Resource management method, system, device, medium and product

Abstract

The embodiment of the invention discloses a resource management method, system and device, a medium and a product, and relates to the field of artificial intelligence and financial science and technology, and the method comprises the steps: obtaining resource configuration information, resource market data and user held resource data, and enabling the held resource data and the resource market data to have a positive correlation; determining a first variable quantity of the first type of resource data and a second variable quantity of the second type of resource data, the held resource data including the first type of resource data and the second type of resource data; determining a first change rate of the first type of resource data and a second change rate of the second type of resource data according to the first variable quantity, the second variable quantity and the held resource data; and when the first time period is the preset adjustment time period, the resource configuration information is adjusted according to the first change rate and the second change rate, so that the management efficiency of resource data held by the user, such as financial assets, can be improved.

Description

Technical Field

[0001] This application relates to the fields of artificial intelligence and financial technology, and in particular to a resource management method, system, equipment, medium and product. Background Art

[0002] Resource management encompasses a range of activities related to the effective allocation, utilization, and monitoring of various resources, including human, material, information, and financial assets. With the advancement of technology, resource management faces significant challenges. For example, with the increasing complexity and dynamism of financial markets as technology advances, traditional financial asset management strategies are unable to cope with the challenges posed by changing financial timeframes, resulting in low financial asset management efficiency.

[0003] Application Contents

[0004] In view of this, one of the purposes of this application is to provide a resource management method, system, device, medium and product that can improve the management efficiency of users' held resource data such as financial assets.

[0005] To achieve the above objectives, the technical solution of this application is implemented as follows:

[0006] In a first aspect, an embodiment of the present application provides a resource management method, the resource management method comprising:

[0007] Acquire resource configuration information, resource market data, and user's held resource data, where there is a positive correlation between the held resource data and the resource market data;

[0008] determining a first change amount of first-category resource data and a second change amount of second-category resource data, wherein the held resource data includes the first-category resource data and the second-category resource data, the first-category resource data includes a plurality of first resource data, and the second-category resource data includes combined resource data of at least two of the first resource data;

[0009] determining a first change rate of the first type of resource data and a second change rate of the second type of resource data according to the first change amount, the second change amount, and the held resource data;

[0010] In a case where the first period is a preset adjustment period, the resource configuration information is adjusted according to the first change rate and the second change rate.

[0011] In a possible implementation, when the first period is a preset adjustment period, adjusting the resource configuration information according to the first change rate and the second change rate includes:

[0012] In a case where the first period is a preset adjustment period, if at least one of the first change rate and the second change rate satisfies a first preset condition, adjusting the resource configuration information;

[0013] The first precondition includes:

[0014] A first difference between the first change rate and a first preset change rate is greater than a first threshold;

[0015] A second difference between the second change rate and the second preset change rate is greater than a second threshold;

[0016] The first threshold and the second threshold are different thresholds, and the resource configuration information includes a first preset change rate and a second preset change rate.

[0017] In a possible implementation, if at least one of the first change rate and the second change rate satisfies a first preset condition, adjusting the resource configuration information includes:

[0018] If at least one of the first change rate and the second change rate satisfies a first preset condition, iteratively adjusting the target configuration ratio until both the adjusted first change rate and the second change rate satisfy a second preset condition, and then stopping the iterative adjustment;

[0019] The resource configuration information includes a target configuration ratio, which is the configuration ratio of different types of resource data in the resource data;

[0020] The second precondition includes:

[0021] A first difference between the first change rate and the first preset change rate is less than or equal to a first threshold; and

[0022] A second difference between the second change rate and the second preset change rate is less than or equal to a second threshold.

[0023] In one possible implementation, if at least one of the first change rate and the second change rate satisfies a first preset condition, iteratively adjusting the target configuration ratio until both the adjusted first change rate and the adjusted second change rate satisfy a second preset condition, and then stopping the iterative adjustment, includes:

[0024] If at least one of the first change rate and the second change rate meets the first preset condition, the target configuration ratio is iteratively adjusted according to the first change rate and the second change rate until the adjusted first change rate and the second change rate both meet the second preset condition, and the iterative adjustment is stopped.

[0025] In a possible implementation, the resource configuration information includes a first identifier, where the first identifier is used to indicate fixed resource data in the held resource data;

[0026] When the first period is a preset adjustment period, adjusting the resource configuration information according to the first change rate and the second change rate includes:

[0027] In a case where the first period is a preset adjustment period, determining the fixed resource data according to the first identifier;

[0028] The resource configuration information is adjusted according to the fixed resource data, the first change rate, and the second change rate.

[0029] In one possible implementation, after obtaining resource configuration information, resource market data, and user's resource holding data, the method further includes:

[0030] Pre-process resource configuration information, resource market data and held resource data to unify the data format and data caliber of resource configuration information, resource market data and held resource data;

[0031] Determining a first change amount of first-category resource data and a second change amount of second-category resource data includes:

[0032] A first change amount of the first type of resource data and a second change amount of the second type of resource data are determined, wherein the pre-processed held resource data includes the first type of resource data and the second type of resource data.

