CN110941761A

CN110941761A - Product information recommendation method and device, electronic equipment and storage medium

Info

Publication number: CN110941761A
Application number: CN201911189246.7A
Authority: CN
Inventors: 金业; 王艳君; 于海超
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2019-11-28
Filing date: 2019-11-28
Publication date: 2020-03-31

Abstract

The invention discloses a product information recommendation method, a product information recommendation device, electronic equipment and a storage medium, wherein the method comprises the following steps: acquiring target user information, wherein the target user comprises: the user and the potential user, wherein the target user information comprises: trade data; determining trade risk information existing in a target user according to the information of the target user; matching at least one product according to the trade risk information, and performing profit and loss analysis on the at least one product to generate profit and loss data; and transmitting the profit and loss data of at least one product and the purchase information thereof to the target user so as to be convenient for the target user to select. By the method and the device, the experience of the user in the process of purchasing the product can be improved.

Description

Product information recommendation method and device, electronic equipment and storage medium

Technical Field

The invention relates to the field of information processing, in particular to a product information recommendation method and device, electronic equipment and a storage medium.

Background

With the development of economic technology, the participation of enterprises in external trade business is more and more, and the financial market risk of enterprises is also more and more. In the external trade business, the buyer and the seller usually do not pay the money directly, but pay the money to the seller and then pay the money to the financial institution after a period of time, but the financial institution pays the money to the seller (the money of the country where the seller and the enterprise are located) and pays the money to the financial institution (the money of the country where the buyer and the enterprise are located) and the money exchange rate changes in real time, so that the buyer and the enterprise may face the risk of foreign exchange when paying the money after a period of time.

To reduce or eliminate the impact of the foreign exchange risk on the enterprise, the enterprise will typically purchase some financial market products to achieve control of the foreign exchange risk. According to statistics, at present, due to the fact that the foreign exchange risks faced by the enterprises are not fully known and the influence of financial market products on foreign exchange risk control is not fully known, most enterprises do not adopt a foreign exchange risk control strategy, and only rely on subjective judgment of the enterprises to purchase the enterprises to hope to reduce the foreign exchange risks, so that the experience of users in the process of purchasing the products is low.

Disclosure of Invention

In view of the above, the present invention provides a product information recommendation method, apparatus, electronic device and storage medium to solve at least one of the above-mentioned problems.

According to a first aspect of the present invention, there is provided a product information recommendation method, the method comprising: acquiring target user information, wherein the target user comprises: a user and a potential user, wherein the target user information comprises: trade data; determining trade risk information existing in the target user according to the target user information; matching at least one product according to the trade risk information, and performing profit and loss analysis on the at least one product to generate profit and loss data; and sending the profit and loss data of the at least one product and the purchase information thereof to the target user so as to be convenient for the target user to select.

According to a second aspect of the present invention, there is provided a product information recommendation apparatus, the apparatus comprising: an information obtaining unit, configured to obtain target user information, where the target user includes: a user and a potential user, wherein the target user information comprises: trade data; the risk determining unit is used for determining trade risk information existing in the target user according to the target user information; the matching unit is used for matching at least one product according to the trade risk information; the profit and loss data generating unit is used for performing profit and loss analysis on the at least one product to generate profit and loss data; and the information sending unit is used for sending the profit and loss data of the at least one product and the purchase information of the product to the target user so as to be convenient for the target user to select.

According to a third aspect of the present invention, there is provided an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the product information recommendation method when executing the program.

According to a fourth aspect of the present invention, there is provided a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the above-described product information recommendation method.

According to the technical scheme, the trade risk information existing in the target user is determined according to the target user information, at least one product is matched based on the trade risk information, the profit and loss data of the product and the purchase information of the product are sent to the target user, so that the target user can conveniently select to purchase the product.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.

