TWI818263B - Intelligent consumption forecasting and automatic fund trading system and method thereof - Google Patents

Abstract

The present invention provides an intelligent consumption estimation and automatic fund trading system, which includes a core calculation module and estimates the future needs of a user in a future cycle based on a user's consumption record using a mobile payment tool. amount; and a fund trading platform that automatically executes subscription or buyback of a fund based on the amount required in the future. In addition, the present invention also correspondingly provides an intelligent consumption and fund repurchase method. In this way, the present invention allows users to control the use of idle assets in mobile payment instruments. When the expenditure funds are remaining, the fund trading system automatically triggers the subscription of funds. On the contrary, when the balance is insufficient, the fund trading system uses the calculation system of intelligent consumption estimation. It is recommended that funds be automatically bought back to provide sufficient funds for mobile payment instruments. The core calculation module analyzes user information and consumption records through big data data to achieve a more accurate future required amount, so that the user's funds More convenient to use.

Description

Intelligent consumption forecasting and automatic fund trading system and method thereof

The present invention provides an automatic transaction system and method for intelligent consumption estimation and tandem funds. In particular, it refers to an automatic smart consumption estimation and tandem fund that analyzes user information and their consumption records through big data data and proposes the amount required in the future. Trading systems and methods.

According to relevant information released by the Banking Bureau, the current use of domestic electronic mobile payment systems has been summarized as the total number of members using it has exceeded 10 million by the end of 2020. Therefore, it can be seen that the electronic mobile payment system has become a cashless future. A very important trend in society. However, most of the current user behavior of electronic mobile payment systems is to bind their credit cards (for example, mainly credit card accounts). However, when binding credit cards, electronic payment system operators also need to pay additional fees to international credit card organizations or banks. and other related handling fee costs, causing considerable burden; however, the user behavior of another electronic mobile payment system is to directly bind one of the users' bank accounts as the mobile payment income and expenditure account of their electronic mobile payment system. However, If this is the case, the amount of idle funds in the user's bank account will inevitably increase with the depth and breadth of the user's consumption behavior using the electronic mobile payment system, which will cause the idle amount in the bank account to increase. More often than not, this is not friendly to many users and the overall financial environment. It is observed that the business development of mainland China's electronic mobile payment system in conjunction with mutual fund trading platforms has become an inseparable financial Internet. However, as domestic laws still do not allow financial institutions to advance funds on their behalf, what exactly How to achieve a user experience similar to Mainland China's "Yu'E Bao" will become a focus of future research.

The inventor then devoted his mind to research and developed an intelligent consumption estimation and automatic fund trading system and method, in order to achieve the purpose of allowing investors to use funds more efficiently.

One aspect of the present invention provides an intelligent consumption estimation and automatic fund trading system, which includes a core calculation module that estimates the user's needs in a future period based on a user's consumption record using a mobile payment tool. a future required amount; and a fund trading platform that automatically trades a fund based on the future required amount and is linked to the user's mobile payment tool.

In one embodiment, for early users, a certain amount of funds must be deposited into the mobile payment tool. After detecting the account balance, the fund trading platform starts deducting the estimated consumption amount to execute the fund subscription. The initial user's consumption amount The estimate can be derived from the consumption data of consumer groups with the same pattern to estimate the amount required in the future. The consumption data of these consumer groups with the same model include: a basic user information, a consumption history record of a similar consumer group, and a consumption history record of similar consumer goods.

Another aspect of the present invention provides an intelligent consumption estimation and automatic fund transaction method, which includes the following steps: (1) Based on a user's consumption record using a mobile payment tool, a core calculation module estimates the user's A future required amount required in a future cycle; and (2) Based on the future required amount, a fund trading platform automatically executes the subscription or purchase of a fund and records it to the user's mobile payment tool.

In one embodiment, step (1) further includes: based on the consumption data of the same consumer group of the user, the core calculation module estimates the future required amount. The consumption data of these consumer groups with the same model include: a basic user information, a consumption history record of a similar consumer group, and a consumption history record of similar consumer goods.

In this way, the intelligent consumption estimation and automatic fund trading system and its method of the present invention can analyze the user information and their consumption records through big data data and make recommendations on the future required funds. The amount is used to automatically execute fund subscriptions or buybacks, in order to meet users' mobile payment fund needs and allow investors to use fund assets more efficiently.

1: Electronic devices

2:Internet

3: Mobile payment system

4: Intelligent consumption estimation is connected to the automatic fund trading system

41:Core calculation module

42:Fund trading platform

R01~R05: steps

S01~S09: steps

[Fig. 1] is a block diagram of an intelligent consumption prediction connected fund automatic trading system according to a specific embodiment of the present invention.

