CN116777226A - Information display system based on quantization processing model - Google Patents

Abstract

The application discloses an information display system based on a quantitative processing model, wherein the technical scheme in the specification adopts a technical means of the quantitative processing model, so that users corresponding to user accounts are quantized, and the technical problem that the attribute difficult to quantitatively analyze cannot be understood by a computer is solved. Based on the information, the system in the specification predicts risks based on the quantized result and sends out information such as first risk prompt information based on the predicted result, so that a user corresponding to the user account can make a decision according to the prompt, and the user experience is improved. In addition, the technical solution in this specification focuses on the fact that the upcoming redemption of a target asset results in a user account balance being changed from possible, and provides guidance for whether the user account is suitable for redemption of the target asset from the perspective of the user account's own fund turnover.

Description

An information display system based on quantitative processing model

Technical field

The present application relates to the technical field of computer systems based on specific computing models, and in particular, to an information display system based on a quantitative processing model.

Background technique

With the development of the economy, people's awareness of asset management has gradually matured, and investment management platforms have emerged on the market that can be used to connect users with asset management servers (such as financial companies). In most cases, the investment management platform does not have the qualifications to manage asset projects with financial attributes (such as a certain financial product), but the investment management platform can provide users with services such as information display and transaction interfaces for asset projects managed by the asset management server. , in order to facilitate the smooth completion of transactions with the asset management server. In this field, quantifying certain aspects of users so that information that cannot be processed by computers can be processed by computers, and predicting user behavior based on quantified results has become one of the main research directions.

There are many ways to quantify this, such as building a user profile for the user. For example, the patent application with the publication number CN114372573B: User profile information identification method, device, computer equipment and storage medium (main classification number: G06N7/00). After quantifying users through behavioral parameters, investment risks are also assessed. These technical solutions are "people" oriented, serve users, and improve user experience. They can apply technical means (the algorithms and equipment used to achieve quantification are subject to natural laws) in quantification and investment scenarios, and can naturally Solve technical problems (for example, the technical problem of quantifying "people" that are difficult to quantify).

However, in some cases, the information needed to build a user profile, such as the user's age, is private information and is difficult to obtain. It can be seen that how to quantify users based on information other than user age and other information, and provide services to users based on quantified results to improve user experience has become an urgent problem to be solved.

Contents of the invention

Embodiments of the present application provide an information display system based on a quantitative processing model to at least partially solve the above technical problems.

The embodiments of this application adopt the following technical solutions:

In the first aspect, embodiments of the present application provide an information display system based on a quantitative processing model. The system is configured on a client, and the system includes:

The acquisition module is configured to: with the authorization of the user account, determine the assets to be redeemed in the user account;

A detection module configured to: determine the asset to be redeemed as the target asset when it is detected that the redemption period of the asset to be redeemed meets the preset conditions;

The quantification module is configured to: use a preset quantification processing model to determine a first quantification value based on the record of small expenditures of the user account within a historical time period of a first length of time from the current moment; wherein, the first quantification value The quantitative value is positively related to the total amount of the small-amount expenditures, the frequency of the small-amount expenditures, and the fluctuation of the small-amount expenditures; based on the large-scale historical period of the user account within the second period of time from the current moment. records of large expenditures to determine a second quantified value; wherein the difference between the second quantified value and the largest expenditure in the records of large expenditures and the balance of the user account, and the record of large expenditures The non-periodic positive correlation shown by each expenditure in the large-amount expenditure record is related to the type of each expenditure; the quantified value of expenditure is determined based on the first quantified value and the second quantified value; wherein , the expenditure quantified value is positively correlated with both the first quantified value and the second quantified value; determine a third quantified value, wherein the third quantified value is related to all the assets to be redeemed in the user account The redemption period is negatively correlated with the duration from the current moment, and is positively correlated with the total amount of the assets to be redeemed in a future time period that is the third duration from the current moment;

An information display module configured to: display the first risk prompt information through the client when the ratio of the expenditure quantified value to the third quantified value is greater than a preset ratio threshold; wherein, the first The risk reminder information is used to characterize the capital turnover risk that will occur if the target asset is not redeemed, so as to guide the user account to perform operations on the target asset based on the first risk reminder information.