FIG. 1 is a flow chart of a method of recommending product information according to an embodiment of the present invention;

FIG. 2 is a schematic representation of a cash flow for company A, according to an embodiment of the present invention;

FIG. 3 is a schematic diagram illustrating a process for recommending product information for company A according to an embodiment of the present invention;

FIG. 4 is a schematic diagram of recommended product information for company A, according to an embodiment of the invention;

FIG. 5 is a diagram of an exemplary interface for recommending product information to a customer, according to an embodiment of the present invention;

FIG. 6 is a diagram of another example interface for recommending product information to a customer, according to an embodiment of the present invention;

7(a) -7 (c) are graphs of the profit and loss for strategies recommended by company A at different times, according to an embodiment of the present invention;

FIG. 8 is a schematic of the cash flow of company Y according to an embodiment of the present invention;

FIG. 9 is a schematic diagram of a product information recommendation process for company Y according to an embodiment of the invention;

FIG. 10 is a schematic diagram of recommended product information for company Y, according to an embodiment of the invention;

11(a) -11 (c) are graphs of the profit and loss for policies recommended for company Y at different times, according to an embodiment of the present invention;

fig. 12 is a block diagram of a structure of a product information recommending apparatus according to an embodiment of the present invention;

fig. 13 is a block diagram of the structure of the information acquisition unit 1 according to the embodiment of the present invention;

fig. 14 is a detailed configuration block diagram of a product information recommending apparatus according to an embodiment of the present invention;

FIG. 15 is a schematic diagram of an electronic device according to an embodiment of the invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. 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 invention.

In the prior art, for foreign trade enterprises, some financial market products are purchased to reduce or eliminate foreign exchange risks faced by the foreign trade enterprises only by means of understanding of the financial market products by the foreign trade enterprises, so that the enterprises have low experience in purchasing the products. Based on the above, the embodiment of the invention provides a scheme for recommending products based on the foreign exchange risks faced by the enterprise, which helps the enterprise reduce or eliminate the foreign exchange risks faced by the enterprise and improves the experience of users of the enterprise. Embodiments of the present invention are described in detail below with reference to the accompanying drawings.

Fig. 1 is a flowchart of a product information recommendation method according to an embodiment of the present invention, as shown in fig. 1, the method including:

step 101, obtaining information of a target user, wherein the target user comprises: a user and a potential user, wherein the target user information comprises: and (4) trade data.

Specifically, first, user information is obtained, where the user information may include: user basic information and trade data of the user. And then acquiring potential user (which can be called as new user) information associated with the user (which can be called as old user) according to the user information.

That is, by acquiring the old user information, information of upstream and downstream enterprises of the old user can be acquired according to the old user information, and the upstream and downstream enterprises are used as potential users or new users and are used as target users together with the old user to perform subsequent product recommendation.

And 102, determining the trade risk information of the target user according to the target user information.

And 103, matching at least one product according to the trade risk information, and performing profit and loss analysis on the at least one product to generate profit and loss data.

And 104, sending the profit and loss data of the at least one product and the purchase information thereof to the target user so as to be convenient for the target user to select.

Compared with the prior art that products are purchased only by means of judgment of the user to reduce or eliminate the trade risk, the embodiment of the invention recommends the products based on the trade risk information, can better reduce or eliminate the trade risk faced by enterprises, and can improve the purchasing experience of the target users by sending the profit and loss data and the purchase information of the products to the target users.

In actual operation, the user portrait of the target user can be constructed based on the knowledge graph technology, so that the trade risk information of the target user can be analyzed and judged more intuitively. Generally, the trade data includes: trading party information, trading cycle and trading amount, trading risk information, such as foreign exchange risk, can be analyzed through a user profile of a target user.

It should be noted that the knowledge graph technology may be referred to as a knowledge domain visualization technology or a knowledge domain mapping map technology, and the knowledge graph technology may display the development process and the structural relationship between user information, and describe the interrelation between user information by using a visualization technology, thereby forming a user representation.

Preferably, the obtained target user information may further include: the industry category. When recommending products for the target user, the purchase data of the industry user about the recommended products can be sent, and the purchase data can be in the forms of tables and schematic diagrams, so that the target user can be helped to select the products more conveniently and intuitively.

The target user information may further include: whether the product information is an online bank user or not and whether the product information is a registered user of the electronic trading platform or not, so that the product information can be pushed through the online bank or the electronic trading platform, a target user can conveniently buy products from different channels, and the product information comprises the following steps: product profit and loss data, purchase information of users in the industry, and the like.