[0033] In a second aspect, an embodiment of the present application provides a resource management system, the system comprising:

[0034] The acquisition module is used to obtain resource configuration information, resource market data and user's held resource data. There is a positive correlation between held resource data and resource market data.

[0035] a first determining module, configured to determine a first change amount of first-category resource data and a second change amount of second-category resource data, wherein the resource data held includes first-category resource data and second-category resource data, wherein the first-category resource data includes a plurality of first resource data, and the second-category resource data includes combined resource data of at least two first resource data;

[0036] a second determining module, configured to determine a first change rate of the first type of resource data and a second change rate of the second type of resource data according to the first change amount, the second change amount, and the held resource data;

[0037] The control module is configured to adjust the resource configuration information according to the first change rate and the second change rate when the first time period is a preset adjustment time period.

[0038] In a third aspect, an embodiment of the present application provides an electronic device, which includes a memory and a processor. A computer program is stored in the memory. When the computer program is executed by the processor, it implements the resource management method provided in the first aspect.

[0039] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by one or more processors, it implements the resource management method provided in the first aspect.

[0040] In a fifth aspect, an embodiment of the present application provides a computer program product, which includes a computer program. When the computer program is executed by one or more processors, it implements the resource management method provided in the first aspect.

[0041] An embodiment of the present application provides a resource management method that obtains resource configuration information, resource market data, and a user's held resource data. A positive correlation exists between the held resource data and the resource market data, thereby determining a first change in first-category resource data and a second change in second-category resource data. The held resource data includes first-category resource data and second-category resource data, the first-category resource data includes multiple first resource data, and the second-category resource data includes combined resource data of at least two first resource data. Then, based on the first change, the second change, and the held resource data, a first change rate of the first-category resource data and a second change rate of the second-category resource data are determined. Finally, when the first period is a preset adjustment period, the resource configuration information is adjusted based on the first change rate and the second change rate, thereby improving the efficiency of managing the user's held resource data, such as financial assets. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. It should be understood that the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0043] Figure 1 A flowchart of a resource management method provided in an embodiment of the present application;

[0044] Figure 2 A flowchart of adjusting resource configuration information included in a resource management method provided in an embodiment of the present application;

[0045] Figure 3 A flowchart of another method for adjusting resource configuration information included in a resource management method provided in an embodiment of the present application;

[0046] Figure 4 A flowchart of another method for adjusting resource configuration information included in a resource management method provided in an embodiment of the present application;

[0047] Figure 5 A schematic diagram of the functional modules of a resource management system provided in an embodiment of the present application;

[0048] Figure 6 A hardware structure diagram of an electronic device provided in an embodiment of the present application.

[0049] Description of reference numerals:

[0050] Resource management system 500 , acquisition module 510 , first determination module 520 , second determination module 530 , control module 540 . DETAILED DESCRIPTION

[0051] To make the objectives, technical solutions, and advantages of the embodiments of the present application more clear, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the accompanying drawings of the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Generally, the components of the embodiments of the present application described and shown in the drawings herein can be arranged and designed in various different configurations.

[0052] Therefore, the following detailed description of the embodiments of the present application provided in the accompanying drawings is not intended to limit the scope of the present application for protection, but merely represents selected embodiments of the present application. All other embodiments obtained by persons of ordinary skill in the art based on the embodiments in the present application without creative work are within the scope of protection of the present application.

[0053] It should be noted that similar reference numerals and letters denote similar items in the following drawings, and therefore, once an item is defined in one drawing, it does not need to be further defined or explained in subsequent drawings.

[0054] In various embodiments of the present application, the expression "or" or "at least one of A or / and B" includes any or all combinations of the words listed simultaneously. For example, the expression "A or B" or "at least one of A or / and B" may include A, may include B, or may include both A and B.

[0055] In the description of this application, it should be noted that if the terms "upper", "lower", "inside", "outside", etc. appear, the orientation or position relationship indicated is based on the orientation or position relationship shown in the accompanying drawings, or is the orientation or position relationship in which the invented product is usually placed when in use. It is only for the convenience of describing this application and simplifying the description, and does not indicate or imply that the device or element referred to must have a specific orientation, be constructed and operated in a specific orientation. Therefore, it cannot be understood as a limitation on this application.

[0056] In addition, the terms "first", "second", etc., if used, are merely used to distinguish and describe, and should not be understood as indicating or implying relative importance.

[0057] It should be noted that, in the absence of conflict, the features in the embodiments of this application can be combined with each other.

[0058] Furthermore, in the embodiments of the present application, the term "connection" may refer to "electrical connection" or "direct connection." "Electrical connection" may refer to a direct electrical connection between two components or an electrical connection between two components via one or more normally open tubes or other components.

[0059] To facilitate a better understanding of the solutions of the embodiments of the present application, several terms involved in the present application are first analyzed:

[0060] Artificial intelligence (AI) is a new technical discipline that studies and develops theories, methods, technologies, and application systems for simulating, extending, and expanding human intelligence. A branch of computer science, AI seeks to understand the essence of intelligence and produce new intelligent machines that can respond in a manner similar to human intelligence. Research in this field includes robotics, speech recognition, image recognition, natural language processing, and expert systems. AI can simulate the information processes of human consciousness and thinking. It also encompasses the theories, methods, technologies, and application systems that use digital computers or machines controlled by digital computers to simulate, extend, and expand human intelligence, to perceive the environment, acquire knowledge, and use that knowledge to achieve optimal results.