In an optional embodiment of this specification, the information display module is further configured to:

When the ratio of the expenditure quantified value to the third quantified value is not greater than the proportion threshold, obtain the asset item to which the target asset belongs from the asset management server that manages the target asset. expected risk over the next investment cycle;

Obtain the risk-taking capacity of said user account;

If the expected risk is greater than the risk-bearing capacity, the second risk prompt information is displayed through the client; wherein the second risk prompt information is used to represent the funds incurred if the target asset is not redeemed. Loss risk to guide the user account to perform operations on the target asset based on the second risk prompt information.

In an optional embodiment of this specification, the detection module is specifically configured as:

Determine the specified duration; wherein the specified duration is positively correlated with the frequency of fund transfers, the average transfer amount, and the user account balance in the history of the user account, and is the closest to the user account to the current moment The amount of the asset to be redeemed is positively correlated and negatively correlated with the frequency of the user account purchasing the asset item to which the most recent asset to be redeemed belongs;

If the redemption period of the asset to be redeemed is less than the specified time period, it is determined that the asset to be redeemed meets the preset condition;

The asset to be redeemed is determined as the target asset.

In an optional embodiment of this specification, the first duration is negatively correlated with the credit of the user account and positively correlated with the balance of the user account.

In an optional embodiment of this specification, the second duration is positively correlated with the frequency of large expenditures in the history of the user account, is positively correlated with the balance of the user account, and is greater than the first duration.

In an optional embodiment of this specification, the third duration is negatively correlated with the frequency of large expenditures in the history of the user account, and is correlated with the largest single amount of funds paid to the associated account in the history of the user account. The quantity is positively related.

In an optional embodiment of this specification, the acquisition module communicates with the investment management platform.

In a second aspect, embodiments of the present application also provide an electronic device, including:

processor; and

A memory arranged to store computer-executable instructions which, when executed, cause the processor to perform the steps performed by the system of the first aspect.

In a third aspect, embodiments of the present application further provide a computer-readable storage medium that stores one or more programs, and the one or more programs are executed by an electronic device including multiple application programs. When, the electronic device is caused to perform the steps performed by the system described in the first aspect.

At least one of the above technical solutions adopted in the embodiments of the present application can achieve the following beneficial effects:

The technical solution in this specification uses technical means such as quantitative processing models to quantify the users corresponding to the user accounts, solving the technical problem that attributes that are difficult to quantitatively analyze cannot be understood by computers. On this basis, the system in this specification also predicts risks based on quantitative results, and issues information such as the first risk prompt information based on the predicted results, so that the user corresponding to the user account can make decisions based on the prompts. Conducive to improving user experience. In addition, the technical solutions in this manual focus on possible changes in the balance of the user's account due to the imminent redemption of the target asset, and provide guidance on whether the user's account is suitable for redeeming the target asset based on the capital turnover of the user's account. During this process, the historical expenditures of the user's account and future asset redemptions will be comprehensively considered to provide users with an asset redemption risk assessment based on the premise that the user has sufficient working capital in the future. The real financial environment is often difficult to predict comprehensively. The system in this manual takes into account the worst case scenario, that is, assuming that there will be no funds transferred into the user account in the future, and the capital turnover of the user account can only be through asset redemption. Maintain and evaluate whether the user's account may face the risk of insufficient cash flow in the worst case scenario, and use this as a basis to issue risk warning information to the user. It can be seen that the system in this manual does not blindly recommend and sell asset projects to users, but combines the financial status of the user's account to provide guidance for the fund management of the user's account, which is conducive to improving the user experience.