For the target user, the product information is directly recommended to the target user, the target user can conveniently and quickly select to purchase, and experience and transaction capacity of the target user can be improved. And through indirect recommendation of a customer manager, more specialized and customized experience can be brought to the target user, and the experience feeling and marketing efficiency of the target user can be better improved.

For a better understanding of the embodiments of the present invention, two examples are given below based on banking and finance business.

1. Example one

Company A is a large-scale communication equipment provider, a communication instrument needs to be imported from company B in the United states in 2018, the cost is $ 1000 ten thousand, however, the capital of company A is in shortage, so that a bank is found in 24 days in 8 months in 2018 to open a credit card to company B, the bank pays a commodity money to a supplier in the United states, and the company A refunds to the bank after three months.

According to the above description, 24 days in 2018 is the time that company a is due for the payment, but due to the shortage of capital in company a, the payment by bank is selected, and on 28 days in 2018, 11 months in term, company a makes the actual payment action. The two time points are three months apart, during which time USD/CNY (USD/RMB) exchange rate fluctuations cause company A to be likely to face the risk of foreign exchange. FIG. 2 is a schematic diagram of cash flow from company A.

According to the embodiment of the invention, the product information recommendation flow shown in fig. 3 is performed for company a, as shown in fig. 3, the company a is subjected to customer type analysis, current trade information of company a is obtained, customer tags, such as tag information of industry type, enterprise size, import and export, trade size, trade currency, trade deadline and the like of company a, a user portrait is constructed based on a knowledge graph technology, risk exposure (for example, foreign exchange risk caused by rising of dollar exchange rate) of company a is further judged, then, appropriate financial products are matched, and product information is pushed to company a through a marketing channel, so that company a can select and purchase.

Suppose that the USD/CNY spot rate of company A on the repayment date of 2018, 11 and 28 is R₁Next, the profit and loss using the four strategies shown in FIG. 3 are analyzed.

Strategy 1: long term sales remittance

The three month period quotes for the bank to purchase future money in 24 am, 8 months in 2018 are shown in table 1 below:

currency unit	Time limit	Date of origin and rest	Forward exchange rate
				USD
	3 months old	2018/11/28	6.9333

TABLE 1

The rules for this product are: the forward exchange rate for the three month period is 6.9333.

According to the product rules, if the customer makes the forward purchase product at the bank narrative:

whether R is₁For what value, the benefit of adopting the strategy is (R)₁6.9333). times.1000 ten thousand RMB.

Strategy 2: interval treasure

The stock exchange rate quotes for the three month period in the bank section at 24 am, 8 months in 2018 are shown in table 2 below:

currency unit	Time limit	Date of origin and rest	Interval exchange rate
				USD
	3 months old	2018/11/28	6.9193-6.9194

TABLE 2

The rules for this product are: if the on-demand exchange rate is lower than the interval lower limit when the time expires, the client purchases the exchange according to the lower limit exchange rate; and if the upper limit of the interval is higher than the upper limit of the interval, the client purchases the exchange according to the upper limit exchange rate.

According to the product rule, if the customer narrates the interval treasure product at the bank:

if R is₁Less than or equal to 6.9193, the profit and the loss of adopting the strategy are (R)₁-6.9193) x 1000 ten thousand renminbi;

if R is₁Not less than 6.9194, the profit and loss of adopting the strategy is (R)₁6.9194). times.1000 ten thousand RMB.

Strategy 3: capping long term

The long-term rate quotes for the 24 am 8 months in 2018, the three month long term banking cap are shown in table 3 below:

currency unit	Time limit	Date of origin and rest	Capping forward exchange rate	Exchange rate of agreement	Gain of
						USD	3 months old	2018/11/28	6.9193-6.9194	6.95	400BP

TABLE 3

The rules for this product are: if the spot exchange rate is less than or equal to 6.9193, the client needs to buy money from the bank according to 6.9193; if the immediate exchange rate is not more than 6.95 and not more than 6.9194, the client needs to buy money from the bank according to 6.9194; if the immediate exchange rate is more than 6.95, the client obtains 400BP income, and purchases the exchange according to the immediate exchange rate, and the actual cost of purchasing the exchange is-0.04.