[0061] Natural language processing (NLP): NLP uses computers to process, understand, and apply human languages (such as Chinese and English). A branch of artificial intelligence, NLP is an interdisciplinary field between computer science and linguistics, often referred to as computational linguistics. Natural language processing encompasses grammatical analysis, semantic analysis, and discourse comprehension. Natural language processing is commonly used in technical fields such as machine translation, handwritten and printed character recognition, speech recognition and text-to-speech conversion, information intent recognition, information extraction and filtering, text classification and clustering, public opinion analysis, and opinion mining. It encompasses data mining, machine learning, knowledge acquisition, knowledge engineering, artificial intelligence research related to language processing, and linguistics research related to language computing.

[0062] Information Extraction: A text processing technology that extracts specified types of entity, relationship, event, and other factual information from natural language text and forms structured data output. Information extraction is a technology that extracts specific information from text data. Text data is composed of some specific units, such as sentences, paragraphs, and chapters. Text information is composed of some small specific units, such as characters, words, phrases, sentences, paragraphs, or a combination of these specific units. Extracting noun phrases, names, place names, etc. from text data is all text information extraction. Of course, the information extracted by text information extraction technology can be of various types.

[0063] Image caption generates a natural language description for an image and uses the generated description to help applications understand the semantics expressed in the image's visual scene. For example, image captioning can convert image retrieval into text retrieval, which can be used to classify images and improve image retrieval results. People can usually describe the details of an image's visual scene with just a quick glance, but automatically adding descriptions to images is a comprehensive and arduous computer vision task that requires converting the complex information contained in the image into a natural language description. Compared to ordinary computer vision tasks, image captioning not only requires identifying objects from images, but also requires associating the identified objects with natural semantics and describing them in natural language. Therefore, image captioning requires people to extract deep features of the image, associate them with semantic features, and convert them to generate descriptions.

[0064] Data normalization is a data preprocessing technique used to convert data feature values to a specific range, typically between [0, 1] or [-1, 1]. Its purpose is to eliminate differences in dimensions and value ranges between data features, ensuring that different features contribute more evenly to subsequent processing, such as model training.

[0065] In order to solve the technical problems in the background technology, the embodiments of the present application provide a resource management method, system, device, medium and product. The resource management method provided by the embodiments of the present application is first introduced below.

[0066] The embodiments of the present application can acquire and process relevant data based on artificial intelligence technology. Artificial Intelligence (AI) is the theory, method, technology, and application system that uses digital computers or machines controlled by digital computers to simulate, extend, and expand human intelligence, perceive the environment, acquire knowledge, and use knowledge to achieve optimal results.

[0067] Fundamental AI technologies generally include sensors, dedicated AI chips, cloud computing, distributed storage, big data processing, operating / interaction systems, and mechatronics. AI software technologies primarily encompass computer vision, robotics, biometrics, speech processing, natural language processing, and machine learning / deep learning.

[0068] The resource management method provided in the embodiment of the present application relates to the field of artificial intelligence technology. The resource management method provided in the embodiment of the present application can be applied to a terminal, can be applied to a server side, or can be software running in a terminal or a server side. In some embodiments, the terminal can be a smart phone, a tablet computer, a laptop computer, a desktop computer, etc.; the server side can be configured as an independent physical server, or as a server cluster or distributed system composed of multiple physical servers, or as a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms; the software can be an application that implements the resource management method, etc., but is not limited to the above forms.

[0069] The present application can be used in many general or special computer system environments or configurations. For example: personal computers, server computers, handheld or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set-top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments including any of the above systems or devices, and the like. The present application can 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, and the like that perform specific tasks or implement specific abstract data types. The present application can also be practiced in distributed computing environments in which tasks are performed by remote processing devices connected via a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media, including storage devices.

[0070] It should be noted that in each specific embodiment of the present application, when it comes to the need to perform relevant processing based on data related to the user's identity or characteristics, such as user information, user behavior data, user historical data, and user location information, the user's permission or consent will be obtained first, and the collection, use, and processing of such data will comply with relevant laws, regulations, and standards. In addition, when the embodiment of the present application needs to obtain the user's sensitive personal information, the user's separate permission or consent will be obtained through a pop-up window or by jumping to a confirmation page. After clearly obtaining the user's separate permission or consent, the necessary user-related data for the normal operation of the embodiment of the present application will be obtained.

[0071] See Figure 1 , Figure 1 This is a flowchart of a resource management method provided in an embodiment of the present application. The resource management method can be applied to the resource management systems or electronic devices in the following embodiments, wherein the electronic devices include personal computers, servers, mobile devices, cloud computing platforms, and supercomputers. The resource management method specifically includes the following steps:

[0072] Step 110 , obtaining resource configuration information, resource market data and user's held resource data, where there is a positive correlation between the held resource data and the resource market data.