Description of drawings

The drawings described here are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation of the present application. In the attached picture:

Figure 1 is a schematic structural diagram of an information display system based on a quantitative processing model provided by an embodiment of this specification;

Figure 2 is a schematic structural diagram of an electronic device in an embodiment of this specification.

Detailed ways

The present invention will be further described in detail below through specific embodiments in conjunction with the accompanying drawings. Similar elements in different embodiments use associated similar element numbers. In the following embodiments, many details are described in order to make the present application better understood. However, those skilled in the art can easily realize that some of the features may be omitted in different situations, or may be replaced by other elements, materials, and methods. In some cases, some operations related to the present application are not shown or described in the specification. This is to avoid the core part of the present application being overwhelmed by excessive descriptions. For those skilled in the art, it is difficult to describe these in detail. The relevant operations are not necessary, and they can fully understand the relevant operations based on the descriptions in the instructions and general technical knowledge in the field.

Additionally, the features, operations, or characteristics described in the specification may be combined in any suitable manner to form various embodiments. At the same time, each step or action in the method description can also be sequentially exchanged or adjusted in a manner that is obvious to those skilled in the art. Therefore, the various sequences in the description and drawings are only for clearly describing a certain embodiment, and do not imply a necessary sequence, unless otherwise stated that a certain sequence must be followed.

The serial numbers assigned to components in this article, such as "first", "second", etc., are only used to distinguish the described objects and do not have any sequential or technical meaning. The terms "connection" and "connection" mentioned in this application include direct and indirect connections (connections) unless otherwise specified.

The technical solutions provided by each embodiment of the present application will be described in detail below with reference to the accompanying drawings.

With the development of the economy, people's awareness of asset management has gradually matured, and investment management platforms have emerged on the market that can be used to connect users with asset management servers (such as financial companies). In most cases, the investment management platform does not have the qualifications to manage asset projects with financial attributes (such as a certain financial product), but the investment management platform can provide users with services such as information display and transaction interfaces for asset projects managed by the asset management server. , in order to facilitate the smooth completion of transactions with the asset management server.

Usually, the function of the investment management platform as to the asset management server is to fully display the asset projects provided by the asset management server to users, so as to attract users to complete transactions through the investment management platform. However, not every transaction The achievement is beneficial to users. On the one hand, there are more or less risks in asset project investment. If the asset is a non-performing asset, it may cause the user's capital loss; on the other hand, the user's funds cannot be fully used for asset project investment. Demands on asset investment, daily expenses, capital turnover, etc. cannot be ignored, and these often require users to make their own decisions. Just like when a vehicle is driving, the user needs to find his own path. On the one hand, it increases the burden on the user and may make mistakes.

This specification provides an information display system based on a quantitative processing model, which is configured on the client. The client in this specification may be an application program running on the user's handheld terminal. Optionally, the acquisition module 100 of the system shown in Figure 1 communicates with the investment management platform.

The investment management platform can be composed of several (one or more) servers with algorithm execution capabilities. The asset management server is used to manage asset projects. Asset items such as bonds, insurance financing, etc. Optionally, the asset management server has a one-to-one correspondence with the asset management company. The client is used to interface with the user to communicate with the investment management platform according to the user's instructions. Users' assets are managed in user accounts, and the investment management platform can manage user accounts under certain permissions (such as information display permissions). In an optional embodiment of this specification, the investment management platform can also be connected to the bank account to realize fund transactions (such as withdrawals, transfers, etc.) between the user account and the bank account. In addition, the investment management platform can also communicate with merchant accounts to realize fund transactions (such as consumption) between user accounts and merchant accounts.

As shown in Figure 1, the information display system based on the quantitative processing model in this manual includes the following modules:

The acquisition module 100 is configured to: with the authorization of the user account, determine the assets to be redeemed in the user account. The acquisition module 100 in this specification has a communication function or a function of calling communication resources.

