Resource data processing method and device

Abstract

The embodiment of the invention provides a resource data processing method and device.The resource data processing method comprises the steps that after resource data of a user in a resource application is obtained, at least one risk preference value is calculated according to the resource data, and the risk preference value is calculated according to the user category, the risk preference level and the resource environment label of the user; the method comprises the steps of calculating configuration parameters for resource configuration, performing parameter write-in processing of the configuration parameters on resource configuration conditions to obtain target resource configuration conditions, generating a resource configuration strategy under the condition that any risk preference value triggers the target resource configuration conditions, and pushing the resource configuration strategy when a user performs resource application access.

Description

Technical Field

[0001] This document relates to the field of data processing technology, and in particular to a resource data processing method and device. Background Art

[0002] With the continuous development of Internet technology and the continuous advancement of social information, in order to realize resource appreciation and management, more and more users have begun to use online methods to allocate resources, thereby realizing reasonable planning of resources. In the process of resource allocation, different users may have different degrees of risk preference, resulting in different resource allocation methods for different users. In this process, higher requirements are put forward to the resource allocator, which makes the resource allocator face greater challenges. Summary of the invention

[0003] One or more embodiments of this specification provide a resource data processing method, including: obtaining resource data of a user in a resource application, and calculating at least one risk preference value based on the resource data. Based on the user category, risk preference level and resource environment label of the user, calculate the configuration parameters for resource configuration. Perform parameter write processing of the configuration parameters on the resource configuration conditions to obtain the target resource configuration conditions. If any risk preference value triggers the target resource configuration condition, generate a resource configuration policy and push the resource configuration policy when the user accesses the resource application.

[0004] One or more embodiments of the present specification provide a resource data processing device, including: a resource data acquisition module, configured to acquire resource data of a user in a resource application, and calculate at least one risk preference value based on the resource data. A configuration parameter calculation module, configured to calculate configuration parameters for resource configuration based on the user category, risk preference level and resource environment label of the user. A parameter writing module, configured to perform parameter writing processing of the configuration parameters on the resource configuration conditions to obtain the target resource configuration conditions. A policy generation module, configured to generate a resource configuration policy and push the resource configuration policy when the user accesses the resource application if any risk preference value triggers the target resource configuration condition.

[0005] One or more embodiments of the present specification provide a resource data processing device, including: a processor; and a memory configured to store computer executable instructions, wherein when the computer executable instructions are executed, the processor: obtains resource data of a user in a resource application, and calculates at least one risk preference value based on the resource data. Based on the user category, risk preference level, and resource environment label of the user, calculates configuration parameters for resource configuration. Performs parameter write processing of the configuration parameters on the resource configuration condition to obtain the target resource configuration condition. If any risk preference value triggers the target resource configuration condition, generates a resource configuration policy and pushes the resource configuration policy when the user accesses the resource application.

[0006] One or more embodiments of this specification provide a computer-readable storage medium for storing computer-executable instructions, which implement the following steps when executed: obtain resource data of a user in a resource application, and calculate at least one risk preference value based on the resource data. Calculate configuration parameters for resource configuration based on the user category, risk preference level, and resource environment label of the user. Perform parameter write processing of the configuration parameters on the resource configuration condition to obtain the target resource configuration condition. If any risk preference value triggers the target resource configuration condition, generate a resource configuration policy and push the resource configuration policy when the user accesses the resource application. BRIEF DESCRIPTION OF THE DRAWINGS

[0007] In order to more clearly illustrate one or more embodiments of the present specification or the technical solutions in the prior art, the drawings required for use in the embodiments or the prior art descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in the present specification. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative labor. Figure 1 A schematic diagram of an implementation environment of a resource data processing method provided for one or more embodiments of this specification; Figure 2 A processing flow chart of a resource data processing method provided for one or more embodiments of this specification; Figure 3 A processing flow chart of a resource data processing method applied to a resource configuration push scenario provided by one or more embodiments of this specification; Figure 4 A schematic diagram of an embodiment of a resource data processing device provided for one or more embodiments of this specification; Figure 5 A schematic diagram of the structure of a resource data processing device provided in one or more embodiments of this specification. DETAILED DESCRIPTION

[0008] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of them. Based on one or more embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this document.

[0009] The resource data processing method provided in one or more embodiments of this specification can be applied to the implementation environment of resource data processing. Figure 1 , the implementation environment at least includes: The resource application corresponds to a resource processing system 101 . In addition, the implementation environment may also include a user terminal 102 .

[0010] The resource processing system 101 may be run on a server, which may be one or more servers, a server cluster consisting of several servers, or a cloud server of a cloud computing platform.

[0011] The user terminal 102 may be a mobile phone, a personal computer, a tablet computer, an e-book reader, a wearable device, a device for information interaction based on AR (Augmented Reality) / VR (Virtual Reality), a laptop computer, etc., and may also be installed with an application program, and subprograms may run within the application program, and resource data processing may be performed through the application program or the subprogram.

[0012] In this implementation environment, after the resource processing system 101 obtains the resource data of the user in the resource application, it calculates at least one risk preference value based on the resource data, calculates the configuration parameters for resource configuration based on the user's user category, risk preference level and resource environment label, writes the parameters of the configuration parameters to the resource configuration conditions, obtains the target resource configuration conditions, and generates a resource configuration policy when any risk preference value triggers the target resource configuration condition and pushes the resource configuration policy to the user terminal 102 when the user accesses the resource application.

[0013] One or more embodiments of a resource data processing method provided in this specification are as follows: Reference Figure 2 The resource data processing method provided in this embodiment specifically includes steps S202 to S208.

[0014] Step S202: obtaining resource data of the user in resource application, and calculating at least one risk preference value according to the resource data.

[0015] The resource application in this embodiment may be a resource subprogram (such as a resource applet) in an application, or a resource page in an application, and the application may be a payment application. The resource data includes relevant resource data of the user in the resource application; optionally, the resource data includes resource flow data of multiple resource types of the user in the resource application, and the multiple resource types may include a first resource type and / or a second resource type, the first resource type may be an advanced resource type, and the second resource type may be a robust resource type.

[0016] The at least one risk preference value refers to one or more risk preference values; the risk preference value is used to characterize the user's preference degree for resource risk; the at least one risk preference value includes at least one of the following: the resource proportion of the first resource type, the resource inflow proportion of the first resource type, the proportion of inflow resources of the first resource type, the resource yield of outflow resources, and the resource yield of inflow resources; the resource inflow proportion of the first resource type and the proportion of inflow resources of the first resource type may also belong to the same risk preference value, such as the risk preference value of the inflow proportion of the first resource type.

