CN115018529A - Method, device, device and storage medium for generating financial advertisement - Google Patents
Method, device, device and storage medium for generating financial advertisementDownload PDFInfo
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Abstract
Translated fromChinese
Description
Translated fromChinese技术领域technical field
本发明涉及智能推荐领域，尤其涉及一种理财广告的生成方法、装置、设备及存储介质。The invention relates to the field of intelligent recommendation, and in particular, to a method, device, device and storage medium for generating financial advertisements.
背景技术Background technique
随着互联网技术的发展，互联网广告也随之发展，通过大数据分析技术，使互联网广告的投放不再是广洒网模式，市场对广告投放的精准度要求也越来越高。With the development of Internet technology, Internet advertising has also developed. Through big data analysis technology, Internet advertising is no longer a broad-spread network model, and the market has higher and higher requirements for the accuracy of advertising.
对于理财广告的投放，现有技术通常是通过对用户画像系统的数据分析进行理财广告的生成，或者是基于用户的当前资产数据，如账户余额，进行理财广告生成，但是，单一的用户画像系统或资产数据并不能反映用户的真实财务状况，导致生成的理财广告不精准。For the placement of wealth management advertisements, the prior art usually generates wealth management advertisements through data analysis of the user portrait system, or generates wealth management advertisements based on the user's current asset data, such as account balances. However, a single user portrait system generates wealth management advertisements. Or asset data does not reflect the user's real financial situation, resulting in inaccurate financial advertisements generated.
发明内容SUMMARY OF THE INVENTION
本发明提供了一种理财广告的生成方法、装置、设备及存储介质，用于提高理财广告生成的精准度。The present invention provides a method, device, equipment and storage medium for generating wealth management advertisements, which are used to improve the accuracy of generating wealth management advertisements.
本发明第一方面提供了一种理财广告的生成方法，包括：A first aspect of the present invention provides a method for generating a wealth management advertisement, comprising:
获取目标账户的交易数据，并对所述交易数据进行消费类型分类，得到目标消费类型的目标消费记录；Obtain the transaction data of the target account, classify the transaction data by consumption type, and obtain the target consumption record of the target consumption type;
获取所述目标账户的现金流数据，并根据所述现金流数据和所述目标消费类型的目标消费记录确定所述目标账户的现金流充裕等级；Acquire the cash flow data of the target account, and determine the cash flow adequacy level of the target account according to the cash flow data and the target consumption record of the target consumption type;
获取所述目标账户的资产配置信息，并根据所述资产配置信息和所述现金流充裕等级确定所述目标账户的财富状况信息；Acquiring asset allocation information of the target account, and determining wealth status information of the target account according to the asset allocation information and the cash flow adequacy level;
通过预置的用户画像数据，生成所述目标账户的财富特征标签；Generate the wealth feature label of the target account through the preset user portrait data;
基于所述财富状况信息和所述财富特征标签，生成目标理财广告。Based on the wealth status information and the wealth feature label, a targeted financial management advertisement is generated.
可选的，在本发明第一方面的第一种实现方式中，所述获取目标账户的交易数据，并对所述交易数据进行消费类型分类，得到目标消费类型的目标消费记录，包括：Optionally, in the first implementation manner of the first aspect of the present invention, the acquiring transaction data of the target account, and classifying the transaction data by consumption type, to obtain the target consumption record of the target consumption type, including:
获取目标账户在预置时段内的交易数据，并提取所述交易数据中的初始消费数据；Obtain the transaction data of the target account within the preset period, and extract the initial consumption data in the transaction data;
基于所述初始消费数据中的消费金额信息和消费对象信息，对所述初始消费数据进行数据筛选，得到目标消费数据；Based on the consumption amount information and the consumption object information in the initial consumption data, perform data screening on the initial consumption data to obtain target consumption data;
对所述目标消费数据进行消费类型分类，得到目标消费类型的目标消费记录。The consumption type classification is performed on the target consumption data to obtain a target consumption record of the target consumption type.
可选的，在本发明第一方面的第二种实现方式中，所述对所述目标消费数据进行消费类型分类，得到目标消费类型的目标消费记录，包括：Optionally, in the second implementation manner of the first aspect of the present invention, the consumption type classification is performed on the target consumption data to obtain a target consumption record of the target consumption type, including:
获取预置的消费类型关键词，所述消费类型关键词包括每个消费类型对应的关键词集合；Obtain preset consumption type keywords, where the consumption type keywords include a keyword set corresponding to each consumption type;
提取所述目标消费数据中每笔消费记录的收款方信息和备注信息，并根据所述消费类型关键词对所述收款方信息和所述备注信息进行消费类型关键词匹配，得到每笔消费记录对应的消费类型信息；Extract the payee information and remark information of each consumption record in the target consumption data, and perform consumption type keyword matching on the payee information and the remark information according to the consumption type keyword, and obtain each transaction The consumption type information corresponding to the consumption record;
根据每笔消费记录对应的消费类型信息，对所述目标消费数据进行目标消费类型筛选，得到目标消费类型的目标消费记录。According to the consumption type information corresponding to each consumption record, the target consumption data is screened by the target consumption type to obtain the target consumption record of the target consumption type.
可选的，在本发明第一方面的第三种实现方式中，所述获取所述目标账户的现金流数据，并根据所述现金流数据和所述目标消费类型的目标消费记录确定所述目标账户的现金流充裕等级，包括：Optionally, in a third implementation manner of the first aspect of the present invention, the cash flow data of the target account is acquired, and the cash flow data and the target consumption record of the target consumption type are determined. The cash flow adequacy level of the target account, including:
对所述目标消费记录进行预置时段内的消费均值计算，得到平均消费金额信息；Calculate the average consumption value within a preset time period on the target consumption record to obtain information on the average consumption amount;
根据所述目标账户的活期账户信息，计算所述目标账户的现金流数据；Calculate the cash flow data of the target account according to the current account information of the target account;
通过所述现金流数据和所述平均消费金额信息计算现金流充裕程度比值，并通过所述现金流充裕程度比值确定所述目标账户的现金流充裕等级。The cash flow adequacy ratio is calculated according to the cash flow data and the average consumption amount information, and the cash flow adequacy level of the target account is determined according to the cash flow adequacy ratio.
可选的，在本发明第一方面的第四种实现方式中，所述获取所述目标账户的资产配置信息，并根据所述资产配置信息和所述现金流充裕等级确定所述目标账户的财富状况信息，包括：Optionally, in a fourth implementation manner of the first aspect of the present invention, the asset allocation information of the target account is acquired, and the asset allocation information of the target account is determined according to the asset allocation information and the cash flow adequacy level. Wealth status information, including:
获取所述目标账户的贷款数据、理财数据和信用卡持有数据，通过所述贷款数据、所述理财数据和所述信用卡持有数据，生成资产配置信息；Obtain loan data, wealth management data and credit card holding data of the target account, and generate asset allocation information through the loan data, wealth management data and credit card holding data;
对所述资产配置信息和所述现金流充裕等级进行财富状况分类处理，得到所述目标账户的财富状况信息。Perform wealth status classification processing on the asset allocation information and the cash flow adequacy level to obtain wealth status information of the target account.