The detection module 102 is configured to determine the asset to be redeemed as the target asset when it is detected that the redemption period of the asset to be redeemed satisfies the preset condition. The system in this manual is applicable to situations where the user account has at least one asset to be redeemed. For example, the client can include a "Financial Management" tab. After entering the page corresponding to the Financial Management tab based on the user's operation (such as clicking), you can view the status of each asset to be redeemed, such as the redemption amount, redemption Information such as date, asset type (e.g. bonds, insurance, etc.).

In the case where the assets to be redeemed in the user account are not unique, the system in this manual can be implemented for each asset to be redeemed.

In an optional embodiment of this specification, the preset condition may be a preset time condition, for example, 7 days, etc. For example, if the redemption date of asset A to be redeemed is 7 days from the current time, it is determined that the preset conditions are met. In addition, this specification also has other ways of determining preset conditions, which will be introduced in other optional embodiments below.

The quantification module 104 is configured to: use a preset quantification processing model to determine a first quantification value based on the record of small expenditures of the user account within a historical time period of a first duration from the current moment; wherein, the third A quantitative value is positively related to the total amount of the small-amount expenditures, the frequency of the small-amount expenditures, and the fluctuation amount of the small-amount expenditures; based on the user account in the historical time period of the second duration from the current moment Records of large expenditures determine a second quantified value; wherein the difference between the second quantified value and the largest expenditure in the record of large expenditures and the user account balance, and the The non-periodic positive correlation shown by each expenditure in the record is related to the type of each expenditure in the record of the large-amount expenditure; the quantified value of expenditure is determined based on the first quantified value and the second quantified value; Wherein, the expenditure quantified value is positively related to both the first quantified value and the second quantified value; a third quantified value is determined, wherein the third quantified value is related to all the to-be-redeemed items in the user account. The redemption period of an asset is negatively correlated with the duration from the current moment, and is positively correlated with the total amount of the assets to be redeemed in a future time period that is third duration from the current moment.

In related technical fields, algorithms that can obtain the attributes of user accounts and calculate them can be used as the quantitative processing model in this specification. The quantification processing model in this manual is a collection of a series of sub-algorithms, including sub-algorithms that can perform multiplication calculations, sub-algorithms that can perform subtraction calculations, etc. When a certain calculation goal needs to be achieved, each sub-algorithm is called. For example, the first quantitative value is positively related to the fluctuation amount of the small amount of expenditure, the total amount of the small amount of expenditure, and the frequency of the small amount of expenditure, then the fluctuation amount of the small amount of expenditure, The product of the total amount of the small expenditures and the frequency of the small expenditures (the "product" is the calculation implemented by a sub-algorithm) is used as the first quantified value.

The first quantitative value in this specification is used to characterize the situation of small payments in the user account. The first quantitative value is positively related to the total amount of the small expenditures, the frequency of the small expenditures, and the fluctuation amount of the small expenditures.

Volatility is used to characterize the difference between two small expenditures within the first historical period. In an optional embodiment of this specification, the fluctuation amount may be the difference between the largest small expenditure and the smallest small expenditure divided by the average of the small expenditures in the historical period. value. In another optional embodiment of this specification, the difference can be directly used as the fluctuation amount.

In this specification, judging whether a transaction (including expenditure) record is a large amount or a small amount can be judged based on the threshold obtained from experience. If it is greater than the threshold, it is a large amount, and if it is less than the threshold, it is a small amount. In another optional embodiment of this specification, the threshold can also be positively correlated with the average single expenditure of the user account in the past year, with the average account balance in the past year, with the current account balance and the past year. The difference between the average account balances over the years is positively correlated.

In an optional embodiment of this specification, the first period of time may be a preset experience value, such as one month, two months, etc. In another optional embodiment of this specification, the first duration is negatively correlated with the credit of the user account and positively correlated with the balance of the user account. In related technologies, the technical means used to determine the creditworthiness of user accounts are applicable to this instruction when conditions permit.