[0073] Step 120, determine the first change amount of the first type of resource data and the second change amount of the second type of resource data, the resource data held includes the first type of resource data and the second type of resource data, the first type of resource data includes multiple first resource data, and the second type of resource data includes combined resource data of at least two first resource data.

[0074] Step 130 : Determine a first change rate of the first type of resource data and a second change rate of the second type of resource data according to the first change amount, the second change amount, and the held resource data.

[0075] Step 140 : When the first period is a preset adjustment period, adjust the resource configuration information according to the first change rate and the second change rate.

[0076] An embodiment of the present application provides a resource management method that obtains resource configuration information, resource market data, and a user's held resource data. A positive correlation exists between the held resource data and the resource market data, thereby determining a first change in first-category resource data and a second change in second-category resource data. The held resource data includes first-category resource data and second-category resource data, the first-category resource data includes multiple first resource data, and the second-category resource data includes combined resource data of at least two first resource data. Then, based on the first change, the second change, and the held resource data, a first change rate of the first-category resource data and a second change rate of the second-category resource data are determined. Finally, when the first period is a preset adjustment period, the resource configuration information is adjusted based on the first change rate and the second change rate, thereby improving the efficiency of managing the user's held resource data, such as financial assets.

[0077] The following will be Figure 1 Each step of the resource management method in is explained in detail.

[0078] At step 110, the electronic device may obtain resource configuration information, resource market data, and the user's resource data. In some embodiments, the electronic device may utilize artificial intelligence technology to achieve this acquisition. This automated data collection technology can efficiently acquire large amounts of data from various structured and unstructured data sources.

[0079] In the field of FinTech, user holdings data can be considered as position data, which can include position types, holding costs, and holding periods. Position types can include stocks, funds, futures, options, and foreign exchange; holding costs can include average holding costs, which is the average price at which users purchase assets; and holding periods include average holding periods, which is the average length of time users hold their position data.

[0080] In the field of financial technology, resource market information can refer to a collection of information in various trading markets such as financial markets and commodity markets that can reflect the transaction price, transaction volume, and overall market situation of assets or commodities.

[0081] For example, resource market data may include price information and trading volume information. Price information may include real-time prices and historical price trends, where historical price trends may include opening prices, closing prices, highest prices, and lowest prices. Trading volume information includes trading volume, which refers to the number of transactions of a certain asset or commodity within a certain period of time, such as a trading day. It is an important indicator of market activity. When trading volume is high, it can indicate that there are many buyers and sellers participating in the market, and the market liquidity is good.

[0082] There is a positive correlation between resource holding data and resource market data, which means that the user's resource holding data is affected by resource market data, and the influence is positive. That is, the better the resource market data performs, such as more trading volume and higher real-time price, the higher the value of the corresponding resource holding data. Conversely, the value of the resource holding data is lower.

[0083] In the fintech field, resource allocation information may include pre-set information, such as percentages, which include the proportions of different types of resource data within a user's resource holdings. For example, the resource holdings include stocks, funds, futures, options, and foreign exchange, with each type accounting for 20%.

[0084] In step 120 , after acquiring the user's held resource data, the electronic device may further determine a first change amount of the first type of resource data and a second change amount of the second type of resource data included in the held resource data.

[0085] In the field of FinTech, resource data held includes first-category resource data and second-category resource data. First-category resource data can be considered a major asset class and may include multiple first-category resource data. Second-category resource data can be resource data formed by combining various asset classes within a major asset class.

[0086] For example, the first type of resource data may include multiple first resource data items such as stocks, funds, futures, options, and foreign exchange in the aforementioned embodiments. The second type of resource data may include combined resource data items formed by at least two of the following: stocks, funds, futures, options, and foreign exchange, such as stocks + funds, stocks + funds + futures, funds + futures + foreign exchange, etc.

[0087] In the field of financial technology, the first change quantity may refer to the cash flow of the first type of resource data, and the second change quantity may refer to the cash flow of the second type of resource data.

[0088] In some embodiments, the electronic device may determine a first change in the first type of resource data and a second change in the second type of resource data based on the number of bonds held, the interest payment method and amount of the bonds held included in the resource data.

[0089] In step 130, in the field of financial technology, the first change rate and the second change rate can be regarded as income, that is, the first change rate is the income of the first type of resource data, and the second change rate is the income of the second type of resource data.

[0090] In some embodiments, the income from the first category of resource data and the income from the second category of resource data may both include an end-of-period rate of return.

[0091] An example of calculating the rate of return based on the second type of resource data is as follows:

[0092] End-of-period yield = (beginning-of-period yield * beginning-of-period scale - maturity scale * maturity yield + allocation scale * new yield) / (beginning-of-period scale - maturity scale + allocation scale).

[0093] In step 140 , the electronic device may adjust the resource configuration information when the first period is a preset adjustment period.

[0094] Specifically, the first period may represent the current period, and the first period may refer to a point in time or a time period. If the preset adjustment period is March and the current period is from March 15 to March 16, then the current period is the preset adjustment period, and the electronic device may adjust the resource configuration information based on the first change rate and the second change rate obtained in the aforementioned embodiment.