[0017] In specific implementation, the resource data of the user in the resource application can be obtained in real time, or the resource data of the user in the resource application can be obtained at a scheduled time, that is, the resource data of the user in the resource application can be obtained according to a scheduled period, so as to improve the flexibility of obtaining resource data; optionally, the resource data is obtained after detecting the user's access instruction to the resource page or resource subroutine within the application.

[0018] In actual applications, users may obtain risk preference levels through risk assessment in resource applications. However, the risk preference levels obtained by users through self-assessment may not be consistent with the risk preferences of users in the actual resource allocation process. In view of this, in order to improve the accuracy and effectiveness of subsequent resource allocation strategy push, so that the pushed resource allocation strategy better matches the user's actual risk preference, at least one risk preference value can be calculated based on the user's resource data in resource applications, so as to generate a resource allocation strategy with higher accuracy in the future. In order to improve the comprehensiveness of the risk preference value, the risk preference value can be calculated from multiple dimensions. In the first optional implementation manner provided in this embodiment, in the process of calculating at least one risk preference value based on the resource data, the following operations are performed: The resource proportion of the first resource type is calculated according to the initial resource amount of the first resource type and the initial resource amount of the second resource type in the resource application of the user.

[0019] Among them, the first resource type includes advanced resource types, that is, resource types with higher resource risks, such as stocks and other resources, which are the first resource type; the second resource type includes stable resource types, such as currencies, bonds and other resources, which are the second resource type. The initial resource amount of the first resource type includes the initial resource amount of the first resource type, such as the resource principal of the first resource type, and the initial resource amount of the second resource type includes the initial resource amount of the second resource type. The resource data here can be the initial resource amount of the first resource type and / or the initial resource amount of the second resource type in the resource application of the user.

[0020] Specifically, in the process of calculating the resource proportion of the first resource type according to the initial resource amount of the first resource type and the initial resource amount of the second resource type in the resource application of the user, the average resource proportion of the first resource type may be calculated according to the initial resource amount of the first resource type and the initial resource amount of the second resource type in the preset time interval of the resource application of the user; the current resource proportion of the first resource type may also be calculated according to the initial resource amount of the first resource type and the initial resource amount of the second resource type at the current time point of the resource application of the user; Optionally, the preset time interval is determined according to the user category of the user; in the process of calculating the average resource ratio of the first resource type according to the initial resource amount of the first resource type and the initial resource amount of the second resource type of the user within the preset time interval of resource application, the sub-resource ratio of the first resource type can be calculated according to the initial resource amount of the first resource type and the initial resource amount of the second resource type in the sub-time interval of the preset time interval, and the average resource ratio of the first resource type is calculated according to the sub-resource ratio and the number of intervals in the sub-time interval; for example, if the preset time interval is nearly n1 months and the sub-time interval is n2 days, the sub-resource ratio of the first resource type is calculated according to the resource principal of the first resource type and the resource principal of the second resource type of the user every n2 days, and the average resource ratio of the first resource type is calculated according to the sub-resource ratio and the number of intervals in the sub-time interval.

[0021] In the process of calculating the current resource ratio of the first resource type based on the initial resource amount of the first resource type and the initial resource amount of the second resource type at the current time point of resource application by the user, the initial total resource amount can be calculated based on the initial resource amount of the first resource type and the initial resource amount of the second resource type, and the current resource ratio of the first resource type can be calculated based on the initial resource amount and the initial total resource amount of the first resource type in resource application by the user; the above-mentioned process of calculating the sub-resource ratio of the first resource type based on the initial resource amount of the first resource type and the initial resource amount of the second resource type in a sub-time interval of a preset time interval is similar to this, and this embodiment will not be repeated here.

[0022] In specific implementation, the risk preference value may also be calculated based on the resource inflow of the first resource type; in the second optional implementation provided by this embodiment, in the process of calculating at least one risk preference value based on the resource data, the following operations are performed: The resource inflow ratio of the first resource type is calculated according to the starting resource amount and the ending resource amount of the first resource type of the user within the preset time interval.

[0023] Among them, the starting resource amount of the first resource type includes the initial resource amount of the first resource type corresponding to the starting time of the preset time interval of the user, for example, if the preset time interval is nearly n1 months, then the starting resource amount of the first resource type is the resource principal of the first resource type corresponding to the starting time of the user in the past n1 months; the ending resource amount includes the initial resource amount of the first resource type corresponding to the ending time of the preset time interval of the user, for example, if the preset time interval is nearly n1 months, then the ending resource amount of the first resource type is the resource principal of the first resource type corresponding to the ending time of the user in the past n1 months. The resource inflow ratio of the first resource type can specifically be the resource increase ratio.

[0024] Specifically, the difference can be calculated based on the ending resource amount and the starting resource amount of the first resource type of the user within a preset time interval, and the ratio of the calculated difference to the starting resource amount of the first resource type can be used as the resource inflow ratio of the first resource type; the starting resource amount and the ending resource amount of the first resource type of the user within the preset time interval can also be input into the inflow ratio calculation algorithm to calculate the inflow ratio, so as to obtain the resource inflow ratio of the first resource type.

[0025] For example, the inflow ratio calculation algorithm includes: The resource inflow ratio of the first resource type = (ending resource amount - starting resource amount) / starting resource amount.

[0026] On this basis, in order to improve the comprehensiveness of the risk preference value, in an optional implementation manner provided by this embodiment, in the process of calculating at least one risk preference value according to the resource data, the following operations are further performed: Determine the inflow resource based on the user's start and end resources within a preset time interval; The proportion of the inflow resources of the first resource type is calculated based on the initial resource amount of the inflow resources of the first resource type and the initial resource amount of the inflow resources of the second resource type in the inflow resources.

[0027] The start and end resources may include the start resource corresponding to the start time and the end resource corresponding to the end time within the preset time interval; the start and end resources in this embodiment may be the position resource corresponding to the start time and the position resource corresponding to the end time. The inflow resources include the increase of the end resource relative to the start resource, that is, the increase of the end resource relative to the start resource, such as the increase of the end resource relative to the start resource.

[0028] Specifically, in the process of calculating the proportion of inflow resources of the first resource type based on the initial resource amount of the inflow resources of the first resource type and the initial resource amount of the inflow resources of the second resource type, the sum of the resource amounts can be calculated based on the initial resource amount of the inflow resources of the first resource type and the initial resource amount of the inflow resources of the second resource type, and the ratio of the initial resource amount of the inflow resources of the first resource type to the sum of the resource amounts is calculated as the proportion of inflow resources of the first resource type.

