Information pushing method and device, equipment, medium and program product

Abstract

The invention relates to the technical field of financial science and technology, and discloses an information pushing method, device and equipment, a medium and a program product. The method comprises the following steps: acquiring stock materials and financial flow information of each period; according to the stock materials and the financial flow information, if it is determined that surplus exists in the previous period, the surplus amount is obtained, and according to the surplus amount, the speculative return rate is obtained through calculation; and if the speculated return rate is lower than the bank financing return rate, financing information is pushed to the customer. According to the scheme of the embodiment, the financial management suggestions are intelligently generated according to the material information and the financial information recorded in the material management software, a financial management information pushing function can be newly added in the material management software, small and micro enterprises can be enabled, and financial requirements of the enterprises are met.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to an information push method, device, equipment, medium and program product. Background Art

[0002] Material management software is a tool that can help companies achieve comprehensive material management, including procurement, inventory, production and other links. Through this software, companies can grasp the inventory status of materials in real time, achieve accurate procurement and reasonable allocation of materials, thereby improving production efficiency and reducing costs.

[0003] At present, the existing material management software usually only provides material management functions, and does not have information recommendation functions such as related financial management plans. It cannot empower small and micro enterprises and cannot meet the financial needs of enterprises. Summary of the invention

[0004] The present invention provides an information push method, device, equipment, medium and program product, which can add a financial information push function in material management software, empower small and micro enterprises and meet the financial needs of enterprises.

[0005] According to one aspect of the present invention, there is provided an information push method, comprising:

[0006] Obtain inventory material and financial flow information for each period;

[0007] According to the inventory materials and the financial flow information, if it is determined that there is a surplus in the previous period, the surplus amount is obtained, and the estimated rate of return is calculated according to the surplus amount;

[0008] If the estimated rate of return is lower than the bank's financial management rate of return, financial management information is pushed to the customer.

[0009] Optionally, determining whether there is a surplus in the previous period according to the inventory material and the financial flow information includes:

[0010] Obtain the estimated amount corresponding to the inventory material, and obtain the total expenditure amount and total income amount of the previous period based on the financial flow information;

[0011] Calculate the difference between the total income amount and the total expenditure amount, and calculate the sum of the difference and the valuation amount;

[0012] If it is detected that the sum is greater than zero, it is determined that there is a surplus in the previous period.

[0013] Optionally, obtain the estimated amount corresponding to the inventory material, including:

[0014] Determine the bank branch closest to the customer, and obtain the valuation amount corresponding to the inventory material given by the bank branch;

[0015] The payment amount when the inventory material is recorded is obtained, and the valuation amount corresponding to the inventory material is obtained according to the evaluation amount and / or the payment amount.

[0016] Optionally, the estimated rate of return is calculated based on the surplus amount, including:

[0017] Obtain the number of shipments and payments in the previous cycle, and obtain the production cycle length based on the preset cycle length and the number of shipments and payments;

[0018] The estimated rate of return is calculated based on the surplus amount, the total expenditure amount, the preset cycle length and the production cycle length.

[0019] Optionally, after obtaining the inventory material and financial flow information of each period, it also includes:

[0020] According to the inventory materials and the financial flow information, if it is determined that there is a deficit in the previous period, the deficit amount is obtained;

[0021] Obtain the current available cash amount and the expected amount of receivables, and calculate the available valuation amount based on the valuation amount corresponding to the inventory material, the current available cash amount and the expected amount of receivables;

[0022] Based on the deficit amount and the available assessment amount, if it is detected that the preset loan standard conditions are met, inclusive loan information is pushed to the customer.

[0023] Optionally, based on the deficit amount and the available assessment amount, it is detected that a preset loan standard condition is met, including:

[0024] calculating the quotient of the deficit amount divided by the disposable assessment amount;

[0025] If the quotient value is greater than or equal to a preset quotient threshold, and there is a surplus in multiple past cycles, it is determined that the preset loan standard conditions are met.

[0026] According to another aspect of the present invention, there is provided an information push device, comprising:

[0027] Inventory material acquisition module, used to obtain inventory materials and financial flow information of each period;

[0028] An estimated rate of return calculation module, for obtaining a surplus amount if it is determined that there is a surplus in the previous period based on the inventory materials and the financial flow information, and calculating an estimated rate of return based on the surplus amount;

[0029] The financial information push module is used to push financial information to the customer if the estimated rate of return is lower than the bank's financial management rate of return.

