CN105096195A - Account money amount processing method and system based on internet application platform - Google Patents
Account money amount processing method and system based on internet application platform Download PDFInfo
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Abstract
The invention provides an account money amount processing method based on an internet application platform. The method includes judging whether a user ID is corresponding to a zone bit indicating that the fixed follow-up input amount is set and searching and recording automatically an investment item matched with the preset configuration information corresponding to the user ID if the user ID is corresponding to said zone bit; detecting fund return events corresponding to the user ID, transferring the fund return money corresponding to the user ID to a collection account corresponding to the recorded investment item automatically if the fund return event is detected, and transferring the fund return money corresponding to the user ID to a deposit account corresponding to the user ID if no fund return event is detected. By adopting the method provided by the invention, automatic follow-up investment is realized efficiently. Besides, a large amount of money is not accumulated on the internet application platform, so that loss due to attack can be controlled. The invention also provides an account money amount processing system based on the internet application platform.
Description
Technical field
The present invention relates to field of computer technology, particularly relate to a kind of account fund Numerical Methods based on internet, applications platform and system.
Background technology
The fast development in recent years of internet finance, in the ascendant, there is various internets financial platform.Internet technology is applied to financial field by this kind of financial platform, is medium with internet, utilizes the known property of internet to attract fund to invest miscellaneous service or project from the public, and this participates in national economic development to promotion non-governmental capital and has quite positive effect.
Current user can receive returned money invest a certain project target in internet financial platform after at regular intervals, and this part returned money is generally proceed in the fund account of user, can withdraw deposit or manually select new project target to invest when user needs.But it is too low manually to select new project target to carry out efficiency of investment, and can cause a large amount of idle fund of accumulation in internet financial platform, if internet financial platform can be caused the monetary losses of a large number of users by malicious attack, security is low.
Summary of the invention
Based on this, be necessary that user manually selects new project target to carry out the low problem of efficiency of investment, provides a kind of account fund Numerical Methods based on internet, applications platform and system at present after receiving returned money.
Based on an account fund Numerical Methods for internet, applications platform, described method comprises:
Judge that whether user ID is corresponding and represent the zone bit having opened the locking of continuous investment golden number value, if so, then
Automatically the investment project object record that mate with the configuration information preset corresponding to described user ID is found;
Detect the fund returned money event corresponding to described user ID, when fund returned money event being detected, then in the collecting account automatically corresponding to preferential investment project object returned money fund numerical value corresponding to described user ID being proceeded to described record;
If not, then detecting the fund returned money event corresponding to user ID, when fund returned money event being detected, the returned money fund numerical value corresponding to described user ID being proceeded in the fund value storage account corresponding to described user ID.
Based on an account fund numerical value disposal system for internet, applications platform, it is characterized in that, described system comprises:
Judge module, represents for judging that whether user ID is corresponding the zone bit having opened the locking of continuous investment golden number value;
Investment project object searches module, if represent the zone bit having opened the locking of continuous investment golden number value for described user ID correspondence, then automatically finds the investment project object record that mate with the configuration information preset corresponding to described user ID;
Fund returned money event checking module, for detecting the fund returned money event corresponding to described user ID;
First fund numerical value proceeds to module, if represent the zone bit having opened the locking of continuous investment golden number value for described user ID correspondence, then when fund returned money event being detected, in the collecting account automatically corresponding to preferential investment project object returned money fund numerical value corresponding to described user ID being proceeded to described record;
Second fund numerical value proceeds to module, if opened the zone bit of continuous investment golden number value locking for the not corresponding expression of described user ID, then when fund returned money event being detected, the returned money fund numerical value corresponding to described user ID is proceeded in the fund value storage account corresponding to described user ID.
The above-mentioned account fund Numerical Methods based on internet, applications platform and system, user preset sets configuration information, when through judging that user ID correspondence has opened the zone bit of continuous investment golden number value locking, automatically search the investment project object record that mate with the configuration information corresponding to user ID, this investment project object encoding meets the investment target of customer investment wish.When fund returned money event being detected, automatically the returned money fund numerical value corresponding to this user ID being had precedence over other and correspondingly opened the returned money fund numerical value of the user ID of the zone bit of continuous investment golden number value locking and proceeded in the collecting account corresponding to investment project object recorded.And if the corresponding zone bit having opened the locking of continuous investment golden number value of user ID, then when fund returned money event being detected, this returned money fund numerical value being proceeded in the fund value storage account corresponding to this user ID, only storing this returned money fund numerical value.Achieve automatic continuous so efficiently to throw, and can not accumulation substantial contribution on internet, applications platform, the loss caused when being attacked is little.