[0095] The process of adjusting resource allocation information by electronic devices can be seen as a process of rebalancing the user's held resource data, and the adjustment of resource allocation information can be automatically achieved throughout the entire process, which can improve the management efficiency of held resource data such as financial assets.

[0096] See Figure 2 , Figure 2 A flowchart of adjusting resource configuration information included in a resource management method provided in an embodiment of the present application.

[0097] In a possible implementation, step 140 “adjusting the resource configuration information according to the first change rate and the second change rate when the first period is a preset adjustment period” includes but is not limited to step 210 .

[0098] Step 210 : When the first period is a preset adjustment period, if at least one of the first change rate and the second change rate meets a first preset condition, adjust the resource configuration information.

[0099] The first precondition includes:

[0100] A first difference between the first change rate and a first preset change rate is greater than a first threshold;

[0101] A second difference between the second change rate and the second preset change rate is greater than a second threshold.

[0102] The first threshold and the second threshold are different thresholds, and the resource configuration information includes a first preset change rate and a second preset change rate.

[0103] The embodiment of the present application determines whether the first change rate and the second change rate meet the first preset condition through the first preset change rate and the second preset change rate included in the resource configuration information, and adjusts the resource configuration information when it is determined that at least one of the first change rate and the second change rate meets the first preset condition, which can improve the timeliness and reliability of the resource configuration information of the adjustment function.

[0104] The first preset change rate and the second preset change rate can be selected according to actual conditions, and are not specifically limited in the embodiment of the present application.

[0105] The first threshold and the second threshold can also be selected according to actual conditions, and are not specifically limited in the embodiments of the present application.

[0106] See Figure 3 , Figure 3 A flowchart of another method for adjusting resource configuration information included in a resource management method provided in an embodiment of the present application.

[0107] In a possible implementation, step 210 “adjusting resource configuration information if at least one of the first change rate and the second change rate meets a first preset condition” includes but is not limited to step 310 .

[0108] Step 310: If at least one of the first change rate and the second change rate satisfies a first preset condition, iteratively adjusting the target configuration ratio until both the adjusted first change rate and the adjusted second change rate satisfy a second preset condition, then stopping the iterative adjustment.

[0109] The resource configuration information includes a target configuration ratio, which is the configuration ratio of different types of resource data in the resource data;

[0110] The second precondition includes:

[0111] A first difference between the first change rate and the first preset change rate is less than or equal to a first threshold; and

[0112] A second difference between the second change rate and the second preset change rate is less than or equal to a second threshold.

[0113] In the embodiment of the present application, the target configuration ratio in the resource configuration information is iteratively adjusted so that the first change rate and the second change rate obtained after adjustment both meet the second preset condition. Then, the iterative adjustment is stopped to obtain a new target configuration ratio.

[0114] In some embodiments, in the field of financial technology, adjusting the target configuration ratio included in the resource configuration information may include buying and selling the user's held resource data.

[0115] See Figure 4 , Figure 4 A flowchart of another method for adjusting resource configuration information included in a resource management method provided in an embodiment of the present application.

[0116] In one possible embodiment, step 310 "if at least one of the first change rate and the second change rate meets the first preset condition, the target configuration ratio is iteratively adjusted until the first change rate and the second change rate obtained after adjustment both meet the second preset condition, and the iterative adjustment is stopped" includes but is not limited to step 410.

[0117] Step 410: If at least one of the first change rate and the second change rate satisfies the first preset condition, the target configuration ratio is iteratively adjusted according to the first change rate and the second change rate until both the adjusted first change rate and the second change rate satisfy the second preset condition, and the iterative adjustment is stopped.

[0118] The embodiment of the present application can implement iterative adjustment of the target configuration ratio through the first variation and the second variation, thereby improving the accuracy and reliability of the adjustment.

[0119] In a possible implementation, the resource configuration information includes a first identifier, where the first identifier is used to indicate fixed resource data in the held resource data;

[0120] When the first period is a preset adjustment period, adjusting the resource configuration information according to the first change rate and the second change rate includes:

[0121] In a case where the first period is a preset adjustment period, determining the fixed resource data according to the first identifier;

[0122] The resource configuration information is adjusted according to the fixed resource data, the first change rate, and the second change rate.

[0123] The embodiment of the present application adopts a first identifier to indicate fixed resource data in the resource data, and involves the fixed resource data in the process of adjusting the resource configuration information, thereby realizing personalized adjustment of the resource configuration information and meeting the different adjustment needs of different users.

[0124] In the fintech world, fixed resource data can be used to represent non-sellable assets.

[0125] In some embodiments, the resource configuration information may also include a second identifier, which can be used to indicate the buying priority and selling priority of different types of data in the resource data. When adjusting the resource configuration information, the electronic device can adjust the resource configuration information according to the first identifier, the second identifier, the first change rate and the second change rate, which can further improve the user's personalized adjustment needs.

[0126] In some embodiments, the preset adjustment period may include March, June, September and December of each year.

