Summary of the invention
At above-mentioned defective, the object of the present invention is to provide a kind of financial services system, financial service platform and method thereof, it can be for the user provides specialty financial service reliably, and becomes the professional financial channel operation platform that the user carries out rational financial consumption.
To achieve these goals, the invention provides a kind of financial services system, comprise some user sides, some financial institutions platform and financial service platform independently;
Described user side is used for being connected with the communication of described financial service Platform Implementation;
Described financial service platform is used for being connected with financial institution platform communication with described user side, provides various financial product information to described user side, and/or transmits the financial product transaction request of described user side to described financial institution platform;
Described financial institution platform is used for the financial product transaction request according to described user side, carries out the financial product transaction by described financial service platform and described user side.
According to financial services system of the present invention, described financial service platform further comprises:
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 of being obtained;
Financial product information provides module, is used for according to described user side request or system's preassigned the financial product information of having stored being offered described user side; And/or
The financial product transaction modules is 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, and the financial product transaction between described user side and the financial institution's platform is handled in transfer.
According to financial services system of the present invention, described financial service platform further comprises: WEB service sub-platform, voice service sub-platform, short message service sub-platform, instant messaging service sub-platform and/or WAP service sub-platform; Described user side communication connects corresponding described service sub-platform to obtain the financial service of different communication modes.
According to financial services system of the present invention, the WEB of described financial service platform service sub-platform further comprises:
Financial product search submodule is used for carrying out the search of various financial product information for described user side;
Financial product is analyzed comparison sub-module, is used for comparing for the analysis that described user side carries out various financial products according to various financial product information; And/or
Financial product comment submodule, the review information that is used to import and show various financial products.
According to financial services system of the present invention, described financial product transaction modules further comprises:
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;
Transaction customization submodule is used for realizing for described user side the personalized customization of financial product;
The transaction display sub-module is used to show the transaction step between described user side and the financial institution's platform; And/or
The Transaction Inquiries submodule is used for inquiring about its financial product transaction data for user side.
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 user side is computer, 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 financial service platform also communication is connected with some financial agent sides, described financial agent side provides financial product information by described financial service platform to user side, described user side sends the financial product transaction request by described financial service platform to described financial agent side, described financial agent side is according to described financial product transaction request, and communication connects corresponding financial institution platform and carries out the financial product transaction.
According to financial services system of the present invention, described financial product information acquisition module 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 platform, described financial service platform and described user side are connected with financial institution platform communication, provide various financial product information to described user side, and/or transmit the financial product transaction request of user side to described financial institution platform, and the financial product that transfer is handled between described user side and the financial institution's platform is concluded the business.
The present invention also provides a kind of financial service method, comprises the steps:
A, described user side communication connect the financial service platform, ask described financial service platform that financial product information is provided, and/or send the financial product transaction request to described financial service platform;
B, described financial service platform return financial product information to user side, and/or transmit the financial product transaction request of described user side to described financial institution platform;
C, described financial institution platform carry out the financial product transaction by described financial service platform and described user side.
The present invention is by being provided with a financial service platform independently between user side and financial institution's platform, this financial service platform can provide specialty financial services such as financial Information, financial consultation and financial transaction reliably for user side, for users' financial consumption carries out specialized guidance, thereby become the professional financial channel operation platform that users carry out rational financial consumption, with the wealth that farthest guarantees the user realize value preserving ensure increment.
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.
Basic thought of the present invention is: the present invention is by being provided with a financial service platform independently between user side and financial institution's platform, this financial service platform provides specialty financial services such as financial Information, financial consultation and financial transaction reliably for user side, with the wealth that guarantees the user realize value preserving ensure increment.
Fig. 1 shows the structure of financial services system of the present invention, and this financial services system 100 comprises some user sides 10, some financial institutions platform 30 and financial service platform 20 independently, wherein:
User side 10, it connects financial service platform 20 by wired or wireless mode communication.User side 10 can be communicating terminals such as computer, mobile phone, landline telephone.