Accompanying drawing explanation
Fig. 1 is the composition structural representation of internet financial platform in an embodiment;
Fig. 2 is the schematic flow sheet based on the account fund Numerical Methods of internet, applications platform in an embodiment;
Fig. 3 is the schematic flow sheet according to the step of the investment duration distribution stimulation fund numerical value of the investment project object of record in an embodiment;
Fig. 4 is the structured flowchart based on the account fund numerical value disposal system of internet, applications platform in an embodiment.
Embodiment
In order to make object of the present invention, technical scheme and advantage clearly understand, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein only in order to explain the present invention, be not intended to limit the present invention.
In one embodiment, provide a kind of account fund Numerical Methods based on internet, applications platform, the present embodiment is applied to internet financial platform to illustrate in this way.This internet financial platform can be P2P (PeertoPeer, individual is to individual) net borrows platform, P2P equity investment platform, internet project investment platform, directed fund platform, risk investment platform, local financing platform, financing platform, personalized lending platform etc., or can also be the combination of segmentation pattern mutation or more various ways of above various platform.
In the present embodiment, the hardware composition structure of internet financial platform as shown in Figure 1, internet financial platform comprises communication interface server, data processing server, data storage server and account management server, and internet financial platform is connected with user terminal by communication interface server.Wherein communication interface server is for the data that receive user terminal and send and other server process passed in internet financial platform, also for the data of other server in internet financial platform are sent to user terminal.Data processing server is used for carrying out data processing, and account management server for storing continuous throwing account and fund value storage account, and responds for the operation information received for these two kinds of accounts; The data that data storage server stores for the need storing other non-account.As shown in Figure 2, the account fund Numerical Methods based on internet, applications platform in the present embodiment specifically comprises the following steps:
Step 202, judges that whether user ID is corresponding and represents the zone bit having opened the locking of continuous investment golden number value, if then perform step 204, then perform step 208 if not.
User can obtain user ID after carrying out registration operation by user terminal in internet financial platform, and arranges this for identifying corresponding fund numerical value transfer pin.This user ID and corresponding fund numerical value transfer pin thereof is stored by data storage server.This user ID is used for unique identification user identity, can be made up of character.User has invested a certain project target after relying on this user ID to log in internet financial platform by user terminal in advance, can receive returned money by the cycle of agreement.The locking of continuous investment golden number value refers to and is locked by the returned money fund numerical value that is a certain or fully invested project corresponding to user ID, and user can not arbitrarily draw, and the returned money fund numerical value of this locking meets pre-conditioned project target by being automatically preferentially used for continuous throwing.
Zone bit can be used for representing whether opened a certain function, and in step 202, data processing server judges that user ID whether corresponding expression has opened continuous zone bit of investing the locking of golden number value, judges whether user has opened the function of continuous investment golden number value locking exactly.Available values 1 represents the zone bit opening the locking of continuous investment golden number value particularly, can represent the zone bit not opening the locking of continuous investment golden number value as 0 with the numeric ratio of non-1 simultaneously.Data storage server can be used for the corresponding relation storing user ID and zone bit, thus data processing server has opened continuous zone bit of investing the locking of golden number value by user ID whether corresponding expression of searching in data storage server, determine whether user has opened continuous investment golden number value lock function, thus perform different steps according to different judged results.
Step 204, finds the investment project object record that mate with the configuration information preset corresponding to user ID automatically.
The configuration information preset is the configuration information that user sets after relying on user ID to log in internet financial platform, can be stored on data storage server, this configuration information is for representing that user wishes the attribute that the project target object continuing investment should have.
In one embodiment, the configuration information of the default settings corresponding to user ID comprises default investment amount numerical value, presets and invest duration, default returned money cycle, default operating mode information, predetermined registration operation team information, at least one preset in earning rate, default risk factor and default guarantee information.Wherein preset investment duration and represent that the projects with qualified conditions target object of making an appointment needs total duration scope of occupied fund numerical value.The default returned money cycle represents that this project target object of making an appointment periodically returns returned money fund numerical value according to this default returned money cycle.Preset the fund numerical value amount for continuing investment that capital fund numeric representation user sets in advance.Preset risk factor and compare for the returned money fund numerical value summation of the project target object representing this and make an appointment the height that the probability reduced occurs capital fund numerical value total value, numeric representation can be used, also can with representing that the character of level of risks represents, as excessive risk, low-risk, devoid of risk etc.Default earning rate represents that the returned money fund numerical value total value of this project target object of making an appointment deducts the difference of capital fund numerical value, then divided by the ratio of capital fund numerical value total value.Preset guarantee information and comprise whether secured, can also assuring mode be comprised, such as personal guarantee, corporate surety, third party guarantees etc.Default operating mode information represents the fund numerical operation mode of this project target object, and predetermined registration operation team information represents the information of the team of this project target object of operation, such as Fund Company's title, scale etc.
