CN105260938A - Intelligent financial management method and device - Google Patents
Intelligent financial management method and device Download PDFInfo
- Publication number
- CN105260938A CN105260938A CN201510713656.2A CN201510713656A CN105260938A CN 105260938 A CN105260938 A CN 105260938A CN 201510713656 A CN201510713656 A CN 201510713656A CN 105260938 A CN105260938 A CN 105260938A
- Authority
- CN
- China
- Prior art keywords
- money
- finance product
- amount
- financing
- demand deposit
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention provides an intelligent financial management method and device. The method comprises a step of reading the authentication information of a client to obtain an authentication client which is a client who signs a contract to purchase a financial management product, wherein the authentication information comprises a financial management condition, a step of obtaining the circulating fund and financial management condition of the authentication client, wherein the circulating fund is the available fund of the authentication client and at least comprises demand deposit, and the gain of the financial management product is higher than that of the demand deposit, a step of calculating the advance purchase amount of the financial management product according to the circulating fund of the authentication client, the financial management condition and the purchase condition of the financial management product and using the circulating fund of the authentication client to purchase the financial management product. According to the method and the device, a corresponding financial management product is used to flexibly carry out effective financial management on the demand deposit of the client, and while the use of the user is satisfied, the client is assisted to maximize revenue.
Description
Technical field
The present invention relates to finance data processing technology field, particularly relate to a kind of intelligent financing method and device.
Background technology
The interest rate of current demand deposit is lower, and due to time relationship or finance sense weakness, a sum of money is carried out demand deposit by many clients for a long time, so, just can not enjoy higher income.In addition, when the user of demand deposit is many, the number of these demand deposits is huger, and these funds can effectively not utilize by corresponding product neatly at present.Can manage money matters to the deposit of current so be badly in need of some products, to assist client's maximize revenue.
Summary of the invention
In view of this, be necessary to provide a kind of intelligent financing method and device to manage money matters to the deposit of client's current, to assist client's maximize revenue in fact.
A kind of intelligent financing method, described method comprises the steps:
The authentication information reading client obtains authenticates consumer, and described authenticates consumer is the signing client buying finance product, and described authentication information comprises financing condition;
Obtain circulating capital and the financing condition of described authenticates consumer, described circulating capital is the current available funds of authenticates consumer, and described circulating capital at least comprises demand deposit, and the income of described finance product is higher than the income of described demand deposit; And
Purchase condition according to the circulating capital of described authenticates consumer, financing condition, finance product calculates the forward purchasing amount of money can buying finance product, and utilizes the circulating capital of described authenticates consumer to buy described finance product.
A kind of intelligence financing device comprises authentication module, acquisition module and financing module.Authentication module, obtains authenticates consumer for the authentication information reading client, and described authenticates consumer is the signing client buying finance product, and described authentication information comprises financing condition.Acquisition module, for obtaining circulating capital and the financing condition of described authenticates consumer, circulating capital is authenticates consumer available funds, and circulating capital at least comprises demand deposit; The income of described finance product is higher than the income of demand deposit.Financing module, the purchase condition for the circulating capital according to described authenticates consumer, financing condition, finance product calculates the forward purchasing amount of money can buying finance product, and utilizes the circulating capital of described authenticates consumer to buy described finance product.
The demand deposit of client is effectively managed money matters by the present invention's corresponding finance product neatly, is meeting assistance client maximize revenue while user uses.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme in the embodiment of the present invention, below the accompanying drawing used required in describing embodiment is briefly described, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is the intelligent financing method process flow diagram of the first embodiment.
Fig. 2-Fig. 4 is the intelligent financing method process flow diagram of the second embodiment.
Fig. 5 is the intelligent financing method process flow diagram of the 3rd embodiment.
Fig. 6 is the sub-process figure of step S404 shown in Fig. 5.
Fig. 7 is the functional block diagram of the intelligence financing device of the first embodiment.
Fig. 8 is the functional block diagram of the intelligence financing device of the second embodiment.
Fig. 9 is the functional block diagram of the intelligence financing device of the 3rd embodiment.
Embodiment
For making the object, technical solutions and advantages of the present invention clearly, below in conjunction with accompanying drawing, embodiment of the present invention is described further in detail.
Please refer to Fig. 1, it is the intelligent financing method process flow diagram of the first embodiment.This intelligent financing method is applied in financial sector platform, such as, and banking system platform, e-commerce system platform, Third-party payment platform etc.Financial sector platform can carry out demand deposit for client also can provide various finance product.The income of finance product is greater than the income of demand deposit.Particularly, intelligent financing method comprises the steps.
Step S101, judges whether the query time arriving finance product.If arrive the query time of finance product, perform step S101, otherwise, perform step S101.Particularly, this query time can be certain time point, some time period or time the cycle.This query time is sale time or the cycle of finance product.The query time of finance product can be the sale time of any one finance product.
Step S102, the authentication information reading client obtains authenticates consumer, and described authenticates consumer is the signing client buying this finance product.The authentication information of client comprises the age information of client, the risk of client evaluates and tests information, client contracts and buys the information etc. of finance product.In the present embodiment, authenticates consumer is signing have purchased regularly and the client of the finance product of current.This authentication information is arranged by client.Client represents by account (ID), can be identification card number, phone number, E-mail address number or name on account etc.The corresponding unique account of client.Particularly, the method provides corresponding user interface to input authentication information for client, and preserves to the authentication information of client the setting reaching authentication information.The age information of client is preferably set to 18 ~ 65 but is not limited in this.
