Fund Service Information Push and Default Input Value Determination
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Solution Overview
Problem
Internet finance systems lack personalized and intelligent service delivery due to variations in user income, expenditure, and wealth levels, leading to inefficiencies in information push and user input operations.
Innovation Solution
A method and device that analyze historical detail information of a user's fund items to determine characteristic time periods where expected changes occur, allowing for targeted service information push and default input value generation, thereby enhancing personalization and reducing user interruption and input operations.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If service information is pushed to all users uniformly, then information coverage is ensured, but personalization and relevance are reduced
Solution Approach 1:
The patent segments users into different groups based on their fund operation characteristics (e.g., frequent traders, long-term holders, high-net-worth individuals). By dividing the user base into distinct segments with similar behaviors, the system can deliver personalized service information to each segment, improving both personalization and relevance simultaneously.
Solution Approach 2:
The patent applies local quality by providing different types of service information to different user segments based on their specific characteristics. For example, frequent traders receive market analysis and trading tips, while long-term holders receive dividend notifications and portfolio performance reports. This ensures that each user receives information locally optimized for their needs.
2Loss of information
If service information is pushed frequently to ensure coverage, then information availability improves, but user interruption and annoyance increase
Solution Approach 1:
The patent implements periodic action by pushing service information at regular intervals tailored to each user segment's characteristics. For example, market updates are pushed at specific trading hours, while portfolio summaries are sent monthly or quarterly. This periodic approach ensures information availability while avoiding excessive frequency that would cause user annoyance.
Solution Approach 2:
The patent applies preliminary action by analyzing user behavior patterns and pushing information at optimal times before users naturally need it. For example, the system pushes trading reminders before market opening, dividend notifications before ex-dividend dates, and portfolio performance reports at the end of billing cycles. This timing strategy reduces user interruption by delivering information when it is most useful.
3Measurement precision
If users are required to manually input all information, then data accuracy is ensured, but operation efficiency and user convenience are reduced
Solution Approach 1:
The patent implements self-service by automatically collecting and analyzing user transaction data, fund holdings, and behavior patterns without requiring manual user input. The system autonomously segments users, determines their characteristics, and generates personalized service information. This automation maintains data accuracy by using actual transaction records while dramatically improving operation efficiency by eliminating manual user efforts.
Solution Approach 2:
The patent applies feedback by continuously monitoring user responses to pushed information and adjusting future information delivery accordingly. The system analyzes whether users engage with pushed content, click through to services, or ignore messages, and uses this feedback to refine user segmentation and information timing. This closed-loop approach ensures data accuracy through actual user behavior tracking while improving efficiency by reducing unnecessary information pushes.
Data Source
AI summary
Implementations of the present specification provide fund-related service information. In an implementation, historical information of a fund item of a user is retrieved. A projected change of the fund item within a time period based on the historical information is determined. Fund-related service information based on the projected change of the fund item within the time period is determined. The fund-related service information to the user to compensate for the projected change is transmitted.