可选的，在本发明第一方面的第五种实现方式中，所述通过预置的用户画像数据，生成所述目标账户的财富特征标签，包括：Optionally, in the fifth implementation manner of the first aspect of the present invention, generating the wealth feature label of the target account through preset user portrait data, including:
读取预置的用户画像数据，并提取所述用户画像数据中的用户基本属性标签和消费行为标签；reading preset user portrait data, and extracting user basic attribute labels and consumption behavior labels in the user portrait data;
对所述用户基本属性标签和所述消费行为标签进行财富特征识别，得到财富特征信息；Perform wealth feature identification on the user basic attribute label and the consumption behavior label to obtain wealth feature information;
基于所述财富特征信息，通过预置的标签生成策略生成所述目标账户的财富特征标签。Based on the wealth feature information, a wealth feature label of the target account is generated through a preset label generation strategy.
可选的，在本发明第一方面的第六种实现方式中，所述基于所述财富状况信息和所述财富特征标签，生成目标理财广告，包括：Optionally, in the sixth implementation manner of the first aspect of the present invention, generating a target financial management advertisement based on the wealth status information and the wealth feature label, including:
基于所述财富状况信息和所述财富特征标签，从预置广告生成策略中匹配目标广告生成策略；Based on the wealth status information and the wealth feature label, matching a target advertisement generation strategy from a preset advertisement generation strategy;
通过所述目标广告生成策略生成目标理财广告，所述目标理财广告包括理财产品信息、广告图片信息和广告文本信息。The target financial management advertisement is generated through the target advertisement generation strategy, and the target financial management advertisement includes financial product information, advertisement picture information and advertisement text information.
本发明第二方面提供了一种理财广告的生成装置，包括：A second aspect of the present invention provides a device for generating wealth management advertisements, comprising:
分类模块，用于获取目标账户的交易数据，并对所述交易数据进行消费类型分类，得到目标消费类型的目标消费记录；a classification module, configured to obtain transaction data of the target account, and to classify the transaction data by consumption type to obtain a target consumption record of the target consumption type;
定级模块，用于获取所述目标账户的现金流数据，并根据所述现金流数据和所述目标消费类型的目标消费记录确定所述目标账户的现金流充裕等级；A grading module, configured to acquire the cash flow data of the target account, and determine the cash flow adequacy level of the target account according to the cash flow data and the target consumption record of the target consumption type;
确定模块，用于获取所述目标账户的资产配置信息，并根据所述资产配置信息和所述现金流充裕等级确定所述目标账户的财富状况信息；A determination module, configured to obtain asset allocation information of the target account, and determine wealth status information of the target account according to the asset allocation information and the cash flow adequacy level;
生成模块，用于通过预置的用户画像数据，生成所述目标账户的财富特征标签；A generation module, used for generating the wealth feature label of the target account through the preset user portrait data;
输出模块，用于基于所述财富状况信息和所述财富特征标签，生成目标理财广告。An output module, configured to generate a targeted financial management advertisement based on the wealth status information and the wealth feature label.
可选的，在本发明第二方面的第一种实现方式中，所述分类模块包括：Optionally, in a first implementation manner of the second aspect of the present invention, the classification module includes:
获取单元，用于获取目标账户在预置时段内的交易数据，并提取所述交易数据中的初始消费数据；an acquisition unit for acquiring transaction data of the target account within a preset period, and extracting initial consumption data in the transaction data;
筛选单元，用于基于所述初始消费数据中的消费金额信息和消费对象信息，对所述初始消费数据进行数据筛选，得到目标消费数据；a screening unit, configured to perform data screening on the initial consumption data based on the consumption amount information and consumption object information in the initial consumption data to obtain target consumption data;
分类单元，用于对所述目标消费数据进行消费类型分类，得到目标消费类型的目标消费记录。The classification unit is used for classifying the consumption type of the target consumption data to obtain a target consumption record of the target consumption type.
可选的，在本发明第二方面的第二种实现方式中，所述分类单元具体用于：Optionally, in the second implementation manner of the second aspect of the present invention, the classification unit is specifically used for:
获取预置的消费类型关键词，所述消费类型关键词包括每个消费类型对应的关键词集合；Obtain preset consumption type keywords, where the consumption type keywords include a keyword set corresponding to each consumption type;
提取所述目标消费数据中每笔消费记录的收款方信息和备注信息，并根据所述消费类型关键词对所述收款方信息和所述备注信息进行消费类型关键词匹配，得到每笔消费记录对应的消费类型信息；Extract the payee information and remark information of each consumption record in the target consumption data, and perform consumption type keyword matching on the payee information and the remark information according to the consumption type keyword, and obtain each transaction The consumption type information corresponding to the consumption record;
根据每笔消费记录对应的消费类型信息，对所述目标消费数据进行目标消费类型筛选，得到目标消费类型的目标消费记录。According to the consumption type information corresponding to each consumption record, the target consumption data is screened by the target consumption type to obtain the target consumption record of the target consumption type.
可选的，在本发明第二方面的第三种实现方式中，所述定级模块具体用于：Optionally, in a third implementation manner of the second aspect of the present invention, the grading module is specifically used for:
对所述目标消费记录进行预置时段内的消费均值计算，得到平均消费金额信息；Calculate the average consumption value within a preset time period on the target consumption record to obtain information on the average consumption amount;
根据所述目标账户的活期账户信息，计算所述目标账户的现金流数据；Calculate the cash flow data of the target account according to the current account information of the target account;
通过所述现金流数据和所述平均消费金额信息计算现金流充裕程度比值，并通过所述现金流充裕程度比值确定所述目标账户的现金流充裕等级。The cash flow adequacy ratio is calculated according to the cash flow data and the average consumption amount information, and the cash flow adequacy level of the target account is determined according to the cash flow adequacy ratio.
可选的，在本发明第二方面的第四种实现方式中，所述确定模块具体用于：Optionally, in a fourth implementation manner of the second aspect of the present invention, the determining module is specifically configured to:
获取所述目标账户的贷款数据、理财数据和信用卡持有数据，通过所述贷款数据、所述理财数据和所述信用卡持有数据，生成资产配置信息；Obtain loan data, wealth management data and credit card holding data of the target account, and generate asset allocation information through the loan data, wealth management data and credit card holding data;
对所述资产配置信息和所述现金流充裕等级进行财富状况分类处理，得到所述目标账户的财富状况信息。Perform wealth status classification processing on the asset allocation information and the cash flow adequacy level to obtain wealth status information of the target account.