The risk evaluation and test information of client represents that client manages money matters the hobby of risk, the finance product that so can be applicable to corresponding types lead referral according to the risk evaluation and test information of client.The type of client can be divided into conservative type, balance sane type, proactive type etc.If client is conservative type, be then the finance product that lead referral risk is lower.If the type of client is proactive type, be then the lead referral risk factor finance product that higher, income is larger comparatively speaking, as fund etc.
Client contracts and buys the information of finance product and comprise signing finance product and financing condition.Client is signing buys that finance product can also carry out suspending, activates, terminates an agreement, amendment etc.Finance product comprises regular finance product and current finance product.The kind of current finance product can be one or more; The kind of regular finance product can be one or more.Finance product also has purchase condition in certain embodiments, such as, and time limit, income but be not limited only to this.In the present embodiment, a client only can buy a kind of current finance product.The income of current finance product higher than demand deposit income but lower than the income of regular finance product.The financing condition of finance product comprises the income condition, time limit condition etc. of retaining the current amount of money, finance product.Particularly, income condition is the numerical value of revenue, represents that client only buys the finance product higher than this income.Time limit condition is the time limit of regular finance product.The financing condition of finance product can, by user's free setting in condition and range, also can be the condition of acquiescence.Retain the current amount of money and represent that client needs the minimum circulating capital retained.
Step S103, obtains circulating capital and the financing condition of authenticates consumer.This finance product can be current finance product also can be regular finance product.The circulating capital of authenticates consumer is the current available funds of authenticates consumer.In the present embodiment, this circulating capital is demand deposit.
Step S104, whether the purchase condition judgment authenticates consumer according to the circulating capital of authenticates consumer and financing condition, finance product can buy this finance product.If this finance product can be bought, perform step S105; If cannot buy finance product, flow process terminates.
Step S105, calculates the forward purchasing amount of money can buying this finance product according to the purchase condition of finance product, the circulating capital of authenticates consumer and financing condition.
Step S106, buys this finance product according to the circulating capital of this authenticates consumer and the described forward purchasing amount of money.Specifically, described demand deposit can be utilized to buy this finance product.
In certain embodiments, the purchase condition of current finance product that client contracts further comprises the highest purchase amount of money every day, every day the highest redemption money.Under this kind of condition being described with specific embodiment below, this intelligent financing method realizes the process flow diagram of financing.
Please refer to Fig. 2-Fig. 4, it is the intelligent financing method process flow diagram of the second embodiment.In the present embodiment, circulating capital is the redeemable amount of money of demand deposit and current finance product.This finance product is current finance product.In some current finance products, some current finance product has the highest purchase amount of money and/or the highest redemption money every day two kinds of purchase conditions every day.This intelligent financing method comprises the steps.
Step S201, judges whether the query time arriving finance product.This query time preset can be certain time point, some time period or time cycle.This finance product is current finance product.If arrive, perform step S202, otherwise perform step S201.
Step S202, inquires about the authentication information of client and obtains authenticates consumer.
Step S203, the demand deposit of acquisition authenticates consumer and client have bought the amount of money of finance product.Particularly, to have bought the finance product amount of money can be 0 or be greater than 0.
Step S204, judges whether current finance product has the highest purchase amount of money.If current finance product has the highest purchase amount of money, perform step S205; If current finance product does not have the highest purchase amount of money, perform step S219.
Step S205, judges whether the current finance product that authenticates consumer has been bought reaches the highest purchase amount of money, if reach, flow process terminates.If also do not reach, perform step S206.
Step S206, judges whether current finance product has the highest redemption money.If current finance product has the highest redemption money, perform step S207, otherwise perform step S208.
Step S207, judges whether the retention current amount of money of authenticates consumer is greater than the highest redemption money.If be greater than, perform step S211; If be less than or equal to the highest redemption money time, perform step S208.
Step S208, judges whether demand deposit is greater than residue and buys the amount of money, and it is the difference that the highest purchase amount of money and authenticates consumer have bought the amount of money of current finance product that this residue buys the amount of money.If be not more than, perform step S209; Otherwise, perform step S210.
Step S209, whole demand deposits of authenticates consumer are for buying this current finance product and preserving the purchase information buying this current finance product.
Step S210, buys this current finance product and preserves the purchase information buying this current finance product, and this purchase amount of money buys the amount of money for remaining.
Step S211, judges whether the amount of money buying current finance product of authenticates consumer is greater than the highest redemption money, if be not more than, performs step S212; If be greater than, perform step S216.
Step S212, judges whether demand deposit is less than or equal to the difference that the highest redemption money and authenticates consumer have bought the amount of money of finance product.If be less than or equal to, perform step S208.If be greater than, perform step S213.
Step S213, judges whether this difference is less than residue and buys the amount of money.If be not less than, perform step S210; If be less than, perform step S214.
Step S214, buy current finance product and preserve the information buying current finance product, this purchase amount of money is this difference.