According to the product rules, if the customer makes the capped future product at the bank narrative:

if 6.9194 is less than or equal to R₁Less than or equal to 6.95, the profit and the loss of adopting the strategy are (R)₁-6.9194) x 1000 ten thousand renminbi;

if R is₁If the number is more than 6.95, the profit and the loss of adopting the strategy are 40 ten thousand RMB.

Strategy 4: buying an call option

The quotes for the bank to buy the three-month time frame of the call option in 24 am, 8 month, 2018 are shown in table 4 below:

currency unit	Time limit	Date of origin and rest	Exchange rate of agreement	Option fee
					USD
	3 months old	2018/11/28	6.83	1177BP

TABLE 4

The rules for this product are: when the term expires, if the immediate exchange rate is higher than the agreed exchange rate, the client can purchase the exchange according to the agreed exchange rate; otherwise, the client gives up the option and purchases the exchange according to the immediate exchange rate. The product does not occupy the guarantee gold.

According to the product rules, if the customer narrates the product at the bank:

if R is₁Less than or equal to 6.83, the client can give up the right of way, the profit of adopting the strategy is-117.7 ten thousand RMB;

if R is₁> 6.83, customer rights, and adopting the strategy with profit and loss (R)₁6.9477). times.1000 ten thousand RMB.

According to the financial market product rules, the profit and loss conditions of the client adopting the four strategies under the condition of dynamic change of the on-demand exchange rate on the arrival date can be counted.

And the strategy intention distribution conditions of other customers in the industry to which the customers belong can be counted through the extracted customer labels based on the big data technology. After the statistical analysis is completed, the product information shown in fig. 4 is pushed to company a in the form of a message so that company a can refer to the purchase.

Fig. 4 shows profit and loss curves of different products, distribution of product intention of other customers in the industry, and the like, and when a customer clicks and views the product recommendation information, results of profit and loss analysis and comparison of a plurality of products that can be clicked, different products are displayed, and the percentage of each product selected by a peer enterprise is displayed. In addition, a control which can display and enable a user to conveniently select each product is displayed, so that the purpose of rapid transaction is achieved.

Through the product information schematic diagram, a client can conveniently and intuitively select products and can consult detailed product information of a client manager.

Fig. 5 is an exemplary interface diagram for recommending product information to a customer, and as shown in fig. 5, if the customer is a registered user of the electronic trading platform, the customer can be recommended through the electronic trading platform, and the customer can view the product information by clicking information push.

FIG. 6 is a diagram of another exemplary interface for recommending product information to a customer, as shown in FIG. 6, if the customer is a registered user of the bank global service platform, the customer can be recommended through the bank global service platform, and the customer can view the product information by clicking on the marketing dynamics.

Fig. 7(a) -7 (c) show the profit-and-loss curves for each strategy at different times, and fig. 7(a) shows time T0: 24 days 8 month in 2018, R₁₀6.9003, fig. 7(b) shows time T1: 10/month/15/R in 2018₁₁6.9343, fig. 7(c) shows time T2: 11/2018, 28/R₁₂6.9693.

When a user places a mouse on the profit-and-loss graph, the profit-and-loss conditions of different strategies under the exchange rate of the mouse can be shown.

2. Example two

Company X is a large iron and steel manufacturing enterprise and is the core customer of financial business of the bank supply chain. When the X company carries out order financing business at the bank, the X company provides order information with the Y company, the bank carries out qualification survey on the Y company, the Y company is known to be a home-type mechanical equipment exporter, a batch of mechanical equipment with the value of 100 ten thousand dollars is exported to the United states by sea on 6 th and 6 th in 2018, and the X company receives payment after two months.

As can be seen from the above description, 6/2018 is the time when the Y company should receive the payment, but 8/2018 is the time when the Y actually receives the payment due to the long shipping time. Two time points separated by two months, during which time USD/CNY (USD/RMB) exchange rate fluctuations may cause the Y company to face the risk of foreign exchange.

FIG. 8 is a schematic representation of cash flow from company Y.

