CN115170268B - Financial product generation method and device, electronic equipment and readable storage medium - Google Patents
Financial product generation method and device, electronic equipment and readable storage medium Download PDFInfo
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Abstract
The application discloses a financial product generation method, a device, an electronic device and a readable storage medium, wherein the financial product generation method comprises the following steps: receiving product generation request data input by a user, and matching financial product combination rules corresponding to the product generation request data; and generating a target financial product corresponding to the product generation request data according to the product basic parameters and the financial product combination rules in the product generation request data. The application solves the technical problem of low development efficiency of financial products.
Description
Technical Field
The present application relates to the field of financial technology, and in particular, to a method and an apparatus for generating a financial product, an electronic device, and a readable storage medium.
Background
Along with the continuous development of financial science and technology, the types of financial products are more and more diversified, at present, when a bank develops a financial product, business personnel and research and development personnel are generally required to carry out collaborative development, namely, the business personnel inform the research and development personnel of business rules, and then the research and development personnel design and generate the financial product.
Disclosure of Invention
The application mainly aims to provide a financial product generation method, a financial product generation device, an electronic device and a readable storage medium, and aims to solve the technical problem of low development efficiency of financial products.
In order to achieve the above object, the present application provides a financial product generation method including:
receiving product generation request data input by a user, and matching financial product combination rules corresponding to the product generation request data;
and generating a target financial product corresponding to the product generation request data according to the product basic parameters and the financial product combination rules in the product generation request data.
Optionally, the financial product portfolio rules include product event rules and product indicator rules,
the step of generating the target financial product corresponding to the product generation request data according to the product basic parameters and the financial product combination rules in the product generation request data includes:
according to the product index rule, combining the product basic parameters into at least one corresponding product index parameter;
according to the product event rule, all the product basic parameters and all the product index parameters are combined into at least one corresponding product event parameter;
and generating the target financial product according to each product event parameter.
Optionally, the financial product portfolio rules include product generation rules and product portfolio rules, and the step of generating the target financial product according to each of the product event parameters includes:
generating at least one financial product to be combined, which corresponds to each product event parameter together, according to the product generation rule;
and combining the financial products to be combined according to the product combination rule to obtain the target financial product.
Optionally, the product generation request data includes a product event code and a product indicator code, the financial product combination rule includes a product event rule and a product indicator rule, and the step of matching the financial product combination rule corresponding to the product generation request data includes:
inputting the product event code and the product index code into a preset financial product combination rule model, and matching a product event rule corresponding to the product event code;
and matching a corresponding product index rule in the product event rule according to the product index code.
Optionally, before the step of matching the product event rule corresponding to the product event code, the financial product generation method further includes:
determining whether a product event rule corresponding to the product event code exists;
if not, matching a default product event rule corresponding to the product event code, and matching a corresponding product index rule in the default product event rule according to the product index code;
and if so, executing the step of matching the product event rule corresponding to the product event code.
Optionally, before the step of matching the corresponding product indicator rule in the default product event rule according to the product indicator code, the financial product generating method further includes:
determining whether a product index rule corresponding to the product index code exists in the default product event rule;
if not, matching a default product index rule corresponding to the product index rule;
and if so, executing the step of matching the corresponding product index rule in the default product event rule according to the product index code.
The present application further provides a financial product generation apparatus, the apparatus being a virtual apparatus, the financial product generation apparatus comprising:
the rule matching module is used for receiving product generation request data input by a user and matching financial product combination rules corresponding to the product generation request data;
and the financial product generating module is used for generating a target financial product corresponding to the product generation request data according to the product basic parameters in the product generation request data and the financial product combination rule.
Optionally, the financial product combination rule includes a product event rule and a product index rule, and the financial product generating module further includes:
an index parameter combination submodule for combining each of the product base parameters into a corresponding at least one product index parameter according to the product index rule;
the event parameter combination submodule is used for combining the product basic parameters and the product index parameters into at least one corresponding product event parameter according to the product event rule;
and the product combination submodule generates the target financial product according to the product event parameters.
Optionally, the financial product combination rule includes a product generation rule and a product combination rule, and the product combination sub-module further includes:
the generating unit is used for generating at least one financial product to be combined, which corresponds to each product event parameter together, according to the product generating rule;
and the combining unit is used for combining the financial products to be combined according to the product combination rule to obtain the target financial product.