Step S215, judges whether demand deposit and the highest redemption money sum are greater than the retention amount of money.If be greater than, perform step S216; Otherwise flow process terminates.
Step S216, calculates the forward purchasing amount of money of current finance product, and this forward purchasing amount of money is demand deposit-(retaining the current amount of money-the highest redemption money).
Step S217, judges whether the forward purchasing amount of money is greater than or equal to residue and buys the amount of money, and it is the difference that the highest purchase amount of money and authenticates consumer have bought the amount of money of current finance product that this residue buys the amount of money.Step S210 is performed if be greater than or equal to; Then perform step S218 if not.
Step S218, buy this current finance product and preserve the purchase information buying current finance product, this purchase amount of money is this forward purchasing amount of money.Flow process terminates.
Step S219, judges whether finance product has the highest redemption money, if having the highest redemption money, performs step S220, otherwise performs step S209.
Step S220, judges whether the retention current amount of money of authenticates consumer is greater than the highest redemption money, if be greater than, performs step S221; Otherwise, perform step S209.
Step S221, judges whether the amount of money that authenticates consumer has bought current finance product is greater than the highest redemption money.If so, then perform step S225, if not, perform step S222.
Step S222, judges whether demand deposit is less than the difference that the highest redemption money and authenticates consumer have bought the amount of money of finance product.If perform step S209, otherwise, perform step S223.
Step S223, buys this current finance product, and this purchase amount of money is difference.
Step S224, judges whether demand deposit and the highest redemption money are more than or equal to and retains the current amount of money, perform step S225, otherwise flow process terminates if be greater than.
Step S225, calculates the forward purchasing amount of money of current finance product, and this forward purchasing amount of money is demand deposit-(retaining the current amount of money-the highest redemption money).
Step S226, buys this current finance product, and this purchase amount of money is this forward purchasing amount of money.
Understandably, in the above-described embodiment, be that the highest purchase amount of money and the highest redemption money carry out arranging with the purchase condition of current finance product.In other embodiments, purchase condition can only include wherein one, therefore, can delete above-mentioned steps.
In certain embodiments, the finance product that this platform provides is regular finance product, and this circulating capital further comprises current finance product, and the purchase condition of this current finance product further comprises the highest purchase amount of money every day, every day the highest redemption money.Under this kind of condition being described with specific embodiment below, this intelligent financing method realizes the process flow diagram of financing.
Please refer to Fig. 5, it is the intelligent financing method process flow diagram of the 3rd embodiment.This circulating capital further comprises current finance product, and the purchase condition of this current finance product further comprises the highest redemption money every day.
Step S401, judges whether the query time arriving finance product.This query time preset can be certain time point, some time period or time cycle.This current finance product is regular finance product, and the purchase condition of this regular finance product comprises the minimum purchase amount of money and the highest purchase amount of money.If reach, perform step S402, otherwise perform step S401.
Step S402, inquires about the authentication information of client and obtains authenticates consumer.
Step S403, obtains the financing condition of authenticates consumer, buys the current finance product amount of money and demand deposit.Particularly, to have bought the finance product amount of money can be 0 or be greater than 0.
Step S404, according to the financing condition of authenticates consumer, the purchase condition buying the current finance product amount of money and demand deposit and regular finance product, screens and preserves the target customer that can buy this finance product.This target customer is kept in an inventory to represent the authenticates consumer can buying this regular finance product.
Step S405, pushes this regular finance product to target customer and inputs purchase instruction for target customer, to choose this regular finance product.
Whether step S406, receive the purchase instruction of target customer.If receive, perform step S407; Otherwise perform step S412.
Step S407, according to the demand deposit of target customer and the purchase condition of the redeemable amount of money and the regular finance product of target, calculates the forward purchasing amount of money.Particularly, such as, this regular finance product has the highest purchase amount of money, then purchasing the amount of money in advance can be demand deposit and the difference between the redeemable amount of money and Maximum Amount.This forward purchasing amount of money also can be set by client oneself.
Step S408, judges whether the demand deposit of target customer is more than or equal to the forward purchasing amount of money.If be greater than or equal to, perform step S410; Otherwise, perform step S409.
Step S409, from the current finance product of target customer, redemption money is as demand deposit, and the amount of money of redemption equals this forward purchasing amount of money and deducts demand deposit.
Step S410, utilizes the demand deposit of target customer to buy this regular finance product and preserves the purchase information buying regular finance product.
Whether step S411, arrive the stand-by period.In the present embodiment, the stand-by period is 5 minutes.If arrive, perform step S412, otherwise, perform step S411.
Step S412, deletes this target customer.
Incorporated by reference to referring to Fig. 6, particularly, step S404 comprises following sub-step:
Step S501, according to the demand deposit of authenticates consumer and the total value of the redeemable amount of money of current finance product and the minimum purchase amount of money of often kind of regular finance product sold, obtains the client with purchasing power.Particularly, the total value of the demand deposit of each authenticates consumer and the redeemable amount of money of current finance product is compared one by one with the minimum purchase amount of money of the regular finance product sold, if the total value of the demand deposit of authenticates consumer and the redeemable amount of money of current finance product is higher than the minimum purchase amount of money of any one the regular finance product sold, then this authenticates consumer is the client with purchasing power.Otherwise if the total value of the demand deposit of authenticates consumer and the redeemable amount of money of current finance product is lower than the minimum purchase amount of money of all regular finance product sold, this authenticates consumer is the client without purchasing power.The client with purchasing power is target customer.