When user ID is corresponding open the zone bit of continuous investment golden number value locking time, represent that user has opened automatic continuous and thrown and the continuous business of investing golden number value and automatically locking, now data processing server searches the investment project object mated with the configuration information corresponding to user ID automatically, to should user ID and record this investment project object found when finding.When finding the investment project object of the configuration information coupling corresponding with user ID, illustrating that this investment project object meets the investment demand of user preset setting, recording this investment project object to use in subsequent step.
In one embodiment, also comprise after step 204: locking represents the zone bit and/or lock arrangement information of having opened the locking of continuous investment golden number value.In the present embodiment, the expression corresponding to user ID is opened the zone bit locking of continuous investment golden number value locking, and/or by the configuration information the preset locking corresponding to user ID, this zone bit and this configuration information can not have been edited.Such one side can prevent from user from arbitrarily changing these settings the process of the investment data carried out according to this is gone wrong, and setting corresponding to this user ID also can be prevented by malicious modification, cause damage to user.
Step 206, detects the fund returned money event corresponding to user ID, when fund returned money event being detected, then in the collecting account automatically corresponding to preferential investment project object returned money fund numerical value corresponding to user ID being proceeded to record.
Data processing server can in real time or in the fund returned money event detected returned money day corresponding to this user ID of agreement, particularly by detect whether receive bank server by communication interface server send to should user ID notify to money the fund returned money event that detects corresponding to this user ID.
Data storage server can record the collecting account corresponding to investment project object that this has recorded.This collecting account is for bearing the investment amount numerical value of user, and this collecting account can be arranged in account management server, also can be arranged on bank server.When data processing server detects fund returned money event, can notify that the returned money fund numerical value corresponding to user ID proceeds in the collecting account corresponding to investment project object of record by account management server automatically, the automatic continuous achieving default investment amount numerical value is thrown.Wherein, returned money fund numerical value comprises returned money capital numerical value and returned money interest numerical value.And this correspondence has opened the returned money fund numerical value corresponding to user ID of the zone bit of continuous investment golden number value locking when proceeding to, compare other not corresponding capital fund numerical value having opened the user ID of the zone bit of continuous investment golden number value locking and there is the authority preferentially proceeding to this collecting account, to ensure that this user ID one is invested successfully surely, the fund numerical value avoiding this user ID corresponding accumulates the potential safety hazard caused in a large number on internet, applications platform.
Step 208, detecting the fund returned money event corresponding to user ID, when fund returned money event being detected, being proceeded in the fund value storage account corresponding to user ID by the returned money fund numerical value corresponding to user ID.
When the zone bit of continuous investment golden number value locking has been opened in the corresponding expression of user ID, represent that user does not open the function of continuous investment golden number value locking, now notify account management server, account management server is proceeded in the fund value storage account corresponding to user ID according to the returned money fund numerical value that the returned money event detected produces.This fund value storage account is for storing fund numerical value, and the fund numerical value stored in fund value storage account can be used for representing idle fund.Account management server can be received user and be withdrawn deposit instruction by the fund numerical value that user terminal sends, thus account management server can extract the fund numerical value that this fund numerical value is withdrawn deposit specified by instruction from fund value storage account, and the appointment fund numerical value extracted being proceeded to the bank capital value account that this fund numerical value withdraws deposit specified by instruction, bank capital value account can be stored on bank server.
The above-mentioned account fund Numerical Methods based on internet, applications platform, user preset sets configuration information, when through judging that user ID correspondence has opened the zone bit of continuous investment golden number value locking, automatically search the investment project object record that mate with the configuration information corresponding to user ID, this investment project object encoding meets the investment target of customer investment wish.When fund returned money event being detected, automatically the returned money fund numerical value corresponding to this user ID being had precedence over other and correspondingly opened the capital fund numerical value of the user ID of the zone bit of continuous investment golden number value locking and proceeded in the collecting account corresponding to investment project object recorded.And if the corresponding zone bit having opened the locking of continuous investment golden number value of user ID, then when fund returned money event being detected, this returned money fund numerical value being proceeded in the fund value storage account corresponding to this user ID, only storing this returned money fund numerical value.Achieve automatic continuous so efficiently to throw, and can not accumulation substantial contribution on internet, applications platform, the loss caused when being attacked is little.
In one embodiment, automatically the step in the collecting account corresponding to preferential investment project object returned money fund numerical value corresponding to user ID being proceeded to record comprises: automatically proceeded in the continuous throwing account corresponding to user ID by the returned money fund numerical value corresponding to user ID, and when the investment project object recorded is opened in collecting account automatically corresponding to preferential investment project object fund numerical value in continuous throwing account being proceeded to record.