[0127] In one possible implementation, after obtaining resource configuration information, resource market data, and user's resource holding data, the method further includes:

[0128] Pre-process resource configuration information, resource market data and held resource data to unify the data format and data caliber of resource configuration information, resource market data and held resource data;

[0129] Determining a first change amount of first-category resource data and a second change amount of second-category resource data includes:

[0130] A first change amount of the first type of resource data and a second change amount of the second type of resource data are determined, wherein the pre-processed held resource data includes the first type of resource data and the second type of resource data.

[0131] The embodiment of the present application can unify the data format and data caliber by pre-processing resource configuration information, resource market data and held resource data, avoid the occurrence of erroneous data or missing data, and at the same time improve data quality and processing efficiency, thereby improving the accuracy and reliability of adjusting resource configuration information.

[0132] In some embodiments, in the field of financial technology, if resource allocation information, resource market data, and resource holding data are used as data to be processed, considering that the absolute price ranges of different assets are inconsistent, the normalization method of sklearn in the python library can be used to scale the data to be processed to the unit norm.

[0133] In some embodiments, after adjusting the resource configuration information, the electronic device may send the adjusted resource configuration information to the user terminal and display it in the form of images and data, thereby providing the user with intuitive analysis and decision-making basis.

[0134] Corresponding to the above method embodiment, the present application embodiment also provides a resource relationship system, see Figure 5 , Figure 5 This is a functional module diagram of a resource management system provided in an embodiment of the present application, wherein the resource management system 500 includes:

[0135] Acquisition module 510, used to acquire resource configuration information, resource market data and user's held resource data, there is a positive correlation between held resource data and resource market data;

[0136] A first determining module 520 is configured to determine a first change amount of first-category resource data and a second change amount of second-category resource data, wherein the resource data includes first-category resource data and second-category resource data, the first-category resource data includes a plurality of first resource data, and the second-category resource data includes combined resource data of at least two first resource data;

[0137] A second determining module 530 is configured to determine a first change rate of the first type of resource data and a second change rate of the second type of resource data based on the first change amount, the second change amount, and the held resource data;

[0138] The control module 540 is configured to adjust the resource configuration information according to the first change rate and the second change rate when the first period is a preset adjustment period.

[0139] An embodiment of the present application provides a resource management system that obtains resource configuration information, resource market data, and a user's held resource data through an acquisition module. There is a positive correlation between the held resource data and the resource market data. A first determination module is then used to determine a first change in first-category resource data and a second change in second-category resource data, wherein the held resource data includes first-category resource data and second-category resource data, the first-category resource data includes multiple first resource data, and the second-category resource data includes combined resource data of at least two first resource data. A second determination module is then used to determine a first change rate of the first-category resource data and a second change rate of the second-category resource data based on the first change rate, the second change rate, and the held resource data. Finally, a control module adjusts the resource configuration information based on the first change rate and the second change rate when the first period is a preset adjustment period, thereby improving the management efficiency of the user's held resource data, such as financial assets.

[0140] In a possible implementation, the control module 540 is further specifically configured to:

[0141] In a case where the first period is a preset adjustment period, if at least one of the first change rate and the second change rate satisfies a first preset condition, adjusting the resource configuration information;

[0142] The first precondition includes:

[0143] A first difference between the first change rate and a first preset change rate is greater than a first threshold;

[0144] A second difference between the second change rate and the second preset change rate is greater than a second threshold;

[0145] The first threshold and the second threshold are different thresholds, and the resource configuration information includes a first preset change rate and a second preset change rate.

[0146] The embodiment of the present application determines whether the first change rate and the second change rate meet the first preset condition through the first preset change rate and the second preset change rate included in the resource configuration information, and adjusts the resource configuration information when it is determined that at least one of the first change rate and the second change rate meets the first preset condition, which can improve the timeliness and reliability of the resource configuration information of the adjustment function.

[0147] The first preset change rate and the second preset change rate can be selected according to actual conditions, and are not specifically limited in the embodiment of the present application.

[0148] The first threshold and the second threshold can also be selected according to actual conditions, and are not specifically limited in the embodiments of the present application.

[0149] In a possible implementation, the control module 540 further includes a control submodule, which is configured to:

[0150] If at least one of the first change rate and the second change rate satisfies a first preset condition, iteratively adjusting the target configuration ratio until both the adjusted first change rate and the second change rate satisfy a second preset condition, and then stopping the iterative adjustment;

[0151] The resource configuration information includes a target configuration ratio, which is the configuration ratio of different types of resource data in the resource data;

[0152] The second precondition includes:

[0153] A first difference between the first change rate and the first preset change rate is less than or equal to a first threshold; and

[0154] A second difference between the second change rate and the second preset change rate is less than or equal to a second threshold.

[0155] In a possible implementation, the control submodule further includes a control unit, which is configured to:

[0156] If at least one of the first change rate and the second change rate meets the first preset condition, the target configuration ratio is iteratively adjusted according to the first change rate and the second change rate until the adjusted first change rate and the second change rate both meet the second preset condition, and the iterative adjustment is stopped.

[0157] In a possible implementation, the resource configuration information includes a first identifier, where the first identifier is used to indicate fixed resource data in the held resource data;

[0158] The control module 540 is further specifically configured to:

[0159] In a case where the first period is a preset adjustment period, determining the fixed resource data according to the first identifier;

[0160] The resource configuration information is adjusted according to the fixed resource data, the first change rate, and the second change rate.