可选的，在本发明第二方面的第五种实现方式中，所述生成模块具体用于：Optionally, in a fifth implementation manner of the second aspect of the present invention, the generating module is specifically used for:
读取预置的用户画像数据，并提取所述用户画像数据中的用户基本属性标签和消费行为标签；reading preset user portrait data, and extracting user basic attribute labels and consumption behavior labels in the user portrait data;
对所述用户基本属性标签和所述消费行为标签进行财富特征识别，得到财富特征信息；Perform wealth feature identification on the user basic attribute label and the consumption behavior label to obtain wealth feature information;
基于所述财富特征信息，通过预置的标签生成策略生成所述目标账户的财富特征标签。Based on the wealth feature information, a wealth feature label of the target account is generated through a preset label generation strategy.
可选的，在本发明第二方面的第六种实现方式中，所述输出模块具体用于：Optionally, in a sixth implementation manner of the second aspect of the present invention, the output module is specifically used for:
基于所述财富状况信息和所述财富特征标签，从预置广告生成策略中匹配目标广告生成策略；Based on the wealth status information and the wealth feature label, matching a target advertisement generation strategy from a preset advertisement generation strategy;
通过所述目标广告生成策略生成目标理财广告，所述目标理财广告包括理财产品信息、广告图片信息和广告文本信息。The target financial management advertisement is generated through the target advertisement generation strategy, and the target financial management advertisement includes financial product information, advertisement picture information and advertisement text information.
本发明第三方面提供了一种理财广告的生成设备，包括：存储器和至少一个处理器，所述存储器中存储有计算机程序；所述至少一个处理器调用所述存储器中的所述计算机程序，以使得所述理财广告的生成设备执行上述的理财广告的生成方法。A third aspect of the present invention provides a device for generating financial advertisements, comprising: a memory and at least one processor, wherein a computer program is stored in the memory; the at least one processor invokes the computer program in the memory, In order to make the generating device of the wealth management advertisement execute the above-mentioned generating method of the wealth management advertisement.
本发明的第四方面提供了一种计算机可读存储介质，所述计算机可读存储介质中存储有计算机程序，当其在计算机上运行时，使得计算机执行上述的理财广告的生成方法。A fourth aspect of the present invention provides a computer-readable storage medium, wherein a computer program is stored in the computer-readable storage medium, and when it runs on a computer, the computer causes the computer to execute the above-mentioned method for generating a financial advertisement.
本发明提供的技术方案中，获取目标账户的交易数据，并对所述交易数据进行消费类型分类，得到目标消费类型的目标消费记录；获取所述目标账户的现金流数据，并根据所述现金流数据和所述目标消费类型的目标消费记录确定所述目标账户的现金流充裕等级；获取所述目标账户的资产配置信息，并根据所述资产配置信息和所述现金流充裕等级确定所述目标账户的财富状况信息；通过预置的用户画像数据，生成所述目标账户的财富特征标签；基于所述财富状况信息和所述财富特征标签，生成目标理财广告。本发明实施例中，由于流动资金能够反映目标账户的真实财富状况，因此，为了准确地分析目标账户的消费水平，对目标账户的交易数据进行消费类型分类，得到目标消费类型的目标消费记录，再结合现金流数据对目标账户进行现金流充裕程度定级，得到目标账户的现金流充裕等级，除了流动资金能够反映目标账户的真实财富状况之外，固有资产也能够反映目标账户的真实财富状况，因此，服务器结合目标账户的资产配置信息和现金流充裕等级确定目标账户的财富状况信息，再结合大数据生成的财富特征标签，生成目标理财广告。本发明可以提高理财广告生成的精准度。In the technical solution provided by the present invention, the transaction data of the target account is obtained, and the transaction data is classified by consumption type to obtain the target consumption record of the target consumption type; the cash flow data of the target account is obtained, and according to the cash flow data The flow data and the target consumption record of the target consumption type determine the cash flow adequacy level of the target account; acquire asset allocation information of the target account, and determine the cash flow adequacy level according to the asset allocation information and the cash flow adequacy level wealth status information of the target account; generate a wealth feature label of the target account through preset user portrait data; generate a target wealth management advertisement based on the wealth status information and the wealth feature label. In the embodiment of the present invention, since the current capital can reflect the real wealth status of the target account, in order to accurately analyze the consumption level of the target account, the transaction data of the target account is classified by consumption type, and the target consumption record of the target consumption type is obtained, Then combine the cash flow data to grade the cash flow adequacy of the target account, and get the cash flow adequacy level of the target account. In addition to the working capital that can reflect the real wealth status of the target account, the inherent assets can also reflect the real wealth status of the target account. , therefore, the server determines the wealth status information of the target account in combination with the asset allocation information and the cash flow abundance level of the target account, and then combines the wealth feature tags generated by the big data to generate the target financial management advertisement. The present invention can improve the precision of financial advertisement generation.
附图说明Description of drawings
图1为本发明实施例中理财广告的生成方法的一个实施例示意图；FIG. 1 is a schematic diagram of an embodiment of a method for generating a wealth management advertisement in an embodiment of the present invention;
图2为本发明实施例中理财广告的生成方法的另一个实施例示意图；2 is a schematic diagram of another embodiment of a method for generating a wealth management advertisement in an embodiment of the present invention;
图3为本发明实施例中理财广告的生成装置的一个实施例示意图；3 is a schematic diagram of an embodiment of an apparatus for generating wealth management advertisements in an embodiment of the present invention;
图4为本发明实施例中理财广告的生成装置的另一个实施例示意图；4 is a schematic diagram of another embodiment of an apparatus for generating a wealth management advertisement in an embodiment of the present invention;
图5为本发明实施例中理财广告的生成设备的一个实施例示意图。FIG. 5 is a schematic diagram of an embodiment of a device for generating a wealth management advertisement in an embodiment of the present invention.
具体实施方式Detailed ways
本发明实施例提供了一种理财广告的生成方法、装置、设备及存储介质，用于提高理财广告生成的精准度。Embodiments of the present invention provide a method, device, device and storage medium for generating wealth management advertisements, which are used to improve the accuracy of generating wealth management advertisements.
本发明的说明书和权利要求书及上述附图中的术语“第一”、“第二”、“第三”、“第四”等(如果存在)是用于区别类似的对象，而不必用于描述特定的顺序或先后次序。应该理解这样使用的数据在适当情况下可以互换，以便这里描述的实施例能够以除了在这里图示或描述的内容以外的顺序实施。此外，术语“包括”或“具有”及其任何变形，意图在于覆盖不排他的包含，例如，包含了一系列步骤或单元的过程、方法、系统、产品或设备不必限于清楚地列出的那些步骤或单元，而是可包括没有清楚地列出的或对于这些过程、方法、产品或设备固有的其它步骤或单元。The terms "first", "second", "third", "fourth", etc. (if present) in the description and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It is to be understood that data so used may be interchanged under appropriate circumstances so that the embodiments described herein can be practiced in sequences other than those illustrated or described herein. Furthermore, the terms "comprising" or "having" and any variations thereof are intended to cover non-exclusive inclusion, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those expressly listed steps or units, but may include other steps or units not expressly listed or inherent to these processes, methods, products or devices.