Step S502, calculates the current remaining sum of target customer.The redeemable amount of money of current remaining sum=demand deposit+current finance product-retention current amount of money.
Step S503, goes out this target customer by the minimum purchase sum analysis of regular finance product of the current remaining sum of target customer and the financing condition that meets this target customer.
Automatically be lead referral according to the financing condition of authenticates consumer and the purchase condition of finance product itself from above-mentioned intelligent financing method or buy income higher than the finance product of demand deposit income, from making client's maximize revenue.
Please refer to Fig. 7, it is the functional block diagram of the intelligent finance product device 100 of the first embodiment.This intelligence financing device 100 comprises time management module 110, authentication module 120, acquisition module 130 and financing module 140.
Time management module 110, for judging whether the query time arriving finance product.Particularly, this query time can be in certain time point, some time period or time cycle.This query time is sale time or the cycle of one or more finance products.
Authentication module 120, if the query time for arriving finance product, the authentication information reading client obtains authenticates consumer.In the present embodiment, authenticates consumer is signing purchase to the client of finance product.
Acquisition module 130, for obtaining circulating capital and the financing condition of authenticates consumer.In the present embodiment, the circulating capital of this authenticates consumer is demand deposit.
Financing module 140, for calculating according to the purchase condition of the circulating capital of described authenticates consumer and financing condition, finance product the forward purchasing amount of money can buying finance product, and utilizes the circulating capital of described authenticates consumer to buy described finance product.Particularly, module 140 of managing money matters comprises judging unit 51, computing unit 52, buys unit 53.
Whether judging unit 51, for buying this finance product according to the purchase condition judgment authenticates consumer of the circulating capital of authenticates consumer and financing condition, finance product.
Computing unit 52, if can buy this finance product for fruit authenticates consumer, calculates the forward purchasing amount of money can buying this finance product according to the purchase condition of finance product, the circulating capital of authenticates consumer and financing condition.
Buy unit 53, buy this finance product according to the circulating capital of this authenticates consumer and the described forward purchasing amount of money.Specifically, described demand deposit can be utilized to buy this finance product.
In certain embodiments, the purchase condition of current finance product that client contracts further comprises the highest purchase amount of money every day, every day the highest redemption money.The financing condition of authenticates consumer comprises retains the current amount of money.Under this kind of condition being described with specific embodiment below, the functional structure of this intelligence financing device.
Please refer to Fig. 8, it is the functional block diagram of the intelligence financing device of the second embodiment.In a second embodiment, finance product is current finance product.This intelligence financing device 200 comprises time management module 210, authentication module 220, acquisition module 230, financing module 240.
Time management module 210, arrives finance product query time for judging whether.This first query time preset can be certain time point, some time period or time cycle.This query time is sale time or the cycle of this finance product.In the present embodiment, this finance product is current product.
Authentication module 220, for inquiring about the authentication information of client and obtaining authenticates consumer, this authenticates consumer is the signing client that have purchased this current finance product.
Acquisition module 230, for obtaining the financing condition of the demand deposit of authenticates consumer, the current finance product amount of money that authenticates consumer has been bought, authenticates consumer.In the present embodiment, financing condition comprises retains the current amount of money.
Financing module 240, utilizes the demand deposit of authenticates consumer to buy current finance product.Particularly, module 240 of managing money matters comprises judging unit 241, computing unit 242, comparing unit 243 and buys unit 244.
Judging unit 241, for judging whether current finance product has the highest purchase amount of money and the highest redemption money.When judging unit 241 judge this current finance product have the highest purchase amount of money and the highest redemption money time, judge whether authenticates consumer can buy this current finance product further.Particularly, when the amount of money of this current finance product of purchase of authenticates consumer has reached the retention amount of money that the demand deposit of the highest purchase amount of money or this authenticates consumer and redeemable amount of money sum be less than authenticates consumer, this authentication user ability does not buy this current product.
Computing unit 242, when buying this current finance product ability for having when authenticates consumer, calculates the forward purchasing amount of money and the residue purchase amount of money.When the demand deposit of this authenticates consumer and redeemable amount of money sum be greater than the retention amount of money of authenticates consumer and this redeemable amount of money for the highest redemption money time, the forward purchasing amount of money for this forward purchasing amount of money be demand deposit-(retaining the current amount of money-the highest redemption money).When the demand deposit of this authenticates consumer and redeemable amount of money sum be greater than the retention amount of money of authenticates consumer and this redeemable amount of money be not this highest redemption money time, the forward purchasing amount of money is the difference that the highest redemption money and authenticates consumer buy the amount of money of current finance product.
Whether comparing unit 243, be also greater than this residue purchase amount of money for comparing this forward purchasing amount of money.
Buy unit 244, also for when purchasing the amount of money in advance and being greater than this residue purchase amount of money, from demand deposit, extraction residue is bought the amount of money and is bought this current finance product.When the forward purchasing amount of money is less than this residue purchase amount of money, the amount of money should be purchased in advance from the extraction of current financing product and buy this current finance product.