[Fig. 2] is a schematic diagram of the core calculation of the intelligent consumption estimation and automatic fund trading system in accordance with the specific embodiment of the present invention.

[Fig. 3] is a schematic flowchart of the operation steps of the intelligent consumption prediction and automatic fund trading method according to a specific embodiment of the present invention.

The main purpose of this smart consumption forecast-linked fund automatic trading system and its method is to encourage users to efficiently buy mutual funds by using idle funds deposited in banks that are expected to be used to pay for electronic mobile payment consumption. The mutual fund trading platform can implement conditional subscription and buy-back mechanisms, as well as the characteristics of high-security asset trusts, plus the actual consumption records of a large number of users using electronic mobile payment systems to utilize Big Data data analysis and core algorithms to calculate the amount of consumption required by the user in a specific period in the future (such as monthly, biweekly, weekly, or daily). In this way, the user can be encouraged to The idle funds that were originally idle in the bank are transferred to the mutual fund trading platform to subscribe for mutual funds, thereby improving the efficiency of the assets owned by the user, and the function of automatically buying back funds can also meet the needs of online and offline payments. need.

In addition, the present invention also calculates the time required to buy back the mutual fund through the fund stock system, and automatically assists the user to generate a buyback application for the mutual fund, and the amount obtained after buying back the fund will be automatically credited into the account. into the mobile payment tool of the user's electronic mobile payment system. Therefore, it can provide the necessary consumption expenditure for the user's daily life in every fixed period. The present invention will be combined from An automated fund trading platform, as well as the fund stock system, electronic mobile payment system, and calculation module that uses big data analysis to analyze all users' consumption records, etc., and then calculate the user's All asset transfer transaction actions that need to be executed in the next cycle.

In order to fully understand the purpose, characteristics and effects of the smart consumption forecasting-linked fund automatic trading system and its method of the present invention, the present invention is described in detail through the following specific embodiments and the accompanying drawings. The explanation is as follows: Please refer to Figure 1, which is a block diagram of a specific embodiment of the smart consumption estimation and automatic fund trading system. Please also refer to Figure 2 and Figure 3 for the core algorithm schematic diagram and operation. Step-by-step flowchart to understand. The embodiment of the present invention provides an intelligent consumption estimation and automatic fund trading system 4, which includes: a core calculation module 41 and a fund trading platform 42.

First, the investor user can be an investor who has invested in a mutual fund through his or her own electronic device 1, such as a mobile phone, tablet, personal computer, or laptop, etc. , through the communication interface (not shown in the figure) inside the electronic device 1, connect the Internet 2 to an electronic mobile payment system 3 where the user usually makes consumption payments for his daily life, and bind the An electronic mobile payment tool used as a debit account for daily consumption payments.

The electronic mobile payment system 3 is then connected to the intelligent consumption estimation serial fund automatic transaction system 4 . This system 4 includes a core calculation module 41, which calculates the future amount required by the user in a future cycle based on the relevant consumption records of the mobile payment tools after the user uses the aforementioned mobile payment system 3. Among them, the core calculation module 41 can also calculate an initial required amount based on the user's basic information at the very beginning, and store the user's initial investment amount in the fund trading platform 42. After deducting the calculated initial required amount from the amount, the remaining amount can be used to automatically purchase a mutual fund.

The system 4 also includes a fund trading platform 42. In addition to using the remaining amount to automatically purchase mutual funds as mentioned above, it can also calculate the user's future profit based on the core calculation module 41. The amount needed in the future is required in the cycle to automatically execute the subscription or buy back a mutual fund that the user has previously owned, and the amount obtained after the buy back is directly and automatically credited to the user's aforementioned mobile payment tool. The user can make subsequent consumption payments for daily life needs in the mobile payment system 3.

Among them, it should be particularly noted that the core calculation module 41 is based on the consumption data of the same consumer group of the user through big data analysis and core algorithms to calculate the future amount required by the aforementioned user. and the initial required amount. The consumption data of the same model consumer group that is based on includes: a user's basic information, such as: basic information such as gender, age, region, and income, a consumption history record of a similar consumer group, and a Consumption history records of similar consumer goods.

In addition, the core calculation module 41 can further calculate the future amount required by the user in the next future cycle based on the user's consumption records using mobile payment instruments in the next future cycle, and so on, and so on. Make calculations so that users can use their fund assets or mobile wallet funds more efficiently.

Please refer to Figure 2 again, which is a schematic diagram of the core calculation of the intelligent consumption estimation and fund automatic trading system 4 of the present invention. The detailed description is as follows: Since there are already a large number of investor users through the electronic mobile payment system 3 Consumption behavior (step R01), after recording the consumption behavior of these mobile payment tools of the mobile payment system 3, it can become a very valuable consumption record.