可以理解的是，本发明的执行主体可以为理财广告的生成装置，还可以是终端或者服务器，具体此处不做限定。本发明实施例以服务器为执行主体为例进行说明。It can be understood that the executive body of the present invention may be a generating device for wealth management advertisements, and may also be a terminal or a server, which is not specifically limited here. The embodiments of the present invention are described by taking a server as an execution subject as an example.
为便于理解，下面对本发明实施例的具体流程进行描述，请参阅图1，本发明实施例中理财广告的生成方法的一个实施例包括：For ease of understanding, the following describes the specific process of the embodiment of the present invention, referring to FIG. 1 , an embodiment of the method for generating a wealth management advertisement in the embodiment of the present invention includes:
101、获取目标账户的交易数据，并对交易数据进行消费类型分类，得到目标消费类型的目标消费记录；101. Acquire transaction data of the target account, classify the transaction data by consumption type, and obtain a target consumption record of the target consumption type;
需要说明的是，由于用户当前的资产数据只能反映用户当前的资产情况，无法反映目标账户的真实财富状况，因此，为了识别目标账户的真实财富状况信息，服务器获取目标账户的交易数据，其中，交易数据包括不同消费类型的交易数据，如转账数据、消费数据和还信用卡数据等，服务器通过对交易数据进行消费类型分类，得到目标消费类型的目标消费记录，其中，目标消费类型的目标消费记录用于指示消费支出类型的交易数据，剔除非消费支出类型的交易数据，如转账给自己、还信用卡等。It should be noted that, since the current asset data of the user can only reflect the current asset status of the user and cannot reflect the real wealth status of the target account, therefore, in order to identify the real wealth status information of the target account, the server obtains the transaction data of the target account, of which , the transaction data includes transaction data of different consumption types, such as transfer data, consumption data and credit card repayment data, etc. The server obtains the target consumption record of the target consumption type by classifying the consumption type of the transaction data. Record the transaction data used to indicate the type of consumption expenditure, and exclude the transaction data of non-consumption expenditure type, such as transferring money to yourself, repaying credit card, etc.
在一种实施方式中，服务器根据交易数据中的收款人信息对交易数据进行交易类型识别，得到交易数据中每条交易记录对应的交易类型，并根据交易数据中每条交易记录对应的交易类型进行目标消费类型提取，得到交易数据中目标消费类型的目标消费记录。In one embodiment, the server identifies the transaction type of the transaction data according to the payee information in the transaction data, obtains the transaction type corresponding to each transaction record in the transaction data, and obtains the transaction type corresponding to each transaction record in the transaction data, and according to the transaction data corresponding to each transaction record in the transaction data Type to extract the target consumption type, and obtain the target consumption record of the target consumption type in the transaction data.
102、获取目标账户的现金流数据，并根据现金流数据和目标消费类型的目标消费记录确定目标账户的现金流充裕等级；102. Acquire the cash flow data of the target account, and determine the cash flow adequacy level of the target account according to the cash flow data and the target consumption record of the target consumption type;
需要说明的是，目标账户的现金流数据是指目标账户的当前可用资金数据，如目标账户的当前活期余额、当前活期理财余额等用于反映目标账户当前可用资金数额的数据。为了对目标账户的现金流充裕程度进行量化处理，服务器根据目标消费记录计算目标账户在预置时段内的平均消费数据，在一种实施方式中，服务器计算现金流数据与平均消费数据之间的差值，并根据差值对目标账户的现金流充裕程度进行定级，得到目标账户的现金流充裕等级。例如，目标账户A在2021年的月平均消费为10000，而现金流数据为8000，那么，现金流数据与平均消费数据之间的差值为8000-10000＝-2000，最后按照-2000对目标账户进行现金流充裕程度定级为“现金流不足等级”。It should be noted that the cash flow data of the target account refers to the current available fund data of the target account, such as the current checking balance of the target account, the current checking wealth management balance and other data used to reflect the current amount of available funds of the target account. In order to quantify the cash flow adequacy of the target account, the server calculates the average consumption data of the target account within a preset period according to the target consumption record. In one embodiment, the server calculates the difference between the cash flow data and the average consumption data. The difference is calculated, and the cash flow adequacy of the target account is graded according to the difference to obtain the cash flow adequacy level of the target account. For example, the monthly average consumption of target account A in 2021 is 10,000, and the cash flow data is 8,000, then the difference between the cash flow data and the average consumption data is 8,000-10,000=-2,000, and finally the target is adjusted according to -2,000. The cash flow adequacy level of the account is rated as "cash flow deficiency level".
103、获取目标账户的资产配置信息，并根据资产配置信息和现金流充裕等级确定目标账户的财富状况信息；103. Obtain the asset allocation information of the target account, and determine the wealth status information of the target account according to the asset allocation information and the cash flow adequacy level;
需要说明的是，为了综合地识别目标账户的真实财富状态，服务器获取目标账户的资产配置信息，其中，资产配置信息用于指示除现金流数据以外的资产持有数据，如定期理财余额、固有资产持有数据等，服务器按照预置的财富状况关联信息表中资产配置信息和现金流充裕等级确定目标账户的财富状况信息，例如已知目标账户的现金流充裕等级为“现金流充裕等级”，资产配置信息为“持有”，那么，从财富状况关联信息表中查找得到目标账户的财富状况信息可以为“富裕”，若已知目标账户的现金流充裕等级为“现金流平衡等级”，资产配置信息为“未持有”，那么，从财富状况关联信息表中查找得到目标账户的财富状况信息可以为“平衡”，具体此处不做限定。It should be noted that, in order to comprehensively identify the real wealth status of the target account, the server obtains the asset allocation information of the target account, wherein the asset allocation information is used to indicate asset holding data other than cash flow data, such as regular wealth management balance, inherent wealth management Asset holding data, etc., the server determines the wealth status information of the target account according to the asset allocation information and cash flow adequacy level in the preset wealth status related information table, for example, the cash flow adequacy level of the known target account is "cash flow adequacy level" , the asset allocation information is "hold", then, the wealth status information of the target account obtained from the wealth status correlation information table can be "rich", if the cash flow level of the target account is known to be "cash flow balance level" , the asset allocation information is "not held", then, the wealth status information of the target account obtained from the wealth status correlation information table can be "balanced", which is not limited here.