Optionally, the product generation request data includes a product event code and a product indicator code, and the rule matching module further includes:
the first matching submodule is used for inputting the product event code and the product index code into a preset financial product combination rule model and matching a product event rule corresponding to the product event code;
and the second matching submodule is used for matching the corresponding product index rule in the product event rule according to the product index code.
Optionally, the financial product generation apparatus further comprises:
the first determining module is used for determining whether a product event rule corresponding to the product event code exists;
the first matching module is used for matching a default product event rule corresponding to the product event code if the product event rule does not exist, and matching a corresponding product index rule in the default product event rule according to the product index code;
and the execution module is used for executing the step of matching the product event rule corresponding to the product event code if the product event rule exists.
Optionally, the financial product generation apparatus further comprises:
a second determining module, configured to determine whether a product indicator rule corresponding to the product indicator code exists in the default product event rule;
the second matching module is used for matching the default product index rule corresponding to the product index rule if the product index rule does not exist;
and the execution module is used for executing the step of matching the corresponding product index rule in the default product event rule according to the product index code if the product index rule exists.
The present application further provides an electronic device, the electronic device including: a memory, a processor and a program of the financial product generation method stored on the memory and executable on the processor, the program of the financial product generation method being executable by the processor to implement the steps of the financial product generation method as described above.
The present application also provides a computer-readable storage medium having stored thereon a program for implementing a financial product generation method, the program implementing the steps of the financial product generation method as described above when executed by a processor.
The present application also provides a computer program product comprising a computer program which, when executed by a processor, carries out the steps of the financial product generation method as described above.
The application provides a financial product generation method, a device, electronic equipment and a readable storage medium, namely receiving product generation request data input by a user and matching financial product combination rules corresponding to the product generation request data; and generating a target financial product corresponding to the product generation request data according to the product basic parameters and the financial product combination rules in the product generation request data. Therefore, only business personnel need to input product generation request data into the system, the system can automatically match corresponding financial product combination rules, then target financial products corresponding to basic parameters of the products are automatically generated according to the financial product combination rules, automatic intelligent generation of financial products is realized, the business personnel and research and development personnel are not required to collaboratively develop financial products, the technical defects that the business personnel and the research and development personnel are generally required to collaboratively develop financial products when the financial products are developed by banks at present, the development period of the financial products is long, time and labor are consumed, the development efficiency of the financial products is influenced are overcome, and the development efficiency of the financial products is improved.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and, together with the description, serve to explain the principles of the application.
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, and it is obvious for those skilled in the art to obtain other drawings without inventive exercise.
FIG. 1 is a schematic flow chart diagram illustrating a first embodiment of a method for generating a financial product according to the present application;
FIG. 2 is a schematic flow chart illustrating a second embodiment of a method for generating a financial product according to the present application;
fig. 3 is a schematic device configuration diagram of a hardware operating environment related to a financial product generation method in an embodiment of the present application.
The objectives, features, and advantages of the present application will be further described with reference to the accompanying drawings.
Detailed Description
In order to make the aforementioned objects, features and advantages of the present application more comprehensible, embodiments of the present application are described in detail below with reference to the accompanying drawings. It is to be understood that the embodiments described are only a few embodiments of the present application and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
Example one
In a first embodiment of the financial product generation method of the present application, referring to fig. 1, the financial product generation method includes:
step S10, receiving product generation request data input by a user, and matching financial product combination rules corresponding to the product generation request data;
and step S20, generating a target financial product corresponding to the product generation request data according to the product basic parameters and the financial product combination rules in the product generation request data.
In this embodiment, it should be noted that the financial product combination rule is a rule for combining and generating a financial product, and the financial product combination rule at least includes one of a product index rule, a product event rule, a product generation rule, and a product combination rule, where the product index rule is a customized rule for generating a corresponding product index parameter according to a product basic parameter, for example, if the product basic parameter is a product start date and a product end date, and the product index rule is for determining a product validity period, the product index is a product validity period determined according to the product start date and the product end date; the product event rule is a customized rule for generating a product event parameter according to the product index parameter and the product basic parameter; the product generation rules are customized rules for generating corresponding financial products according to each product event; the product combination rule is a customized rule for combining a plurality of financial products together into a new financial product. The product basic parameter is a data field with minimum granularity representing a business meaning, such as a client type, a product starting time or a product ending time; the product index parameter is a description index which is composed of a plurality of product basic parameters and has certain business rules or logic processing, such as the validity period of the product; the product event parameter is a parameter describing a business behavior or operation possessed by a product process, and specifically may be composed of a product basic parameter and a product index parameter.