In certain embodiments, the finance product that this platform provides is regular finance product, and this circulating capital further comprises current finance product, and the purchase condition of this current finance product further comprises the highest purchase amount of money every day, every day the highest redemption money.Under this kind of condition being described with specific embodiment below, this intelligent financing method realizes the process flow diagram of financing.
Please refer to Fig. 9, it is the functional block diagram of the intelligent finance product device 300 of the 3rd embodiment.In the present embodiment, finance product is regular finance product.This intelligence financing device 300 comprises time management module 310, authentication module 320, acquisition module 330, financing module 340.
Time management module 310, arrives finance product query time for judging whether.This first query time preset can be certain time point, some time period or time cycle.This query time is sale time or the cycle of this finance product.In the present embodiment, this finance product is regular finance product.
Authentication module 320, for inquiring about the authentication information of client and obtaining authenticates consumer, this authenticates consumer is the signing client that have purchased this regular finance product.
Acquisition module 330, for obtaining the demand deposit of authenticates consumer, authenticates consumer has bought the amount of money of current finance product, the purchase condition of the financing condition of authenticates consumer and regular finance product.In the present embodiment, financing condition comprises retains the current amount of money.
Financing module 340, utilizes the demand deposit of authenticates consumer to buy current finance product.Particularly, module 340 of managing money matters comprises screening unit 341, push unit 342, judging unit 343, computing unit 344, buys unit 345, timing unit 346 and delete cells 347.
Screening unit 341, for the financing condition according to authenticates consumer, the purchase condition buying the current finance product amount of money and demand deposit and regular finance product, screens and preserves the target customer that can buy this finance product.This target customer is kept in an inventory to represent the authentication can buying this regular finance product.
Push unit 342, inputs purchase instruction for pushing this regular finance product to target customer for target customer, to choose this regular finance product.
Judging unit 343, for judging whether the purchase instruction receiving target customer.
Computing unit 344, for when receiving the purchase instruction of client, according to the demand deposit of target customer and the purchase condition of the redeemable amount of money and the regular finance product of target, calculates the forward purchasing amount of money.Particularly, such as, this regular finance product has the highest purchase amount of money, then purchase the amount of money in advance and can deposit by a definite date and difference between the redeemable amount of money and Maximum Amount.
Judging unit 343, also for judging whether the demand deposit of target customer is more than or equal to the forward purchasing amount of money.
Buy unit 345, during for being greater than or equal to the forward purchasing amount of money when the demand deposit of target customer, utilize demand deposit to buy this regular finance product, and during for being less than this forward purchasing amount of money when the demand deposit of target customer, redeem current finance product as current to buy this regular finance product.Redemption money is the difference of the forward purchasing amount of money and demand deposit.
Timing unit 346, for when pushing this regular finance product, starts timing to judge whether to reach the default stand-by period.
Delete cells 347, for reaching when timing time the purchase instruction that the default stand-by period does not receive target customer yet, deletes this target customer.
Above-mentioned intelligence financing device, can automatically according to the financing condition of authenticates consumer and the purchase condition of finance product itself be lead referral or purchase income higher than the finance product of demand deposit income, from making client's maximize revenue.
The foregoing is only preferred embodiment of the present invention, not in order to limit the present invention, within the spirit and principles in the present invention all, any amendment done, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1. an intelligent financing method, is characterized in that, described method comprises:
The authentication information reading client obtains authenticates consumer, and described authenticates consumer is the signing client buying finance product, and described authentication information comprises financing condition;
Obtain circulating capital and the financing condition of described authenticates consumer, described circulating capital is authenticates consumer available funds, and described circulating capital at least comprises demand deposit, and the income of described finance product is higher than the income of described demand deposit; And
Purchase condition according to the circulating capital of described authenticates consumer, financing condition, finance product calculates the forward purchasing amount of money can buying finance product, and utilizes the circulating capital of described authenticates consumer to buy described finance product.
2. intelligent financing method as claimed in claim 1, it is characterized in that, described circulating capital only comprises demand deposit, described finance product is current finance product, described finance product has the highest redemption money, described financing condition comprises retains the current amount of money, and the purchase condition according to the circulating capital of described authenticates consumer, financing condition, finance product calculates the forward purchasing amount of money can buying finance product, and the step utilizing the circulating capital of described authenticates consumer to buy described finance product comprises:
Calculate the forward purchasing amount of money of described current finance product according to the demand deposit of described authenticates consumer, financing condition and the purchase condition of described current finance product, the highest redemption money of described current finance product, the described forward purchasing amount of money is demand deposit-(retaining the current amount of money-the highest redemption money); And
From described demand deposit, extract the forward purchasing amount of money buy described current finance product.
