The content of the invention
For above-mentioned technical problem, the application provides a kind of data object distribution system and method, and technical scheme is as follows:
According to the first aspect of the application, there is provided a kind of data object distribution method, it is characterised in that methods described bag
Include:
Obtain the base attribute information and self-defined demand information of data object party in request;
According to the self-defined demand information, gain expected degree of the party in request to data stock number is determined;
According to the base attribute information, loss acceptance level of the party in request to data stock number is determined;
Inquired about in default data object information storehouse, the data object in the data object information storehouse has money
Source flow gain attribute and stock number are lost attribute, and the condition that Query Result is required to meet is:Stock number gain profiles value with it is described
Gain expected degree matches and stock number loss property value matches with the loss acceptance level;
The corresponding data object of Query Result is distributed to the party in request.
According to the second aspect of the application, there is provided a kind of financial product orients recommendation method, methods described includes:
Obtain the base attribute information and self-defined demand information of targeted customer;
According to the self-defined demand information, gain expected degree of the targeted customer to assets is determined;
According to the base attribute information, loss acceptance level of the targeted customer to assets is determined;
Inquired about in default financial product information bank, the financial product information tool in the financial product information bank
There are assets gain profiles and wearing out of assets attribute, the condition that Query Result is required to meet is:Assets gain profiles and the gain
Expected degree matches and wearing out of assets attribute matches with the loss acceptance level;
The corresponding financial product of Query Result is recommended into the targeted customer.
According to the third aspect of the application, there is provided a kind of data object distributor, described device includes:
Party in request's information acquisition module, base attribute information and self-defined the demand letter for obtaining data object party in request
Breath;
Gain expected degree determining module, for according to the self-defined demand information, determining the party in request to data
The gain expected degree of stock number;
Loss acceptance level determining module, for according to the base attribute information, determining that the party in request provides to data
The loss acceptance level of source amount;
Enquiry module, for being inquired about in default data object information storehouse, in the data object information storehouse
Data object has stock number gain profiles and stock number loss attribute, and the condition that Query Result is required to meet is:Stock number increases
Beneficial property value matches with the gain expected degree and stock number loss property value matches with the loss acceptance level;
Distribute module, for the corresponding data object of Query Result to be distributed to the party in request.
According to the fourth aspect of the application, there is provided a kind of financial product orients recommendation apparatus, described device includes:
User profile obtains module, base attribute information and self-defined demand information for obtaining targeted customer;
Gain expected degree determining module, for according to the self-defined demand information, determining the targeted customer to money
The gain expected degree of product;
Loss acceptance level determining module, for according to the base attribute information, determining the targeted customer to assets
Loss acceptance level;
Enquiry module, for being inquired about in default financial product information bank, in the financial product information bank
Financial product information has assets gain profiles and wearing out of assets attribute, and the condition that Query Result is required to meet is:Assets gain
Attribute matches with the gain expected degree and wearing out of assets attribute matches with the loss acceptance level;
Recommending module, for the corresponding financial product of Query Result to be recommended into the targeted customer.
Technical scheme provided herein, is " stock number gain profiles " and " resource by the attribute abstraction of data object
Two major classes of amount loss attribute ", corresponding data structure, data storage object information are set up based on above-mentioned two generic attribute.Work as needs
When carrying out data object distribution to party in request, self-defined demand information and base attribute information square according to demand is distinguished, really
The party in request is determined to the gain expected degree of data stock number and loss acceptance level, and then is looked in data object information storehouse
Party in request is distributed to the data object for matching.Whole assigning process need not be processed manually in participation, effectively reduce treatment
Cost, treatment effeciency is improved, and can preferably in various big data application scenarios.
It should be appreciated that the general description of the above and detailed description hereinafter are only exemplary and explanatory, not
The application can be limited.
Specific embodiment
In order that those skilled in the art more fully understand the technical scheme in the application, implement below in conjunction with the application
Accompanying drawing in example, is described in detail to the technical scheme in the embodiment of the present application, it is clear that described embodiment is only
Some embodiments of the present application, rather than whole embodiments.Based on the embodiment in the application, those of ordinary skill in the art
The every other embodiment for being obtained, should all belong to the scope of the application protection.
It is the flow chart of the data object distribution method that the application is provided shown in Fig. 1, the method can include following step
Suddenly:
S101, obtains the base attribute information and self-defined demand information of data object party in request;
S102, according to self-defined demand information, determines gain expected degree of the party in request to data stock number;
S103, according to base attribute information, determines loss acceptance level of the party in request to data stock number;
S104, is inquired about in default data object information storehouse.Wherein, the data object in data object information storehouse
With stock number gain profiles and stock number loss attribute, the condition that Query Result is required to meet is:Stock number gain profiles value
Match with gain expected degree and stock number loss property value matches with loss acceptance level;
S105, the corresponding data object of Query Result is distributed to party in request.