104、通过预置的用户画像数据，生成目标账户的财富特征标签；104. Generate the wealth feature label of the target account through the preset user portrait data;
可以理解的是，为了全面地分析目标账户的财富状况，服务器获取预置的用户画像数据，其中，用户画像数据用于指示目标账户的画像数据，服务器再提取用户画像数据中用于反映用户财富状况的财富状况标签，如收入等级标签、账户等级标签等，由于用户画像数据是通过目标账户的历史操作数据生成，因此，能够准确地反映目标账户的财富状况。在一种实施方式中，服务器根据用户画像数据中的财富状况标签生成目标账户的财富特征标签，例如，假设财富状况标签中的账户等级标签为“私钻等级账户”，那么，生成的财富特征标签可以为“富裕”，假设财富状况标签中的收入等级标签为“高收入水平”，那么，生成的财富特征标签可以为“高收入”，具体此处不做限定。It is understandable that, in order to comprehensively analyze the wealth status of the target account, the server obtains preset user portrait data, wherein the user portrait data is used to indicate the portrait data of the target account, and the server extracts the user portrait data to reflect the user's wealth. Status wealth status labels, such as income level labels, account level labels, etc., since the user profile data is generated through the historical operation data of the target account, it can accurately reflect the wealth status of the target account. In one embodiment, the server generates the wealth feature label of the target account according to the wealth status label in the user profile data. For example, if the account level label in the wealth status label is "private diamond level account", then the generated wealth feature The label can be "rich". Assuming that the income level label in the wealth status label is "high income level", then the generated wealth feature label can be "high income", which is not limited here.
105、基于财富状况信息和财富特征标签，生成目标理财广告。105. Based on wealth status information and wealth feature labels, generate targeted financial management advertisements.
需要说明的是，为了提高理财广告与用户真实财富状况的匹配程度，服务器通过预置的广告生成策略，对财富状况信息和财富特征标签进行广告生成策略匹配，得到目标广告生成策略，其中，目标广告生成策略包括多个广告参数，多个广告参数包括但不限于理财产品信息、广告图片信息和广告文本信息等，服务器通过对目标广告生成策略中的多个广告参数进行解析，得到目标理财广告，并将目标理财广告下发至目标账户终端，以使得目标账户终端展示目标理财广告。It should be noted that, in order to improve the matching degree between wealth management advertisements and the user's real wealth status, the server performs advertisement generation strategy matching between wealth status information and wealth feature tags through the preset advertisement generation strategy, and obtains the target advertisement generation strategy, wherein the target advertisement generation strategy is The advertisement generation strategy includes multiple advertisement parameters, including but not limited to wealth management product information, advertisement image information, and advertisement text information, etc. The server obtains the target wealth management advertisement by analyzing multiple advertisement parameters in the target advertisement generation strategy. , and deliver the target financial management advertisement to the target account terminal, so that the target account terminal displays the target financial management advertisement.
进一步地，服务器将目标理财广告存储于区块链数据库中，具体此处不做限定。Further, the server stores the targeted financial management advertisement in the blockchain database, which is not specifically limited here.
本发明实施例中，由于流动资金能够反映目标账户的真实财富状况，因此，为了准确地分析目标账户的消费水平，对目标账户的交易数据进行消费类型分类，得到目标消费类型的目标消费记录，再结合现金流数据对目标账户进行现金流充裕程度定级，得到目标账户的现金流充裕等级，除了流动资金能够反映目标账户的真实财富状况之外，固有资产也能够反映目标账户的真实财富状况，因此，服务器结合目标账户的资产配置信息和现金流充裕等级确定目标账户的财富状况信息，再结合大数据生成的财富特征标签，生成目标理财广告。本发明可以提高理财广告生成的精准度。In the embodiment of the present invention, since the current capital can reflect the real wealth status of the target account, in order to accurately analyze the consumption level of the target account, the transaction data of the target account is classified by consumption type, and the target consumption record of the target consumption type is obtained, Then combine the cash flow data to grade the cash flow adequacy of the target account, and get the cash flow adequacy level of the target account. In addition to the working capital that can reflect the real wealth status of the target account, the inherent assets can also reflect the real wealth status of the target account. , therefore, the server determines the wealth status information of the target account in combination with the asset allocation information and the cash flow abundance level of the target account, and then combines the wealth feature tags generated by the big data to generate the target financial management advertisement. The present invention can improve the precision of financial advertisement generation.
请参阅图2，本发明实施例中理财广告的生成方法的另一个实施例包括：Referring to FIG. 2 , another embodiment of the method for generating a wealth management advertisement in the embodiment of the present invention includes:
201、获取目标账户在预置时段内的交易数据，并提取交易数据中的初始消费数据；201. Obtain transaction data of the target account within a preset time period, and extract initial consumption data in the transaction data;
需要说明的是，为了提高广告生成效率和生成广告的时效性，服务器获取目标账户在预置时段内的交易数据，如目标账户在一天内、一月内的交易数据。服务器再剔除交易数据中无法反映用户真实消费的数据，如自己转账给自己、还信用卡等，得到交易数据中的初始消费数据。It should be noted that, in order to improve the efficiency of generating advertisements and the timeliness of generating advertisements, the server obtains transaction data of the target account within a preset period, such as transaction data of the target account within one day and one month. The server then removes the data in the transaction data that cannot reflect the actual consumption of the user, such as transferring money to itself, paying back credit cards, etc., to obtain the initial consumption data in the transaction data.
202、基于初始消费数据中的消费金额信息和消费对象信息，对初始消费数据进行数据筛选，得到目标消费数据；202. Based on the consumption amount information and the consumption object information in the initial consumption data, perform data screening on the initial consumption data to obtain target consumption data;
可以理解的是，为了更加准确地对目标账户进行消费水平分析，在一种实施方式中，服务器剔除初始消费数据中消费金额信息大于预置消费金额阈值的消费数据，得到第一消费数据，从而避免目标账户偶发的大额消费成为噪声数据，影响消费水平分析的准确度。服务器根据第一消费数据中的消费对象信息，对第一消费数据进行数据筛选，得到目标消费数据，其中，消费对象信息用于指示收款账户信息，例如，第一消费数据中其中一个消费对象信息为“某供电局”，那么，该消费数据可以被剔除，得到剔除后的目标消费数据。It can be understood that, in order to more accurately analyze the consumption level of the target account, in an implementation manner, the server removes the consumption data whose consumption amount information is greater than the preset consumption amount threshold in the initial consumption data, and obtains the first consumption data, so as to obtain the first consumption data. Avoid the occasional large consumption of the target account from becoming noise data, which affects the accuracy of consumption level analysis. The server performs data screening on the first consumption data according to the consumption object information in the first consumption data to obtain target consumption data, wherein the consumption object information is used to indicate the payment account information, for example, one of the consumption objects in the first consumption data If the information is "a power supply bureau", then the consumption data can be eliminated to obtain the eliminated target consumption data.