Financial service platform 20, it is to be independent of the professional financial channel operation platform that traditional user side 10 and financial institution's platform 30 exist, can be the website landed for user side 10 or the call center of calling etc., services such as specialized financial Information, consulting and transaction are provided for user side 10.Described financial Information comprises information such as the guide, rank, market of financial product, can pass through figure, table, literal or digital form shows.User side 10 can be bought the financial product of each financial institution's platform 30 by financial service platform 20, comprises fund product, stock product, insurance products, gold product, foreign exchange product, credit product or trust products etc.Among the present invention, financial service platform 20 is used for being connected with some financial institutions platform 30 communications with some user sides 10, provides various financial product information to user side 10, and/or transmits the financial product transaction request of user sides 10 to financial institution's platform 30.Preferably, the financial product information that described financial service platform 20 provides 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., and the form of described financial product information can be text formatting, audio format or video format etc.Usually, financial service platform 20 obtains financial product information from financial institution's platform 30 after, offer user side 10 again after this financial product information examined, edits, so that provide specialty financial product information guiding reliably for user side 10.
Financial institution's platform 30 is used for the financial product transaction request according to user side 10, carries out the financial product transaction by described financial service platform 20 and user side 10.Described financial institution platform 30 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 30 absorbed operation in its financial product separately, for example security mechanism service platform is absorbed manages in stock product, fund product, insurance institution's service platform is absorbed in and is managed in insurance products etc., and each financial institution's platform 30 and own financial product information is converged to financial service platform 20 confession user sides 10 carry out reference, selection and the consumption of financial product.
In the present invention, financial service platform 20 has compiled the financial product information of all financial institution's platforms 30 such as fund, insurance, gold, trust, security, work in concert with all kinds of financial institutions platform 30, 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 20; 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 service platform 20 in the embodiments of the invention one, described financial service platform 20 and described user side 10 are connected with financial institution platform 30 communications, provide various financial product information to user side 10, and/or transmit the financial product transaction request of user sides to financial institution's platform 30, and transfer is handled user side 10 and is concluded the business with the financial product between financial institution's platform 30.Particularly, described financial service platform 20 further comprises:
Financial product information acquisition module 21 is used to obtain various financial product information.Preferably, financial product information acquisition module 21 can obtain various financial product information by each financial institution's platform 30 places, and the financial product information of being obtained is examined and edited.Certainly, financial product information acquisition module 21 can also obtain financial product information from other resource bodies, for example Internet resources etc.
Financial product information storage module 22 is used to store the financial product information that described financial product information acquisition module 21 is obtained.Financial product information storage module 22 is preferably information database.
Financial product information provides module 23, is used for according to user side 10 request or financial services system 100 preassigneds the financial product information of having stored being offered described user side 10.
Financial product transaction modules 24, be used to receive the financial product transaction request of described user side 10, and this financial product transaction request is handed to corresponding financial institution platform 30, and the financial product transaction between described user side 10 and the financial institution's platform 30 is handled in transfer.Financial product transaction modules 24 is used for user side 10 and realizes buying the network application of financial product, payment, ecommerce, group's consumption etc.
Fig. 3 shows the preferred structure of financial product transaction modules 24 in the embodiments of the invention one, and described financial product transaction modules 24 further comprises:
Transaction customization submodule 241 is used for realizing for described user side 10 personalized customization of financial product.Like this, financial service platform 20 can carry out organic assembling with inhomogeneous financial product, also can be but the product of affiliated different institutions carries out advantage integrates with like product, making things convenient for user side 10 customized personal financial business, thereby greatly enriched the kind of financial product.
Transaction payment submodule 242 is used for using bank card account information to carry out tranaction costs payment or predetermined payout payment for described user side 10.Preferably, user side 10 online payment full powers are ensured by the banking service platform aspect, when user side 10 is paid bank card account information such as filling in credit or debit card on the net, directly arrive the payment gateway of banking service platform, thereby ensured the safety of credit or debit card data and fund.
Transaction display sub-module 243 is used to show the transaction step between described user side 10 and the financial institution's platform 30.Like this, user side 10 is carried out each step transaction operation on financial service platform 20, and user side 10 can be supervised in person.
Transaction Inquiries submodule 244 is used for the financial product transaction data for user side 10 inquiries oneself, can be current transaction data, can be the historical trading data also, so that allow the user side 10 clear results that understand its financial product transaction.
