WO2017128396A1 - 根据账户资金额度匹配资产管理的方法及智能投资提示系统 - Google Patents

根据账户资金额度匹配资产管理的方法及智能投资提示系统 Download PDF

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Publication number
WO2017128396A1
WO2017128396A1 PCT/CN2016/072966 CN2016072966W WO2017128396A1 WO 2017128396 A1 WO2017128396 A1 WO 2017128396A1 CN 2016072966 W CN2016072966 W CN 2016072966W WO 2017128396 A1 WO2017128396 A1 WO 2017128396A1
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account
user
asset
quota
customer
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PCT/CN2016/072966
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English (en)
French (fr)
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杨钰
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杨钰
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Priority to PCT/CN2016/072966 priority Critical patent/WO2017128396A1/zh
Publication of WO2017128396A1 publication Critical patent/WO2017128396A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols

Definitions

  • the invention belongs to the field of internet finance, and provides a method for matching asset management according to account fund quota and an intelligent investment reminding system.
  • the embodiment of the invention provides a method for matching asset management according to the account fund quota and an intelligent investment prompting system, which can match the balance of the user account funds with the account fund amount set by the user, so that the system can timely find out whether the user has sufficient Funding for financial management, and then adjust asset allocation to maximize revenue.
  • the present invention is implemented in such a way that a method of matching asset management according to the amount of account funds includes the following steps:
  • the embodiment of the invention further provides an intelligent investment prompting system, comprising:
  • a recording unit configured to record account asset quota information and current account quota information set by the user
  • a reading unit connected to the output end of the recording unit, for reading the account asset quota information set by the user and the current account quota information
  • the judging unit is connected to the output end of the reading unit, and is configured to determine whether the current account quota is higher than an account asset quota set by the user;
  • the control unit is connected to the output end of the judgment unit. If the current account quota is higher than the account asset quota set by the user, the user is prompted to perform asset management.
  • the invention enables the system to timely discover whether the user has sufficient funds to manage the money, thereby adjusting the asset allocation to maximize the benefits.
  • FIG. 1 is a schematic flowchart of a method for matching asset management according to an account fund quota according to an embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of an intelligent investment prompting system according to an embodiment of the present invention.
  • figure 1 It is a schematic flowchart of a method for matching asset management according to account fund quota provided by the embodiment of the present invention. For the convenience of description, only parts related to the embodiment of the present invention are shown.
  • step S101 the account asset quota information set by the user and the current account credit information are recorded.
  • step S102 the account asset quota information and the current account credit information set by the user are read and recorded.
  • step S103 it is determined whether the current account quota is higher than the account asset quota set by the user; if not, proceed to step S104. It is considered that the user does not meet the requirements for asset management, and does not issue information prompting the user to perform asset management; if so, proceeds to step S105 to issue information prompting the user to perform asset management.
  • the invention enables the system to timely discover whether the user has sufficient funds to manage the money, thereby adjusting the asset allocation to maximize the benefits.
  • FIG. 2 is a schematic structural diagram of an intelligent investment prompting system according to an embodiment of the present invention, where the smart investment prompting system includes:
  • the recording unit 21 is configured to record account asset quota information and current account quota information set by the user;
  • Reading unit 22, and recording unit 21 The output ends are connected to read user account asset quota information and current account quota information;
  • Judging unit 23, and reading unit 22 The output ends are connected to determine whether the current account quota is higher than the account asset quota set by the user;
  • Control unit 24, and judgment unit 23 The output ends are connected. If the current account quota is higher than the account asset quota set by the user, the user is prompted to perform asset management.
  • the working principle is: the recording unit 21 records the account asset quota information set by the user and the current account quota information; the reading unit 22 Reading the account asset quota information and the current account quota information set by the user; the determining unit 23 determines whether the current account quota is higher than the account asset quota set by the user; the control unit 24 In the current account quota is higher than the account asset quota set by the user, the user is prompted to perform asset management information.
  • the invention enables the system to timely discover whether the user has sufficient funds to manage the money, thereby adjusting the asset allocation to maximize the benefits.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