The second quantitative value in this specification is used to characterize the situation of large payments in the user account. The second quantitative value is positively correlated with the difference between the largest expenditure in the record of large expenditures and the balance of the user's account, and the non-periodic nature of each expenditure in the record of large expenditures; and with The type of each expenditure in the record of the large expenditure is related.

For example, if a user account has a large expenditure of 20,000 yuan on the 5th of every month, then the large expenditure of the user account shows strong cyclicality. If the amount and date of large expenditures in a user's account are relatively random and irregular, the non-periodic nature is strong.

Quantification of expenditure types can be developed empirically. For example, the expenditure type can be loan repayment, credit card repayment, consumption, etc. Among them, the quantitative value of loan repayment is the highest, and the quantitative value of consumption is the lowest.

In an optional embodiment of this specification, the second period of time may be a preset experience value, such as two months, one year, etc. In another optional embodiment of this specification, the second duration is positively correlated with the frequency of large expenditures in the history of the user account, is positively correlated with the balance of the user account, and is greater than the first duration.

The quantified value of expenditure in this specification is the synthesis of the first quantified value and the second quantified value, and the quantified value of expenditure is positively correlated with both the first quantified value and the second quantified value. In an optional embodiment of this specification, the first quantified value and the second quantified value may be summed to obtain the expenditure quantified value. In another optional embodiment of this specification, a preset weight value can be used to weight the first quantified value and the second quantified value respectively, and the weighted results are summed to obtain the expenditure quantified value. Among them, the weight value is positively related to the ratio of the amount of small or large expenditures of each quantitative value in its corresponding historical time period to the amount of expenditure corresponding to the previous historical time period.

The third quantitative value in this specification is used to quantify the increase in account balance through asset redemption in the future period. The third quantitative value is negatively related to the length of the redemption period of all the assets to be redeemed in the user account from the current moment (the lower the timeliness of increasing the account balance through redemption, the third quantitative value The smaller it is), and it is positively correlated with the total amount of assets to be redeemed in the future time period that is the third time period from the current moment (the higher the degree of increasing the account balance through redemption, the greater the third quantitative value).

The account balance increased through redemption can continue to be used to purchase asset projects in the future and can also be used for expenditures.

In an optional embodiment of this specification, the third period of time may be an empirical value, such as 2 months, one year, etc. In another optional embodiment of this specification, the third period of time is negatively correlated with the frequency of large expenditures in the history of the user account (representing the probability that funds obtained from redeeming assets may be used for large expenditures), And it is positively related to the largest single amount of funds paid to the associated account in the history of the user account.

The associated account is an account that corresponds to the same user ID (such as ID number, mobile phone number, etc.) as the user account, and/or the associated account is an account that has historically had large amounts of funds transacted with the user account.

The information display module 106 is configured to: display the first risk prompt information through the client when the ratio of the expenditure quantified value to the third quantified value is greater than a preset ratio threshold; wherein, the third A risk reminder information is used to characterize the capital turnover risk that will occur if the target asset is not redeemed, so as to guide the user account to perform operations on the target asset based on the first risk reminder information.

In an optional embodiment of this specification, the proportion threshold may be an empirical value. In another optional embodiment of this specification, the proportion threshold can be obtained by the type of user account. For example, based on the historical usage of the user account, it can be determined that the user account is the user's main account, then the proportion threshold The value of can be higher; if it is determined that the user account is the user's non-main account (can be understood as a small account or a secondary account), the value of the ratio threshold can be lower.

The first risk warning information in this instruction manual is used to characterize the capital turnover risk caused by the non-redemption of the target assets. In other words, users do not need to judge whether they need to redeem the asset by themselves, the system will provide guidance. Analogous to the process of driving, the driver does not need to plan the route himself, but can just follow the navigation. If the ratio is greater than the preset ratio threshold, it indicates that the capital turnover risk is high. It is recommended that the user redeem the asset to be redeemed to alleviate future capital turnover pressure; if the ratio is greater than the preset ratio threshold, it indicates that the capital turnover risk is low. . The first risk warning information may be a short message, a voice message, etc.

