CN101334882A - Financial services system and its method - Google Patents
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- CN101334882A CN101334882A CNA2008100685855A CN200810068585A CN101334882A CN 101334882 A CN101334882 A CN 101334882A CN A2008100685855 A CNA2008100685855 A CN A2008100685855A CN 200810068585 A CN200810068585 A CN 200810068585A CN 101334882 A CN101334882 A CN 101334882A
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Abstract
The invention discloses a financial service system which a plurality of user sides of communication connection in sequence, a communication platform, an independent financial service platform and a plurality of financial organ platforms. The user side is used for sending financial service request to the communication platform; the communication platform is used for transmitting the financial service information from the user side to the financial service platform; the financial service platform is used for providing financial service to the user side according to the financial service information from the user side by the communication platform, and/or transmitting the financial service information from the user side to the financial organ platform; the financial platform is used for providing financial service to the user side according to the financial service request from the user side by the financial service platform and the communication platform,. The invention also provides a financial service method. Consequently, the system and the method can provide professional and convenient financial services to a user, and protect the property of the user to the maximum degree to realize maintain, guarantee and increase value.
Description
Technical field
The present invention relates to the e-commerce technology field, it relates to a kind of financial services system and method thereof of utilizing the communication technology to realize.
Background technology
In recent years, the China's Financial industry is flourish, and financial product becomes increasingly abundant, financial consumption rapid growth, but specialty and independently financial services system be still blank out.Particularly since two thousand six, huge financial market demand has been brought unprecedented challenge and opportunity to us.The general direct consumption of carrying out financial products such as fund, stock, insurance, gold, set financing, trust, credit by financial institutions such as various banks, securities broker company, insurance company and trust and investment corporations of consumer at present, but because numerous common people's financial consumption lacks enough specialty guiding, cause user's blind investment, the phenomenon of the queuing that follows the wind grows in intensity, make consumer's wealth can not get preserving value ensure increment.
In summary, existing financial services system obviously exists inconvenience and defective on reality is used, so be necessary to be improved.
Summary of the invention
At above-mentioned defective, the object of the present invention is to provide a kind of financial services system and method thereof, it can be for the user provides specialty financial service easily, with the wealth that farthest guarantees the user realize value preserving ensure increment.
To achieve these goals, the invention provides a kind of financial services system, described financial services system comprises some user sides of communicating to connect successively, communications platform, independently financial service platform and some financial institutions platform;
Described user side is used for sending the financial service request to described communications platform;
Described communications platform is used for the financial service request of described user side is transmitted to described financial service platform;
Described financial service platform is used for the financial service request according to described user side, provides financial service by described communications platform to described user side, and/or transmits the financial service request of described user side to described financial institution platform;
Described financial institution platform is used for the financial service request according to described user side, provides financial service by described financial service platform and communications platform to described user side.
According to financial services system of the present invention, the financial service request of described user side comprises financial product information request and financial product transaction request;
After described financial service platform is received the financial product information request of described user side, provide various financial product information to described user side; And/or
After described financial service platform is received the financial product transaction request of described user side, this financial product transaction request is transmitted to corresponding financial institution platform, carries out the financial product transaction by described financial service platform and communications platform and described user side by described financial institution platform.
According to financial services system of the present invention, described financial service platform further comprises:
The financial service request processing module, be used to receive and handle the financial service request of the user side that described communications platform switching comes, when the financial service request of described user side was the financial product information request, this processing module was obtained corresponding financial product information and is sent to described user side by described communications platform from the financial product information storage module; When the financial service request of described user side was the financial product transaction request, this processing module sent to the financial product transaction modules with this financial product transaction request and handles;
Financial product information acquisition module is used to obtain various financial product information;
The financial product information storage module is used to store the financial product information that described financial product information acquisition module is obtained;
The financial product transaction modules, be used to receive the financial product transaction request of described user side, and this financial product transaction request is handed to corresponding financial institution platform processes, and and the transfer of coming together of described communications platform handle financial product transaction between described user side and the financial institution's platform.
According to financial services system of the present invention, described financial service request processing module further comprises:
The speech processes submodule is used to handle the financial service request of the speech business mode of described user side; And/or
The data processing submodule is used to handle the financial service request of the data service mode of described user side.