203、对目标消费数据进行消费类型分类，得到目标消费类型的目标消费记录；203. Classify the consumption type of the target consumption data, and obtain the target consumption record of the target consumption type;
具体的，步骤203包括：获取预置的消费类型关键词，消费类型关键词包括每个消费类型对应的关键词集合；提取目标消费数据中每笔消费记录的收款方信息和备注信息，并根据消费类型关键词对收款方信息和备注信息进行消费类型关键词匹配，得到每笔消费记录对应的消费类型信息；根据每笔消费记录对应的消费类型信息，对目标消费数据进行目标消费类型筛选，得到目标消费类型的目标消费记录。为了准确地对目标消费数据进行消费类型分类，以提高获取真实消费数据的准确度，服务器获取预置的消费类型关键词，并提取目标消费数据中每笔消费记录的收款方信息和备注信息，通过目标消费数据中每笔消费记录的收款方信息和备注信息与消费类型关键词中每个消费类型对应的关键词集合进行比对，得到每笔消费记录对应的消费类型，再根据预设的目标消费类型信息对目标消费数据中的每笔消费记录进行筛选，得到目标消费类型的目标消费记录。Specifically,
204、获取目标账户的现金流数据，并根据现金流数据和目标消费类型的目标消费记录确定目标账户的现金流充裕等级；204. Obtain the cash flow data of the target account, and determine the cash flow adequacy level of the target account according to the cash flow data and the target consumption record of the target consumption type;
具体的，步骤204包括：对目标消费记录进行预置时段内的消费均值计算，得到平均消费金额信息；根据目标账户的活期账户信息，计算目标账户的现金流数据；通过现金流数据和平均消费金额信息计算现金流充裕程度比值，并通过现金流充裕程度比值确定目标账户的现金流充裕等级。为了准确地识别目标账户的现金流充裕程度，服务器得到目标消费记录之后，计算目标消费记录的均值，得到目标账户在预置时段内的平均消费金额信息，如一年内的月平均消费金额为5000。服务器再获取目标账户的现金流数据，也就是目标账户的当前可用资金数据，如账户余额、活期理财余额等，通过计算现金流数据与平均消费金额的比值，得到现金流充裕程度比值，并根据现金流充裕程度比值对目标账户的现金流充裕程度进行定级，得到目标账户的现金流充裕等级。Specifically,
205、获取目标账户的资产配置信息，并根据资产配置信息和现金流充裕等级确定目标账户的财富状况信息；205. Obtain the asset allocation information of the target account, and determine the wealth status information of the target account according to the asset allocation information and the cash flow adequacy level;
具体的，步骤205包括：获取目标账户的贷款数据、理财数据和信用卡持有数据，通过贷款数据、理财数据和信用卡持有数据，生成资产配置信息；对资产配置信息和现金流充裕等级进行财富状况分类处理，得到目标账户的财富状况信息。为了综合地评估目标账户的财富状况，服务器通过目标账户的贷款数据、理财数据和信用卡持有数据，生成目标账户的资产配置信息，在一种实施方式中，服务器计算目标账户的贷款数据、理财数据和信用卡持有数据之和，得到目标账户的资产配置信息，例如，计算目标账户的贷款月供数值、定期理财持有数值和信用卡额度之和，得到目标账户的资产配置信息。Specifically,
206、通过预置的用户画像数据，生成目标账户的财富特征标签；206. Generate a wealth feature label of the target account through the preset user portrait data;
具体的，步骤206包括：读取预置的用户画像数据，并提取用户画像数据中的用户基本属性标签和消费行为标签；对用户基本属性标签和消费行为标签进行财富特征识别，得到财富特征信息；基于财富特征信息，通过预置的标签生成策略生成目标账户的财富特征标签。在一种实施方式中，服务器提取用户画像数据中的用户基本属性标签和消费行为标签，再通过预置的财富特征识别模型对用户基本属性标签和消费行为标签进行财富特征识别，得到财富特征信息，并根据财富特征信息与财富特征标签之间的映射关系，生成目标账户的财富特征标签。本实施方式能够提取目标账户的财富特征，从而提高广告生成与真实财富状况的匹配程度。Specifically,
207、基于财富状况信息和财富特征标签，生成目标理财广告。207. Generate targeted financial management advertisements based on wealth status information and wealth feature labels.
具体的，步骤207包括：基于财富状况信息和财富特征标签，从预置广告生成策略中匹配目标广告生成策略；通过目标广告生成策略生成目标理财广告，目标理财广告包括理财产品信息、广告图片信息和广告文本信息。为了实现对不同财富状况的账户推送不同的理财广告，服务器再预先配置好的预置广告生成策略中匹配财富状况信息和财富特征标签对应的目标广告生成策略，目标广告生成策略用于指示目标理财广告所要投放的理财产品信息、广告图片信息和广告文本信息等广告投放参数，服务器根据目标广告生成策略生成目标理财广告，以使得目标账户终端接收目标理财广告并进行展示。Specifically,
本发明实施例中，由于流动资金能够反映目标账户的真实财富状况，因此，为了准确地分析目标账户的消费水平，根据目标账户的交易数据中的消费金额信息和消费对象信息进行消费类型分类，得到目标消费类型的目标消费记录，再结合现金流数据对目标账户进行现金流充裕程度定级，得到目标账户的现金流充裕等级，除了流动资金能够反映目标账户的真实财富状况之外，固有资产也能够反映目标账户的真实财富状况，因此，服务器结合目标账户的资产配置信息和现金流充裕等级确定目标账户的财富状况信息，再结合大数据生成的财富特征标签，生成目标理财广告。本发明可以提高理财广告生成的精准度。In the embodiment of the present invention, since the working capital can reflect the real wealth status of the target account, in order to accurately analyze the consumption level of the target account, the consumption type is classified according to the consumption amount information and the consumption object information in the transaction data of the target account, Obtain the target consumption record of the target consumption type, and then combine the cash flow data to grade the cash flow adequacy of the target account, and obtain the cash flow adequacy level of the target account. It can also reflect the real wealth status of the target account. Therefore, the server determines the wealth status information of the target account based on the asset allocation information and the cash flow abundance level of the target account, and then combines the wealth feature tags generated by big data to generate the target wealth management advertisement. The present invention can improve the precision of financial advertisement generation.
上面对本发明实施例中理财广告的生成方法进行了描述，下面对本发明实施例中理财广告的生成装置进行描述，请参阅图3，本发明实施例中理财广告的生成装置一个实施例包括：The method for generating a wealth management advertisement in the embodiment of the present invention has been described above. The following describes the device for generating a wealth management advertisement in the embodiment of the present invention. Please refer to FIG. 3 . An embodiment of the device for generating a wealth management advertisement in the embodiment of the present invention includes:
分类模块301，用于获取目标账户的交易数据，并对所述交易数据进行消费类型分类，得到目标消费类型的目标消费记录；A
定级模块302，用于获取所述目标账户的现金流数据，并根据所述现金流数据和所述目标消费类型的目标消费记录确定所述目标账户的现金流充裕等级；A
确定模块303，用于获取所述目标账户的资产配置信息，并根据所述资产配置信息和所述现金流充裕等级确定所述目标账户的财富状况信息；A
生成模块304，用于通过预置的用户画像数据，生成所述目标账户的财富特征标签；The
输出模块305，用于基于所述财富状况信息和所述财富特征标签，生成目标理财广告。The
进一步地，将目标理财广告存储于区块链数据库中，具体此处不做限定。Further, the targeted financial management advertisements are stored in the blockchain database, which is not specifically limited here.