The technical solution in this manual focuses on the situation where the user's account balance may change due to the imminent redemption of the target asset, and provides guidance on whether the user's account is suitable for redeeming the target asset based on the capital turnover of the user's account itself. During this process, the historical expenditures of the user's account and future asset redemptions will be comprehensively considered to provide users with an asset redemption risk assessment based on the premise that the user has sufficient working capital in the future. The real financial environment is often difficult to predict comprehensively. The system in this manual takes into account the worst case scenario, that is, assuming that there will be no funds transferred into the user account in the future, and the capital turnover of the user account can only be through asset redemption. Maintain and evaluate whether the user's account may face the risk of insufficient cash flow in the worst case scenario, and use this as a basis to issue risk warning information to the user. It can be seen that the system in this manual does not blindly recommend and sell asset projects to users, but combines the financial status of the user's account to provide guidance for the fund management of the user's account, which is conducive to improving the user experience.

In the actual investment environment, in addition to facing capital turnover risks, users may also face risks brought by the asset projects themselves. It is understandable that if the subject matter included in the asset project defaults, it will bring risks.

In view of this, in an optional embodiment of this specification, when the ratio of the expenditure quantified value to the third quantified value is not greater than the preset proportion threshold, it indicates that the capital turnover risk is not the most important at present. Risk: the estimated risk of the asset project to which the target asset belongs in the next investment cycle can be obtained from the asset management server that manages the target asset (the estimated risk can be provided by the investment manager of the asset project). Obtain the risk-taking capacity of the user account (in related technologies, the technical means used to determine the risk-taking capacity of the user account are applicable to this instruction when conditions permit. For example, it can be done by conducting a questionnaire on the user account Know the risk tolerance of a user's account). If the expected risk is greater than the risk bearing capacity, a second risk reminder message is sent to the user account. The second risk warning information is used to represent the risk of capital loss caused by the non-redemption of the target asset (for example, the decline in the net asset value exceeds the affordability of the user's account, etc.). The second risk warning information may be a short message, a voice message, etc.

Now, how to determine the target assets in other optional embodiments of this specification will be described.

First, determine the designated time period, which is positively related to the frequency of fund transfers to the user account in history (which can be from other accounts, bank cards, etc.), the average transfer amount, and the balance of the user account. (Characterizing the current ability of the user account to cope with capital turnover), and is positively related to the amount of the most recent asset to be redeemed in the user account (which may or may not be a target asset determined in history) (the amount The larger the value, the greater the flexibility that the user account can use the funds to deal with capital turnover), and the asset item to which the user account purchased the most recent asset to be redeemed (for example, the unique identifier is Xaaaa The frequency of financial products) is negatively correlated (indicating that this asset item is not very attractive to user accounts). If the redemption period of the assets to be redeemed is less than the specified time period, it is determined that the assets to be redeemed meet the preset conditions. The asset to be redeemed is determined as the target asset.

Figure 2 is a schematic structural diagram of an electronic device according to an embodiment of the present application. Please refer to Figure 2. At the hardware level, the electronic device includes a processor and optionally an internal bus, a network interface, and a memory. Among them, the memory may include memory, such as high-speed random access memory (Random-Access Memory, RAM), or may also include non-volatile memory (non-volatile memory), such as at least one disk memory. Of course, the electronic equipment may also include other hardware required by the business.

The processor, network interface and memory can be connected to each other through an internal bus, which can be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect, a peripheral component interconnect standard) bus or an EISA (Extended Industry StandardArchitecture, extended industry standard architecture) bus, etc. The bus can be divided into address bus, data bus, control bus, etc. For ease of presentation, only one bidirectional arrow is used in Figure 2, but it does not mean that there is only one bus or one type of bus.

Memory, used to store programs. Specifically, a program may include program code including computer operating instructions. Memory may include internal memory and non-volatile memory and provides instructions and data to the processor.