As an example, steps S10 to S20 include: receiving product generation request data input by a user, and matching corresponding financial product combination rules according to rule codes in the product generation request data; and combining the product basic parameters in the product generation request data into corresponding target financial products according to the financial product combination rules.
The product generation request data comprises a product event code and a product index code, the financial product combination rule comprises a product event rule and a product index rule, and the step of matching the financial product combination rule corresponding to the product generation request data comprises the following steps:
step S11, inputting the product event code and the product index code into a preset financial product combination rule model, and matching a product event rule corresponding to the product event code;
and S12, matching a corresponding product index rule in the product event rule according to the product index code.
In this embodiment, it should be noted that the preset financial product portfolio rule model includes one or more financial product portfolio rules, and the financial product portfolio rules include at least one of product indicator rules, product event rules, product generation rules, and product portfolio rules.
As an example, steps S11 to S12 include: inputting the product event code and the product index code into a preset financial product rule model, and inquiring a corresponding product generation rule by taking the product event code and the product index code as an index; inquiring corresponding product event rules in each preset event rule corresponding to the product generation rules by taking the product event codes as indexes; and searching corresponding product index rules in each preset index rule corresponding to the product event rule by taking the product index code as an index.
As an example, steps S11 to S12 further include: inputting a product code, the product event code and the product index code into a preset financial product rule model, and inquiring a corresponding product combination rule by taking the product code, the product event code and the product index code as indexes; using the product event code and the product index code as an index together, and inquiring a corresponding product generation rule; inquiring corresponding product event rules in each preset event rule corresponding to the product generation rules by taking the product event codes as indexes; and searching corresponding product index rules in each preset index rule corresponding to the product event rule by taking the product index codes as indexes. It should be noted that the product index rule, the product event rule, the product generation rule and the product combination rule are preset specific rules, which can meet specific requirements of users on different financial products, thereby realizing the personalized generation of money products. The product code is an identification code of a financial product used for combining a new financial product; the product event code is an identification code for generating a product event used by a financial product; the product indicator code is an identification code for generating a product indicator used by the financial product.
Wherein the financial product portfolio rules include product event rules and product indicator rules,
the step of generating the target financial product corresponding to the product generation request data according to the product basic parameters and the financial product combination rules in the product generation request data includes:
step S21, combining each product basic parameter into at least one corresponding product index parameter according to the product index rule;
step S22, according to the product event rule, all the product basic parameters and all the product index parameters are combined together to form at least one corresponding product event parameter;
and S23, generating the target financial product according to the product event parameters.
As one example, steps S21 to S23 include: executing the product index rule on each product basic parameter to generate at least one product index parameter corresponding to each product basic parameter, for example, assuming that each product basic parameter is a product start date and a production end date, and a production index rule is a rule for generating a product validity period, the generated product index parameter is the product validity period; executing the product event rule on each product basic parameter and each product index parameter to generate at least one product event parameter corresponding to each product basic parameter and each product index parameter, for example, if the product event parameter is a parameter corresponding to account information check, the product basic parameter may be an account type, a mobile phone number, and the like, and the product index parameter may be a criterion for determining whether the mobile phone number is a pre-stored number or not; and executing a product generation rule on each product event parameter to generate a target financial product corresponding to each product event parameter, wherein the target financial product can be a live transfer, and the product event parameter can be a parameter associated with product events such as account information check, transfer allowance check, transfer service and the like. The method and the system realize the four levels of dividing the financial products into basic parameters of the products, index parameters of the products, event parameters of the products and the financial products, and business personnel can automatically combine the financial products required by the business personnel only by providing the basic parameters of the products at the bottommost layer, and the business personnel do not need to pay attention to the process of how the products are combined, so that the business logic is decoupled from the code generation process of the financial products, and the development efficiency of the financial products is improved.