[0030] According to another aspect of the present invention, an electronic device is provided, the electronic device comprising:

[0031] at least one processor; and

[0032] a memory communicatively connected to the at least one processor; wherein,

[0033] The memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the information pushing method described in any embodiment of the present invention.

[0034] According to another aspect of the present invention, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores a computer program, and the computer program is used to enable a processor to implement the information push method described in any embodiment of the present invention when executed.

[0035] According to another aspect of the present invention, a computer program product is provided, including a computer program, wherein when the computer program is executed by a processor, the information pushing method according to any embodiment of the present invention is implemented.

[0036] The technical solution of the embodiment of the present invention is to obtain the inventory material and financial flow information of each period; based on the inventory material and financial flow information, if it is determined that there is a surplus in the previous period, the surplus amount is obtained, and the estimated rate of return is calculated based on the surplus amount; if the estimated rate of return is lower than the bank wealth management rate of return, the wealth management information is pushed to the customer; by intelligently generating financial management suggestions based on the material information and financial information recorded in the material management software, a new function of pushing wealth management information can be added to the material management software, which can empower small and micro enterprises and meet the financial needs of enterprises.

[0037] It should be understood that the contents described in this section are not intended to identify the key or important features of the embodiments of the present invention, nor are they intended to limit the scope of the present invention. Other features of the present invention will become easily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0039] Figure 1 is a flow chart of an information push method provided according to Embodiment 1 of the present invention;

[0040] Figure 2 is a structural diagram of an information push device provided according to Embodiment 2 of the present invention;

[0041] Figure 3 It is a structural schematic diagram of an electronic device for implementing the information push method according to an embodiment of the present invention. DETAILED DESCRIPTION

[0042] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0043] It should be noted that the terms "first", "second", "target", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0044] Embodiment 1

[0045] Figure 1 A flowchart of an information push method is provided for the first embodiment of the present invention. This embodiment is applicable to the case of pushing financial management suggestions to customers in material management software. The method can be executed by an information push device, which can be implemented in the form of hardware and / or software. Typically, the information push device can be configured in an electronic device, such as a computer device or a server. Figure 1 As shown, the method includes:

[0046] S110, obtaining inventory material and financial flow information of each period.

[0047] In this embodiment, the original material management function and financial management function of the material management software can be used to obtain statistical information on inventory materials and financial flow of each period (e.g., year, month, etc.) after obtaining customer authorization. Among them, inventory materials can include unprocessed raw materials, unsold products, etc.; financial flow information can include each expenditure and income, etc.

[0048] It should be noted that the information collected in this embodiment is information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with the relevant laws, regulations and standards of the relevant countries and regions, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0049] S120. Based on the inventory materials and the financial flow information, if it is determined that there is a surplus in the previous period, the surplus amount is obtained, and the estimated rate of return is calculated based on the surplus amount.

[0050] In this embodiment, the inventory materials can be converted into an amount, and the amount can be used in combination with the financial flow for calculation, and whether there is a surplus in each period can be determined based on the calculation result. When it is determined that there is a surplus, the surplus amount can be calculated based on the converted amount of the inventory materials and the total expenditure amount and total income amount in the financial flow information. Further, the surplus amount can be divided by the total expenditure amount, and the quotient obtained can be used as the estimated rate of return for the previous period.

[0051] Optionally, determining whether there is a surplus in the previous period according to the inventory material and the financial flow information may include:

[0052] Obtain the estimated amount corresponding to the inventory material, and obtain the total expenditure amount and total income amount of the previous period based on the financial flow information;

[0053] Calculate the difference between the total income amount and the total expenditure amount, and calculate the sum of the difference and the valuation amount;

[0054] If it is detected that the sum is greater than zero, it is determined that there is a surplus in the previous period.

[0055] In this embodiment, the inventory materials can be evaluated based on the bank's pledge loan business to obtain the corresponding valuation amount of the inventory materials; or the amount paid when purchasing the inventory materials can be used as the corresponding valuation amount. Then, the expenditure amount and income amount of each transaction can be statistically obtained based on the financial flow information, and the expenditure amount of each transaction can be added to obtain the total expenditure amount, and the income amount of each transaction can be added to obtain the total income amount.