It is " stock number gain profiles " and " stock number loss attribute " by the attribute abstraction of data object in such scheme
Two major classes, corresponding data structure, data storage object information are set up based on above-mentioned two generic attribute.When needs are carried out to party in request
When data object is distributed, self-defined demand information square according to demand and base attribute information, determine the party in request respectively
Gain expected degree and loss acceptance level to data stock number, and then the number for matching is found in data object information storehouse
Party in request is distributed to according to object.Whole assigning process need not be processed manually in participation, effectively reduced processing cost, improved place
Reason efficiency, and can preferably in various big data application scenarios.
By taking the application scenarios of financial institution's issue finance and money management product as an example, domestic consumer is not moneyman, is not known
How to invest, also do not know how risk of controlling the market in road.Although the investment consultant of financial institution possesses such specialty energy
Power, but the quantity of investment consultant needs to consume the substantial amounts of time much smaller than the quantity of domestic consumer, and attendant consultation service after all,
Therefore at present more than financial institution by the way of the preferential offer attendant consultation service service to VIP user.Additionally, being taken in actual consulting
During business is provided, the actual conditions of user are often extremely complex, and alternative financial product has been likely to many kinds,
When needing information content to be processed excessive, investment consultant also is difficult to exhaustive.
For above-mentioned practical problem, using application scheme, the cost of implementation of financial consultation service can be effectively reduced,
Originally the entrance Products Show service of threshold high is supplied to vast domestic consumer, and realizes the efficient, accurate of financial product
Recommend.It is the flow chart of financial product orientation recommendation method provided herein shown in Fig. 2, the method can include following
Step:
S201, obtains the base attribute information and self-defined demand information of targeted customer;
In this application, it would be desirable to the object referred to as targeted customer of financial consultation service is provided, in order to be pushed away to targeted customer
Suitable financial product is recommended, it is necessary to obtain this two aspect information:Base attribute information and self-defined demand information.
Base attribute information:Refer to the information that can embody user's objective reality situation, such as name, age, account stream
Water etc., in application scheme, the essential information that may be used includes:Information, family structure information, asset-liabilities information,
Cash stream information etc..
Self-defined demand information:Each user might have the individual demand of oneself, for example buy house, buying car, support
Always, foundation, children's education etc..The behind of these demands contains some specific information, the existing fund feelings of such as user
Condition, the expected fund for needing, the planned time for realizing demand, etc., these information may decide that basic asset management target.
Certainly, the application is to needing the base attribute information of acquisition and the concrete form of self-defined demand information and not needing
It is defined.Those skilled in the art can according to the actual requirements and the actual data content having of financial sector, to needing
The base attribute information of acquisition and self-defined demand information type are configured.It is for instance possible to obtain user is expected the money for needing
Gold, the planned time of demand is realized to calculate the expected revenus of user in subsequent step, and if user directly inputs
Expected revenus information, then can directly obtain the expected revenus information for follow-up treatment.
Can be that user had filled in and in systems in advance in addition, the information obtained required for above-mentioned
The information for preserving is carried out in user information database, in this case, can be obtained by way of being read from user information database
The base attribute information and self-defined demand information of the targeted customer for prestoring.For the information not pre-saved, can be with
When needing to recommend financial product, corresponding information input operate interface is provided to user side, such as information list, question and answer mode are handed over
Mutual interface etc., guiding active user fill in relevant information, so as to obtain the basic category required for recommending financial product
Property information and self-defined demand information.
S202, according to self-defined demand information, determines gain expected degree of the targeted customer to assets;
A kind of fairly simple situation is:Increment expected degree of the targeted customer to assets can be directly obtained in S201
Data, for example wish assets annualized return reach 5%, wish assets earning rate in 3 years and reach 20%, etc..Such case
Generally directed to the user for having certain investment experiences (for example, at least understanding basic earning rate concept).
More complex situation is:By obtaining one or more other kinds of self-defined demand information, it is calculated
Targeted customer to the gain expected degree of assets, for example, in S201, the investment objective amount of money, the initial outlay of user can be obtained
Amount information, and then can basis:
(the investment objective amount of money-initial outlay amount of money)/initial outlay amount of money, obtains the desired dollar return of user.
In practical application, according to user or system requirements, it is likely more the fund being concerned with the unit interval and receives
Beneficial rate, therefore further can be calculated according to user-defined investment duration:
According to:(the investment objective amount of money-initial outlay amount of money)/initial outlay amount of money/investment duration, obtains targeted customer's phase
The unit time earning rate of prestige.For example, investment duration concrete form is " the investment time limit ", or will with arbitrary unit (such as moon,
Week, day etc.) duration that represents switchs to the duration represented in units of year, then and to be targeted customer desired for corresponding result of calculation
Fund annualized return.