According to financial services system of the present invention, described speech processes submodule is by the financial service request of automatic speech mode or operator attendance mode process user end; And/or
Described data processing submodule is handled the financial service request of described user side by short message mode, instant communication mode or WAP mode.
According to financial services system of the present invention, described financial product transaction modules further comprises:
Transaction customization submodule is used for realizing for described user side the personalized customization of financial product; And/or
The transaction payment submodule is used for using bank card account information to carry out the tranaction costs payment for described user side, and this bank card account information is directly delivered to the payment gateway of banking service platform.
According to financial services system of the present invention, described financial institution platform comprises banking service platform, trust and investment mechanism service platform, insurance institution's service platform or security mechanism service platform; Described communications platform is mobile communication operators platform or fixed line communication operation platform; Described user side is mobile phone or landline telephone; And/or
Described financial product information comprises fund product information, stock product information, insurance products information, gold product information, foreign exchange product information, credit product information or trust products information; And the form of described financial product information is text formatting, audio format or video format.
According to financial services system of the present invention, described communications platform also communication is connected with some financial agent sides, described user side sends the financial product information request by described communications platform and financial service platform to described financial agent side, and described financial agent side provides financial product information by described financial service platform and communications platform to described user side; And/or
Described user side sends the financial product transaction request by described communications platform and financial service platform to described financial agent side, and described financial agent side communication connects corresponding financial institution platform and carries out the financial product transaction.
According to financial services system of the present invention, described financial service platform obtains various financial product information by each financial institution's platform or financial agent side place at least, and the financial product information of being obtained is examined and edited.
The present invention also provides a kind of financial service method, and this financial service method comprises the steps:
A, described user side send the financial service request to described communications platform;
B, described communications platform are transmitted to described financial service platform with the financial service request of this user side;
C, described financial service platform provide financial service by described communications platform to described user side, and/or transmit the financial service request of described user side to described financial institution platform according to the financial service request of described user side;
D, described financial institution platform provide financial service by described financial service platform and communications platform to described user side according to the financial service request of described user side.
The present invention is by introducing technology maturation and widely used communications platform, and a financial service platform independently is set between user side and financial institution's platform, so user side can provide specialty financial services such as financial Information, financial consultation and financial transaction reliably by this financial service platform of communications platform request easily, for users' financial consumption carries out specialized guidance, thus the wealth that farthest guarantees the user realize value preserving ensure increment.
Description of drawings
Fig. 1 is the structural representation of financial services system provided by the invention;
Fig. 2 is the structural representation of financial services system in the preferred embodiments of the present invention;
Fig. 3 is the structural representation of financial service request processing module in the preferred embodiments of the present invention;
Fig. 4 is the structural representation of financial product transaction modules in the preferred embodiments of the present invention;
Fig. 5 is the process flow diagram of financial service method provided by the invention.
Embodiment
In order to make purpose of the present invention, technical scheme and advantage clearer,, the present invention is further elaborated below in conjunction with drawings and Examples.Should be appreciated that specific embodiment described herein only in order to explanation the present invention, and be not used in qualification the present invention.
Fig. 1 shows the structure of financial services system provided by the invention, and this financial services system 100 comprises some user sides 10 of communicating to connect successively, communications platform 20, independently financial service platform 30 and some financial institutions platform 40, wherein:
Preferably, the financial product information that provides of described financial service platform 30 comprises fund product information, stock product information, insurance products information, gold product information, foreign exchange product information, credit product information or trust products information etc.Usually, financial service platform 30 obtains financial product information from various financial institutions platform 40 after, offer user side 10 again after this financial product information examined, edits, so that provide objectively financial product information guiding of specialty for user side 10.
Financial institution's platform 40 is used for the financial service request according to user side 10, provides financial service by described financial service platform 30, communications platform 20 to described user side 10.Preferably, user side 10 is after communications platform 20 sends the financial product transaction request, communications platform 20 is transmitted to financial service platform 30 with this financial product transaction request, this financial service platform 30 is transmitted to this financial product transaction request corresponding financial institution platform 40 again and handles, and finally carries out financial product transaction by financial service platform 30 and communications platform 20 with user side 10 by described financial institution platform 40.Described financial institution platform 40 comprises banking service platform, trust and investment mechanism service platform, insurance institution's service platform or security mechanism service platform etc., every kind of financial institution's platform 40 absorbed operation in its financial product separately, for example banking service platform and security mechanism service platform dabble in stocks, fund, products such as gold, trust and investment mechanism service platform is managed trust products, insurance institution's service platform is managed insurance products etc., and each financial institution's platform 40 and oneself financial product information is converged to financial service platform 30 carry out the reference of financial product for user sides 10, select and transaction.Described financial product information comprises fund product information, stock product information, insurance products information, gold product information, foreign exchange product information, credit product information or trust products information etc.