本发明实施例中，由于流动资金能够反映目标账户的真实财富状况，因此，为了准确地分析目标账户的消费水平，对目标账户的交易数据进行消费类型分类，得到目标消费类型的目标消费记录，再结合现金流数据对目标账户进行现金流充裕程度定级，得到目标账户的现金流充裕等级，除了流动资金能够反映目标账户的真实财富状况之外，固有资产也能够反映目标账户的真实财富状况，因此，服务器结合目标账户的资产配置信息和现金流充裕等级确定目标账户的财富状况信息，再结合大数据生成的财富特征标签，生成目标理财广告。本发明可以提高理财广告生成的精准度。In the embodiment of the present invention, since the current capital can reflect the real wealth status of the target account, in order to accurately analyze the consumption level of the target account, the transaction data of the target account is classified by consumption type, and the target consumption record of the target consumption type is obtained, Then combine the cash flow data to grade the cash flow adequacy of the target account, and get the cash flow adequacy level of the target account. In addition to the working capital that can reflect the real wealth status of the target account, the inherent assets can also reflect the real wealth status of the target account. , therefore, the server determines the wealth status information of the target account in combination with the asset allocation information and the cash flow abundance level of the target account, and then combines the wealth feature tags generated by the big data to generate the target financial management advertisement. The present invention can improve the precision of financial advertisement generation.
请参阅图4，本发明实施例中理财广告的生成装置的另一个实施例包括：Referring to FIG. 4 , another embodiment of the apparatus for generating wealth management advertisements in the embodiment of the present invention includes:
分类模块301，用于获取目标账户的交易数据，并对所述交易数据进行消费类型分类，得到目标消费类型的目标消费记录；A
定级模块302，用于获取所述目标账户的现金流数据，并根据所述现金流数据和所述目标消费类型的目标消费记录确定所述目标账户的现金流充裕等级；A
确定模块303，用于获取所述目标账户的资产配置信息，并根据所述资产配置信息和所述现金流充裕等级确定所述目标账户的财富状况信息；A
生成模块304，用于通过预置的用户画像数据，生成所述目标账户的财富特征标签；The
输出模块305，用于基于所述财富状况信息和所述财富特征标签，生成目标理财广告。The
可选的，所述分类模块301包括：Optionally, the
获取单元3011，用于获取目标账户在预置时段内的交易数据，并提取所述交易数据中的初始消费数据；The obtaining
筛选单元3012，用于基于所述初始消费数据中的消费金额信息和消费对象信息，对所述初始消费数据进行数据筛选，得到目标消费数据；A
分类单元3013，用于对所述目标消费数据进行消费类型分类，得到目标消费类型的目标消费记录。The
可选的，所述分类单元3013具体用于：Optionally, the
获取预置的消费类型关键词，所述消费类型关键词包括每个消费类型对应的关键词集合；Obtain preset consumption type keywords, where the consumption type keywords include a keyword set corresponding to each consumption type;
提取所述目标消费数据中每笔消费记录的收款方信息和备注信息，并根据所述消费类型关键词对所述收款方信息和所述备注信息进行消费类型关键词匹配，得到每笔消费记录对应的消费类型信息；Extract the payee information and remark information of each consumption record in the target consumption data, and perform consumption type keyword matching on the payee information and the remark information according to the consumption type keyword, and obtain each transaction The consumption type information corresponding to the consumption record;
根据每笔消费记录对应的消费类型信息，对所述目标消费数据进行目标消费类型筛选，得到目标消费类型的目标消费记录。According to the consumption type information corresponding to each consumption record, the target consumption data is screened by the target consumption type to obtain the target consumption record of the target consumption type.
可选的，所述定级模块302具体用于：Optionally, the
对所述目标消费记录进行预置时段内的消费均值计算，得到平均消费金额信息；Calculate the average consumption value within a preset time period on the target consumption record to obtain information on the average consumption amount;
根据所述目标账户的活期账户信息，计算所述目标账户的现金流数据；Calculate the cash flow data of the target account according to the current account information of the target account;
通过所述现金流数据和所述平均消费金额信息计算现金流充裕程度比值，并通过所述现金流充裕程度比值确定所述目标账户的现金流充裕等级。The cash flow adequacy ratio is calculated according to the cash flow data and the average consumption amount information, and the cash flow adequacy level of the target account is determined according to the cash flow adequacy ratio.
可选的，所述确定模块303具体用于：Optionally, the determining
获取所述目标账户的贷款数据、理财数据和信用卡持有数据，通过所述贷款数据、所述理财数据和所述信用卡持有数据，生成资产配置信息；Obtain loan data, wealth management data and credit card holding data of the target account, and generate asset allocation information through the loan data, wealth management data and credit card holding data;
对所述资产配置信息和所述现金流充裕等级进行财富状况分类处理，得到所述目标账户的财富状况信息。Perform wealth status classification processing on the asset allocation information and the cash flow adequacy level to obtain wealth status information of the target account.
可选的，所述生成模块304具体用于：Optionally, the
读取预置的用户画像数据，并提取所述用户画像数据中的用户基本属性标签和消费行为标签；reading preset user portrait data, and extracting user basic attribute labels and consumption behavior labels in the user portrait data;
对所述用户基本属性标签和所述消费行为标签进行财富特征识别，得到财富特征信息；Perform wealth feature identification on the user basic attribute label and the consumption behavior label to obtain wealth feature information;
基于所述财富特征信息，通过预置的标签生成策略生成所述目标账户的财富特征标签。Based on the wealth feature information, a wealth feature label of the target account is generated through a preset label generation strategy.
可选的，所述输出模块305具体用于：Optionally, the
基于所述财富状况信息和所述财富特征标签，从预置广告生成策略中匹配目标广告生成策略；Based on the wealth status information and the wealth feature label, matching a target advertisement generation strategy from a preset advertisement generation strategy;
通过所述目标广告生成策略生成目标理财广告，所述目标理财广告包括理财产品信息、广告图片信息和广告文本信息。The target financial management advertisement is generated through the target advertisement generation strategy, and the target financial management advertisement includes financial product information, advertisement picture information and advertisement text information.
