CN107609978A - The experiencing system and its experiential method of a kind of investment and financing products - Google Patents
The experiencing system and its experiential method of a kind of investment and financing products Download PDFInfo
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Abstract
Present invention mainly discloses a kind of experiencing system of investment and financing products and its experiential method, including experience terminal, experience module, database, monitoring module and wireless communication module, experiencing module includes login module, financing module and transaction modules, monitoring module includes outside monitoring unit and internal control unit, outside monitoring unit includes face recognition device and Fingerprint Identification Unit, and internal control unit includes data capture unit, data analysis unit and alarm unit；User is bought by gathering user profile, login system, virtual coin, financing selection, income calculation, and trading processing and transaction supervision are experienced.The present invention can simulate various financing transaction, improve understanding of the user to finance product, the experience of increase customer investment financing, understand the situation of Profit of investment product in time, have higher authenticity, reliability and promptness.
Description
Technical field
The present invention relates to a kind of experiencing system of investment and financing products and its experiential method.
Background technology
Investment ＆ Financing refers to investor by reasonable arrangement fund, with such as savings, bank financial product, bond, base
The Investment ＆ Financing instrument pair such as gold, stock, futures, commodities physicals, foreign exchange, real estate, insurance, gold, P2P, culture and art work
Personal, family and enterprises and institutions' assets are managed and distributed, and reach the purpose of value preserving and appreciation, so as to accelerate the increasing of assets
It is long.The word of Investment ＆ Financing one, the space in a newspaper of phase early 1990s is seen earliest.With the dilatation of Chinese Stock bond market, business
The rising year by year that industry bank, the increasingly abundant and citizen of retail trade totally take in, " financing " concept are gradually sold well.With the modern times
The development of social economy, people more and more no longer only meet this income of the obtained wage of working, and are desirable to pass through
The mode of some financings obtains more sources of finance.Therefore people launch sight and have arrived the finance with high yield excessive risk
The stock in market, such as stock market, the fund of Fund Company, the security of country or some authority releases, all become investor
The bright spot of investment.But some limited funds, the information of finance product is understood it is few, for numerous finance products,
It is difficult to rationally therefrom select to be adapted to the finance product of oneself, easily follows popular blind investment, so as to cause to take a bath, therefore
Numerous investors are intended to some related tutoring systems or experiencing system, allow investor to will be seen that numerous financing items
Mesh, the transaction of finance product is experienced, without undertaking any risk, be without fear of an attack from the rear.When familiar with understanding Investment ＆ Financing
Product after enter back into real investment deal.The investment and financing products experiencing system provided in the prior art, typically in root
According to the current investment situation of user, Investment ＆ Financing is carried out according to system parameter set in advance, simply simulates some data,
Without source that truly can be high and timely information updating behavior, the phenomenon with reality derailing is produced, the authenticity of experience is not high,
Reliability is not strong, after needing to wait for certain time, then informs the income and damage situations of the current trading experiencing of user, and information understands not
In time, user's inconvenience has been brought to a certain extent.
The content of the invention
It is an object of the invention to many deficiencies for prior art, there is provided a kind of experiencing system of investment and financing products
And its experiential method, various financing transaction are simulated, improve understanding of the user to finance product, the warp of increase customer investment financing
Test, do not limited by fund, it is not necessary to undertake any risk, understand the situation of Profit of investment product in time, have higher
Authenticity, reliability and promptness, user is effectively helped to learn the transaction of investment and financing products.
In order to solve the above-mentioned technical problem, the present invention adopts the following technical scheme that：
A kind of experiencing system of investment and financing products, including experience terminal, the experience module being arranged in experience terminal, number
According to storehouse, monitoring module and wireless communication module, experience module, database, monitoring module and wireless communication module are sequentially connected, body
Testing module includes login module, financing module and transaction modules, and login module, financing module and transaction modules are sequentially connected, handed over
Easy module includes Service Processing Module and income calculation module, and monitoring module includes outside monitoring unit and internal control unit,
Outside monitoring unit includes face recognition device and Fingerprint Identification Unit, and face recognition device and Fingerprint Identification Unit are with database and wirelessly
Communication module connects, and internal control unit includes data capture unit, data analysis unit and alarm unit, data acquisition list
Member, data analysis unit and alarm unit are sequentially connected, and data capture unit is also connected with database.