Further, in the financial services system 100 of the present invention, described communications platform 20 also communication is connected with some financial agent sides 50, and described financial agent side 50 is generally the used communicating terminal of financial procurator of each financial institution, comprises mobile phone, landline telephone or computer etc.Described user side 10 sends the financial product information request by communications platform 20 and financial service platform 30 to financial agent side 50, and described financial agent side 50 provides financial product information by financial service platform 30 and communications platform 20 to user side 10; And/or described user side 10 passes through communications platform 20 and financial service platform 30 sends the financial product transaction request to financial agent side 50, and described financial agent side 50 communications connect corresponding financial institution platform 40 and carry out the financial product transaction.Be pointed out that financial agent side 50 provides financial service to user side 10, must be via financial service platform 30 and communications platform 20.Preferably, described financial service platform 30 also can obtain various financial product information from each financial agent side 50, and the financial product information of being obtained is examined and edited.
In the present invention, financial service platform 30 has compiled the financial product information of all financial institution's platforms 40 such as fund, insurance, gold, trust, security, work in concert with all kinds of financial institutions platform 40, found professional financial service platform, actively set up the passage that exchanges between individual investor, financing expert, the financial institution.User side 10 can have been bought the financial product of great variety of goods by financial service platform 30; Obtain independent, objective financial product information; Peculiar time saving and energy saving consumption mode is concluded the business, experienced to the realization financial product easily, helps the user to realize wealth value preserving, guarantee, value-added target.
Fig. 2 shows the structure of financial services system in the preferred embodiments of the present invention, and the financial service platform 30 of this financial services system 100 further comprises:
Financial service request processing module 31, be used to receive and handle the financial service request of the user side 10 that communications platform 20 switchings come, when the financial service request of described user side 10 is the financial product information request, for example ask financial product consulting or financial product information, financial service request processing module 31 is obtained corresponding financial product information and is sent to user side 10 by communications platform 20 from financial product information storage module 33; When the financial service request of described user side 10 was the financial product transaction request, financial service request processing module 31 sent to financial product transaction modules 34 with this financial product transaction request and handles.
Financial product information acquisition module 32 is used to obtain various financial product information.Preferably, described financial product information acquisition module 32 can obtain various financial product information by each financial institution's platform 40, and the financial product information of being obtained is examined and edited.Certainly, financial product information acquisition module 32 can also obtain financial product information from other Internet resources bodies, for example financial agent side 50 etc.
Financial product information storage module 33 is used to store the financial product information that described financial product information acquisition module 32 is obtained.Financial product information storage module 33 is preferably database.
Financial product transaction modules 34, be used to receive the financial product transaction request of user side 10, and this financial product transaction request is handed to corresponding financial institution platform 40 handle, and the transfer of coming together of financial product transaction modules 34 and communications platform 20 is handled user side 10 and concluded the business with the financial product between financial institution's platform 40.Here, financial product transaction modules 34 can be used for realizing buying for user side 10 the network application, payment, ecommerce, group's consumption etc. of financial products.
Fig. 3 shows the preferred structure of financial service request processing module in the preferred embodiment of the present invention, and described financial service request processing module 31 further comprises:
Fig. 4 shows the preferred structure of financial product transaction modules in the preferred embodiment of the present invention, and described financial product transaction modules 34 further comprises:
Fig. 5 shows the flow process of financial service method of the present invention, and it realizes that by Fig. 1 or financial services system 100 shown in Figure 2 described financial service method comprises the steps:
Step S501, user side 10 sends the financial service request to communications platform 20, comprises financial product information request and financial product transaction request.Described user side 10 can be communication terminals such as mobile phone or landline telephone.Described communications platform 20 can be mobile communication operators platform or fixed line communication operation platform.
Step S502, communications platform 20 is transmitted to 30 processing of financial service platform with the financial service request of this user side 10.Described financial institution platform 40 comprises banking service platform, trust and investment mechanism service platform, insurance institution's service platform or security mechanism service platform etc.