Particularly, when fund returned money event being detected, notice account management server, account management server is made automatically first the returned money fund numerical value corresponding to user ID to be proceeded to the continuous throwing account corresponding to this user ID, in collecting account when the investment project object recorded is opened again corresponding to automatic investment project object fund numerical value in continuous throwing account being proceeded to record, and have when proceeding to have precedence over other corresponding opened the zone bit of continuous investment golden number value locking the capital fund numerical value corresponding to other user ID and proceed to the authority of collecting account.Wherein investment project object is opened and is referred to that this investment project object is activated, and is in the state that can receive the fund numerical value proceeded to.This is continuous throw account be used for when internet financial platform exists meet investment project object that user sets in advance time, instruction account management server is carried out the throwing of fund numerical value automatic continuous and is operated.The continuous fund numerical value stored in account of throwing is in the lock state within the default time limit, and the fund numerical value be in the lock state arbitrarily can not be drawn by user.In the present embodiment, when the investment project object recorded is not opened, temporarily returned money fund numerical value can be proceeded in continuous throwing account, this continuous account of throwing is different from common fund value storage account, can lock-out state be set as and arbitrarily can not be drawn by user, to guarantee to make a basket the investment project object meeting user's request.
In one embodiment, also comprise after step 206: the continuous state of drawing of throwing the returned money fund numerical value proceeded in account of mark is lock-out state, and the holding time setting lock-out state is preset duration.
In the present embodiment, account management server, after returned money fund numerical value being proceeded to continuous throwing account, be lock-out state, and the holding time setting lock-out state is preset duration by the status indication of drawing of the returned money fund numerical value proceeded to.Wherein draw the transfer referring to and answer user to ask to carry out fund numerical value.The state of drawing is that the fund numerical value of lock-out state cannot answer user to ask free transfer like this, but does not affect internet financial platform and use the continuous fund numerical value thrown in account to carry out automatic continuous throwing.Can avoid realizing fund numerical value automatic continuous because fund numerical value freely draws like this to throw, and be in the lock state the safety that can ensure fund numerical value in continuous throwing account.Moreover, after fund numerical value is locked, the business development personnel of internet financial platform the preset configuration information corresponding to user ID can develop business, with the investment demand of matching user as far as possible, increase the probability existed with the investment project object of the preset configuration information matches corresponding to user ID, thus the operation that fund numerical value automatic continuous is thrown is more efficient.
In one embodiment, also should comprise based on the account fund Numerical Methods of internet, applications platform: receive the continuous investment golden number value transfer request carrying fund numerical value to be transferred; According to continuous investment golden number value transfer request, from continuous throwing account, deduct fund numerical value to be transferred, and increase fund numerical value to be transferred in fund value storage account.
In one embodiment, account management server can after receiving the continuous investment golden number value transfer request carrying fund numerical value to be transferred, judge whether continuous total value of throwing the fund numerical value be not in the lock state in account is more than or equal to fund numerical value to be transferred, if then deduct the fund numerical value to be transferred be not in the lock state from continuous throwing account, and increase fund numerical value to be transferred in fund value storage account; Then attonity or return the failed feedback information of transfer if not.
In the present embodiment, account management server can receive that user terminal sent by communication interface server carry the continuous investment golden number value transfer request of fund numerical value to be transferred after, to input in the specific webpage that such as user provides in internet financial platform and after have submitted fund numerical value to be transferred, the user ID of carrying in continuous investment golden number value transfer request and fund numerical value transfer pin are verified, after being verified, from continuous throwing account, deduct fund numerical value to be transferred, then in fund value storage account, increase fund numerical value to be transferred.Achieve fund numerical value like this from continuous throwing account to the transfer of fund value storage account.
As shown in Figure 3, in one embodiment, also should comprise the step of the investment duration distribution stimulation fund numerical value of the investment project object according to record based on the account fund Numerical Methods of internet, applications platform, specifically comprise the following steps:
Step 302, obtains the investment duration of the investment project object of record.
Particularly, data processing server can obtain the investment duration with the investment project object of the preset configuration information matches corresponding to user ID from data storage server, and this investment duration represents that these investment project object needs take the continuous total duration throwing fund numerical value in account.
Step 304, according to the corresponding relation of the investment duration preset with excitation ratio, obtains the excitation ratio corresponding to investment duration of above-mentioned acquisition.
Data storage server has prestored the corresponding relation of investment duration and excitation ratio, data processing server can obtain the excitation ratio corresponding to investment duration of above-mentioned investment project object accordingly.The numerical value of excitation ratio can set in advance, and such as 0.15%, 0.3% or 0.45% etc., investment duration can be one month corresponding 0.15%, two months corresponding 0.3% and three months corresponding 0.45%. with the corresponding relation of excitation ratio
Step 306, calculates excitation fund numerical value according to the excitation ratio of the fund numerical value and acquisition that proceed to collecting account.
Particularly, data processing server can use default investment amount numerical value to be multiplied by the excitation ratio of above-mentioned acquisition to calculate excitation fund numerical value.
Step 308, proceeds to excitation fund numerical value in fund value storage account or continuous throwing account.