[0029] In actual applications, the user may perform resource operations on the first resource type within a preset time interval, such as adding positions and reducing positions. Therefore, in order to improve the comprehensiveness of the risk preference value and more completely characterize the user's risk preference level, the resource yield rate of the outflow resources and / or inflow resources can be calculated based on the number of outflow resources and / or inflow resources of the first resource type of the user within the preset time interval, the specific initial resource amount and the income amount; in the third optional implementation manner provided by this embodiment, in the process of calculating at least one risk preference value based on the resource data, the following operations are performed: Determine the outflow resource or inflow resource of the first resource type according to the start and end resources of the first resource type within a preset time interval of the user; The resource yield rate of the outflowing resources or inflowing resources is calculated based on the number of resources flowing out or flowing in, the specific initial resource amount and the income amount.

[0030] Among them, the starting and ending resources include the starting resources of the first resource type corresponding to the starting time of the user within the preset time interval and the ending resources of the first resource type corresponding to the ending time. The outflow resources may include the reduced resources of the ending resources relative to the starting resources, and the inflow resources may include the increased resources of the ending resources relative to the starting resources. The specific initial resource amount includes the initial resource amount of the outflow resources or the inflow resources whose ranking in the preset time interval is before the preset ranking. The specific initial resource amount can be obtained after sorting the initial resource amounts of the outflow resources or the inflow resources within the preset time interval and screening the initial resource amounts whose ranking is before the preset ranking in the sorting results. The income amount includes the income amount of the outflow resources or the inflow resources. The resource yield rate can be the average resource yield rate.

[0031] In addition, the number of outflow resources or inflow resources of the first resource type of the user within a preset time interval, the specific initial resource amount and the income amount can be input into the yield calculation algorithm to obtain the resource yield of the outflow resources or inflow resources.

[0032] For example, the rate of return calculation algorithm includes: Outflow resources or resource yield of outflow resources

[0033] Where N represents the number of outflow resources or inflow resources; i represents the i-th outflow resource or inflow resource; Represents the amount of income from outflow or inflow of resources; Represents a specific initial resource amount for outflow or inflow of resources.

[0034] It should be noted that, in the process of calculating at least one risk preference value based on resource data, this embodiment can calculate any one or more of the four risk preference values ​​of the resource proportion of the first resource type, the resource inflow ratio of the first resource type, the resource yield of the outflow resources and the resource yield of the inflow resources. In the process of calculating the resource inflow ratio of the first resource type, the inflow resource proportion of the first resource type can also be further calculated, and the calculation of the resource inflow ratio of the first resource type can also be replaced by calculating the inflow resource proportion of the first resource type.

[0035] Step S204, calculating configuration parameters for resource configuration based on the user category, risk preference level and resource environment tag of the user.

[0036] The user category of the user described in this embodiment may include a first user category and a second user category; the user category may be determined based on the amount of resources applied by the user and / or the user's credit score; for example, if the amount of resources applied by the user exceeds a resource amount threshold and / or the credit score exceeds a score threshold, the user category is determined to be the first user category; otherwise, the user category is determined to be the second user category.

[0037] The risk preference level includes a level that characterizes the user's risk preference. The risk preference level can be obtained after a risk preference assessment is performed on the user. The risk preference assessment can be performed in the form of a questionnaire. For example, the risk preference levels include c1, c2, c3, c4, and c5. The resource environment label includes a label of the resource environment of the first resource type, which can be a resource market label. For example, the resource environment label can be 0, 1, or 2. 0 represents an overheating label, which can represent an overheating resource market; 1 represents an overcooling label, which can represent an overcooling resource market; 2 represents an intermediate label, which can represent an intermediate state of the resource market, such as an oscillating state; another example is that the resource environment label can be -2, -1, 0, 1, or 2. The resource environment from -2 to 2 can be from hot to cold, such as an overcooling label -2, a cold label -1, an intermediate label 0, a hot label 1, and an overheating label 2. This is only an illustrative example, and the number of specific resource environment labels is not specifically limited; optionally, the resource environment label can be determined based on historical resource trend data, and the resource environment label can obtain historical resource trend data according to a time period and be determined based on the historical resource trend data; the time period can be half a day, a day, etc. Optionally, the resource environment label is obtained after the resource environment of a specified resource type among multiple resource types is identified; the specified resource type can be the first resource type. There can be respective configuration parameters for each risk preference value in at least one risk preference value.

[0038] In specific implementation, in order to improve the effectiveness of the subsequently generated resource allocation strategy and improve the flexibility of generating the resource allocation strategy, the configuration parameters can be flexibly determined; in an optional implementation provided by this embodiment, in the process of calculating the configuration parameters for resource configuration based on the user category, risk preference level and resource environment label of the user, the target risk preference threshold can be screened out from the risk preference threshold sequence of the corresponding user group according to the user category and risk preference level as the configuration parameter. Specifically, the following operations can be performed: According to the user category and risk preference level, query the risk preference threshold sequence of the corresponding user group; Resource configuration conditions are constructed based on resource environment tags, and the target risk preference threshold is filtered out in the risk preference threshold sequence according to the filtering parameters included in the resource configuration conditions.

[0039] Among them, the risk preference threshold sequence includes a sequence composed of the risk preference values ​​of each user in the user group. For example, the user category of the user is the first user category, and the risk preference level is c3. The first user category and c3 correspond to a user group, and the risk preference value of each user in the user group can constitute a risk preference threshold sequence; the risk preference value here can be the resource proportion of the first resource type, the resource inflow ratio of the first resource type, the resource yield of the outflow resources and / or the resource yield of the inflow resources.

[0040] Specifically, according to the user category and risk preference level, the risk preference threshold sequence corresponding to each risk preference value in at least one risk preference value can be queried, the resource configuration conditions corresponding to each risk preference value can be constructed based on the resource environment label, and the target risk preference threshold can be filtered out from the risk preference threshold sequence corresponding to each risk preference value according to the filtering parameters contained in the resource configuration conditions as the configuration parameters corresponding to each risk preference value.

[0041] On this basis, in order to enhance the completeness of the configuration parameters, in an optional implementation manner provided in this embodiment, the following operations are further performed: Obtaining the baseline risk preference threshold pre-set by the user, or determining the baseline risk preference threshold based on the user's risk preference level; The benchmark risk preference threshold and target risk preference threshold are used as configuration parameters.

[0042] Among them, the benchmark risk preference threshold includes the benchmark resource ratio, the benchmark resource inflow ratio and / or the benchmark inflow resource ratio.