一种根据账户资金额度匹配资产管理的方法及智能投资提示系统，所述方法包括：记录用户设定的账户资产额度信息和当前账户额度信息（S101）；读取用户设定的账户资产额度信息和当前账户额度信息（S102）；判断当前账户额度是否高于用户设定的账户资产额度（S103）；若否，视为未达到用户进行资产管理的要求，不发出提示用户进行资产管理的信息（S104）；若是，发出提示用户进行资产管理的信息（S105）。所述方法和系统属于互联网金融领域，通过将用户账户资金余额与用户设定的账户资金额度相匹配，让系统能够及时发现用户是否有充足资金进行理财，进而调节资产配置，实现最大化收益。

Description

根据账户资金额度匹配资产管理的方法及智能投资提示系统 技术领域
本发明属于互联网金融 领域 ，提供了一种根据账户资金额度匹配资产管理的方法及智能投资提示系统。
背景技术
伴随着利率市场化进程稳步推进和经济的快速增长，中国使得居民财富迅速积累，中产阶级逐渐形成并日渐壮大，居民财富积累的快速增加，势必也会强化其理财需求，在此情形下资产管理行业得以迅速发展，也为用户带来了更多的理财可选择空间，一方面，在政策上，自2012年5月以来，中国的资产管理行业迎来了一轮监管放松、业务创新的浪潮。新一轮的监管放松通过扩大投资范围、降低投资门槛以及放宽牌照限制打破了证券公司、期货公司、证投基金管理公司、银行、保险公司、信托公司之间的竞争壁垒，使资产管理行业进入竞争、创新、混业经营的大资管时代，另外一方面，近年来外部大环境的变化，金融市场的双向开放带来的利率市场化和人民币国际化进程，不仅提供了境内理财业务的空间，也带来了境内外理财业务的发展空间。
多元的理财业务可以帮助不同风险偏好的用户进行不同的投资，可以承担高风险博取高收益，也可以承担低风险保证财富的保值增值，但远比放在银行存款账户获取低利息要更为有利，“你不理财，财不理你”显示出中国财富意识的觉醒，但也不可否认的是，人们往往忙于工作，忘记自己存款到底增加了多少，在保持自身日常费用的同时，还可以有多少可以用来理财，导致大量的资金沉淀银行账户，降低了现实收益。
综上，需要对既有金融服务系统进行适当的改造，通过将用户账户资金余额与用户设定的账户资金额度相匹配，让系统能够及时发现用户是否有充足资金进行理财，进而调节资产配置，实现最大化收益。
 技术问题
本发明实施例提供了一种根据账户资金额度匹配资产管理的方法及智能投资提示系统，能够通过将用户账户资金余额与用户设定的账户资金额度相匹配，让系统能够及时发现用户是否有充足资金进行理财，进而调节资产配置，实现最大化收益。
技术解决方案
本发明是这样实现的：一种根据账户资金额度匹配资产管理的方法，包括以下步骤：
记录用户设定的账户资产额度信息和当前账户额度信息；
读取用户设定的账户资产额度信息和当前账户额度信息；
判断当前账户额度是否高于用户设定的账户资产额度；
若否，视为未达到用户进行资产管理的要求，不发出提示用户进行资产管理的信息；
若是，发出提示用户进行资产管理的信息。
本发明实施例还提供了一种智能投资提示系统，包括：
记录单元，用于记录用户设定的账户资产额度信息和当前账户额度信息；
读取单元，与记录单元的输出端相连接，用于读取用户设定的账户资产额度信息和当前账户额度信息；
判断单元，与读取单元的输出端相连接，用于判断当前账户额度是否高于用户设定的账户资产额度；
调控单元，与判断单元的输出端相连接，若当前账户额度高于用户设定的账户资产额度，则发出提示用户进行资产管理的信息。
 有益效果
该发明通过将用户账户资金余额与用户设定的账户资金额度相匹配，让系统能够及时发现用户是否有充足资金进行理财，进而调节资产配置，实现最大化收益。
附图说明
图 1 是本发明实施例提供的一种根据账户资金额度匹配资产管理方法 的流程示意图 ；
图 2 是本发明实施例提供的智能投资提示系统的结构示意图。
 本发明的实施方式
为了使本发明的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本发明进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
图 1 是发明实施例提供的一种根据账户资金额度匹配资产管理方法的流程示意图，为了便于说明，只示出了与本发明实施例相关的部分。
在步骤 S101 中，记录用户设定的账户资产额度信息和当前账户额度信息。
记录用户设定的账户资产额度信息，需要先对该用户进行理财测试，这一测试主要考察两个方面，一是用户的风险偏好，以决定其设定额度的大小，二是考察其日常开销，保证可以随时使用的资金不会影响到其正常生活。
在步骤 S102 中，读取记录用户设定的账户资产额度信息和当前账户额度信息。
在步骤 S103 中，判断当前账户额度是否高于用户设定的账户资产额度；若否，进入步骤 S104 ，视为未达到用户进行资产管理的要求，不发出提示用户进行资产管理的信息；若是，进入步骤 S105 ，发出提示用户进行资产管理的信息。
该发明通过将用户账户资金余额与用户设定的账户资金额度相匹配，让系统能够及时发现用户是否有充足资金进行理财，进而调节资产配置，实现最大化收益。
图 2 是本发明实施例提供的一种智能投资提示系统的结构示意图，该智能投资提示系统包括：
记录单元 21 ，读取单元 22 ，判断单元 23 ，调控单元 24 ，其中
记录单元 21 ，用于记录用户设定的账户资产额度信息和当前账户额度信息；
读取单元 22 ，与记录单元 21 的输出端相连接，用于读取用户设定的账户资产额度信息和当前账户额度信息；
判断单元 23 ，与读取单元 22 的输出端相连接，用于判断当前账户额度是否高于用户设定的账户资产额度；
调控单元 24 ，与判断单元 23 的输出端相连接，若当前账户额度高于用户设定的账户资产额度，则发出提示用户进行资产管理的信息。
其工作原理是：记录单元 21 记录用户设定的账户资产额度信息和当前账户额度信息；读取单元 22 读取用户设定的账户资产额度信息和当前账户额度信息；判断单元 23 判断当前账户额度是否高于用户设定的账户资产额度；调控单元 24 在当前账户额度高于用户设定的账户资产额度，发出提示用户进行资产管理的信息。
该发明通过将用户账户资金余额与用户设定的账户资金额度相匹配，让系统能够及时发现用户是否有充足资金进行理财，进而调节资产配置，实现最大化收益。
以上仅为本发明的较佳实施例而已，并不用以限制本发明，凡在本发明的精神和原则之内所作的任何修改、等同替换和改进等，均应包含在本发明的保护范围之内。