[0056] It is understandable that after the end of the cycle, the valuation amount corresponding to the remaining inventory materials can be regarded as part of the held funds. Therefore, when judging whether there is a surplus in the previous cycle, first, the total income amount can be subtracted from the total expenditure amount to calculate the difference, which may be negative or positive; then, the difference can be added to the valuation amount to calculate the sum. Finally, if the sum is greater than 0, it can be determined that there is a surplus; if the sum is less than 0, it can be determined that there is a deficit; and if the sum is equal to 0, it can be determined that the income and expenditure are balanced.

[0057] The advantage of the above setting is that it can accurately determine whether the customer is in surplus and improve the accuracy of financial information push.

[0058] Optionally, obtaining the estimated value of the inventory material may include:

[0059] Determine the bank branch closest to the customer, and obtain the valuation amount corresponding to the inventory material given by the bank branch;

[0060] The payment amount when the inventory material is recorded is obtained, and the valuation amount corresponding to the inventory material is obtained according to the evaluation amount and / or the payment amount.

[0061] In a specific example, when converting inventory materials into amounts, first, based on the customer's location and the preset location of each bank branch, the bank branch closest to the customer can be determined, and the distance can be a straight-line distance. Then, it can be queried whether the bank branch has a valid price evaluation for the inventory material recently. If so, the evaluation amount corresponding to the inventory material given by the bank branch can be obtained. It should be noted that for pledge loan business, banks will have dedicated personnel to conduct regular price evaluations on collateral. At the same time, based on the financial management function of the material management software, the payment amount when the inventory material is recorded can be found. Finally, the average of the evaluation amount and the payment amount can be calculated as the valuation amount corresponding to the inventory material.

[0062] In another case, if the valuation information of the same collateral as the inventory material is not found at the bank branch, the payment amount when the inventory material is recorded can be directly used as the valuation amount corresponding to the inventory material.

[0063] The advantage of the above settings is that it can improve the accuracy of material price evaluation and the accuracy of financial situation judgment.

[0064] Optionally, calculating the estimated rate of return based on the surplus amount may include:

[0065] Obtain the number of shipments and payments in the previous cycle, and obtain the production cycle length based on the preset cycle length and the number of shipments and payments;

[0066] The estimated rate of return is calculated based on the surplus amount, the total expenditure amount, the preset cycle length and the production cycle length.

[0067] In a specific example, when calculating the estimated rate of return, first, the number of shipments and collections in the previous cycle can be counted, and the preset cycle duration can be divided by the number of shipments and collections to obtain the quotient as the shipment and collection frequency, and then the production cycle duration can be calculated based on the shipment and collection frequency; then, the surplus amount can be divided by the total expenditure amount to calculate the first quotient, and the preset cycle duration can be divided by the production cycle duration to calculate the second quotient; finally, the first quotient can be multiplied by the second quotient to calculate the product as the estimated rate of return.

[0068] The advantage of the above settings is that it can improve the calculation accuracy of the estimated rate of return and further improve the accuracy of financial information push.

[0069] S130. If the estimated rate of return is lower than the bank's financial management rate of return, financial management information is pushed to the customer.

[0070] In this embodiment, the highest financial yield rate that the bank can give for a preset period can be queried as the bank's financial yield rate; then, the estimated yield rate can be numerically compared with the bank's financial yield rate. If it is detected that the estimated yield rate is less than the bank's financial yield rate, financial information can be pushed to the customer in the material management software. Among them, the financial information can be a preset financial advertisement, and the customer can click on the financial advertisement to jump to a link to view a specific financial product introduction. This embodiment does not specifically limit the information push method.

[0071] The technical solution of the embodiment of the present invention is to obtain the inventory material and financial flow information of each period; based on the inventory material and financial flow information, if it is determined that there is a surplus in the previous period, the surplus amount is obtained, and the estimated rate of return is calculated based on the surplus amount; if the estimated rate of return is lower than the bank wealth management rate of return, the wealth management information is pushed to the customer; by intelligently generating financial management suggestions based on the material information and financial information recorded in the material management software, a new function of pushing wealth management information can be added to the material management software, which can empower small and micro enterprises and meet the financial needs of enterprises.