After receiving these relevant consumption records, the core calculation module 41 of this smart consumption forecasting and fund automatic trading system 4 conducts analysis through big data data analysis and its core algorithm, and can classify individual and group-based consumers. Consumption behavior for reference, comparison, and cross-analysis, etc. method to perform estimation (step R02). Among them, the big data data analysis and core algorithms in the core calculation module 41 include but are not limited to analyzing the following various information and related data: (1) User basic information, such as: gender, age, region, income and other basic information Information; (2) consumption history records of similar consumer groups; and (3) consumption history records of similar consumer goods, such as: the consumption order of each commodity, consumption expenditure, or consumption cycle and other recorded information. Initial users must deposit a certain amount of funds into the mobile payment tool. After the fund trading platform detects the account balance, it will start deducting the estimated consumption amount to execute fund subscription. The estimated consumption amount of initial users can be derived from the consumption data of consumer groups with the same pattern to estimate the amount required in the future. The consumption data of these same-model consumer groups may include: a basic user information, a consumption history record of a similar consumer group, and a consumption history record of similar consumer goods.

When investor users join the service of this intelligent consumption forecasting and fund automatic trading system 4 in the future, they will be able to give users an initial estimate by referring to the consumption record data accumulated by these same or similar consumer groups. Consumption behavior is predicted and the amount required by the user in a specific period is calculated (step R03).

As users continue to use this system 4 to carry out consumption behaviors, the core algorithm module 41 of the intelligent consumption forecast connected to the fund automatic trading system 4 can be more accurate by providing the core algorithm and its automatic learning mechanism. It can accurately calculate the amount of consumption that the consumer may have in a predetermined period in the future, and then automatically assist the user to buy back the equivalent mutual fund (step R04), and record the amount to the user's electronic mobile phone In the payment tool, the user can continue to make consumption payments (step R05). In this way, the relevant consumption behavior and record information of the investor user will be generated (return to step R01), and then relevant intelligence can be carried out. Analysis and calculation.

Please refer to Figure 3, which is a schematic flowchart of the operation steps of the smart consumption estimation and automatic fund trading method in a specific embodiment. An embodiment of the present invention also provides an intelligent consumption estimation and automatic fund trading method, which includes the following steps, and is described in detail as follows: First of all, the user can be an investor who has invested in mutual funds through his or her own electronic device, such as a mobile phone, tablet, personal computer, or laptop, etc. 1. The internal communication interface (not shown in the figure) connects to the Internet 2 to an electronic mobile payment system 3 to log in, and binds its electronic mobile payment tool to be used as a debit account for daily consumption payments, and The user joins the service of this smart consumption estimation and linked fund automatic trading system 4, and deposits the user's idle bank amount into the aforementioned mobile payment tool (step S01).

Through the function of the core calculation module 41 of the intelligent consumption estimation in conjunction with the fund automatic trading system 4, the initial required amount is calculated based on the user's basic information and the assessment of the same or similar consumer groups. Suggestions to the user (step S02), in which the user's basic information may be, for example, basic information such as gender, age, region, and income. The first cycle is calculated based on biweekly units. However, the user can also adjust this initial cycle or adjust future cycle settings.

After deducting the calculated initial required amount from the bank's idle amount initially invested by the user, the remaining amount can be used on the fund trading platform of the smart consumption estimation linked to the fund automatic trading system 4 42 Automatically purchases mutual funds (step S03). In addition, if the user has monthly salary, other income, or more idle bank balance in the future, they can transfer it to this mobile payment tool, and they can also purchase the same amount again after deducting the calculated initial required amount. of mutual funds.

The user will use the initial required amount to make consumption payments for daily life on the mobile payment system 3 (step S04), and further the mobile payment system 3 will use the user's various food, clothing, housing and transportation data. All are recorded as consumption records (step S05), and these consumption records are then sent back to the core computing module 41 to receive relevant information (step S06).

The core calculation module 41 is based on the various consumption records received from the users, through big data data analysis, and after comparing the consumption data of the same pattern of consumer groups, it is modified and After the prediction, a future required amount required by the user in a future period is further calculated and a recommendation is given (step S07). Among them, the consumption data of the same model consumer group can include but is not limited to: a user's basic information, a consumption history record of a similar consumer group, and a consumption history record of similar consumer goods, etc., through which information can be compared with each other. , cross-reference to get the estimated results.

The fund trading platform 42 automatically executes transactions to buy back the mutual funds already owned by the user based on the recommendation of the future required amount calculated by the core calculation module 41, and will use the amount obtained after buying back the mutual funds. Automatically deposit the money into the mobile payment tool of the mobile payment system 3 (step S08).