Step S503, financial service platform 30 is according to the financial service request of user side 10, provide financial service by communications platform 20 to user side 10, and/or the financial service request of transmitting user sides 10 to financial institution's platform 40, preferably, if after described financial service platform 30 is received the financial product information request of user side 10, provide various financial product information to user side 10; After if described financial service platform 30 is received the financial product transaction request of user side 10, this financial product transaction request is transmitted to corresponding financial institution platform 40, carries out the financial product transaction by financial service platform 30 and communications platform 20 with user side 10 by described financial institution platform 40.Here, described financial service platform 30 obtains various financial product information by each financial institution's platform 40 or financial agent side 50 places at least, and offers user side 10 just now after the financial product information of being obtained examined and edit.
Step S504, financial institution's platform 40 provide financial service by described financial service platform 30 and communications platform 20 to user side 10 according to the financial service request of user side 10, and the financial service that is provided in this step mainly is meant the financial product transaction.
In summary, the present invention is by introducing technology maturation and widely used communications platform, and a financial service platform independently is set between user side and financial institution's platform, so user side can provide specialty financial services such as financial Information, financial consultation and financial transaction reliably by this financial service platform of communications platform request easily, for users' financial consumption carries out specialized guidance, thus the wealth that farthest guarantees the user realize value preserving ensure increment.
Certainly; the present invention also can have other various embodiments; under the situation that does not deviate from spirit of the present invention and essence thereof; those of ordinary skill in the art work as can make various corresponding changes and distortion according to the present invention, but these corresponding changes and distortion all should belong to the protection domain of the appended claim of the present invention.
Claims (10)
1, a kind of financial services system is characterized in that, described financial services system comprises some user sides of communicating to connect successively, communications platform, independently financial service platform and some financial institutions platform;
Described user side is used for sending the financial service request to described communications platform;
Described communications platform is used for the financial service request of described user side is transmitted to described financial service platform;
Described financial service platform is used for the financial service request according to described user side, provides financial service by described communications platform to described user side, and/or transmits the financial service request of described user side to described financial institution platform;
Described financial institution platform is used for the financial service request according to described user side, provides financial service by described financial service platform and communications platform to described user side.
2, financial services system according to claim 1 is characterized in that, the financial service request of described user side comprises financial product information request and financial product transaction request;
After described financial service platform is received the financial product information request of described user side, provide various financial product information to described user side; And/or
After described financial service platform is received the financial product transaction request of described user side, this financial product transaction request is transmitted to corresponding financial institution platform, carries out the financial product transaction by described financial service platform and communications platform and described user side by described financial institution platform.
3, financial services system according to claim 2 is characterized in that, described financial service platform further comprises:
The financial service request processing module, be used to receive and handle the financial service request of the user side that described communications platform switching comes, when the financial service request of described user side was the financial product information request, this processing module was obtained corresponding financial product information and is sent to described user side by described communications platform from the financial product information storage module; When the financial service request of described user side was the financial product transaction request, this processing module sent to the financial product transaction modules with this financial product transaction request and handles;
Financial product information acquisition module is used to obtain various financial product information;
The financial product information storage module is used to store the financial product information that described financial product information acquisition module is obtained;
The financial product transaction modules, be used to receive the financial product transaction request of described user side, and this financial product transaction request is handed to corresponding financial institution platform processes, and and the transfer of coming together of described communications platform handle financial product transaction between described user side and the financial institution's platform.
4, financial services system according to claim 3 is characterized in that, described financial service request processing module further comprises:
The speech processes submodule is used to handle the financial service request of the speech business mode of described user side; And/or
The data processing submodule is used to handle the financial service request of the data service mode of described user side.
5, financial services system according to claim 4 is characterized in that, described speech processes submodule is by the financial service request of automatic speech mode or operator attendance mode process user end; And/or
Described data processing submodule is handled the financial service request of described user side by short message mode, instant communication mode or WAP mode.
6, financial services system according to claim 3 is characterized in that, described financial product transaction modules further comprises:
Transaction customization submodule is used for realizing for described user side the personalized customization of financial product; And/or
The transaction payment submodule is used for using bank card account information to carry out the tranaction costs payment for described user side, and this bank card account information is directly delivered to the payment gateway of banking service platform.