Wherein the financial product portfolio rules include product generation rules and product portfolio rules, and the step of generating the target financial product according to each of the product event parameters includes:
step S231, generating at least one financial product to be combined, which is commonly corresponding to each product event parameter, according to the product generation rule;
step S232, combining the financial products to be combined according to the product combination rule to obtain the target financial product.
As an example, steps S231 to S232 include: executing the product generation rule on each product event parameter to generate at least one financial product to be combined, wherein the product event parameters correspond to the financial products to be combined; and acquiring the existing financial products, and executing the product combination rule on each financial product to be combined and the existing financial products to obtain the target financial product. The aim of combining the existing financial products and the newly added financial products into a new financial product can be fulfilled, and the existing financial products can be updated.
The embodiment of the application provides a financial product generation method, namely receiving product generation request data input by a user, and matching financial product combination rules corresponding to the product generation request data; and generating a target financial product corresponding to the product generation request data according to the product basic parameters and the financial product combination rules in the product generation request data. Therefore, only business personnel need to input product generation request data into the system, the system can automatically match corresponding financial product combination rules, then target financial products corresponding to basic parameters of the products are automatically generated according to the financial product combination rules, automatic intelligent generation of financial products is realized, the business personnel and research and development personnel are not required to collaboratively develop financial products, the technical defects that the business personnel and the research and development personnel are generally required to collaboratively develop financial products when the financial products are developed by banks at present, the development period of the financial products is long, time and labor are consumed, the development efficiency of the financial products is influenced are overcome, and the development efficiency of the financial products is improved.
Example two
Based on the first embodiment of the present application, in another embodiment of the financial product generation method of the present application, referring to fig. 2, before the step of matching the product event rule corresponding to the product event code, the financial product generation method further includes:
step A10, determining whether a product event rule corresponding to the product event code exists;
step A20, if the product index code does not exist, matching a default product event rule corresponding to the product event code, and matching a corresponding product index rule in the default product event rule according to the product index code;
step a30, if yes, executing the step of matching the product event rule corresponding to the product event code.
In this embodiment, it should be noted that the default product event rule is a general event rule of most financial products, for example, a rule corresponding to a password payment detection event.
As an example, the steps of step a10 to step a20 include: inputting the product event code and the product index code into a preset financial product combination rule model, and outputting a financial product rule matching result; if the financial product rule matching result is the event rule number corresponding to the product event rule, judging that the matching is successful, and proving that the product event rule corresponding to the product event code exists, thereby executing the step of matching the product event rule corresponding to the product event code; and if the financial product rule matching result is inquiry failure feedback information, judging that the matching fails, proving that no product event rule corresponding to the product event code exists, so as to match a default product event rule corresponding to the product event code, and matching a corresponding product index rule in the default product event rule according to the product index code.
Wherein, prior to the step of matching a corresponding product indicator rule in the default product event rule according to the product indicator code, the financial product generation method further comprises:
step B10, determining whether a product index rule corresponding to the product index code exists in the default product event rule;
step B20, if not, matching a default product index rule corresponding to the product index rule;
and B30, if the product index rule exists, executing the step of matching the corresponding product index rule in the default product event rule according to the product index code.
As an example, steps B10 to B30 include: detecting whether codes consistent with the product index codes exist in codes of all index parameters used by the default product event rule, if so, executing the step of matching the corresponding product index rule in the default product event rule according to the product index codes; and if no code consistent with the product index code exists, matching a default product index rule corresponding to the product index rule. The default product index rule may be a product index rule common to most financial products, such as a generation rule of a product validity index.
The embodiment of the application provides a money product generating method, namely determining whether a product event rule corresponding to the product event code exists; if not, matching a default product event rule corresponding to the product event code, and matching a corresponding product index rule in the default product event rule according to the product index code; and if so, executing the step of matching the product event rule corresponding to the product event code. That is, in this embodiment, a default product event rule and a default product index rule are set, so that for financial products that do not need to be customized and have customized product index rules, the default product event rule and the default product index rule can be shared to generate financial products, thereby reducing the workload of configuring event rules and index rules for generating financial products and improving the efficiency of developing financial products.
EXAMPLE III
An embodiment of the present application further provides a financial product generating apparatus, where:
the rule matching module is used for receiving product generation request data input by a user and matching financial product combination rules corresponding to the product generation request data;
and the financial product generating module is used for generating a target financial product corresponding to the product generation request data according to the product basic parameters in the product generation request data and the financial product combination rule.