本发明实施例中，由于流动资金能够反映目标账户的真实财富状况，因此，为了准确地分析目标账户的消费水平，根据目标账户的交易数据中的消费金额信息和消费对象信息进行消费类型分类，得到目标消费类型的目标消费记录，再结合现金流数据对目标账户进行现金流充裕程度定级，得到目标账户的现金流充裕等级，除了流动资金能够反映目标账户的真实财富状况之外，固有资产也能够反映目标账户的真实财富状况，因此，服务器结合目标账户的资产配置信息和现金流充裕等级确定目标账户的财富状况信息，再结合大数据生成的财富特征标签，生成目标理财广告。本发明可以提高理财广告生成的精准度。In the embodiment of the present invention, since the working capital can reflect the real wealth status of the target account, in order to accurately analyze the consumption level of the target account, the consumption type is classified according to the consumption amount information and the consumption object information in the transaction data of the target account, Obtain the target consumption record of the target consumption type, and then combine the cash flow data to grade the cash flow adequacy of the target account, and obtain the cash flow adequacy level of the target account. It can also reflect the real wealth status of the target account. Therefore, the server determines the wealth status information of the target account based on the asset allocation information and the cash flow abundance level of the target account, and then combines the wealth feature tags generated by big data to generate the target wealth management advertisement. The present invention can improve the precision of financial advertisement generation.
上面图3和图4从模块化功能实体的角度对本发明实施例中的理财广告的生成装置进行详细描述，下面从硬件处理的角度对本发明实施例中理财广告的生成设备进行详细描述。3 and 4 above describe in detail the device for generating wealth management advertisements in the embodiment of the present invention from the perspective of modular functional entities, and the following describes the device for generating wealth management advertisements in embodiments of the present invention in detail from the perspective of hardware processing.
图5是本发明实施例提供的一种理财广告的生成设备的结构示意图，该理财广告的生成设备500可因配置或性能不同而产生比较大的差异，可以包括一个或一个以上处理器(central processing units，CPU)510(例如，一个或一个以上处理器)和存储器520，一个或一个以上存储应用程序533或数据532的存储介质530(例如一个或一个以上海量存储设备)。其中，存储器520和存储介质530可以是短暂存储或持久存储。存储在存储介质530的程序可以包括一个或一个以上模块(图示没标出)，每个模块可以包括对理财广告的生成设备500中的一系列计算机程序操作。更进一步地，处理器510可以设置为与存储介质530通信，在理财广告的生成设备500上执行存储介质530中的一系列计算机程序操作。5 is a schematic structural diagram of a device for generating wealth management advertisements according to an embodiment of the present invention. The
理财广告的生成设备500还可以包括一个或一个以上电源540，一个或一个以上有线或无线网络接口550，一个或一个以上输入输出接口560，和/或，一个或一个以上操作系统531，例如Windows Serve，Mac OS X，Unix，Linux，FreeBSD等等。本领域技术人员可以理解，图5示出的理财广告的生成设备结构并不构成对理财广告的生成设备的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。The financial
本发明还提供一种计算机设备，所述计算机设备包括存储器和处理器，存储器中存储有计算机可读计算机程序，计算机可读计算机程序被处理器执行时，使得处理器执行上述各实施例中的所述理财广告的生成方法的步骤。The present invention also provides a computer device, the computer device includes a memory and a processor, and a computer-readable computer program is stored in the memory. When the computer-readable computer program is executed by the processor, the processor causes the processor to execute the above-mentioned embodiments. The steps of the generating method of the financial advertisement.
本发明还提供一种计算机可读存储介质，该计算机可读存储介质可以为非易失性计算机可读存储介质，该计算机可读存储介质也可以为易失性计算机可读存储介质，所述计算机可读存储介质中存储有计算机程序，当所述计算机程序在计算机上运行时，使得计算机执行所述理财广告的生成方法的步骤。The present invention also provides a computer-readable storage medium. The computer-readable storage medium may be a non-volatile computer-readable storage medium. The computer-readable storage medium may also be a volatile computer-readable storage medium. A computer program is stored in the computer-readable storage medium, and when the computer program runs on a computer, the computer executes the steps of the method for generating a financial advertisement.
进一步地，所述计算机可读存储介质可主要包括存储程序区和存储数据区，其中，存储程序区可存储操作系统、至少一个功能所需的应用程序等；存储数据区可存储根据区块链节点的使用所创建的数据等。Further, the computer-readable storage medium may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required by at least one function, and the like; The data created by the use of the node, etc.
本发明所指区块链是分布式数据存储、点对点传输、共识机制、加密算法等计算机技术的新型应用模式。区块链(Blockchain)，本质上是一个去中心化的数据库，是一串使用密码学方法相关联产生的数据块，每一个数据块中包含了一批次网络交易的信息，用于验证其信息的有效性(防伪)和生成下一个区块。区块链可以包括区块链底层平台、平台产品服务层以及应用服务层等。The blockchain referred to in the present invention is a new application mode of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanism, and encryption algorithm. Blockchain, essentially a decentralized database, is a series of data blocks associated with cryptographic methods. Each data block contains a batch of network transaction information to verify its Validity of information (anti-counterfeiting) and generation of the next block. The blockchain can include the underlying platform of the blockchain, the platform product service layer, and the application service layer.
所属领域的技术人员可以清楚地了解到，为描述的方便和简洁，上述描述的系统，装置和单元的具体工作过程，可以参考前述方法实施例中的对应过程，在此不再赘述。Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working process of the system, device and unit described above may refer to the corresponding process in the foregoing method embodiments, which will not be repeated here.
所述集成的单元如果以软件功能单元的形式实现并作为独立的产品销售或使用时，可以存储在一个计算机可读取存储介质中。基于这样的理解，本发明的技术方案本质上或者说对现有技术做出贡献的部分或者该技术方案的全部或部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质中，包括若干计算机程序用以使得一台计算机设备(可以是个人计算机，服务器，或者网络设备等)执行本发明各个实施例所述方法的全部或部分步骤。而前述的存储介质包括：U盘、移动硬盘、只读存储器(read-onlymemory，ROM)、随机存取存储器(random access memory，RAM)、磁碟或者光盘等各种可以存储程序代码的介质。The integrated unit, if implemented in the form of a software functional unit and sold or used as an independent product, may be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention is essentially or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium , including several computer programs for making a computer device (which may be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of the present invention. The aforementioned storage medium includes: U disk, removable hard disk, read-only memory (ROM), random access memory (RAM), magnetic disk or optical disk and other media that can store program codes.
以上所述，以上实施例仅用以说明本发明的技术方案，而非对其限制；尽管参照前述实施例对本发明进行了详细的说明，本领域的普通技术人员应当理解：其依然可以对前述各实施例所记载的技术方案进行修改，或者对其中部分技术特征进行等同替换；而这些修改或者替换，并不使相应技术方案的本质脱离本发明各实施例技术方案的精神和范围。As mentioned above, the above embodiments are only used to illustrate the technical solutions of the present invention, but not to limit them; although the present invention has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand: The technical solutions described in the embodiments are modified, or some technical features thereof are equivalently replaced; and these modifications or replacements do not make the essence of the corresponding technical solutions depart from the spirit and scope of the technical solutions of the embodiments of the present invention.
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