[0043] Specifically, the benchmark risk preference threshold corresponding to each risk preference value of at least one risk preference value pre-set by the user can be obtained, or the benchmark risk preference threshold corresponding to each risk preference value can be determined based on the user's risk preference level, and the benchmark risk preference threshold and the target risk preference threshold corresponding to each risk preference value can be used as configuration parameters corresponding to each risk preference value.

[0044] In order to select the target risk preference threshold that meets the requirements from the risk preference threshold sequence, the resource allocation strategy can be generated more accurately; in an optional implementation provided by this embodiment, in the process of selecting the target risk preference threshold from the risk preference threshold sequence according to the screening parameters included in the resource configuration conditions, the target risk preference threshold can be selected from the risk preference threshold sequence according to the screening parameters included in the resource configuration conditions and the number of risk preference thresholds included in the risk preference threshold sequence. Specifically, the following operations can be performed: Calculate the screening ranking based on the screening parameters and the number of risk preference thresholds contained in the risk preference threshold sequence; The risk preference threshold corresponding to the screening position is screened out in the risk preference threshold sequence, and the risk preference threshold is converted, and the conversion result is used as the target risk preference threshold.

[0045] Specifically, in the process of calculating the screening rank based on the screening parameters and the number of risk preference thresholds contained in the risk preference threshold sequence, the product of the screening parameters and the number of risk preference thresholds can be calculated as the screening rank; in the process of converting the risk preference thresholds, the risk preference thresholds can be rounded, or the risk preference threshold corresponding to the screening rank and the adjacent risk preference thresholds can be averaged to obtain the calculation result as the conversion result.

[0046] For example, if the screening parameter is 10%, and the number of risk preference thresholds contained in the risk preference threshold sequence is 100, then the screening position is 10. The risk preference threshold corresponding to the screening position 10 is screened out in the risk preference threshold sequence, and the risk preference threshold is rounded, and the rounded result is used as the target risk preference threshold.

[0047] In the process of constructing the resource configuration condition based on the resource environment tag, in order to achieve flexibility and convenience in constructing the resource configuration condition, in an optional implementation manner provided in this embodiment, the following operations are performed: Determine the tag type of the resource environment tag; The initial resource configuration condition is updated according to the parameter update method corresponding to the tag type to obtain the resource configuration condition.

[0048] Among them, the label type of the resource environment label can represent the resource environment state, and the label type of the resource environment label can include a first label type, a second label type and / or a third label type. For example, the resource environment label can be 0, 1, 2, 0 is the first label type, representing an overheated label, which can represent that the resource market is overheated, 1 is the second label type, representing an overcooled label, which can represent that the resource market is overcooled, and 2 is the third label type, representing an intermediate label, which can represent that the resource market is in an intermediate state, such as an oscillating state. The parameter update method refers to an update method for updating the parameters of the initial resource configuration conditions.

[0049] Furthermore, in an optional implementation manner provided by this embodiment, in the process of performing parameter update processing on the initial resource configuration condition according to the parameter update mode corresponding to the tag type to obtain the resource configuration condition, the following operations are performed: The resource configuration condition is obtained by updating the first preset parameter included in the first initial configuration condition in the initial resource configuration condition to the first screening parameter; optionally, the first preset parameter is greater than the first screening parameter; Alternatively, the resource configuration condition is obtained by updating the second preset parameter included in the second initial configuration condition in the initial resource configuration condition to the second screening parameter; optionally, the second preset parameter is less than the second screening parameter; Alternatively, the initial resource configuration condition is used as the resource configuration condition.

[0050] The first resource configuration condition includes an initial increase condition for increasing the resource proportion for a specified resource type and an initial decrease condition for decreasing the resource proportion in the initial resource configuration condition.

[0051] Specifically, if the tag type is the first tag type, the first preset parameter included in the initial increase condition in the initial resource configuration condition can be updated to the first screening parameter to obtain the resource configuration condition; if the tag type is the second tag type, the second preset parameter included in the initial reduction condition in the initial resource configuration condition can be updated to the second screening condition to obtain the resource configuration condition; if the tag type is the third tag type, the initial resource configuration condition can be used as the resource configuration condition; in this way, the resource configuration condition can be constructed in combination with the current resource environment tag to reflect different resource configuration methods under different resource environments, thereby improving the comprehensiveness of the resource configuration conditions and making them more in line with the current resource market environment.

[0052] For example, when the risk preference value is the resource proportion of the first resource type, the first initial configuration condition in the initial resource configuration condition corresponding to the risk preference value is that the resource proportion of the first resource type is ≤ the 10% percentile of the user group, and the first preset parameter is 10%. The second initial configuration condition is that the resource proportion of the first resource type is > the 90% percentile of the user group, and the second preset parameter is 90%. If the label type of the resource environment label is the first label type, the first preset parameter 10% in the first initial configuration condition can be updated to the first screening parameter 20% to obtain the resource configuration condition. If the label type of the resource environment label is the second label type, the second preset parameter 90% in the second initial configuration condition can be updated to the second screening parameter 80%. If the label type of the resource environment label is the third label type, the initial resource configuration condition can be used as the resource configuration condition. When the risk preference value is the resource inflow ratio of the first resource type, the inflow resource proportion of the first resource type, and the resource yield of the outflow resource or the inflow resource, the parameter update method is similar to the parameter update method of the resource proportion of the first resource type, and will not be repeated here. The first initial configuration condition here can be an initial increase condition, and the second initial configuration condition can be an initial decrease condition.

[0053] It should be noted that for each risk preference value in at least one risk preference value, there may be a respective initial resource configuration condition. The above-mentioned parameter update process may be performed on the initial resource configuration condition corresponding to each risk preference value to obtain the respective resource configuration condition for each risk preference value; the resource configuration condition may also include an intermediate increase condition for increasing the resource proportion for a specified resource type and an intermediate decrease condition for decreasing the resource proportion.

[0054] It should be added that the above step S204 can be replaced by calculating the configuration parameters for resource configuration based on the user category, risk preference level and / or resource environment tag of the user, and forming a new implementation method with other processing steps provided in this embodiment; Alternatively, it can be replaced by calculating the configuration parameters for resource configuration corresponding to each risk preference value based on the user category, risk preference level and / or resource environment label of the user, and forming a new implementation method with other processing steps provided in this embodiment.

[0055] Step S206, performing parameter writing processing of the configuration parameters on the resource configuration conditions to obtain the target resource configuration conditions.