Optionally, the financial product combination rule includes a product event rule and a product index rule, and the financial product generating module further includes:
an index parameter combination submodule for combining each of the product base parameters into a corresponding at least one product index parameter according to the product index rule;
an event parameter combination submodule for combining each of the product base parameters and each of the product index parameters into a corresponding at least one product event parameter in common according to the product event rule;
and the product combination submodule generates the target financial product according to the product event parameters.
Optionally, the financial product combination rule includes a product generation rule and a product combination rule, and the product combination sub-module further includes:
the generating unit is used for generating at least one financial product to be combined, which corresponds to each product event parameter together, according to the product generating rule;
and the combining unit is used for combining the financial products to be combined according to the product combination rule to obtain the target financial product.
Optionally, the product generation request data includes a product event code and a product index code, and the rule matching module further includes:
the first matching submodule is used for inputting the product event code and the product index code into a preset financial product combination rule model and matching a product event rule corresponding to the product event code;
and the second matching submodule is used for matching the corresponding product index rule in the product event rule according to the product index code.
Optionally, the financial product generation apparatus further comprises:
the first determining module is used for determining whether a product event rule corresponding to the product event code exists;
the first matching module is used for matching a default product event rule corresponding to the product event code if the product event rule does not exist, and matching a corresponding product index rule in the default product event rule according to the product index code;
and the execution module is used for executing the step of matching the product event rule corresponding to the product event code if the product event rule exists.
Optionally, the financial product generation apparatus further comprises:
a second determining module, configured to determine whether a product indicator rule corresponding to the product indicator code exists in the default product event rule;
the second matching module is used for matching the default product index rule corresponding to the product index rule if the product index rule does not exist;
and the execution module is used for executing the step of matching the corresponding product index rule in the default product event rule according to the product index code if the product index rule exists.
The financial product generation device provided by the application adopts the financial product generation method in the embodiment, and solves the technical problem of low development efficiency of financial products. Compared with the prior art, the financial product generating device provided by the embodiment of the application has the same beneficial effects as the financial product generating method provided by the embodiment, and other technical features of the financial product generating device are the same as those disclosed by the method of the embodiment, which are not repeated herein.
Example four
An embodiment of the present application provides an electronic device, and the electronic device includes: at least one processor; and a memory communicatively coupled to the at least one processor; the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to execute the financial product generation method of the first embodiment.
Referring now to FIG. 3, shown is a schematic diagram of an electronic device suitable for use in implementing embodiments of the present disclosure. The electronic devices in the embodiments of the present disclosure may include, but are not limited to, mobile terminals such as mobile phones, notebook computers, digital broadcast receivers, PDAs (personal digital assistants), PADs (tablet computers), PMPs (portable multimedia players), in-vehicle terminals (e.g., car navigation terminals), and the like, and fixed terminals such as digital TVs, desktop computers, and the like. The electronic device shown in fig. 3 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present disclosure.
As shown in fig. 3, the electronic device may include a processing apparatus (e.g., a central processing unit, a graphic processor, etc.) that may perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) or a program loaded from a storage apparatus into a Random Access Memory (RAM). In the RAM, various programs and data necessary for the operation of the electronic apparatus are also stored. The processing device, ROM and RAM are trained on each other via the bus. An input/output (I/O) interface is also connected to the bus.
Generally, the following systems may be connected to the I/O interface: input devices including, for example, touch screens, touch pads, keyboards, mice, image sensors, microphones, accelerometers, gyroscopes, and the like; output devices including, for example, liquid Crystal Displays (LCDs), speakers, vibrators, and the like; storage devices including, for example, magnetic tape, hard disk, and the like; and a communication device. The communication means may allow the electronic device to communicate wirelessly or by wire with other devices to exchange data. While the figures illustrate an electronic device with various systems, it is to be understood that not all illustrated systems are required to be implemented or provided. More or fewer systems may alternatively be implemented or provided.
In particular, according to an embodiment of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication means, or installed from a storage means, or installed from a ROM. The computer program, when executed by a processing device, performs the above-described functions defined in the methods of the embodiments of the present disclosure.