7, financial services system according to claim 2 is characterized in that, described financial institution platform comprises banking service platform, trust and investment mechanism service platform, insurance institution's service platform or security mechanism service platform; Described communications platform is mobile communication operators platform or fixed line communication operation platform; Described user side is mobile phone or landline telephone; And/or
Described financial product information comprises fund product information, stock product information, insurance products information, gold product information, foreign exchange product information, credit product information or trust products information; And the form of described financial product information is text formatting, audio format or video format.
8, financial services system according to claim 2, it is characterized in that, described communications platform also communication is connected with some financial agent sides, described user side sends the financial product information request by described communications platform and financial service platform to described financial agent side, and described financial agent side provides financial product information by described financial service platform and communications platform to described user side; And/or
Described user side sends the financial product transaction request by described communications platform and financial service platform to described financial agent side, and described financial agent side communication connects corresponding financial institution platform and carries out the financial product transaction.
9, financial services system according to claim 8, it is characterized in that, described financial service platform obtains various financial product information by each financial institution's platform or financial agent side place at least, and the financial product information of being obtained is examined and edited.
10, a kind of financial service method that realizes as each financial services system of claim 1～9 that adopts is characterized in that this financial service method comprises the steps:
A, described user side send the financial service request to described communications platform;
B, described communications platform are transmitted to described financial service platform with the financial service request of this user side;
C, described financial service platform provide financial service by described communications platform to described user side, and/or transmit the financial service request of described user side to described financial institution platform according to the financial service request of described user side;
D, described financial institution platform provide financial service by described financial service platform and communications platform to described user side according to the financial service request of described user side.
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| CNA2008100685855A CN101334882A (en) | 2008-07-22 | 2008-07-22 | Financial services system and its method |
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| CNA2008100685855A CN101334882A (en) | 2008-07-22 | 2008-07-22 | Financial services system and its method |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104753894A (en) * | 2013-12-31 | 2015-07-01 | 腾讯科技（深圳）有限公司 | Data processing method, device and system |
| CN107025599A (en) * | 2016-01-29 | 2017-08-08 | 平安科技（深圳）有限公司 | The transaction processing system and method for universal life insurance |
| CN107025600A (en) * | 2016-01-29 | 2017-08-08 | 平安科技（深圳）有限公司 | The information processing system and method for Investment-linked insurance |
| CN107943600A (en) * | 2017-11-21 | 2018-04-20 | 杭州财人汇网络股份有限公司 | A kind of method and apparatus of tradomation processing |
| CN109584028A (en) * | 2017-09-25 | 2019-04-05 | 上海策赢网络科技有限公司 | A kind of virtual resource allocation method and device |
| CN109978698A (en) * | 2019-04-02 | 2019-07-05 | 吴国兴 | A kind of wealth insurance management data security system based on Internet of Things |
| CN113259496A (en) * | 2021-07-15 | 2021-08-13 | 中企链信(北京)科技有限公司 | Bank-enterprise direct connection system and method based on financial service |
-
2008
- 2008-07-22 CN CNA2008100685855A patent/CN101334882A/en active Pending
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104753894A (en) * | 2013-12-31 | 2015-07-01 | 腾讯科技（深圳）有限公司 | Data processing method, device and system |
| CN104753894B (en) * | 2013-12-31 | 2019-09-13 | 腾讯科技（深圳）有限公司 | A kind of data processing method, apparatus and system |
| CN107025599A (en) * | 2016-01-29 | 2017-08-08 | 平安科技（深圳）有限公司 | The transaction processing system and method for universal life insurance |
| CN107025600A (en) * | 2016-01-29 | 2017-08-08 | 平安科技（深圳）有限公司 | The information processing system and method for Investment-linked insurance |
| CN109584028A (en) * | 2017-09-25 | 2019-04-05 | 上海策赢网络科技有限公司 | A kind of virtual resource allocation method and device |
| CN107943600A (en) * | 2017-11-21 | 2018-04-20 | 杭州财人汇网络股份有限公司 | A kind of method and apparatus of tradomation processing |
| CN109978698A (en) * | 2019-04-02 | 2019-07-05 | 吴国兴 | A kind of wealth insurance management data security system based on Internet of Things |
| CN113259496A (en) * | 2021-07-15 | 2021-08-13 | 中企链信(北京)科技有限公司 | Bank-enterprise direct connection system and method based on financial service |
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Application publication date: 20081231 |