Certainly, above-mentioned formula is only directed to the self-defined demand information of particular type, specific calculative result, not
It is interpreted as the restriction to application scheme.Art technology can select specific gain expected degree true according to actual conditions
Determine scheme.
S203, according to base attribute information, determines loss acceptance level of the targeted customer to assets;
A kind of fairly simple situation is:Loss acceptance level of the targeted customer to assets can be directly obtained in S201
Data, the money damage that can for example bear 10%, the money that can bear 20% are damaged, or the financing type of targeted customer is conservative
Type, balanced type, radical type, etc..
More complex situation is:By obtain one or more it is other kinds of use base attribute information, be calculated
Targeted customer to the loss acceptance level of assets, for example, in S201, age, family structure situation, the assets of user can be obtained
Debt situation, cash flow situation etc., these information can reflect the objective risk ability to bear of user, so as to determine Assets Reorganization Taking
The risk control target of reason, is exemplified below:
Age:The scope at age between 22-55, more than this scope be unsuitable for do Asset Allocation.In this model
Within enclosing, the age is bigger, and risk tolerance is smaller;
Family structure:It is smaller that the personnel of burden needed for family get over multi-risk System ability to bear;
Asset-liabilities:The smaller risk tolerance of asset-liabilities net value is smaller;
Cash flow:The smaller risk tolerance of cash flow is smaller;
Can be each specific base attribute letter of targeted customer according to default corresponding relation in practical application
Breath assigns corresponding score, i.e., corresponding risk tolerance value;Then according to default weighted value, to one or more base
The corresponding risk tolerance value of this attribute information is weighted, so as to obtain one for total evaluation targeted customer to assets
Loss acceptance level value.
Certainly, the application and need not be defined to being actually needed the base attribute information that uses and specific algorithm,
If for example, from from the point of view of guarding, it is also possible to first determine each specific base attribute information correspondence of targeted customer
Risk-taking profile, then using minimum value therein as eventually for assessment targeted customer to the loss acceptance level of assets
Value.Illustrate:According to the age of targeted customer, it may be determined that the risk tolerance of the user is " low ";According to target
The family structure of user, it may be determined that the risk tolerance of the user is " height ", then, according to " minimum value " therein, most
The overall risk ability to bear that the user can be determined eventually is " low ".
S204, is inquired about in default financial product information bank.
According to application scheme, the financial product information in financial product information bank at least has " assets gain profiles "
And " wearing out of assets attribute " two attribute, wherein " assets gain profiles " represent the increment situation explanation of a certain financial product, example
Such as " annualized return 5% ", " medium income " etc.;" wearing out of assets attribute " represents a certain financial product risk situation explanation, example
Such as " maximum money damages 10% ", " low-risk " etc..
Two attributes of financial product information are corresponding with foregoing " gain expected degree " and " loss acceptance level " respectively,
Correspondingly, the condition that Query Result is required to meet is:Assets gain profiles match with gain expected degree and wearing out of assets belongs to
Property with loss acceptance level match.
It should be noted that " matching " here is not intended to be limited to " completely the same " in the narrow sense, but should be understood that
It is " meeting demand " i.e. that two aspect features of financial product can respectively meet the demand of targeted customer.For example:If certain is golden
Melt product, its assets gain profiles value is not less than the gain expected degree of targeted customer and wearing out of assets property value is not more than institute
State the loss acceptance level of targeted customer, then it is assumed that the financial product meets user's request.
Further, it is to be appreciated that " if gain expected degree " and " assets gain profiles ", " loss acceptance level " with
The expression-form of " wearing out of assets attribute " is inconsistent, then can be converted into identical expression-form according to corresponding rule,
Such as " annualized return 10% " mutually turning and " high yield " between, " can bear money damage 50% " and " radical type " between mutually turn,
Etc..
In actual applications, final Query Result is also not limited to single financial product, or various finance
The form of product mix.For example, a certain proportion of low income financial product A of excessive risk and a certain proportion of low-risk high yield gold
Melt product B, if the integral benefit after combination is expected, overall risk can connect with the gain expected degree of targeted customer, loss
Matched by degree, then such combination can also be considered as a Query Result output.
S205, targeted customer is recommended by the corresponding financial product of Query Result.
To meet S204 search requests result output recommend targeted customer, if consequently recommended result contain it is some
The information of individual financial product (or portfolio), then can be according to certain rule compositor display output, such as according to receipts
Beneficial rate sorts, sorted from low to high according to risk from high to low, etc., it is also possible to the operation for being supplied to User Defined to sort
Interface, to facilitate user to check recommendation results as desired.