The electronic equipment provided by the application adopts the financial product generation method in the embodiment, and the technical problem of low development efficiency of financial products is solved. Compared with the prior art, the beneficial effects of the electronic device provided by the embodiment of the application are the same as the beneficial effects of the financial product generation method provided by the embodiment, and other technical features of the electronic device are the same as those disclosed by the embodiment method, which is not repeated herein.
It should be understood that portions of the present disclosure may be implemented in hardware, software, firmware, or a combination thereof. In the foregoing description of embodiments, the particular features, structures, materials, or characteristics may be combined in any suitable manner in any one or more embodiments or examples.
The above description is only for the specific embodiments of the present application, but the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present application, and shall be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
EXAMPLE five
The present embodiment provides a computer-readable storage medium having computer-readable program instructions stored thereon for performing the method of financial product generation in the first embodiment.
The computer readable storage medium provided by the embodiments of the present application may be, for example, a usb disk, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, or device, or a combination of any of the above. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present embodiment, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, or device. Program code embodied on a computer readable storage medium may be transmitted using any appropriate medium, including but not limited to: electrical wires, optical cables, RF (radio frequency), etc., or any suitable combination of the foregoing.
The computer-readable storage medium may be embodied in an electronic device; or may be present alone without being incorporated into the electronic device.
The computer readable storage medium carries one or more programs which, when executed by the electronic device, cause the electronic device to: receiving product generation request data input by a user, and matching financial product combination rules corresponding to the product generation request data; and generating a target financial product corresponding to the product generation request data according to the product basic parameters and the financial product combination rules in the product generation request data.
Computer program code for carrying out operations for aspects of the present disclosure may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, smalltalk, C + +, and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present application. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present disclosure may be implemented by software or hardware. Wherein the names of the modules do not in some cases constitute a limitation of the unit itself.
The computer-readable storage medium provided by the application stores computer-readable program instructions for executing the financial product generation method, and solves the technical problem of low development efficiency of financial products. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided by the embodiment of the application are the same as the beneficial effects of the financial product generation method provided by the embodiment, and are not repeated herein.
EXAMPLE six
The present application also provides a computer program product comprising a computer program which when executed by a processor implements the steps of the financial product generation method as described above.
The computer program product provided by the application solves the technical problem of low development efficiency of financial products. Compared with the prior art, the beneficial effects of the computer program product provided by the embodiment of the application are the same as the beneficial effects of the financial product generation method provided by the embodiment, and are not repeated herein.
The above description is only a preferred embodiment of the present application, and not intended to limit the scope of the present application, and all modifications of equivalent structures and equivalent processes, which are made by the contents of the specification and the drawings, or which are directly or indirectly applied to other related technical fields, are included in the scope of the present application.
Claims (7)
1. A financial product generation method, comprising:
receiving product generation request data input by a user, and matching financial product combination rules corresponding to the product generation request data;
generating a target financial product corresponding to the product generation request data according to the product basic parameters in the product generation request data and the financial product combination rule;
the product generation request data comprises a product event code and a product index code, the financial product combination rule comprises a product event rule and a product index rule, and the step of matching the financial product combination rule corresponding to the product generation request data comprises the following steps:
inputting the product event code and the product index code into a preset financial product combination rule model, and matching a product event rule corresponding to the product event code;
matching a corresponding product index rule in the product event rule according to the product index code;
wherein, before the step of matching the product event rule corresponding to the product event code, the financial product generation method further comprises:
determining whether a product event rule corresponding to the product event code exists;
if not, matching a default product event rule corresponding to the product event code, and matching a corresponding product index rule in the default product event rule according to the product index code;
if yes, executing the step of matching the product event rule corresponding to the product event code;
wherein, before the step of matching a corresponding product indicator rule in the default product event rule according to the product indicator code, the financial product generation method further comprises:
determining whether a product index rule corresponding to the product index code exists in the default product event rule;
if not, matching a default product index rule corresponding to the product index rule;
and if so, executing the step of matching the corresponding product index rule in the default product event rule according to the product index code.
2. The financial product generation method of claim 1, wherein said financial product portfolio rules include product event rules and product indicator rules,
the step of generating the target financial product corresponding to the product generation request data according to the product basic parameters and the financial product combination rules in the product generation request data includes:
according to the product index rule, combining the product basic parameters into at least one corresponding product index parameter;
according to the product event rule, all the product basic parameters and all the product index parameters are combined together to form at least one corresponding product event parameter;
and generating the target financial product according to each product event parameter.