The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs it, forming an information display device based on a quantitative processing model at the logical level. The processor executes the program stored in the memory, and is specifically used to execute any of the aforementioned information display systems based on the quantitative processing model.

The above-mentioned information display system based on a quantitative processing model disclosed in the embodiment shown in FIG. 1 of this application can be applied in a processor or implemented by a processor. The processor may be an integrated circuit chip that has signal processing capabilities. During the implementation process, each step of the above system can be completed by instructions in the form of hardware integrated logic circuits or software in the processor. The above-mentioned processor can be a general-purpose processor, including a central processing unit (CPU), a network processor (Network Processor, NP), etc.; it can also be a digital signal processor (DigitalSignal Processor, DSP), an application-specific integrated circuit (ASIC). Application Specific Integrated Circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, and discrete hardware components. Each system, step and logical block diagram disclosed in the embodiments of this application can be implemented or executed. A general-purpose processor may be a microprocessor or the processor may be any conventional processor, etc. The steps of the system disclosed in conjunction with the embodiments of this application can be directly implemented by a hardware decoding processor, or executed by a combination of hardware and software modules in the decoding processor. The software module can be located in random access memory, flash memory, read-only memory, programmable read-only memory or electrically erasable programmable memory, registers and other mature storage media in this field. The storage medium is located in the memory, and the processor reads the information in the memory and completes the steps of the above system in conjunction with its hardware.

The electronic device can also execute an information display system based on a quantitative processing model in Figure 1, and implement the functions of the embodiment shown in Figure 1. The embodiments of this application will not be described again here.

Embodiments of the present application also provide a computer-readable storage medium that stores one or more programs. The one or more programs include instructions, which when executed by an electronic device including multiple application programs When, execute any of the aforementioned information display systems based on the quantitative processing model.

Those skilled in the art will understand that embodiments of the present application may be provided as methods, systems, or computer program products. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment that combines software and hardware aspects. Furthermore, the present application 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, etc.) having computer-usable program code embodied therein.

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. It will be understood that each process and/or block in the flowchart illustrations and/or block diagrams, and combinations of processes and/or blocks in the flowchart illustrations 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 device to produce a machine, such that the instructions executed by the processor of the computer or other programmable data processing device produce a use A device for realizing the functions specified in a process or processes in a flowchart and/or a block or blocks in a block diagram.

These computer program instructions may also be stored in a computer-readable memory that causes a computer or other programmable data processing apparatus to operate in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including the instruction means, the instructions The device implements the functions specified in a process or processes in the flowchart and/or in a block or blocks in the block diagram.

These computer program instructions may also be loaded onto a computer or other programmable data processing device, causing a series of operating steps to be performed on the computer or other programmable device to produce computer-implemented processing, thereby executing on the computer or other programmable device. Instructions provide steps for implementing the functions specified in a process or processes of a flowchart diagram and/or a block or blocks of a block diagram.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

Memory may include non-permanent storage in computer-readable media, random access memory (RAM), and/or non-volatile memory in the form of read-only memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.

Computer-readable media includes both persistent and non-volatile, removable and non-removable media that can be implemented by any method or technology for storage of information. Information may be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), and read-only memory. (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, Magnetic tape cassettes, tape magnetic disk storage or other magnetic storage devices or any other non-transmission medium can be used to store information that can be accessed by a computing device. As defined in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.

It should also be noted that the terms "comprises," "comprises" or any other variation thereof are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that includes a list of elements not only includes those elements, but also includes Other elements are not expressly listed or are inherent to the process, method, article or equipment. Without further limitation, an element defined by the statement "comprises a..." does not exclude the presence of additional identical elements in a process, method, article, or device that includes the stated element.

Those skilled in the art will understand that embodiments of the present application may be provided as methods, systems or computer program products. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present application 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, etc.) having computer-usable program code embodied therein.