Particularly, data processing server notice account management server proceeds to calculating the excitation fund numerical value obtained in above-mentioned continuous throwing account or above-mentioned fund value storage account.In one embodiment, account management server can every Preset Time point or to be proceeded to by excitation fund numerical value every prefixed time interval and continuously throw in account or fund value storage account, data processing server can also be worked as when detecting that predeterminable event occurs, such as when the examination & verification of above-mentioned investment project object by time, excitation fund numerical value proceeds in continuous throwing account or fund value storage account by notice account management server.
In the present embodiment, according to the investment duration of investment project object, by proceeding to excitation fund numerical value in continuous throwing account or fund value storage account, more be ready to make user the continuous throwing business using internet financial platform to provide to increase the stability that internet financial platform runs continuous throwing business.
As shown in Figure 4, in one embodiment, provide a kind of account fund numerical value disposal system based on internet, applications platform, this system comprises: judge module 402, investment project object search module 404, fund returned money event checking module 406, first fund numerical value proceeds to module 408 and the second fund numerical value proceeds to module 410.
Judge module 402, represents for judging that whether user ID is corresponding the zone bit having opened the locking of continuous investment golden number value.
User can obtain user ID after carrying out registration operation by user terminal in internet financial platform, and arranges this for identifying corresponding this user ID of fund numerical value transfer pin for unique identification user identity, can be made up of character.User has invested a certain project target after relying on this user ID to log in internet financial platform by user terminal in advance, can receive returned money by the cycle of agreement.The locking of continuous investment golden number value refers to and is locked by the returned money fund numerical value that is a certain or fully invested project corresponding to user ID, and user can not arbitrarily draw, and the returned money fund numerical value of this locking meets pre-conditioned project target by being automatically preferentially used for continuous throwing.
Zone bit can be used for representing whether opened a certain function, and judge module 402 represents for judging that whether user ID is corresponding the zone bit having opened the locking of continuous investment golden number value, judges whether user has opened the function of continuous investment golden number value locking exactly.Available values 1 represents the zone bit opening the locking of continuous investment golden number value particularly, simultaneously can represent the zone bit not opening the locking of continuous investment golden number value with the numeric ratio of non-1 as 0, and store the corresponding relation of user ID and zone bit, user ID whether corresponding expression that judge module 402 can be used for by searching storage has opened continuous zone bit of investing the locking of golden number value, determine whether user has opened continuous investment golden number value lock function, thus realize different functions according to different judged results.
Investment project object searches module 404, if represent the zone bit having opened the locking of continuous investment golden number value for user ID correspondence, then automatically finds the investment project object record that mate with the configuration information preset corresponding to user ID.
The configuration information preset is the configuration information that user sets after relying on user ID to log in internet financial platform, can store in advance to take when needed.This configuration information is for representing that user wishes the attribute that the project target object continuing investment should have.
In one embodiment, the configuration information of the default settings corresponding to user ID comprises default investment amount numerical value, presets and invest duration, default returned money cycle, default operating mode information, predetermined registration operation team information, at least one preset in earning rate, default risk factor and default guarantee information.
When user ID is corresponding open the zone bit of continuous investment golden number value locking time, represent that user has opened automatic continuous and thrown and the continuous business of investing golden number value and automatically locking, now investment project object searches module 404 for automatically searching the investment project object mated with the configuration information corresponding to user ID, to should user ID and record this investment project object found when finding.When finding the investment project object of the configuration information coupling corresponding with user ID, illustrating that this investment project object meets the investment demand of user preset setting, recording this investment project object and using in order to other module.
In one embodiment, locking module 412 be should also comprising based on the account fund numerical value disposal system of internet, applications platform, zone bit and/or the lock arrangement information of the locking of continuous investment golden number value opened for locking expression.In the present embodiment, locking module 412 is for having opened the zone bit locking of continuous investment golden number value locking by the expression corresponding to user ID, and/or by the configuration information the preset locking corresponding to user ID, this zone bit and this configuration information can not be edited.Such one side can prevent from user from arbitrarily changing these settings the process of the investment data carried out according to this is gone wrong, and setting corresponding to this user ID also can be prevented by malicious modification, cause damage to user.
Fund returned money event checking module 406, for detecting the fund returned money event corresponding to user ID.
Particularly, fund returned money event checking module 406 can be used in real time or in the fund returned money event detected returned money day corresponding to this user ID of agreement, particularly by detect whether receive that bank server sends to should user ID notify to money the fund returned money event that detects corresponding to this user ID.
First fund numerical value proceeds to module 408, if represent the zone bit having opened the locking of continuous investment golden number value for user ID correspondence, then when fund returned money event being detected, in the collecting account automatically corresponding to preferential investment project object returned money fund numerical value corresponding to user ID being proceeded to record.