3. intelligent financing method as claimed in claim 1, it is characterized in that: described circulating capital only comprises demand deposit, described finance product is current finance product, described finance product has the highest purchase amount of money, calculates the forward purchasing amount of money that can buy finance product and the step utilizing the circulating capital of described authenticates consumer to buy described finance product comprises according to the purchase condition of the circulating capital of described authenticates consumer, financing condition, finance product:
Judge whether the amount of money of the described current finance product that authenticates consumer has been bought reaches the highest purchase amount of money;
If the amount of money of the described current finance product that authenticates consumer has been bought reaches the highest purchase amount of money, the amount of money and the highest described purchase volume of the described current finance product bought according to authenticates consumer calculate the described forward purchasing amount of money;
Judge whether described demand deposit is greater than or equal to the described forward purchasing amount of money; And
If described demand deposit is greater than the described forward purchasing amount of money, from described demand deposit, extracts the described forward purchasing amount of money buy described current finance product.
4. intelligent financing method as claimed in claim 1, it is characterized in that: described circulating capital only comprises demand deposit, described finance product is regular finance product, calculates the forward purchasing amount of money that can buy finance product and the step utilizing the circulating capital of described authenticates consumer to buy described finance product comprises according to the purchase condition of the circulating capital of described authenticates consumer, financing condition, finance product:
Purchase condition according to the demand deposit of described authenticates consumer, financing condition, described regular finance product calculates the forward purchasing amount of money can buying described regular finance product;
Judge whether demand deposit is greater than or equal to the forward purchasing amount of money;
If demand deposit is greater than or equal to the forward purchasing amount of money, from demand deposit, extracts the forward purchasing amount of money buy described regular finance product.
5. intelligent financing method as claimed in claim 1, it is characterized in that: described circulating capital only comprises the redeemable amount of money of demand deposit and current finance product, described finance product is regular finance product, the income of described current finance product, lower than described regular finance product, calculates according to the purchase condition of the circulating capital of described authenticates consumer, financing condition, finance product the forward purchasing amount of money that can buy finance product and the step utilizing the circulating capital of described authenticates consumer to buy described finance product comprises:
Purchase condition according to the demand deposit of described authenticates consumer, financing condition, described regular finance product calculates the forward purchasing amount of money can buying described regular finance product;
Judge whether demand deposit is greater than or equal to the forward purchasing amount of money; And
If demand deposit is less than the forward purchasing amount of money, from the redeemable amount of money of demand deposit and current finance product, extracts the forward purchasing amount of money according to the forward purchasing amount of money and buy described regular finance product.
6. an intelligence financing device, is characterized in that: described intelligence financing device comprises:
Authentication module, obtains authenticates consumer for the authentication information reading client, and described authenticates consumer is the signing client buying finance product, and described authentication information comprises financing condition;
Acquisition module, for obtaining circulating capital and the financing condition of described authenticates consumer, circulating capital is authenticates consumer available funds, and circulating capital at least comprises demand deposit, and the income of described finance product is higher than the income of demand deposit; And
Financing module, the purchase condition for the circulating capital according to described authenticates consumer, financing condition, finance product calculates the forward purchasing amount of money can buying finance product, and utilizes the circulating capital of described authenticates consumer to buy described finance product.
7. intelligence financing device as claimed in claim 6, it is characterized in that: described circulating capital only comprises demand deposit, described finance product is current finance product, described finance product has the highest redemption money, described financing condition comprises retains the current amount of money, described acquisition module also obtains the amount of money having bought described finance product, and described financing module comprises:
Judging unit, for judge the described retention amount of money whether be greater than described in the highest redemption money the and whether amount of money of the described current finance product bought reaches the highest redemption money;
Computing unit, for the highest redemption money described in being greater than when the described retention amount of money and the amount of money of the described current finance product bought reach described in the highest redemption money time, the highest redemption money for the demand deposit according to described authenticates consumer, financing condition, described current finance product calculates the forward purchasing amount of money of described current finance product, and the described forward purchasing amount of money is demand deposit-(retaining the current amount of money-the highest redemption money); And
Buying unit, buying described current finance product for extracting the forward purchasing amount of money from demand deposit.
8. intelligence financing device as claimed in claim 6, it is characterized in that: described circulating capital only comprises demand deposit, described finance product is current finance product, described finance product has the highest purchase amount of money, described acquiring unit is also for obtaining the amount of money buying described current finance product, and described financing module comprises:
Computing unit, described computing unit is used for purchase condition according to the circulating capital of described authenticates consumer, financing condition, finance product, buy the amount of money of described current finance product calculates the described forward purchasing amount of money; And
Buy unit, and utilize the circulating capital of described authenticates consumer to buy described finance product.
9. intelligence financing device as claimed in claim 6, it is characterized in that: described circulating capital only comprises demand deposit, described finance product is regular finance product, and described financing module comprises:
Computing unit, the purchase condition for the demand deposit according to described authenticates consumer, financing condition, described regular finance product calculates the forward purchasing amount of money can buying described regular finance product;
Judging unit, for judging whether demand deposit is greater than or equal to the forward purchasing amount of money; And
Buy unit, if be greater than or equal to the forward purchasing amount of money for demand deposit, from demand deposit, extract the forward purchasing amount of money buy described regular finance product.