Fig. 4 shows the structure of financial services system 100 in the embodiments of the invention two, the financial service platform 20 of this financial services system 100 further comprises: WEB service sub-platform 201, voice service sub-platform 202, short message service sub-platform 203, instant messaging service sub-platform 204, WAP service sub-platform 205 and/or other service sub-platforms 206, thus hold 10 comprehensive financial service channel is provided for users.Described user side 10 communications connect corresponding described service sub-platform to obtain the financial service of different communication modes, and promptly user side 10 can obtain the financial service of WEB communication modes, the financial service of speech communication mode, the financial service of SMS communication mode, the financial service of instant messaging mode, the financial service of WAP communication modes etc. at financial service platform 20.Preferably, described voice service sub-platform 202 is a call center system.
In the preferred embodiment as shown in Figure 5, the WEB of described financial service platform 20 service sub-platform 201 generally is meant the WEB website, and it further comprises:
Financial product search submodule 2011 is used for carrying out the search of various financial product information for described user side 10.Behind the relevant financial product keyword of input, financial product search submodule 2011 is searched for relevant financial product information immediately and is offered user side 10 in system in the search engine of user side 10 on WEB service sub-platform 201.
Financial product is analyzed comparison sub-module 2012, is used for comparing for the analysis that described user side 10 carries out various financial products according to various financial product information; Because financial service platform 20 can carry out a plurality of kinds of like product many-side contrast, 10 pairs of financial products of realization user side make comparisons consumption, transparent consumption.
Financial product comment submodule 2013, the review information that is used to import and show various financial products.Preferably, financial product comment submodule 2013 can be forum, blog etc.
User side 10 registration and/or land WEB service sub-platform 201 after, carry out the search of financial product information by financial product search submodule 2011, browse the guide, comment, rank inquiry, recommendation query, discount inquiry of financial product etc.Analyze comparison sub-module 2012 by financial product and carry out financial product relatively.For example by the fund counter, accumulative total net value, return on funds, dividend return rate, scale rate of change, the monetary fund income of inquiring about various fund products are so that the suitable fund product of user side 10 rational choices.
Financial institution's platform 30 is divided into banking service platform 31 again among Fig. 4, trust and investment mechanism service platform 32, insurance institution's service platform 33 or security mechanism service platform 34, every kind of financial institution's platform 30 is absorbed in its financial product service separately of operation, for example banking service platform 31 and security mechanism service platform 34 dabble in stocks, fund, gold product, trust and investment mechanism service platform 34 is managed trust products, insurance institution's service platform 33 is managed insurance products etc., and each financial institution's platform 30 and financial product information of oneself merged to financial service platform 20 is announced, carries out the selection and the transaction of various financial products for user side 10.What draw easily is that described financial product information comprises financial product information such as fund product information, stock product information, insurance products information, gold product information, foreign exchange product information, credit product information or trust products information.
The platform of financial service described in Fig. 4 20 also communication is connected with some financial agent sides 40, and described financial agent side 40 is generally the used communicating terminal of financial procurator of each financial institution, comprises computer, mobile phone or landline telephone etc.Described financial agent side 40 provides financial product information by described financial service platform 20 to user side 10, described user side 10 sends the financial product transaction request by described financial service platform 20 to described financial agent side 40, described financial agent side 40 is according to described financial product transaction request, and communication connects corresponding financial institution platform 30 and carries out the financial product transaction.Preferably, the financial product information acquisition module of described financial service platform 20 also can obtain various financial product information from each financial agent side 40, and the financial product information of being obtained is examined and edited.
Fig. 6 shows the flow process of financial service method of the present invention, and it realizes that by Fig. 1, Fig. 2 or financial services system shown in Figure 4 described financial service method comprises the steps:
Step S601, user side 10 communications connect financial service platform 20, ask flat 20 of described financial service that financial product information is provided, and/or send the financial product transaction request to financial service platform 20.
Step S602, financial service platform 20 returns financial product information to user side 10, and/or transmits the financial product transaction request of user side 10 to described financial institution platform 30.
Step S603, financial institution's platform 30 carries out the financial product transaction by financial service platform 20 and user side 10.
In summary, the present invention is by being provided with a financial service platform independently between user side and financial institution's platform, this financial service platform can provide specialty financial services such as financial Information, financial consultation and financial transaction reliably for user side, for users' financial consumption carries out specialized guidance, thereby become the professional financial channel operation platform that users carry out rational financial consumption, with 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.