[0056] The above-mentioned configuration parameters for resource configuration are calculated based on the user category, risk preference level and resource environment tag of the user. In this step, the parameter writing process of the configuration parameters is performed on the resource configuration conditions to obtain the target resource configuration conditions; the target resource configuration conditions of this embodiment refer to the resource configuration conditions after the parameter writing process. Optionally, the target resource configuration conditions include an increase condition for increasing the resource proportion for a specified resource type and a decrease condition for decreasing the resource proportion.

[0057] For example, Table 1 below provides detailed information on resource allocation conditions corresponding to each risk preference value:

[0058] Among them, the risk preference value can be divided into four parts, each part is equivalent to a risk preference value, the first part may include the average resource proportion m1 of the first resource type and the current resource proportion m2 of the first resource type, the resource configuration conditions of the first part include reduction conditions and increase conditions, the reduction conditions may include m1≤10% percentile of the user group, m1<benchmark average resource proportion-10%, m1<50% and m2<benchmark current resource proportion-10%, the 10% percentile of the user group here refers to the 10% percentile of the average resource proportion threshold sequence of the user group, the benchmark average resource proportion includes the benchmark average resource proportion preset by the user or the benchmark average resource proportion determined according to the user category, the benchmark current resource proportion includes the benchmark current resource proportion preset by the user or the benchmark current resource proportion determined according to the user category, the increase conditions of the first part and the resource configuration conditions of other parts are similar to the first part, which can be read for reference, and will not be repeated in this embodiment.

[0059] In the specific implementation, it is mentioned above that there is a corresponding configuration parameter for each risk preference value. In the process of performing parameter writing processing on the resource configuration conditions to obtain the target resource configuration conditions, the parameter writing processing of the configuration parameter corresponding to each risk preference value can be performed on the resource configuration conditions corresponding to each risk preference value to obtain the target resource configuration conditions corresponding to each risk preference value.

[0060] Continuing with the above example, the resource allocation conditions of the first part of the risk preference value include reduction conditions and increase conditions. The configuration parameters of the first part include the 10% percentile of the average resource proportion sequence of the user group, the benchmark average resource proportion, and the benchmark current resource proportion. These configuration parameters are written into the corresponding positions of the reduction conditions and increase conditions to obtain the target resource allocation conditions. Assume that the target reduction conditions in the target resource allocation conditions of the first part of the risk preference value are: m1≤40%, m1<52%, m1<50%, m2<54%.

[0061] It should be added that the above step S206 can be replaced by performing parameter writing processing on the corresponding configuration parameters of the resource configuration conditions corresponding to each risk preference value, obtaining the target resource configuration conditions corresponding to each risk preference value, and forming a new implementation method with other processing steps provided in this embodiment.

[0062] Step S208: If any risk preference value triggers the target resource configuration condition, a resource configuration policy is generated and pushed when the user accesses a resource application.

[0063] The above-mentioned parameter writing processing of the configuration parameters of the resource configuration conditions is performed to obtain the target resource configuration conditions. In this step, when any risk preference value triggers the target resource configuration condition, a resource configuration policy is generated and the resource configuration policy is pushed when the user accesses the resource application; specifically, when at least one risk preference value triggers the target resource configuration condition, a resource configuration policy is generated and the resource configuration policy is pushed when the user accesses the resource application.

[0064] The resource allocation strategy described in this embodiment includes a strategy for performing resource allocation, such as a resource allocation strategy that recommends reducing the resource ratio of the first resource type or recommends increasing the resource ratio of the first resource type, or recommends reducing or increasing the resource ratio of the first resource type to x%. The resource allocation strategy can be generated based on the condition type of the target resource allocation condition triggered by any risk preference value, such as if any risk preference value triggers a reduction condition in the target resource allocation condition, a resource allocation reduction strategy is generated, and if any risk preference value triggers an increase condition in the target resource allocation condition, a resource allocation increase strategy is generated.

[0065] During specific implementation, if any risk preference value triggers an increase condition or a decrease condition in the target resource configuration condition, a resource configuration increase strategy or a resource configuration decrease strategy is generated and the resource configuration increase strategy or the resource configuration decrease strategy is pushed when the user accesses the resource application; optionally, any risk preference value triggers the target resource configuration condition, including: detecting whether any risk preference value meets the risk preference threshold in the corresponding target resource configuration condition, if so, determining that any risk preference value triggers the target resource configuration condition, if not, determining that any risk preference value does not trigger the target resource configuration condition or does not process it; the resource configuration increase strategy here includes a strategy for increasing the resource proportion for a specified resource type, and the resource configuration decrease strategy includes a strategy for reducing the resource proportion for a specified resource type.

[0066] During the specific execution process, each risk preference value has its own target resource configuration condition. If any risk preference value triggers the increase condition in the corresponding target resource configuration condition, a resource configuration increase strategy can be generated and the resource configuration increase strategy can be pushed when the user accesses the resource application. If any risk preference value triggers the reduction condition in the corresponding target resource configuration condition, a resource configuration reduction strategy can be generated and the resource configuration reduction strategy can be pushed when the user accesses the resource application.

[0067] Continuing with the above example, if the first risk preference values ​​m1 and m2 among the four risk preference values ​​trigger the corresponding reduction conditions, a resource configuration reduction strategy is generated and the resource configuration reduction strategy is pushed when the user accesses the resource application. The second risk preference values ​​m3 and m4, the third risk preference value m5, and the fourth risk preference value m6 are similar to the first risk preference values ​​m1 and m2. At least one of the four risk preference values ​​triggers the corresponding reduction conditions or increase conditions. A resource configuration reduction strategy or a resource configuration increase strategy can be generated and the resource configuration reduction strategy or the resource configuration increase strategy can be pushed when the user accesses the resource application.

[0068] In actual applications, more than one risk preference value in each risk preference value of at least one risk preference value may trigger the target resource configuration condition. In view of this, in order to improve the comprehensiveness of the generated resource configuration strategy, the target resource ratio can be calculated according to the number and preference value type of the risk preference values ​​that trigger the target resource configuration condition in at least one risk preference value, and the preset resource configuration strategy is updated based on the target resource ratio to obtain the resource configuration strategy. Specifically, in an optional implementation manner provided in this embodiment, the resource configuration strategy is generated in the following manner: Determine, according to the number and preference value types of the risk preference values ​​that trigger the target resource allocation condition in at least one risk preference value, an influence coefficient on the resource proportion of the specified resource type in the preset resource allocation strategy; The target resource proportion is calculated based on the impact coefficient and the resource proportion, and the preset resource allocation strategy is updated based on the target resource proportion to obtain the resource allocation strategy.

[0069] The specified resource type may be a first resource type.