Can record the collecting account corresponding to investment project object that this has recorded in advance, this collecting account is for bearing the investment amount numerical value of user.When user ID correspondence represents the zone bit having opened the locking of continuous investment golden number value, first fund numerical value proceeds to module 408 and can be used for automatically being proceeded in the collecting account corresponding to investment project object of record by the returned money fund numerical value corresponding to user ID, and the automatic continuous achieving default investment amount numerical value is thrown.Wherein, returned money fund numerical value comprises returned money capital numerical value and returned money interest numerical value.And this correspondence has opened the returned money fund numerical value corresponding to user ID of the zone bit of continuous investment golden number value locking when proceeding to, compare other not corresponding capital fund numerical value having opened the user ID of the zone bit of continuous investment golden number value locking and there is the authority preferentially proceeding to this collecting account, to ensure that this user ID one is invested successfully surely, the fund numerical value avoiding this user ID corresponding accumulates the potential safety hazard caused in a large number on internet, applications platform.
Second fund numerical value proceeds to module 410, if opened the zone bit of continuous investment golden number value locking for the not corresponding expression of user ID, then when fund returned money event being detected, the returned money fund numerical value corresponding to user ID is proceeded in the fund value storage account corresponding to user ID.
When the zone bit of continuous investment golden number value locking has been opened in the corresponding expression of user ID, represent that user does not open the function of continuous investment golden number value locking, now the second fund numerical value proceeds to module 410 and proceeds in the fund value storage account corresponding to user ID for the returned money fund numerical value produced according to the returned money event detected.This fund value storage account is for storing fund numerical value, and the fund numerical value stored in fund value storage account can be used for representing idle fund.
The above-mentioned account fund numerical value disposal system based on internet, applications platform, user preset sets configuration information, when through judging that user ID correspondence has opened the zone bit of continuous investment golden number value locking, automatically search the investment project object record that mate with the configuration information corresponding to user ID, this investment project object encoding meets the investment target of customer investment wish.When fund returned money event being detected, automatically the returned money fund numerical value corresponding to this user ID being had precedence over other and correspondingly opened the capital fund numerical value of the user ID of the zone bit of continuous investment golden number value locking and proceeded in the collecting account corresponding to investment project object recorded.And if the corresponding zone bit having opened the locking of continuous investment golden number value of user ID, then when fund returned money event being detected, this returned money fund numerical value being proceeded in the fund value storage account corresponding to this user ID, only storing this returned money fund numerical value.Achieve automatic continuous so efficiently to throw, and can not accumulation substantial contribution on internet, applications platform, the loss caused when being attacked is little.
In one embodiment, first fund numerical value proceeds to module 408 and is also proceeded in the continuous throwing account corresponding to user ID by the returned money fund numerical value corresponding to user ID for automatic, and when the investment project object recorded is opened in collecting account automatically corresponding to preferential investment project object fund numerical value in continuous throwing account being proceeded to record.
Particularly, when fund returned money event being detected, first fund numerical value proceeds to module 408 for automatically first the returned money fund numerical value corresponding to user ID being proceeded to the continuous throwing account corresponding to this user ID, in collecting account when the investment project object that recorded is opened again corresponding to automatic investment project object fund numerical value in continuous throwing account being proceeded to record, and have when proceeding to have precedence over other corresponding opened the zone bit of continuous investment golden number value locking the capital fund numerical value corresponding to other user ID and proceed to the authority of collecting account.Wherein investment project object is opened and is referred to that this investment project object is activated, and is in the state that can receive the fund numerical value proceeded to.This is continuous throw account be used for when internet financial platform exists meet investment project object that user sets in advance time, carry out the throwing of fund numerical value automatic continuous and operate.The continuous fund numerical value stored in account of throwing is in the lock state within the default time limit, and the fund numerical value be in the lock state arbitrarily can not be drawn by user.In the present embodiment, when the investment project object recorded is not opened, temporarily returned money fund numerical value can be proceeded in continuous throwing account, this continuous account of throwing is different from common fund value storage account, can lock-out state be set as and arbitrarily can not be drawn by user, to guarantee to make a basket the investment project object meeting user's request.
In one embodiment, locking module 412 is also lock-out state for marking the continuous state of drawing of throwing the returned money fund numerical value proceeded in account, and the holding time setting lock-out state is preset duration.In the present embodiment, the state of drawing is that the fund numerical value of lock-out state cannot answer user to ask free transfer, but the fund numerical value do not affected in internet financial platform use continuous throwing account carries out automatic continuous throwing.Can avoid realizing fund numerical value automatic continuous because fund numerical value freely draws like this to throw, and be in the lock state the safety that can ensure fund numerical value in continuous throwing account.Moreover, after fund numerical value is locked, the business development personnel of internet financial platform the preset configuration information corresponding to user ID can develop business, with the investment demand of matching user as far as possible, increase the probability existed with the investment project object of the preset configuration information matches corresponding to user ID, thus the operation that fund numerical value automatic continuous is thrown is more efficient.