[0161] In a possible implementation, the resource management system 500 further includes a pre-processing module, which is configured to:

[0162] Pre-process resource configuration information, resource market data and held resource data to unify the data format and data caliber of resource configuration information, resource market data and held resource data;

[0163] The first determining module 520 is further specifically configured to:

[0164] A first change amount of first-category resource data and a second change amount of second-category resource data are determined, wherein the pre-processed held resource data includes the first-category resource data and the second-category resource data.

[0165] The present application also provides an electronic device comprising a memory and a processor, wherein the memory stores a computer program, and the processor implements the resource management method when executing the computer program. The electronic device can be any smart terminal including a tablet computer, an in-vehicle computer, or the like.

[0166] See also Figure 6 , Figure 6 This is a hardware structure diagram of an electronic device provided in an embodiment of the present application, the electronic device includes:

[0167] The processor 601 may be implemented as a general-purpose CPU (Central Processing Unit), a microprocessor, an application-specific integrated circuit (ASIC), or one or more integrated circuits, and is used to execute relevant programs to implement the technical solutions provided in the embodiments of the present application.

[0168] The memory 602 can be implemented in the form of a read-only memory (ROM), a static storage device, a dynamic storage device, or a random access memory (RAM). The memory 602 can store an operating system and other application programs. When the technical solutions provided in the embodiments of this specification are implemented through software or firmware, the relevant program code is stored in the memory 602 and is called by the processor 601 to execute the resource management method of the embodiments of this application.

[0169] Input / output interface 603, used to implement information input and output;

[0170] Communication interface 604, used to implement communication interaction between this device and other devices, which can be achieved through wired means (such as USB, network cable, etc.) or wireless means (such as mobile network, WiFi, Bluetooth, etc.);

[0171] Bus 605 , which transmits information between various components of the device (e.g., processor 601 , memory 602 , input / output interface 603 , and communication interface 604 );

[0172] The processor 601 , the memory 602 , the input / output interface 603 and the communication interface 604 are connected to each other in communication within the device via a bus 605 .

[0173] An embodiment of the present application further provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, the above-mentioned resource management method is implemented.

[0174] The memory, as a non-transient computer-readable storage medium, can be used to store non-transient software programs and non-transient computer executable programs. In addition, the memory may include a high-speed random access memory and may also include a non-transient memory, such as at least one disk storage device, a flash memory device, or other non-transient solid-state storage device. In some embodiments, the memory may optionally include a memory remotely arranged relative to the processor, and these remote memories may be connected to the processor via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0175] An embodiment of the present application provides a computer program product, which is stored in a storage medium. The program product is executed by at least one processor to implement the various processes of the embodiment of the resource management method as described above, and can achieve similar or identical technical effects. To avoid repetition, it will not be described here.

[0176] The embodiments of the present application provide a resource management method, system, device, medium, and product. By obtaining resource configuration information, resource market data, and the user's held resource data, and by determining a positive correlation between the held resource data and the resource market data, the method can determine a first change in first-category resource data and a second change in second-category resource data. The held resource data includes first-category resource data and second-category resource data, the first-category resource data includes multiple first resource data, and the second-category resource data includes combined resource data of at least two first resource data. The method then determines a first change rate of the first-category resource data and a second change rate of the second-category resource data based on the first change rate, the second change rate, and the held resource data. Finally, when the first period is a preset adjustment period, the resource configuration information is adjusted based on the first change rate and the second change rate, thereby improving the management efficiency of the user's held resource data, such as financial assets.

[0177] The embodiments described in the embodiments of this application are intended to more clearly illustrate the technical solutions of the embodiments of this application and do not constitute a limitation on the technical solutions provided by the embodiments of this application. Those skilled in the art will appreciate that with the evolution of technology and the emergence of new application scenarios, the technical solutions provided in the embodiments of this application are also applicable to similar technical problems.

[0178] Those skilled in the art will understand that the technical solutions shown in the figures do not constitute a limitation on the embodiments of the present application, and may include more or fewer steps than shown in the figures, or a combination of certain steps, or different steps.

[0179] The device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separate, i.e., they may be located in one place or distributed across multiple network units. Some or all of the modules may be selected based on actual needs to achieve the objectives of this embodiment.

[0180] Those skilled in the art will appreciate that all or some of the steps in the methods, systems, and functional modules / units in the devices disclosed above may be implemented as software, firmware, hardware, or appropriate combinations thereof.

[0181] The terms "first", "second", "third", "fourth", etc. (if any) in the specification of the present application and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequential order. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application 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.

[0182] It should be understood that in this application, "at least one (item)" means one or more, and "plurality" means two or more. "And / or" is used to describe the association relationship of associated objects, indicating that three relationships may exist. For example, "A and / or B" can mean: only A exists, only B exists, and A and B exist at the same time, where A and B can be singular or plural. The character " / " generally indicates that the previous and next associated objects are in an "or" relationship. "At least one of the following items" or similar expressions refers to any combination of these items, including any combination of single items or plural items. For example, at least one of a, b or c can mean: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", where a, b, c can be single or multiple.