[0070] Specifically, in the process of updating the preset resource configuration policy based on the target resource proportion to obtain the resource configuration policy, the resource proportion of the specified resource type in the preset resource configuration policy may be updated based on the target resource proportion to obtain the resource configuration policy.

[0071] In order to further improve the effectiveness of the resource allocation strategy pushed to users and make the resource allocation strategy more in line with the actual risk preference of users, the risk preference values ​​of multiple users under the first resource environment tag and the risk preference values ​​of multiple users under the second resource environment tag can be obtained, and the change mean of each risk preference type is calculated according to the risk preference values ​​under the first resource environment tag and the risk preference values ​​under the second resource environment tag, and the parameter update processing of the preset resource allocation conditions is performed according to the change mean; Among them, the first resource environment label and the second resource environment label can be resource environment labels of continuous time intervals. For example, the resource environment labels from xx3rd day of xx2 in xx1 to xx6th day of xx5 in xx4 are all of the third label type, and the resource environment labels from xx6th day of xx5 in xx4 to xx9th day of xx8 in xx7 are all of the second label type. Then, the risk preference values ​​of multiple users on xx6th day of xx5 in xx4 are obtained, that is, the risk preference values ​​under the third label type, and the risk preference values ​​of multiple users on xx9th day of xx8 in xx7 are obtained, that is, the risk preference values ​​under the second label type. According to the risk preference values ​​of multiple users under the third label type and the risk preference values ​​under the second label type, the change mean of each risk preference type is calculated, so as to perform parameter update processing on the preset resource configuration conditions.

[0072] For example, the following Table 2 is detailed information about the mean change of the resource inflow ratio (denoted by p1) of the first resource type, and the user category of the user in the table may be the first user category:

[0073] It can be seen that after the resource inflow ratio of the first resource type under the third label type triggers the reduction condition, the resource inflow ratio of the first resource type under the resource environment label of the second label type decreases by an average of 16%, and the resource inflow ratio of the first resource type under the second label type that is not triggered remains basically unchanged. After the increase condition is triggered, the resource inflow ratio of the first resource type under the resource environment label of the second label type increases by an average of 1.4%, which is in line with expectations.

[0074] For example, Table 3 below shows the details of the mean change of outflow resources (denoted by p2):

[0075] It can be seen that after the resource yield rate of the outflow resources under the third label type triggers the reduction condition, the resource yield rate of the outflow resources under the resource environment label of the second label type decreases by an average of 15.2%, and the resource yield rate of the outflow resources under the second label type that is not triggered increases by an average of 1.8%. After the increase condition is triggered, the resource yield rate of the outflow resources under the resource environment label of the second label type increases by an average of 4.5%, which is in line with expectations.

[0076] It should be supplemented that the above step S208 can be replaced by generating a resource configuration policy based on at least one risk preference value and pushing the resource configuration policy when the user accesses the resource application; Alternatively, it may be replaced by: if any risk preference value triggers the corresponding target resource configuration condition, a resource configuration policy is generated and pushed when the user accesses the resource application; Alternatively, it can be replaced by, if any risk preference value triggers the corresponding target resource allocation condition, generating a resource allocation strategy and pushing the resource allocation strategy, and forming a new implementation method with other processing steps provided in this embodiment.

[0077] Considering that in this embodiment, in the process of obtaining user data such as resource data of users in resource applications and user categories of users, these data involve user privacy. In order to protect the security of user data, before obtaining these user data, the user's authorization can be obtained. After obtaining the user's authorization, the user data can be obtained or collected.

[0078] It should be supplemented that, each optional implementation method and each feasible execution method in steps S202 to S208 provided in this embodiment can be executed independently as needed, or can be combined and referenced to each other. At the same time, each specific execution step in each optional implementation method or each feasible execution method can also be executed independently or combined as needed. This embodiment does not make specific limitations on this.

[0079] To summarize, the one or more resource data processing methods provided in this embodiment, first, after obtaining the resource data of the user in the resource application, at least one risk preference value is calculated according to the resource data; secondly, according to the user category and risk preference level of the user, the risk preference threshold sequence of the corresponding user group is queried, and resource configuration conditions are constructed based on the resource environment tags, and the target risk preference threshold is screened out in the risk preference sequence according to the screening parameters included in the resource configuration conditions, and the benchmark risk preference threshold set by the user in advance is obtained or the benchmark risk preference threshold is determined based on the user's risk preference level, and the target risk preference threshold and the benchmark risk preference threshold are written into the resource configuration conditions as configuration parameters to obtain the target resource configuration conditions. Finally, if any risk preference value triggers the target resource configuration condition, a resource configuration strategy is generated and pushed when the user accesses the resource application. In this way, the configuration parameters are determined from three aspects: user category, risk preference level and resource environment label. At the same time, other configuration parameters pre-set by the user can also be obtained or other configuration parameters can be determined based on the risk preference level, thereby improving the comprehensiveness and completeness of the configuration parameters. The resource configuration strategy generated subsequently not only considers the relevant information of the user himself, but also the resource environment situation, thereby further enhancing the comprehensiveness of the resource configuration strategy, improving the resource configuration interaction with the user through the push of the resource configuration strategy, and improving the user retention rate.

[0080] The following uses the application of a resource data processing method provided by this embodiment in a resource configuration push scenario as an example to further illustrate the resource data processing method provided by this embodiment. Figure 3 , a resource data processing method applied to a resource configuration push scenario specifically includes the following steps.

[0081] Step S302: Obtain resource data of the user in the resource application, and calculate at least one risk preference value based on the resource data.

[0082] Step S304: query the risk preference threshold sequence of the corresponding user group for each risk preference value according to the user category and risk preference level of the user.

[0083] Step S306, constructing resource configuration conditions corresponding to each risk preference value based on the resource environment tag, and calculating the screening rank according to the screening parameters included in the resource configuration conditions and the number of risk preference thresholds included in the risk preference threshold sequence.

[0084] Step S308, screening out the risk preference threshold corresponding to the screening position in the risk preference threshold sequence, and converting the risk preference threshold, using the conversion result as the target risk preference threshold corresponding to each risk preference value.

[0085] Step S310, write processing of the corresponding target risk preference threshold is performed on the resource configuration condition corresponding to each risk preference value to obtain the target resource configuration condition.

[0086] Step S312: If any risk preference value triggers the corresponding target resource configuration condition, a resource configuration policy is generated and pushed when the user accesses the resource application.