In one embodiment, this system also comprises fund numerical value shift module (not shown), the fund numerical value sent for receiving user terminal is withdrawn deposit instruction, thus can be used for extracting from fund value storage account the fund numerical value that this fund numerical value withdraws deposit specified by instruction, and the appointment fund numerical value extracted being proceeded to the bank capital value account that this fund numerical value withdraws deposit specified by instruction, bank capital value account can be stored on bank server.
In one embodiment, this fund numerical value shift module is also for receiving the continuous investment golden number value transfer request carrying fund numerical value to be transferred; According to continuous investment golden number value transfer request, from continuous throwing account, deduct fund numerical value to be transferred, and increase fund numerical value to be transferred in fund value storage account.In one embodiment, this fund numerical value shift module is also for after receiving the continuous investment golden number value transfer request carrying fund numerical value to be transferred, judge whether continuous total value of throwing the fund numerical value be not in the lock state in account is more than or equal to fund numerical value to be transferred, if then deduct the fund numerical value to be transferred be not in the lock state from continuous throwing account, and increase fund numerical value to be transferred in fund value storage account; Then attonity or return the failed feedback information of transfer if not.
In the present embodiment, fund numerical value shift module is used for after receiving the continuous investment golden number value transfer request carrying fund numerical value to be transferred, the user ID of carrying in continuous investment golden number value transfer request and fund numerical value transfer pin are verified, after being verified, from continuous throwing account, deduct fund numerical value to be transferred, then in fund value storage account, increase fund numerical value to be transferred.Achieve fund numerical value like this from continuous throwing account to the transfer of fund value storage account.
In one embodiment, should also comprise investment duration acquisition module 414, excitation ratio acquisition module 416, excitation fund Numerical Simulation Module 418 and excitation fund numerical value based on the account fund numerical value disposal system of internet, applications platform and proceed to module 420.
Investment duration acquisition module 414, for obtaining the investment duration of the investment project object of record.
Particularly, investment duration acquisition module 414 can be used for obtaining that store with investment duration that the is investment project object of the preset configuration information matches corresponding to user ID, and this investment duration represents that these investment project object needs take total duration of fund numerical value in continuous throwing account.
Excitation ratio acquisition module 416, for according to the corresponding relation of the investment duration preset with excitation ratio, obtains the excitation ratio corresponding to investment duration of above-mentioned acquisition.
Particularly, prestored investment duration and the corresponding relation of excitation ratio, encouraged ratio acquisition module 416 to can be used for the excitation ratio corresponding to investment duration obtaining above-mentioned investment project object accordingly.The numerical value of excitation ratio can set in advance, and such as 0.15%, 0.3% or 0.45% etc., investment duration can be one month corresponding 0.15%, two months corresponding 0.3% and three months corresponding 0.45%. with the corresponding relation of excitation ratio
Excitation fund Numerical Simulation Module 418, for calculating excitation fund numerical value according to the excitation ratio of the fund numerical value and acquisition that proceed to collecting account.
Particularly, fund Numerical Simulation Module 418 is encouraged to can be used for using default investment amount numerical value to be multiplied by the excitation ratio of above-mentioned acquisition to calculate excitation fund numerical value.
Excitation fund numerical value proceeds to module 420, for being proceeded to by excitation fund numerical value in fund value storage account or continuous throwing account.
Particularly, encourage fund numerical value to proceed to module 420 to can be used for proceeding to calculating the excitation fund numerical value obtained in above-mentioned continuous throwing account or above-mentioned fund value storage account.In one embodiment, excitation fund numerical value proceeds to module 420 and can be used for every Preset Time point or proceed in continuous throwing account or fund value storage account every prefixed time interval by excitation fund numerical value, can also be used for when detecting that predeterminable event occurs, such as when the examination & verification of above-mentioned investment project object by time, excitation fund numerical value is proceeded in continuous throwing account or fund value storage account.
In the present embodiment, according to the investment duration of investment project object, by proceeding to excitation fund numerical value in continuous throwing account or fund value storage account, more be ready to make user the continuous throwing business using internet financial platform to provide to increase the stability that internet financial platform runs continuous throwing business.
The above embodiment only have expressed several embodiment of the present invention, and it describes comparatively concrete and detailed, but therefore can not be interpreted as the restriction to the scope of the claims of the present invention.It should be pointed out that for the person of ordinary skill of the art, without departing from the inventive concept of the premise, can also make some distortion and improvement, these all belong to protection scope of the present invention.Therefore, the protection domain of patent of the present invention should be as the criterion with claims.