[0072] In an optional implementation of this embodiment, after obtaining the inventory material and financial flow information of each period, the following may also be included:

[0073] According to the inventory materials and the financial flow information, if it is determined that there is a deficit in the previous period, the deficit amount is obtained;

[0074] Obtain the current available cash amount and the expected amount of receivables, and calculate the available valuation amount based on the valuation amount corresponding to the inventory material, the current available cash amount and the expected amount of receivables;

[0075] Based on the deficit amount and the available assessment amount, if it is detected that the preset loan standard conditions are met, inclusive loan information is pushed to the customer.

[0076] Among them, the preset loan standard conditions may be the preset conditions that need to be met for loan issuance, for example, the deficit amount may be less than the disposable assessment amount, the customer may have a surplus for multiple consecutive periods, etc.

[0077] In this embodiment, first, the difference between the total income amount and the total expenditure amount can be calculated, and the sum of the difference plus the valuation amount corresponding to the inventory materials can be calculated; if it is detected that the sum is less than zero, it can be determined that there is a deficit in the previous cycle, and the absolute value of the current sum can be used as the deficit amount. Then, based on the financial management function of the material management software, the current disposable cash amount and the expected amount of receivables (the money owed by others to the current customer) can be statistically obtained, and the valuation amount corresponding to the inventory materials, the current disposable cash amount and the sum of the expected amount of receivables can be calculated as the disposable assessment amount. Finally, it can be determined whether the deficit amount is less than or equal to the disposable assessment amount. If so, it can be determined that the preset loan standard conditions are met, and the inclusive loan information is pushed to the customer; if not, the detection of the next cycle will continue.

[0078] Among them, inclusive loan information can be inclusive loan advertisements. It should be noted that in the corresponding loan interface, the customer is requested to obtain the ledger information in the material management software, and the customer is prompted that if the information is provided, the loan can be approved faster and with a higher amount. If the customer agrees, the ledger information will be provided to the loan evaluation platform, otherwise the ledger information will not be provided.

[0079] The advantage of the above settings is that it can achieve efficient and accurate push of inclusive loan information, better empower enterprises and enhance customer stickiness.

[0080] Optionally, based on the deficit amount and the available assessment amount, detecting that a preset loan standard condition is met may include:

[0081] calculating the quotient of the deficit amount divided by the disposable assessment amount;

[0082] If the quotient value is greater than or equal to a preset quotient threshold, and there is a surplus in multiple past cycles, it is determined that the preset loan standard conditions are met.

[0083] In a specific example, the preset loan standard condition may be that the deficit amount is higher than the disposable assessment amount, and there is a surplus in multiple past cycles. Specifically, the quotient of the deficit amount divided by the disposable assessment amount may be calculated, and the surplus judgment results of the past cycles may be read from the database; if it is detected that the quotient is greater than or equal to the preset quotient threshold, and there is a surplus in multiple past cycles, it may be determined that the preset loan standard condition is met.

[0084] The advantage of the above settings is that it can further improve the accuracy of loan information push and achieve precision marketing.

[0085] Embodiment 2

[0086] Figure 2 This is a schematic diagram of the structure of an information push device provided in Embodiment 2 of the present invention. Figure 2 As shown, the device includes: an inventory material acquisition module 210, an estimated rate of return calculation module 220 and a financial information push module 230; wherein,

[0087] Inventory material acquisition module 210, used to obtain inventory material and financial flow information of each period;

[0088] The estimated rate of return calculation module 220 is used to obtain the surplus amount if it is determined that there is a surplus in the previous period based on the inventory materials and the financial flow information, and calculate the estimated rate of return based on the surplus amount;

[0089] The financial information push module 230 is used to push financial information to the customer if the estimated rate of return is lower than the bank financial return rate.

[0090] The technical solution of the embodiment of the present invention is to obtain the inventory material and financial flow information of each period; based on the inventory material and financial flow information, if it is determined that there is a surplus in the previous period, the surplus amount is obtained, and the estimated rate of return is calculated based on the surplus amount; if the estimated rate of return is lower than the bank wealth management rate of return, the wealth management information is pushed to the customer; by intelligently generating financial management suggestions based on the material information and financial information recorded in the material management software, a new function of pushing wealth management information can be added to the material management software, which can empower small and micro enterprises and meet the financial needs of enterprises.

[0091] Optionally, the estimated rate of return calculation module 220 is specifically used to obtain the estimated amount corresponding to the inventory material, and obtain the total expenditure amount and total income amount of the previous period according to the financial flow information;

[0092] Calculate the difference between the total income amount and the total expenditure amount, and calculate the sum of the difference and the valuation amount;

[0093] If it is detected that the sum is greater than zero, it is determined that there is a surplus in the previous period.