[0087] It should be noted that any one of steps S302 to S312 or any combination of multiple steps can be replaced by the corresponding technical means provided by the above steps S202 to S208 according to the needs of implementation and deployment, and any one of steps S302 to S312 or any combination of multiple steps can be combined into a new implementation method according to the needs of implementation and deployment; and any one of steps S302 to S312 or any combination of multiple steps can also form a new implementation method with one or more steps provided by the above steps S202 to S208 according to the actual deployment needs, or form a new implementation method with one or more optional implementation methods provided by steps S202 to S208, which will not be repeated here.

[0088] An embodiment of a resource data processing device provided in this specification is as follows: In the above-mentioned embodiment, a resource data processing method is provided, and correspondingly, a resource data processing device is also provided, which will be described below with reference to the accompanying drawings.

[0089] Reference Figure 4 , which shows a schematic diagram of an embodiment of a resource data processing device provided in this embodiment.

[0090] Since the device embodiment corresponds to the method embodiment, the description is relatively simple, and the relevant parts can refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0091] This embodiment provides a resource data processing device, including: The resource data acquisition module 402 is configured to acquire resource data of a user in a resource application and calculate at least one risk preference value according to the resource data; The configuration parameter calculation module 404 is configured to calculate the configuration parameters for resource configuration based on the user category, risk preference level and resource environment tag of the user; The parameter writing module 406 is configured to perform parameter writing processing of the configuration parameters on the resource configuration conditions to obtain the target resource configuration conditions; The policy generation module 408 is configured to generate a resource configuration policy if any risk preference value triggers the target resource configuration condition and push the resource configuration policy when the user accesses the resource application.

[0092] An embodiment of a resource data processing device provided in this specification is as follows: Corresponding to the resource data processing method described above, based on the same technical concept, one or more embodiments of this specification further provide a resource data processing device, the resource data processing device is used to execute the resource data processing method provided above, Figure 5 A schematic diagram of the structure of a resource data processing device provided in one or more embodiments of this specification.

[0093] This embodiment provides a resource data processing device, including: like Figure 5 As shown, the resource data processing device may have relatively large differences due to different configurations or performances, and may include one or more processors 501 and a memory 502, and the memory 502 may store one or more storage applications or data. Among them, the memory 502 may be a short-term storage or a persistent storage. The application stored in the memory 502 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the resource data processing device. Furthermore, the processor 501 may be configured to communicate with the memory 502, and execute a series of computer executable instructions in the memory 502 on the resource data processing device. The resource data processing device may also include one or more power supplies 503, one or more wired or wireless network interfaces 504, one or more input / output interfaces 505, one or more keyboards 506, etc.

[0094] In a specific embodiment, the resource data processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions in the resource data processing device, and the one or more programs are configured to be executed by one or more processors, including computer executable instructions for performing the following: Obtain resource data of the user in the resource application, and calculate at least one risk preference value based on the resource data; Calculate configuration parameters for resource allocation based on the user category, risk preference level and resource environment tag of the user; Perform parameter writing processing of the configuration parameters on the resource configuration condition to obtain the target resource configuration condition; If any risk preference value triggers the target resource configuration condition, a resource configuration policy is generated and pushed when the user accesses a resource application.

[0095] An embodiment of a computer-readable storage medium provided in this specification is as follows: Corresponding to the resource data processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a computer-readable storage medium.

[0096] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions, and the computer-executable instructions implement the following steps when executed: Obtain resource data of the user in the resource application, and calculate at least one risk preference value based on the resource data; Calculate configuration parameters for resource allocation based on the user category, risk preference level and resource environment tag of the user; Perform parameter writing processing of the configuration parameters on the resource configuration condition to obtain the target resource configuration condition; If any risk preference value triggers the target resource configuration condition, a resource configuration policy is generated and pushed when the user accesses a resource application.

[0097] It should be noted that the embodiment of a computer-readable storage medium in this specification and the embodiment of a resource data processing method in this specification are based on the same inventive concept, so the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0098] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referenced to each other. Each embodiment focuses on the differences from other embodiments. For example, the device embodiment, equipment embodiment and computer-readable storage medium embodiment are similar to the method embodiment, so the description is relatively simple. To read the relevant contents in the device embodiment, equipment embodiment and computer-readable storage medium embodiment, please refer to the partial description of the method embodiment.

[0099] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0100] In the 1930s, improvements to a technology could be clearly distinguished as hardware improvements (for example, improvements to circuit structures such as diodes, transistors, switches, etc.) or software improvements (improvements to method flows). However, with the development of technology, many of today's method flow improvements can be regarded as direct improvements to hardware circuit structures. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement in a method flow cannot be implemented using hardware entity modules. For example, a programmable logic device (PLD) (such as a field programmable gate array (FPGA)) is such an integrated circuit whose logical function is determined by the user's programming of the device. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to ask chip manufacturers to design and produce dedicated integrated circuit chips. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly implemented by "logic compiler" software, which is similar to the software compiler used when developing and writing programs, and the original code before compilation must also be written in a specific programming language, which is called hardware description language (HDL). There is not only one kind of HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also know that it is only necessary to program the method flow slightly in the above-mentioned hardware description languages ​​and program it into the integrated circuit, and then it is easy to obtain the hardware circuit that implements the logic method flow.

[0101] The controller may be implemented in any suitable manner, for example, the controller may take the form of a microprocessor or processor and a computer-readable medium storing a computer-readable program code (e.g., software or firmware) executable by the (micro)processor, a logic gate, a switch, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, and the memory controller may also be implemented as part of the control logic of the memory. It is also known to those skilled in the art that, in addition to implementing the controller in a purely computer-readable program code manner, the controller may be implemented in the form of a logic gate, a switch, an application-specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, such a controller may be considered as a hardware component, and the devices for implementing various functions included therein may also be considered as structures within the hardware component. Or even, the devices for implementing various functions may be considered as both software modules for implementing the method and structures within the hardware component.

[0102] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0103] For the convenience of description, the above devices are described in terms of functions and are divided into various units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0104] It should be understood by those skilled in the art that one or more embodiments of the present specification may be provided as a method, system or computer program product. Therefore, one or more embodiments of the present specification may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present specification may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0105] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks 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 test processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable test processing device generate instructions for implementing the process in the flowchart. 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.

[0106] These computer program instructions may also be stored in a computer readable memory capable of directing a computer or other programmable test processing device to operate in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture including 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.

[0107] These computer program instructions may also be loaded onto a computer or other programmable test processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, whereby the instructions executed on the computer or other programmable device provide for implementing the process described in the flow. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0108] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0109] Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0110] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined in this article, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0111] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of features includes not only those features, but also other features not explicitly listed, or also includes features inherent to such process, method, commodity or device. In the absence of further restrictions, features defined by the phrase "including a ..." do not exclude the existence of other identical features in the process, method, commodity or device including the features.