It can be seen that, using application scheme, manual service is replaced by machine service, significantly reduce financial consultation clothes
The service that original small part user enjoys, is supplied to larger range of domestic consumer by the use threshold of business.Not only effectively reduce
Processing cost, treatment effeciency is improved, and preferably in various big data application scenarios can realize the height of financial product
Effect, accurate recommendation.
Corresponding to above method embodiment, the application also provides a kind of data object distributor, shown in Figure 3, should
Device can include:
Party in request's information acquisition module 110, base attribute information and self-defined need for obtaining data object party in request
Seek information;
Gain expected degree determining module 120, for determining party in request to data stock number according to self-defined demand information
Gain expected degree;
Loss acceptance level determining module 130, for according to base attribute information, determining party in request to data stock number
Loss acceptance level;
Enquiry module 140, for being inquired about in default data object information storehouse, the number in data object information storehouse
There are stock number gain profiles and stock number loss attribute according to object, the condition that Query Result is required to meet is:Resource flow gain
Property value matches with gain expected degree and stock number loss property value matches with loss acceptance level;
Distribute module 150, for the corresponding data object of Query Result to be distributed to party in request.
The application also provides a kind of financial product orientation recommendation apparatus, and shown in Figure 4, the device can include:
User profile obtains module 210, base attribute information and self-defined demand information for obtaining targeted customer;
Gain expected degree determining module 220, for according to self-defined demand information, determining increasing of the targeted customer to assets
Beneficial expected degree;
Loss acceptance level determining module 230, for according to base attribute information, determining loss of the targeted customer to assets
Acceptance level;
Enquiry module 240, for being inquired about in default financial product information bank, the gold in financial product information bank
Melting product information has assets gain profiles and wearing out of assets attribute, and the condition that Query Result is required to meet is:Assets gain belongs to
Property match with gain expected degree and wearing out of assets attribute with loss acceptance level match;
Recommending module 250, for the corresponding financial product of Query Result to be recommended into targeted customer.
In a kind of specific embodiment of the application, user profile obtains module 210 can be specifically for:
From user information database, the self-defined demand information of the targeted customer that reading is prestored;
Or
Self-defined demand information input operation interface is provided to user side, user is obtained using the self-defined of interface input
Demand information.
In a kind of specific embodiment of the application, the self-defined demand information of targeted customer can include:Target is used
The initial outlay amount of money at family, the investment objective amount of money and investment duration.
Correspondingly, gain expected degree determining module 220 can be specifically for:
According to (the investment objective amount of money-initial outlay the amount of money)/initial outlay amount of money/investment duration, targeted customer couple is obtained
The gain expected degree of assets.
In a kind of specific embodiment of the application, the base attribute information of targeted customer can include:
The age information of targeted customer, family structure information, asset-liabilities information, cash stream information, and/or risk partiality
Information.
Correspondingly, loss acceptance level determining module 230 can be specifically for;
According to default corresponding relation, the corresponding risk tolerance value of targeted customer's base attribute information is obtained;
The corresponding risk tolerance value of one or more base attribute information to being obtained is weighted, and obtains target
Loss acceptance level of the user to assets.
As seen through the above description of the embodiments, those skilled in the art can be understood that the application can
Realized by the mode of software plus required general hardware platform.Based on such understanding, the technical scheme essence of the application
On the part that is contributed to prior art in other words can be embodied in the form of software product, the computer software product
Can store in storage medium, such as ROM/RAM, magnetic disc, CD, including some instructions are used to so that a computer equipment
(can be personal computer, server, or network equipment etc.) performs some of each embodiment of the application or embodiment
Method described in part.
Each embodiment in this specification is described by the way of progressive, identical similar portion between each embodiment
Divide mutually referring to what each embodiment was stressed is the difference with other embodiment.Especially for device reality
Apply for example, because it is substantially similar to embodiment of the method, so describing fairly simple, related part is referring to embodiment of the method
Part explanation.Device embodiment described above is only schematical, wherein described illustrate as separating component
Module can be or may not be it is physically separate, implement application scheme when the function of each module can be existed
Realized in same or multiple softwares and/or hardware.Some or all of mould therein can also according to the actual needs be selected
Block realizes the purpose of this embodiment scheme.Those of ordinary skill in the art are without creative efforts, you can
To understand and implement.
The above is only the specific embodiment of the application, it is noted that for the ordinary skill people of the art
For member, on the premise of the application principle is not departed from, some improvements and modifications can also be made, these improvements and modifications also should
It is considered as the protection domain of the application.