For this example, the product information recommendation process shown in fig. 9 is performed for the Y company, as shown in fig. 9, the Y company is first used as an upstream (or downstream) customer of the X company, the Y company is used as a new customer, customer type analysis is performed on the Y company, customer tags are extracted, for example, tag information such as industry category, enterprise size, import and export, trade size, trade currency, trade deadline and the like of the Y company, a user profile is constructed based on a knowledge graph technology, risk exposure (exchange rate risk/interest rate risk/commodity risk) faced by the Y company is further judged, then, appropriate financial products are matched, and online real-time message pushing is performed through a marketing channel, so that the Y company can select and purchase the product.

Suppose that the USD/CNY spot rate for the delivery date of the money is R for 8 months 8/8 days 2018₂The profit and loss when different strategies are taken (3 financial products shown in FIG. 9) are analyzed below.

Strategy 1: long term sales remittance

The two month period quotes for the 6 th morning in 2018, the forward remittance by the bank are shown in table 5 below:

currency unit	Time limit	Date of origin and rest	Forward junction exchange rate
				USD
	2 months old	2018/8/8	6.4146

TABLE 5

The rules for this product are: the forward settlement rate for the two month period was 6.4146.

According to the product rules, if the customer does the forward remittance product at the bank narrative, then:

whether R is₂The penalty in adopting this strategy is (6.4146-R) for what value₂) X 100 ten thousand RMB.

Strategy 2: interval treasure No. 1

The final exchange rate quotes for the two month period of Bao No. 1 in the 6 th morning in 2018 are shown in Table 6 below:

currency unit	Date of origin and rest	Lower limit of far junction rate after optimization	Optimized upper limit of far junction rate
				USD	2018/8/8	6.4230	6.4231

TABLE 6

The rules for this product are: if the on-demand exchange rate is in the locking interval when the client is due, the client will converge according to the on-demand exchange rate; when the lower limit of the interval is lower, the client converges according to the lower limit rate; above the upper interval limit, the customer remits in double.

According to the product rule, a customer can select a partial hedging method to make a 50 ten thousand dollar span treasure product:

if R is₂Less than or equal to 6.4230, and another 50 ten thousand dollars are collected according to the on-demand exchange rate, and the profit is (6.4230-R) when the strategy is adopted₂) X 50 ten thousand RMB;

if R is₂Not less than 6.4231, the benefit when adopting the strategy is (6.4231-R)₂) X 100 ten thousand RMB.

Strategy 3: selling call out expanding options

The quotes for the two-month term call option sold by the bank in 6.6.2018 am are shown in table 7 below:

currency unit	Time limit	Date of origin and rest	Exchange rate of agreement	Option fee
					USD
	2 months old	2018/8/8	6.3946	300BP

TABLE 7

The rules for this product are: when the option is due, if the immediate exchange rate is lower than the agreed-upon exchange rate, the bank does not execute the option, and the customer converges according to the immediate exchange rate but enjoys the 300BP preferential benefit; otherwise, the option is executed, and the client can converge according to the agreed-upon rate and enjoy the 300BP preference.

if R is₂No more than 6.3946, the option is not executed, and is 3 ten thousand RMB;

if R is₂> 6.3946, options are executed, and the benefit when the strategy is taken is (6.4246-R)₂) X 100 ten thousand RMB.

According to the financial market product rules, as in the case one, the profit and loss data under the three strategies and the strategy intention distribution condition of the industry to which the client belongs are statistically analyzed, and then the product information shown in fig. 10 is pushed to the client so as to be convenient for the client to select.

Fig. 11(a) to 11(c) are graphs of the profit and loss of each strategy at different times, and as shown in fig. 11(a) to 11(c), fig. 11(a) shows time T0: 6.6.6.6.2018, R₂₀As a profit-and-loss curve of 6.3765,

fig. 11(b) shows time T1: 7/month/6/R in 2018₂₁6.6355, fig. 11(c) shows time T2: 8.8.8.8.8.R. 2018₂₂6.8133.

The embodiment of the invention is based on big data and knowledge graph technology, constructs the user differentiation scene and the user portrait by analyzing the service of the target customer, provides customized service for the customer, realizes accurate marketing by taking the customer as the center, not only can improve the customer relationship, but also can improve the experience of the user for purchasing products.

Based on similar inventive concepts, the embodiment of the invention also provides a product information recommendation device, which is preferably used for realizing the method.