3. The financial product generation method of claim 2, wherein said financial product portfolio rules include product generation rules and product portfolio rules, and said generating said target financial product in accordance with each of said product event parameters comprises:
generating at least one financial product to be combined which corresponds to each product event parameter together according to the product generation rule;
and combining the financial products to be combined according to the product combination rule to obtain the target financial product.
4. A financial product generation apparatus, comprising:
the rule matching module is used for receiving product generation request data input by a user and matching financial product combination rules corresponding to the product generation request data;
the financial product generating module is used for generating a target financial product corresponding to the product generation request data according to the product basic parameters in the product generation request data and the financial product combination rule;
wherein the product generation request data includes a product event code and a product indicator code, and the rule matching module further includes:
the first matching submodule is used for inputting the product event code and the product index code into a preset financial product combination rule model and matching a product event rule corresponding to the product event code;
the second matching submodule is used for matching a corresponding product index rule in the product event rule according to the product index code;
the financial product generation apparatus further comprises:
the first determining module is used for determining whether a product event rule corresponding to the product event code exists;
the first matching module is used for matching a default product event rule corresponding to the product event code if the product event rule does not exist, and matching a corresponding product index rule in the default product event rule according to the product index code;
the execution module is used for executing the step of matching the product event rule corresponding to the product event code if the product event rule exists;
the financial product generation apparatus further comprises:
a second determining module, configured to determine whether a product indicator rule corresponding to the product indicator code exists in the default product event rule;
the second matching module is used for matching the default product index rule corresponding to the product index rule if the product index rule does not exist;
and the execution module is used for executing the step of matching the corresponding product index rule in the default product event rule according to the product index code if the product index rule exists.
5. The financial product generation apparatus of claim 4, wherein the financial product portfolio rules include product event rules and product indicator rules, the financial product generation module further comprising:
an index parameter combination submodule for combining each of the product base parameters into a corresponding at least one product index parameter according to the product index rule;
the event parameter combination submodule is used for combining the product basic parameters and the product index parameters into at least one corresponding product event parameter according to the product event rule;
a product combination submodule for generating the target financial product according to the product event parameters;
the financial product combination rules include product generation rules and product combination rules, and the product combination submodule further includes:
the generating unit is used for generating at least one financial product to be combined, which corresponds to each product event parameter together, according to the product generating rule;
and the combining unit is used for combining the financial products to be combined according to the product combination rule to obtain the target financial product.
6. An electronic device, characterized in that the electronic device comprises:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the steps of the financial product generation method of any one of claims 1 to 3.
7. A computer-readable storage medium, characterized in that the computer-readable storage medium has stored thereon a program implementing a financial product generation method, which is executed by a processor to implement the steps of the financial product generation method according to any one of claims 1 to 3.
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| CN108536459A (en) * | 2018-04-13 | 2018-09-14 | 深圳壹账通智能科技有限公司 | Update method, device, equipment and the computer storage media of financial product |
| CN113409152A (en) * | 2021-06-22 | 2021-09-17 | 平安科技（深圳）有限公司 | Method, device, equipment and storage medium for adapting financial product combination |
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| US20170243278A1 (en) * | 2012-07-25 | 2017-08-24 | CapitalRock LLC | Generation of suggestions and reasoning for product selection |
| US20150363862A1 (en) * | 2014-06-13 | 2015-12-17 | Connect Financial LLC | Financial product recommendation for a consumer |
| CN110162333B (en) * | 2019-05-10 | 2023-05-05 | 中信银行股份有限公司 | Multi-service scene policy management platform based on Drools rule engine |
| EP4288917A1 (en) * | 2021-02-04 | 2023-12-13 | Google LLC | Deep neural network learning with controllable rules |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108536459A (en) * | 2018-04-13 | 2018-09-14 | 深圳壹账通智能科技有限公司 | Update method, device, equipment and the computer storage media of financial product |
| CN113409152A (en) * | 2021-06-22 | 2021-09-17 | 平安科技（深圳）有限公司 | Method, device, equipment and storage medium for adapting financial product combination |
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