The user will use the amount generated by buying back the mutual fund based on the calculated future required amount to make consumption payments necessary for daily life on the mobile payment system 3 (step S09), then the various items of these users Consumption records such as food, clothing, housing and transportation will still be recorded by the mobile payment system 3 as consumption records (return to step S05), and these consumption records will be sent back to the core calculation module 41 to receive relevant information (step S06 ), allowing the core calculation module 41 to further calculate the future amount required by the user in the next future period (for example, the same two weeks) based on these consumption records (step S07), and so on. Make calculations so that users can use their funds more efficiently.

Because the user's consumption records every time, or within each set period, will be re-recorded, compared and analyzed, and revised by the core calculation module 41 of the smart consumption estimate-linked fund automatic trading system 4 , and then learn the different capital amount needs of individual user investors, as well as related cycle information, so as to accurately calculate the amount of mutual funds that should be purchased to meet the user's flexible use of funds needs. .

The present invention is not only expected to promote a friendlier electronic mobile payment environment, but is also expected to reduce the cost burden caused by electronic mobile payments and increase income. It can also further promote research on consumer behavior. For example, the present invention will be based on the user's behavior. Individual basic information such as gender, age, place of residence Region, income, and related consumption habits, etc., supplemented by consumption history records of similar consumer groups, consumption history records of similar consumer goods, consumption order of each commodity, consumption expenditure, or consumption cycle and other recorded information. After the calculation of breadth and depth, more accurate calculation and prediction results can be obtained as the user uses and consumes more frequently. Among them, the calculation cycle can also gradually change from monthly, biweekly, weekly, or even daily, or it can seamlessly meet the user's immediate needs when using the electronic mobile payment system 3 to make purchases.

As mentioned above, the intelligent consumption estimation and automatic fund trading system 4 and its method of the present invention can automatically execute subscription or purchase by analyzing user information and consumption records through big data and proposing the amount required in the future. The method of returning funds is to achieve the purpose of allowing investors to use funds more efficiently.

The intelligent consumption forecasting and fund automatic trading system 4 and its method disclosed in the present invention have been disclosed in a preferred embodiment above. However, those familiar with this technology should understand that this embodiment is only used to describe the present invention. , should not be construed as limiting the scope of the present invention. It should be noted that any changes and substitutions that are equivalent to this embodiment should be considered to be within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the scope of the patent application.

1: Electronic devices

2:Internet

3: Mobile payment system

4: Intelligent consumption estimation is connected to the automatic fund trading system

41:Core calculation module

42:Fund trading platform

Claims (10)

An intelligent consumption forecasting and automatic fund trading system, which includes: a core calculation module that estimates the future amount required by a user in a future cycle based on the consumption record of a user using a mobile payment instrument ; and a fund trading platform that automatically executes the subscription or purchase of a fund based on the future required amount and credits it to the user's mobile payment tool. As described in claim 1, the smart consumption forecast is connected to the automatic fund trading system, wherein the core calculation module further estimates the future required amount based on the consumption data of the same model consumer group of the user. The intelligent consumption estimation and linked fund automatic trading system as described in request item 2, wherein the consumption data of the same model consumer group includes: a user basic information, a consumption history record of a similar consumer group, and a similar consumption Product consumption history. The smart consumption estimate is connected to the automatic fund trading system as described in request item 1, wherein the core calculation module calculates an initial required amount based on one of the user's basic user information, and the fund trading platform deducts The remaining amount after the initial required amount is purchased into the fund. The intelligent consumption estimation linked to the automatic fund trading system as described in request item 1, wherein the core calculation module further predicts the user's consumption record of using the mobile payment instrument in the future period. The future required amount required for a future period. An intelligent consumption estimation and automatic fund trading method, which includes the following steps: (1) Based on a user's consumption record using a mobile payment instrument, a core calculation module estimates a future required amount that the user will need in a future cycle; and (2) Based on the future required amount, a The fund trading platform automatically executes the subscription or purchase of a fund and credits it to the user's mobile payment tool. The intelligent consumption estimation and automatic fund trading method described in request item 6, wherein step (1) further includes: based on the consumption data of the same model consumer group of the user, the core calculation module predicts the future consumption Amount required. The intelligent consumption forecasting linked fund automatic transaction method described in request item 7, wherein the consumption data of the same model consumer group includes: a user basic information, a consumption history record of a similar consumer group, and a similar consumer product consumption history. The smart consumption forecast-linked fund automatic transaction method described in request item 6 further includes: based on one of the user's basic user information, the core calculation module calculates an initial required amount, and deducts the initial amount based on the user's basic information. The fund trading platform purchases the remaining amount after the required amount. The intelligent consumption estimation and automatic fund trading method described in request item 6, wherein the step (1) further includes: based on the consumption record of the user using the mobile payment instrument in the future period, the core calculation module Further predict the future amount required by the user in the next future period.

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