[0183] In the several embodiments provided in this application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are merely schematic. For example, the division of the above-mentioned units is only a logical function division. In actual implementation, there may be other division methods, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0184] The units described above as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple network units. Some or all of these units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0185] In addition, the functional units in the various embodiments of the present application may be integrated into a single processing unit, or each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or software functional units.

[0186] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, which is stored in a storage medium and includes multiple instructions for enabling a computer device (which can be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of various embodiments of the present application. The aforementioned storage medium includes: various media that can store programs, such as a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk.

[0187] The preferred embodiments of the present invention are described above with reference to the accompanying drawings, but are not intended to limit the scope of the present invention. Any modifications, equivalent substitutions, and improvements made by those skilled in the art without departing from the scope and essence of the present invention should be within the scope of the present invention.

Claims

1. A resource management method, characterized in that: The method comprises: Acquire resource configuration information, resource market data, and user's held resource data, where there is a positive correlation between the held resource data and the resource market data; determining a first change amount of first-category resource data and a second change amount of second-category resource data, wherein the held resource data includes the first-category resource data and the second-category resource data, the first-category resource data includes a plurality of first resource data, and the second-category resource data includes combined resource data of at least two of the first resource data; determining a first change rate of the first type of resource data and a second change rate of the second type of resource data according to the first change amount, the second change amount, and the held resource data; In a case where the first period is a preset adjustment period, the resource configuration information is adjusted according to the first change rate and the second change rate.

2. The method according to claim 1, characterized in that When the first period is a preset adjustment period, adjusting the resource configuration information according to the first change rate and the second change rate includes: In a case where the first period is the preset adjustment period, if at least one of the first change rate and the second change rate satisfies a first preset condition, adjusting the resource configuration information; The first preset condition includes: A first difference between the first change rate and a first preset change rate is greater than a first threshold; A second difference between the second change rate and the second preset change rate is greater than a second threshold; The first threshold and the second threshold are different thresholds, and the resource configuration information includes the first preset change rate and the second preset change rate.

3. The method according to claim 2, characterized in that If at least one of the first change rate and the second change rate satisfies a first preset condition, adjusting the resource configuration information includes: If at least one of the first change rate and the second change rate satisfies the first preset condition, iteratively adjusting the target configuration ratio until both the first change rate and the second change rate obtained after adjustment satisfy the second preset condition, and then stopping the iterative adjustment; The resource configuration information includes the target configuration ratio, which is the configuration ratio of different types of resource data in the held resource data; The second preset condition includes: A first difference between the first change rate and a first preset change rate is less than or equal to a first threshold; and A second difference between the second change rate and the second preset change rate is less than or equal to a second threshold.

4. The method according to claim 3, characterized in that If at least one of the first change rate and the second change rate satisfies the first preset condition, iteratively adjusting the target configuration ratio until both the adjusted first change rate and the adjusted second change rate satisfy the second preset condition, and stopping the iterative adjustment, including: If at least one of the first change rate and the second change rate meets the first preset condition, the target configuration ratio is iteratively adjusted according to the first change rate and the second change rate until the adjusted first change rate and the second change rate both meet the second preset condition, and the iterative adjustment is stopped.

5. The method according to claim 3, characterized in that The resource configuration information includes a first identifier, and the first identifier is used to indicate the fixed resource data in the held resource data; When the first period is a preset adjustment period, adjusting the resource configuration information according to the first change rate and the second change rate includes: In a case where the first period is the preset adjustment period, determining the fixed resource data according to the first identifier; The resource configuration information is adjusted according to the fixed resource data, the first change rate, and the second change rate.

6. The method according to claim 1, characterized in that After obtaining resource configuration information, resource market data, and user's resource holding data, the method further includes: Preprocessing the resource configuration information, the resource market data, and the held resource data to unify the data formats and data calibers of the resource configuration information, the resource market data, and the held resource data; Determining the first change amount of the first type of resource data and the second change amount of the second type of resource data includes: The first change amount of the first type of resource data and the second change amount of the second type of resource data are determined, and the pre-processed held resource data includes the first type of resource data and the second type of resource data.

7. A resource management system, characterized in that: The system comprises: An acquisition module, configured to acquire resource configuration information, resource market data, and user's held resource data, wherein there is a positive correlation between the held resource data and the resource market data; a first determining module, configured to determine a first change amount of first-category resource data and a second change amount of second-category resource data, wherein the held resource data includes the first-category resource data and the second-category resource data, the first-category resource data includes a plurality of first resource data, and the second-category resource data includes combined resource data of at least two of the first resource data; a second determining module, configured to determine a first change rate of the first type of resource data and a second change rate of the second type of resource data according to the first change amount, the second change amount, and the held resource data; The control module is configured to adjust the resource configuration information according to the first change rate and the second change rate when the first time period is a preset adjustment time period.

8. An electronic device, characterized in that: The electronic device includes a memory and a processor, wherein a computer program is stored in the memory, and when the computer program is executed by the processor, the method according to any one of claims 1 to 6 is implemented.

9. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, which, when executed by one or more processors, implements the method according to any one of claims 1 to 6.

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

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