The above descriptions are only examples of the present application and are not intended to limit the present application. To those skilled in the art, various modifications and variations may be made to this application. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of this application shall be included in the scope of the claims of this application.

Claims (9)

1. An information display system based on a quantitative processing model, characterized in that the system is configured on the client, and the system includes: The acquisition module is configured to: with the authorization of the user account, determine the assets to be redeemed in the user account; A detection module configured to: determine the asset to be redeemed as the target asset when it is detected that the redemption period of the asset to be redeemed meets the preset conditions; The quantification module is configured to: use a preset quantification processing model to determine a first quantification value based on the record of small expenditures of the user account within a historical time period of a first length of time from the current moment; wherein, the first quantification value The quantitative value is positively related to the total amount of the small-amount expenditures, the frequency of the small-amount expenditures, and the fluctuation of the small-amount expenditures; based on the large-scale historical period of the user account within the second period of time from the current moment. records of large expenditures to determine a second quantified value; wherein the difference between the second quantified value and the largest expenditure in the records of large expenditures and the balance of the user account, and the record of large expenditures The non-periodic positive correlation shown by each expenditure in the large-amount expenditure record is related to the type of each expenditure; the quantified value of expenditure is determined based on the first quantified value and the second quantified value; wherein , the expenditure quantified value is positively correlated with both the first quantified value and the second quantified value; determine a third quantified value, wherein the third quantified value is related to all the assets to be redeemed in the user account The redemption period is negatively correlated with the duration from the current moment, and is positively correlated with the total amount of the assets to be redeemed in a future time period that is the third duration from the current moment; An information display module configured to: display the first risk prompt information through the client when the ratio of the expenditure quantified value to the third quantified value is greater than a preset ratio threshold; wherein, the first The risk reminder information is used to characterize the capital turnover risk that will occur if the target asset is not redeemed, so as to guide the user account to perform operations on the target asset based on the first risk reminder information. 2. The system of claim 1, wherein the information display module is further configured to: When the ratio of the expenditure quantified value to the third quantified value is not greater than the proportion threshold, obtain the next asset item to which the target asset belongs from the asset management server that manages the target asset. Expected risks over the investment cycle; Obtain the risk-taking capacity of said user account; If the expected risk is greater than the risk-bearing capacity, the second risk prompt information is displayed through the client; wherein the second risk prompt information is used to represent the funds incurred if the target asset is not redeemed. Loss risk to guide the user account to perform operations on the target asset based on the second risk prompt information. 3. The system of claim 1, wherein the detection module is specifically configured as: Determine the specified duration; wherein the specified duration is positively correlated with the frequency of fund transfers, the average transfer amount, and the user account balance in the history of the user account, and is the closest to the user account to the current moment The amount of the asset to be redeemed is positively correlated and negatively correlated with the frequency of the user account purchasing the asset item to which the most recent asset to be redeemed belongs; If the redemption period of the asset to be redeemed is less than the specified time period, it is determined that the asset to be redeemed meets the preset condition; The asset to be redeemed is determined as the target asset. 4. The system of claim 1, wherein the first duration is negatively correlated with the credit of the user account and positively correlated with the balance of the user account. 5. The system of claim 1, wherein the second duration is positively correlated with the frequency of large expenditures in the history of the user account, is positively correlated with the balance of the user account, and is greater than the third time period. A long time. 6. The system of claim 1, wherein the third duration is negatively correlated with the frequency of large-amount expenditures in the history of the user account and with the number of single expenditures to the associated account in the history of the user account. The amount of the maximum fund is positively related. 7. The system of claim 1, wherein the acquisition module communicates with the investment management platform. 8. An electronic device, including: processor; and A memory arranged to store computer-executable instructions which, when executed, cause the processor to perform the steps performed by the system of any one of claims 1 to 7. 9. A computer-readable storage medium that stores one or more programs that, when executed by an electronic device including a plurality of application programs, cause the electronic device to execute The steps performed by the system of any one of claims 1 to 7.