Fig. 12 is a block diagram of a structure of a product information recommending apparatus according to an embodiment of the present invention, as shown in fig. 12, the apparatus including: information acquisition unit 1, risk determination unit 2, matching unit 3, profit-and-loss data generation unit 4 and information transmission unit 5, wherein:

an information obtaining unit 1, configured to obtain information of a target user, where the target user includes: a user and a potential user, wherein the target user information comprises: trade data;

the risk determining unit 2 is used for determining trade risk information existing in the target user according to the target user information;

the matching unit 3 is used for matching at least one product according to the trade risk information;

a profit-and-loss data generating unit 4, configured to perform profit-and-loss analysis on the at least one product to generate profit-and-loss data;

and the information sending unit 5 is used for sending the profit and loss data of the at least one product and the purchase information of the at least one product to the target user so as to be convenient for the target user to select.

The risk determining unit 2 determines the trade risk information of the target user according to the information of the target user acquired by the information acquiring unit 1, the matching unit 3 matches at least one product based on the trade risk information, and then the information transmitting unit 5 transmits the product profit and loss data and the purchase information thereof generated by the profit and loss data generating unit 4 to the target user so that the target user can select to purchase the product.

Specifically, as shown in fig. 13, the information acquiring unit 1 specifically includes: a user information acquisition module 11 and a potential user information acquisition module 12, wherein:

a user information obtaining module 11, configured to obtain user information, where the user information may include: user basic information and trade data of the user;

a potential user information obtaining module 12, configured to obtain, according to the user information, potential user (or referred to as new user) information associated with the user (or referred to as old user). The potential user may be an upstream or downstream enterprise of the old user.

Preferably, as shown in fig. 14, the apparatus further includes: and the user portrait constructing unit 6 is used for constructing the target user portrait based on the knowledge graph technology according to the target user information. In this way, the user portrait constructing unit 6 constructs the target user portrait, so that the trade risk information of the target user can be analyzed more accurately.

The above trade data specifically includes: and after the user portrait constructing unit 6 constructs the target user portrait, the risk determining unit 2 can determine the trade risk information existing in the target user according to the trade data and the target user portrait.

Preferably, the target user information may further include: the industry category.

With continued reference to fig. 14, the apparatus further comprises: a purchase data acquisition unit 7 and a purchase data transmission unit 8, wherein:

a purchase data obtaining unit 7, configured to obtain purchase data of the at least one product for the user belonging to the industry category;

a purchase data sending unit 8, configured to send the purchase data to the target user in a predetermined form.

The purchase data sending unit 8 sends the data of the recommended products purchased by the users in the industry to the target user, so that the target user can conveniently refer to and select the purchased products.

Specifically, the information transmitting unit 5 and the purchase data transmitting unit 8 may be configured in combination to transmit the product information as shown in fig. 4 or fig. 10 and the profit-and-loss graphs of the policies at different times in fig. 7(a) -7 (c) or fig. 11(a) -11 (c) so as to facilitate the user to select and purchase the product.

For specific execution processes of the units and the modules, reference may be made to the description in the foregoing method embodiments, and details are not described here again.

In practical operation, the units and the modules may be combined or may be singly arranged, and the present invention is not limited thereto.

FIG. 15 is a schematic diagram of an electronic device according to an embodiment of the invention. The electronic device shown in fig. 15 is a general-purpose data processing apparatus comprising a general-purpose computer hardware structure including at least a processor 1501 and a memory 1502. The processor 1501 and the memory 1502 are connected by a bus 1503. The memory 1502 is adapted to store one or more instructions or programs that are executable by the processor 1501. The one or more instructions or programs are executed by processor 1501 to implement the steps in the product information recommendation method described above.

The processor 1501 may be a single microprocessor or a collection of one or more microprocessors. Thus, the processor 1501 implements the processing of data and the control of other devices by executing commands stored in the memory 1502 to thereby execute the method flows of the embodiments of the present invention as described above. The bus 1503 couples the various components described above together, as well as to the display controller 1504 and display devices and input/output (I/O) devices 1505. Input/output (I/O) device 1505 may be a mouse, keyboard, modem, network interface, touch input device, motion sensing input device, printer, and other devices known in the art. Typically, an input/output (I/O) device 1505 is connected to the system through an input/output (I/O) controller 1506.