[0094] Optionally, the estimated rate of return calculation module 220 is specifically used to determine the bank branch closest to the customer and obtain the evaluation amount corresponding to the inventory material given by the bank branch;

[0095] The payment amount when the inventory material is recorded is obtained, and the valuation amount corresponding to the inventory material is obtained according to the evaluation amount and / or the payment amount.

[0096] Optionally, the estimated rate of return calculation module 220 is specifically used to obtain the number of shipments and payments in the previous cycle, and obtain the production cycle length according to the preset cycle length and the number of shipments and payments;

[0097] The estimated rate of return is calculated based on the surplus amount, the total expenditure amount, the preset cycle length and the production cycle length.

[0098] Optionally, the information push device further includes:

[0099] A deficit amount acquisition module is used to acquire the deficit amount if it is determined that there is a deficit in the previous period based on the inventory materials and the financial flow information;

[0100] The disposable assessment amount calculation module is used to obtain the current disposable cash amount and the expected amount of receivables, and calculate the disposable assessment amount according to the valuation amount corresponding to the inventory material, the current disposable cash amount and the expected amount of receivables;

[0101] The inclusive loan information push module is used to push inclusive loan information to the customer if it is detected that the preset loan standard conditions are met based on the deficit amount and the disposable assessment amount.

[0102] Optionally, an inclusive loan information push module is specifically used to calculate the quotient of the deficit amount divided by the disposable assessment amount;

[0103] If the quotient value is greater than or equal to a preset quotient threshold, and there is a surplus in multiple past cycles, it is determined that the preset loan standard conditions are met.

[0104] The information push device provided in the embodiment of the present invention can execute the information push method provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0105] In the technical solution of the present disclosure, the collection, storage, use, processing, transmission, provision and disclosure of user personal information involved are in compliance with the provisions of relevant laws and regulations and do not violate public order and good morals.

[0106] Embodiment 3

[0107] Figure 3 A schematic diagram of the structure of an electronic device 30 that can be used to implement an embodiment of the present invention is shown. The electronic device 30 is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device 30 can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or required herein.

[0108] like Figure 3 As shown, the electronic device 30 includes at least one processor 31, and a memory connected to the at least one processor 31, such as a read-only memory (ROM) 32, a random access memory (RAM) 33, etc., wherein the memory stores a computer program that can be executed by at least one processor, and the processor 31 can perform various appropriate actions and processes according to the computer program stored in the read-only memory 32 or the computer program loaded from the storage unit 38 to the random access memory 33. In the RAM 33, various programs and data required for the operation of the electronic device 30 can also be stored. The processor 31, the ROM 32 and the RAM 33 are connected to each other through a bus 34. The input / output (I / O) interface 35 is also connected to the bus 34.

[0109] A number of components in the electronic device 30 are connected to the I / O interface 35, including: an input unit 36, such as a keyboard, a mouse, etc.; an output unit 37, such as various types of displays, speakers, etc.; a storage unit 38, such as a disk, an optical disk, etc.; and a communication unit 39, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 39 allows the electronic device 30 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0110] The processor 31 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of the processor 31 include, but are not limited to, a central processing unit, a graphics processing unit, various special artificial intelligence computing chips, various processors running machine learning model algorithms, digital signal processors, and any appropriate processors, controllers, microcontrollers, etc. The processor 31 executes the various methods and processes described above, such as the information push method.

[0111] In some embodiments, the information push method may be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as a storage unit 38. In some embodiments, part or all of the computer program may be loaded and / or installed on the electronic device 30 via the ROM 32 and / or the communication unit 39. When the computer program is loaded into the RAM 33 and executed by the processor 31, one or more steps of the information push method described above may be performed. Alternatively, in other embodiments, the processor 31 may be configured to perform the information push method in any other appropriate manner (e.g., by means of firmware).

[0112] Various embodiments of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays, application specific integrated circuits, application specific standard products, systems on a chip, load programmable logic devices, computer hardware, firmware, software, and / or combinations thereof. These various embodiments may include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0113] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that when the computer program is executed by the processor, the functions / operations specified in the flow chart and / or block diagram are implemented. The computer program may be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.