10. intelligence financing device as claimed in claim 6, it is characterized in that: described circulating capital only comprises the redeemable amount of money of demand deposit and current finance product, described finance product is regular finance product, the income of described current finance product is lower than described regular finance product, and described financing module comprises:
Computing unit, the purchase condition for the redeemable amount of money of the demand deposit according to described authenticates consumer, current finance product, financing condition, described regular finance product calculates the forward purchasing amount of money can buying described regular finance product;
Judging unit, for judging whether demand deposit is greater than or equal to the forward purchasing amount of money; And
Buy unit, for being less than the described forward purchasing amount of money when described demand deposit, from the redeemable amount of money of demand deposit and described current finance product, extracting the forward purchasing amount of money buy described regular finance product.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510713656.2A CN105260938A (en) | 2015-10-28 | 2015-10-28 | Intelligent financial management method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510713656.2A CN105260938A (en) | 2015-10-28 | 2015-10-28 | Intelligent financial management method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105260938A true CN105260938A (en) | 2016-01-20 |
Family
ID=55100613
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510713656.2A Pending CN105260938A (en) | 2015-10-28 | 2015-10-28 | Intelligent financial management method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN105260938A (en) |
Cited By (15)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105930983A (en) * | 2016-05-13 | 2016-09-07 | 中国建设银行股份有限公司 | Banking asset management system |
| WO2017128396A1 (en) * | 2016-01-30 | 2017-08-03 | 杨钰 | Method of managing assets on the basis of account fund amount, and intelligent investment notification system |
| WO2017128394A1 (en) * | 2016-01-30 | 2017-08-03 | 杨钰 | Method of acquiring data on automatic management of assets, and intelligent investment notification system |
| CN107146158A (en) * | 2016-03-01 | 2017-09-08 | 阿里巴巴集团控股有限公司 | A kind of electronic data processing method and device |
| CN107330791A (en) * | 2017-06-14 | 2017-11-07 | 广东网金数据服务有限公司 | Processing method, device and user terminal that a kind of regular financing is redeemed |
| CN107391252A (en) * | 2016-05-16 | 2017-11-24 | 阿里巴巴集团控股有限公司 | A kind of method for processing resource and device |
| CN107871282A (en) * | 2017-11-29 | 2018-04-03 | 上海壹账通金融科技有限公司 | Finance product purchasing method, device, equipment and readable storage medium storing program for executing |
| CN107886433A (en) * | 2017-10-31 | 2018-04-06 | 平安科技（深圳）有限公司 | User's fund monitoring follow-up method, apparatus, equipment and readable storage medium storing program for executing |
| CN108122167A (en) * | 2018-01-11 | 2018-06-05 | 中国银行股份有限公司 | The transaction processing method and device of a kind of finance product |
| CN109447784A (en) * | 2018-10-11 | 2019-03-08 | 依睿迪亚（南京）智能科技有限公司 | A method of above-mentioned market reward is obtained by the automatic purchase strategy of loan point-to-point on secondary market |
| CN109670960A (en) * | 2018-09-26 | 2019-04-23 | 深圳壹账通智能科技有限公司 | Method for pushing, device, equipment and the storage medium of product data |
| CN110458661A (en) * | 2019-08-06 | 2019-11-15 | 深圳市拜特科技股份有限公司 | A kind of method and device carrying out the recommendation of Enterprise Financing scheme according to enterprise's cash flow |
| CN110610425A (en) * | 2018-06-14 | 2019-12-24 | 杭州振牛信息科技有限公司 | Capital processing method and device and computer equipment |
| WO2020000782A1 (en) * | 2018-06-28 | 2020-01-02 | 平安科技（深圳）有限公司 | Financial product recommendation method and apparatus, computer device, and readable storage medium |
| CN112017037A (en) * | 2020-09-02 | 2020-12-01 | 中国银行股份有限公司 | Method and system for pre-purchasing large-amount bank deposit |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070156559A1 (en) * | 1999-11-23 | 2007-07-05 | Wolzenski Bernard H | Financial Planning System |
| CN101216922A (en) * | 2007-12-28 | 2008-07-09 | 中国工商银行股份有限公司 | A system and method for real time ultra-short term financing |
| CN102262803A (en) * | 2011-06-13 | 2011-11-30 | 中国建设银行股份有限公司 | Automatic signing method and device of bank financing products |
| CN102999865A (en) * | 2012-11-16 | 2013-03-27 | 惠州Tcl移动通信有限公司 | Deposit management method and device |
| CN104361520A (en) * | 2014-11-18 | 2015-02-18 | 刘晋峰 | Wealth account establishing and wealth transaction implementation method |
-
2015
- 2015-10-28 CN CN201510713656.2A patent/CN105260938A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070156559A1 (en) * | 1999-11-23 | 2007-07-05 | Wolzenski Bernard H | Financial Planning System |
| CN101216922A (en) * | 2007-12-28 | 2008-07-09 | 中国工商银行股份有限公司 | A system and method for real time ultra-short term financing |
| CN102262803A (en) * | 2011-06-13 | 2011-11-30 | 中国建设银行股份有限公司 | Automatic signing method and device of bank financing products |
| CN102999865A (en) * | 2012-11-16 | 2013-03-27 | 惠州Tcl移动通信有限公司 | Deposit management method and device |