The memory 1502 may store, among other things, software components such as an operating system, communication modules, interaction modules, and application programs. Each of the modules and applications described above corresponds to a set of executable program instructions that perform one or more functions and methods described in embodiments of the invention.

An embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program is executed by a processor to implement the steps of the product information recommendation method.

In summary, the embodiment of the present invention provides a convenient financial market product pushing scheme, so that an enterprise can quickly know the influence of a financial market product on a foreign exchange risk faced by the enterprise, the foreign exchange risk faced by the enterprise can be reduced or eliminated, the experience of purchasing the product by a user can be improved, and the success rate of purchasing the financial market product by the enterprise can be promoted.

The preferred embodiments of the present invention have been described above with reference to the accompanying drawings. The many features and advantages of the embodiments are apparent from the detailed specification, and thus, it is intended by the appended claims to cover all such features and advantages of the embodiments which fall within the true spirit and scope thereof. Further, since numerous modifications and changes will readily occur to those skilled in the art, it is not desired to limit the embodiments of the invention to the exact construction and operation illustrated and described, and accordingly, all suitable modifications and equivalents may be resorted to, falling within the scope thereof.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. A product information recommendation method, characterized in that the method comprises:

acquiring target user information, wherein the target user comprises: a user and a potential user, wherein the target user information comprises: trade data;

determining trade risk information existing in the target user according to the target user information;

matching at least one product according to the trade risk information, and performing profit and loss analysis on the at least one product to generate profit and loss data;

and sending the profit and loss data of the at least one product and the purchase information thereof to the target user so as to be convenient for the target user to select.

2. The product information recommendation method of claim 1, wherein obtaining target user information comprises:

acquiring user information;

and acquiring potential user information associated with the user according to the user information.

3. The product information recommendation method of claim 1, wherein after obtaining the target user information, the method further comprises:

and constructing the target user portrait based on a knowledge graph technology according to the target user information.

4. The product information recommendation method of claim 3, wherein the trade data comprises: the information of the trade party, the trade period and the trade amount, and the step of determining the trade risk information existing in the target user according to the information of the target user comprises the following steps:

and determining the trading risk information of the target user according to the trading data and the target user portrait.

5. The product information recommendation method of claim 1, wherein the target user information further comprises: in an industry category, the method further comprising:

obtaining purchase data of the at least one product by the user belonging to the industry category;

sending the purchase data to the target user in a predetermined form.

6. A product information recommendation apparatus, characterized in that the apparatus comprises:

an information obtaining unit, configured to obtain target user information, where the target user includes: a user and a potential user, wherein the target user information comprises: trade data;

the risk determining unit is used for determining trade risk information existing in the target user according to the target user information;

the matching unit is used for matching at least one product according to the trade risk information;

the profit and loss data generating unit is used for performing profit and loss analysis on the at least one product to generate profit and loss data;

and the information sending unit is used for sending the profit and loss data of the at least one product and the purchase information of the product to the target user so as to be convenient for the target user to select.

7. The product information recommendation device according to claim 6, wherein the information acquisition unit includes:

the user information acquisition module is used for acquiring user information;

and the potential user information acquisition module is used for acquiring potential user information associated with the user according to the user information.

8. The product information recommendation device of claim 6, further comprising:

and the user portrait construction unit is used for constructing the target user portrait based on the knowledge graph technology according to the target user information.

9. The product information recommendation device of claim 8, wherein the risk determination unit is specifically configured to:

determining trade risk information existing in the target user according to the trade data and the target user portrait, wherein the trade data comprises: trading side information, trading cycle, and trading amount.

10. The product information recommendation device of claim 6, wherein the target user information further comprises: in an industry class, the apparatus further comprising:

the purchase data acquisition unit is used for acquiring purchase data of the at least one product for the user belonging to the industry category;

and the purchase data sending unit is used for sending the purchase data to the target user in a preset form.

11. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the product information recommendation method of any one of claims 1 to 5 when executing the program.

12. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the product information recommendation method according to any one of claims 1 to 5.