[0114] In the context of the present invention, a computer-readable storage medium may be a tangible medium that may contain or store a computer program for use by or in conjunction with an instruction execution system, device, or equipment. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices, or equipment, or any suitable combination of the foregoing. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory, a read-only memory, an erasable programmable read-only memory, an optical fiber, a portable compact disk read-only memory, an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0115] To provide interaction with a user, the systems and techniques described herein may be implemented on an electronic device 30 having: a display device (e.g., a cathode ray tube or a liquid crystal display) for displaying information to the user; and a keyboard and a pointing device (e.g., a mouse or a trackball) through which the user can provide input to the electronic device 30. Other types of devices may also be used to provide interaction with the user; for example, the feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form (including acoustic input, voice input, or tactile input).

[0116] The systems and techniques described herein may be implemented in a computing system that includes backend components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system may be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: local area networks, wide area networks, blockchain networks, and the Internet.

[0117] A computing system may include clients and servers. Clients and servers are generally remote from each other and typically interact through a communication network. The relationship of client and server is generated by computer programs running on respective computers and having a client-server relationship to each other. The server may be a cloud server.

[0118] This embodiment may also include a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements the information push method provided by any embodiment of the present invention.

[0119] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps described in the present invention can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution of the present invention can be achieved, and this document does not limit this.

[0120] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. An information push method, characterized in that: include: Obtain inventory material and financial flow information for each period; According to the inventory materials and the financial flow information, if it is determined that there is a surplus in the previous period, the surplus amount is obtained, and the estimated rate of return is calculated according to the surplus amount; If the estimated rate of return is lower than the bank's financial management rate of return, financial management information is pushed to the customer.

2. The method according to claim 1, characterized in that Determining whether there is a surplus in the previous period based on the inventory materials and the financial flow information includes: Obtain the estimated amount corresponding to the inventory material, and obtain the total expenditure amount and total income amount of the previous period based on the financial flow information; Calculate the difference between the total income amount and the total expenditure amount, and calculate the sum of the difference and the valuation amount; If it is detected that the sum is greater than zero, it is determined that there is a surplus in the previous period.

3. The method according to claim 2, characterized in that Get the estimated value of the inventory material, including: Determine the bank branch closest to the customer, and obtain the valuation amount corresponding to the inventory material given by the bank branch; The payment amount when the inventory material is recorded is obtained, and the valuation amount corresponding to the inventory material is obtained according to the evaluation amount and / or the payment amount.

4. The method according to claim 1, characterized in that: Based on the surplus amount, the estimated rate of return is calculated, including: Obtain the number of shipments and payments in the previous cycle, and obtain the production cycle length based on the preset cycle length and the number of shipments and payments; The estimated rate of return is calculated based on the surplus amount, the total expenditure amount, the preset cycle length and the production cycle length.

5. The method according to claim 1, characterized in that After obtaining the inventory materials and financial flow information of each period, it also includes: According to the inventory materials and the financial flow information, if it is determined that there is a deficit in the previous period, the deficit amount is obtained; Obtain the current available cash amount and the expected amount of receivables, and calculate the available valuation amount based on the valuation amount corresponding to the inventory material, the current available cash amount and the expected amount of receivables; Based on the deficit amount and the available assessment amount, if it is detected that the preset loan standard conditions are met, inclusive loan information is pushed to the customer.

6. The method according to claim 5, characterized in that Based on the deficit amount and the available assessment amount, it is detected that the preset loan standard conditions are met, including: calculating the quotient of the deficit amount divided by the disposable assessment amount; If the quotient value is greater than or equal to a preset quotient threshold, and there is a surplus in multiple past cycles, it is determined that the preset loan standard conditions are met.

7. An information push device, characterized in that: include: Inventory material acquisition module, used to obtain inventory materials and financial flow information of each period; An estimated rate of return calculation module, for obtaining a surplus amount if it is determined that there is a surplus in the previous period based on the inventory materials and the financial flow information, and calculating an estimated rate of return based on the surplus amount; The financial information push module is used to push financial information to the customer if the estimated rate of return is lower than the bank's financial management rate of return.

8. An electronic device, characterized in that: The electronic device comprises: at least one processor, and a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the information pushing method according to any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and the computer program is used to enable a processor to implement the information push method according to any one of claims 1 to 6 when executed.

10. A computer program product, characterized in that The invention comprises a computer program, which, when executed by a processor, implements the information pushing method according to any one of claims 1 to 6.

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