[0112] One or more embodiments of the present specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. One or more embodiments of the present specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0113] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0114] The above description is only an embodiment of this document and is not intended to limit this document. For those skilled in the art, this document may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this document should be included in the scope of the claims of this document.

Claims

1. A resource data processing method, comprising: Obtain resource data of the user in the resource application, and calculate at least one risk preference value based on the resource data; Calculate configuration parameters for resource allocation based on the user category, risk preference level and resource environment tag of the user; Perform parameter writing processing of the configuration parameters on the resource configuration condition to obtain the target resource configuration condition; If any risk preference value triggers the target resource configuration condition, a resource configuration policy is generated and pushed when the user accesses a resource application.

2. The resource data processing method according to claim 1, wherein calculating at least one risk preference value according to the resource data comprises: The resource proportion of the first resource type is calculated according to the initial resource amount of the first resource type and the initial resource amount of the second resource type in the resource application by the user.

3. The resource data processing method according to claim 1, wherein the calculating at least one risk preference value according to the resource data comprises: The resource inflow ratio of the first resource type is calculated according to the starting resource amount and the ending resource amount of the first resource type of the user within a preset time interval.

4. The resource data processing method according to claim 3, wherein the step of calculating at least one risk preference value based on the resource data further comprises: Determining the inflow resource based on the start and end resources of the user within the preset time interval; The proportion of the inflow resources of the first resource type is calculated according to the initial resource amount of the inflow resources of the first resource type and the initial resource amount of the inflow resources of the second resource type in the inflow resources.

5. The resource data processing method according to claim 1, wherein calculating at least one risk preference value according to the resource data comprises: Determine the outflow resource or the inflow resource of the first resource type according to the start and end resources of the first resource type of the user within a preset time interval; The resource yield rate of the outflowing resources or the inflowing resources is calculated based on the resource quantity, the specific initial resource amount and the revenue amount of the outflowing resources or the inflowing resources.

6. The resource data processing method according to claim 1, wherein the configuration parameters for resource configuration are calculated based on the user category, risk preference level and resource environment label of the user, including: According to the user category and the risk preference level, query the risk preference threshold sequence of the corresponding user group; The resource configuration condition is constructed based on the resource environment tag, and the target risk preference threshold is screened out in the risk preference threshold sequence according to the screening parameters included in the resource configuration condition.

7. The resource data processing method according to claim 6, wherein the calculation of the configuration parameters for resource configuration based on the user category, risk preference level and resource environment label of the user further comprises: Obtaining a baseline risk preference threshold preset by the user, or determining a baseline risk preference threshold based on the risk preference level of the user; The benchmark risk preference threshold and the target risk preference threshold are used as the configuration parameters.

8. The resource data processing method according to claim 6, wherein the step of selecting a target risk preference threshold from the risk preference threshold sequence according to the selection parameters included in the resource configuration condition comprises: Calculate the screening ranking according to the screening parameters and the number of risk preference thresholds included in the risk preference threshold sequence; The risk preference threshold corresponding to the screening position is screened out in the risk preference threshold sequence, and the risk preference threshold is converted, and the conversion result is used as the target risk preference threshold.

9. The resource data processing method according to claim 6, wherein the step of constructing the resource configuration condition based on the resource environment tag comprises: Determine the tag type of the resource environment tag; The initial resource configuration condition is subjected to parameter update processing according to the parameter update method corresponding to the tag type to obtain the resource configuration condition.

10. The resource data processing method according to claim 9, wherein the step of performing parameter update processing on the initial resource configuration condition according to the parameter update mode corresponding to the tag type to obtain the resource configuration condition comprises: The resource configuration condition is obtained by updating a first preset parameter included in a first initial configuration condition in the initial resource configuration condition to a first screening parameter; The first preset parameter is greater than the first screening parameter; Alternatively, the resource configuration condition is obtained by updating the second preset parameter included in the second initial configuration condition in the initial resource configuration condition to a second screening parameter; The second preset parameter is less than the second screening parameter; Alternatively, the initial resource configuration condition is used as the resource configuration condition.

11. The resource data processing method according to claim 1, wherein the target resource configuration condition comprises an increase condition for increasing the resource proportion and a decrease condition for decreasing the resource proportion for a specified resource type; Any of the risk preference values ​​triggers the target resource allocation condition, including: Detect whether any of the risk preference values ​​meets the risk preference threshold in the corresponding target resource configuration condition, and if so, determine whether any of the risk preference values ​​triggers the target resource configuration condition.

12. The resource data processing method according to claim 1, wherein the resource data comprises resource flow data of multiple resource types of the user in the resource application; The resource environment tag is obtained after performing resource environment identification on a designated resource type among the multiple resource types.

13. The resource data processing method according to claim 1, wherein the resource data is obtained after detecting an access instruction from the user to a resource page or a resource subroutine within an application.

14. The resource data processing method according to claim 1, wherein the resource allocation strategy is generated by: Determine, according to the number and preference value type of the risk preference values ​​that trigger the target resource allocation condition in the at least one risk preference value, an influence coefficient on the resource proportion of the specified resource type in the preset resource allocation strategy; The target resource proportion is calculated based on the impact coefficient and the resource proportion, and the preset resource allocation strategy is updated based on the target resource proportion to obtain the resource allocation strategy.

15. A resource data processing device, comprising: A resource data acquisition module is configured to acquire resource data of a user in a resource application and calculate at least one risk preference value based on the resource data; A configuration parameter calculation module is configured to calculate configuration parameters for resource configuration based on the user category, risk preference level and resource environment tag of the user; A parameter writing module is configured to perform parameter writing processing of the configuration parameters on the resource configuration conditions to obtain the target resource configuration conditions; The policy generation module is configured to generate a resource configuration policy if any risk preference value triggers the target resource configuration condition and push the resource configuration policy when the user accesses the resource application.

16. A resource data processing device, comprising: processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: Obtain resource data of the user in the resource application, and calculate at least one risk preference value based on the resource data; Calculate configuration parameters for resource allocation based on the user category, risk preference level and resource environment tag of the user; Perform parameter writing processing of the configuration parameters on the resource configuration condition to obtain the target resource configuration condition; If any risk preference value triggers the target resource configuration condition, a resource configuration policy is generated and pushed when the user accesses a resource application.

17. A computer-readable storage medium for storing computer-executable instructions, wherein the computer-executable instructions implement the steps of the method of claim 1 when executed.

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