| CN104361520A (en) * | 2014-11-18 | 2015-02-18 | 刘晋峰 | Wealth account establishing and wealth transaction implementation method |
Cited By (18)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2017128396A1 (en) * | 2016-01-30 | 2017-08-03 | 杨钰 | Method of managing assets on the basis of account fund amount, and intelligent investment notification system |
| WO2017128394A1 (en) * | 2016-01-30 | 2017-08-03 | 杨钰 | Method of acquiring data on automatic management of assets, and intelligent investment notification system |
| CN107146158A (en) * | 2016-03-01 | 2017-09-08 | 阿里巴巴集团控股有限公司 | A kind of electronic data processing method and device |
| CN111899110A (en) * | 2016-03-01 | 2020-11-06 | 创新先进技术有限公司 | Electronic data processing method and device |
| CN107146158B (en) * | 2016-03-01 | 2020-08-04 | 阿里巴巴集团控股有限公司 | Electronic data processing method and device |
| CN105930983A (en) * | 2016-05-13 | 2016-09-07 | 中国建设银行股份有限公司 | Banking asset management system |
| CN107391252A (en) * | 2016-05-16 | 2017-11-24 | 阿里巴巴集团控股有限公司 | A kind of method for processing resource and device |
| CN107330791A (en) * | 2017-06-14 | 2017-11-07 | 广东网金数据服务有限公司 | Processing method, device and user terminal that a kind of regular financing is redeemed |
| CN107886433A (en) * | 2017-10-31 | 2018-04-06 | 平安科技（深圳）有限公司 | User's fund monitoring follow-up method, apparatus, equipment and readable storage medium storing program for executing |
| WO2019104874A1 (en) * | 2017-11-29 | 2019-06-06 | 深圳壹账通智能科技有限公司 | Financial product purchasing method, apparatus and device, and readable storage medium |
| CN107871282A (en) * | 2017-11-29 | 2018-04-03 | 上海壹账通金融科技有限公司 | Finance product purchasing method, device, equipment and readable storage medium storing program for executing |
| CN108122167A (en) * | 2018-01-11 | 2018-06-05 | 中国银行股份有限公司 | The transaction processing method and device of a kind of finance product |
| CN110610425A (en) * | 2018-06-14 | 2019-12-24 | 杭州振牛信息科技有限公司 | Capital processing method and device and computer equipment |
| WO2020000782A1 (en) * | 2018-06-28 | 2020-01-02 | 平安科技（深圳）有限公司 | Financial product recommendation method and apparatus, computer device, and readable storage medium |
| CN109670960A (en) * | 2018-09-26 | 2019-04-23 | 深圳壹账通智能科技有限公司 | Method for pushing, device, equipment and the storage medium of product data |
| CN109447784A (en) * | 2018-10-11 | 2019-03-08 | 依睿迪亚（南京）智能科技有限公司 | A method of above-mentioned market reward is obtained by the automatic purchase strategy of loan point-to-point on secondary market |
| CN110458661A (en) * | 2019-08-06 | 2019-11-15 | 深圳市拜特科技股份有限公司 | A kind of method and device carrying out the recommendation of Enterprise Financing scheme according to enterprise's cash flow |
| CN112017037A (en) * | 2020-09-02 | 2020-12-01 | 中国银行股份有限公司 | Method and system for pre-purchasing large-amount bank deposit |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN105260938A (en) | Intelligent financial management method and device | |
| US11720959B1 (en) | Payment processor financing of customer purchases | |
| US11823153B1 (en) | Cash advance payment deferrals | |
| US10360575B2 (en) | Consumer household spend capacity | |
| KR102127039B1 (en) | Interactive data processing method and apparatus using same | |
| US20150228014A1 (en) | Automated customer characterization | |
| US20060255125A1 (en) | System and method for detecting fraudulent use of stored value instruments | |
| US20170345008A1 (en) | System, method, and computer program for dynamically identifying a merchant associated with an authorization request for a payment card | |
| CN106776897B (en) | User portrait label determination method and device | |
| CN104866484A (en) | Data processing method and device | |
| US20170262784A1 (en) | Apparatus, method, and computer program product for correlating global positioning system data and iso 8583 network transaction data or the like | |
| CN107833037A (en) | A kind of method that business by stages is realized based on credit | |
| CN110634043A (en) | Supply and demand matching model obtaining method, supply and demand matching method, platform and storage medium | |
| US20100023374A1 (en) | Providing Tailored Messaging to Customers | |
| CN110610365A (en) | Method and device for identifying transaction request | |
| Pousttchi et al. | Enabling evidence-based retail marketing with the use of payment data–the Mobile Payment Reference Model 2.0 | |
| CN109150952A (en) | For asynchronous integration and the system and method for sending data | |
| CN112330373A (en) | User behavior analysis method and device and computer readable storage medium | |
| US20160063494A1 (en) | Before-the-fact budgeting | |
| CN115049456A (en) | Recommendation method and device for financial product combination and electronic equipment | |
| CN114092225A (en) | Method and device for providing financial service by bank outlets | |
| CN109714381B (en) | Consumption tracking based information pushing method, equipment, storage medium and device | |
| CN112053236A (en) | Risk information identification method and device, computing equipment and medium | |
| Hakkeem et al. | A study on customer satisfaction in internet banking with special reference to Tirchirappalli district | |
| Kumar et al. | Application of Robotic Process Automation in Supermarket |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20160120 |
|
| RJ01 | Rejection of invention patent application after publication |