Claims (10)
1., based on an account fund Numerical Methods for internet, applications platform, described method comprises:
Judge that whether user ID is corresponding and represent the zone bit having opened the locking of continuous investment golden number value, if so, then
Automatically the investment project object record that mate with the configuration information preset corresponding to described user ID is found;
Detect the fund returned money event corresponding to described user ID, when fund returned money event being detected, then in the collecting account automatically corresponding to preferential investment project object returned money fund numerical value corresponding to described user ID being proceeded to described record;
If not, then detecting the fund returned money event corresponding to user ID, when fund returned money event being detected, the returned money fund numerical value corresponding to described user ID being proceeded in the fund value storage account corresponding to described user ID.
2. method according to claim 1, is characterized in that, describedly automatically finds the investment project object that mates with the configuration information preset corresponding to described user ID and after recording, also comprises:
Lock described expression opened the zone bit of continuous investment golden number value locking and/or locked described configuration information.
3. method according to claim 1, it is characterized in that, described configuration information comprises presets investment duration, default returned money cycle, default operating mode information, predetermined registration operation team information, at least one preset in earning rate, default risk factor and default guarantee information.
4. method according to claim 1, is characterized in that, in described collecting account automatically corresponding to preferential investment project object returned money fund numerical value corresponding to described user ID being proceeded to described record, comprising:
Automatically the returned money fund numerical value corresponding to described user ID is proceeded in the continuous throwing account corresponding to described user ID, and when the investment project object of described record is opened in collecting account automatically corresponding to preferential investment project object fund numerical value in described continuous throwing account being proceeded to described record.
5. the method according to claim 1-4 any one, is characterized in that, described method also comprises:
Obtain the investment duration of the investment project object of described record;
According to the corresponding relation of the investment duration preset with excitation ratio, obtain the excitation ratio corresponding to investment duration of described acquisition;
Excitation fund numerical value is calculated according to the excitation ratio of the fund numerical value and described acquisition that proceed to described collecting account;
Described excitation fund numerical value is proceeded in described fund value storage account or described continuous throwing account.
6., based on an account fund numerical value disposal system for internet, applications platform, it is characterized in that, described system comprises:
Judge module, represents for judging that whether user ID is corresponding the zone bit having opened the locking of continuous investment golden number value;
Investment project object searches module, if represent the zone bit having opened the locking of continuous investment golden number value for described user ID correspondence, then automatically finds the investment project object record that mate with the configuration information preset corresponding to described user ID;
Fund returned money event checking module, for detecting the fund returned money event corresponding to described user ID;
First fund numerical value proceeds to module, if represent the zone bit having opened the locking of continuous investment golden number value for described user ID correspondence, then when fund returned money event being detected, in the collecting account automatically corresponding to preferential investment project object returned money fund numerical value corresponding to described user ID being proceeded to described record;
Second fund numerical value proceeds to module, if opened the zone bit of continuous investment golden number value locking for the not corresponding expression of described user ID, then when fund returned money event being detected, the returned money fund numerical value corresponding to described user ID is proceeded in the fund value storage account corresponding to described user ID.
7. system according to claim 1, is characterized in that, described system also comprises locking module, has opened the zone bit of continuous investment golden number value locking for locking described expression and/or has locked described configuration information.
8. system according to claim 1, it is characterized in that, described configuration information comprises presets investment duration, default returned money cycle, default operating mode information, predetermined registration operation team information, at least one preset in earning rate, default risk factor and default guarantee information.
9. system according to claim 1, it is characterized in that, described first fund numerical value proceeds to module and is also proceeded in the continuous throwing account corresponding to described user ID by the returned money fund numerical value corresponding to described user ID for automatic, and when the investment project object of described record is opened in collecting account automatically corresponding to preferential investment project object fund numerical value in described continuous throwing account being proceeded to described record.
10. the system according to claim 1-4 any one, is characterized in that, described system also comprises:
Investment duration acquisition module, for obtaining the investment duration of the investment project object of described record;
Excitation ratio acquisition module, for according to the corresponding relation of the investment duration preset with excitation ratio, obtains the excitation ratio corresponding to investment duration of described acquisition;
Excitation fund Numerical Simulation Module, for calculating excitation fund numerical value according to the excitation ratio of the fund numerical value and described acquisition that proceed to described collecting account;
Excitation fund numerical value proceeds to module, for being proceeded in described fund value storage account or described continuous throwing account by described excitation fund numerical value.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410193697.9A CN105096195A (en) | 2014-05-08 | 2014-05-08 | Account money amount processing method and system based on internet application platform |
| PCT/CN2015/070474 WO2015169106A1 (en) | 2014-05-08 | 2015-01-09 | Account fund value processing method and system on internet financial platform, and storage medium |
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| CN201410193697.9A CN105096195A (en) | 2014-05-08 | 2014-05-08 | Account money amount processing method and system based on internet application platform |
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| WO (1) | WO2015169106A1 (en) |
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Application publication date: 20151125 |