Claims (2)

  1. 一种根据账户资金额度匹配资产管理的方法，其特征在于，所述方法包括如下步骤：
    记录用户设定的账户资产额度信息和当前账户额度信息；
    读取用户设定的账户资产额度信息和当前账户额度信息；
    判断当前账户额度是否高于用户设定的账户资产额度；
    若否，视为未达到用户进行资产管理的要求，不发出提示用户进行资产管理的信息；
    若是，发出提示用户进行资产管理的信息。
  2. 一种智能投资提示系统，其特征在于，所述智能投资提示系统包括：
    记录单元，用于记录用户设定的账户资产额度信息和当前账户额度信息；
    读取单元，与记录单元的输出端相连接，用于读取用户设定的账户资产额度信息和当前账户额度信息；
    判断单元，与读取单元的输出端相连接，用于判断当前账户额度是否高于用户设定的账户资产额度；
    调控单元，与判断单元的输出端相连接，若当前账户额度高于用户设定的账户资产额度，则发出提示用户进行资产管理的信息。
PCT/CN2016/072966 2016-01-30 2016-01-30 根据账户资金额度匹配资产管理的方法及智能投资提示系统 WO2017128396A1 (zh)

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CN109583774A (zh) * 2018-12-05 2019-04-05 合肥卓瑞信息技术有限公司 一种it运维管理设备资产管理系统

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CN102708467A (zh) * 2012-05-22 2012-10-03 苏州奇可思信息科技有限公司 个人财务管理系统
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