Experience terminal is used for the transaction request for showing that user submits, and feedback result, and login module is used for the information of user
Registering and logging, financing module is used for the information for collecting, analyzing various finance products, and carries out the design of financing scheme, merchandises
Module is used to carry out investment and financing products various transactional operations, and the transaction that Service Processing Module is used to receive user's submission please
Ask, and carry out examination ＆ verification processing, income calculation module is used to calculate income or impaired of the user as obtained by investment and financing products
Situation, database are used to receiving and storing the letter in the finance product information in the external world, login module, financing module and transaction modules
The operation of the relevant historical of breath and investment operation and detail, monitoring module are used for login and the money of investment product for monitoring user
Change conditions are produced, wireless communication module is used to the warning information occurred in experiencing system being sent to user, so that user is timely
Understand information changing situation.
Further, login module includes information unit and logs in unit, and information unit and login unit connect with database
Connect.Information unit is used for the essential information, log-on message and personal asset information for gathering user, and is sent in database and stores up
Deposit.Logged in during login according to the log-on message of matching using logging in unit and use.The personal asset information of typing is easy to manage
Wealth module customized eligible investment finance product scheme, has more experiencing system and is directed to according to the personal considerations of user
Property.
Further, financing module includes data collection module, investment risk analysis unit and conceptual design unit, and data are received
Collection unit, investment risk analysis unit and conceptual design unit are connected with database.Data collection module is used to receive from the external world
Collect the information of various finance products, such as historical trading data, historical yield situation etc., and be sent in database storage and more
Newly, upgrade in time data, is consistent with the external world, avoids the hysteresis quality of information；Investment risk analysis unit, which is used to analyze, to be stored
The information of various finance products in database, risk case grade and property are formed according to historical data, and are sent to number
According to being stored in storehouse, conceptual design unit is used to obtain personal information and the related data of finance product from database, and generates throwing
Capital's case.When user needs to carry out investment and financing products, the product and history cycle of investment are voluntarily selected according to capital project,
Avoid blindly following masses, investment has more objectivity, actual experience investment and financing products trading, has higher reliability.
Further, Service Processing Module includes receiving unit, examination ＆ verification unit and processing unit, receiving unit, examination ＆ verification unit
It is sequentially connected with processing unit.Receiving unit is used to receive the transaction application that user is submitted, and is then sent to transaction application
Examination ＆ verification unit is audited, and user is confirmed the submission request of oneself again, is prevented maloperation and information solicitation mistake,
Examination ＆ verification passes through, then the submission request of user is sent into processing unit；Otherwise, refusal is dealt with.
Further, experience module also includes report generation module and AC module, and report generation module is used to investigate user
Experience gains in depth of comprehension and suggestion feedback, using anonymous questionnaire investigate form, receive Consumer's Experience test and appraisal information, feedback user use
The gains in depth of comprehension of this experiencing system and suggestion, further to be made improvements to this experiencing system；AC module includes expert consulting list
Member and forum's alternating current unit, expert consulting unit are used for the financing expert of on-line consulting one to one, and user is in terms of financing is run into
The problem of when, may be selected to answer the problem of user proposes online to financing expert consulting, financing expert, and given according to user situation
Go out financing to suggest, recommend the product of various financings；Forum's alternating current unit uses Investment ＆ Financing for the discussion between friend, exchange
The user of the experiencing system of product has a lot, individually sets up forum's alternating current unit, allow it is with a common goal, investment identical product
People can mutually be exchanged, be learnt, it is horizontal to improve the Investment ＆ Financing of overall user, builds good discussion academic environment.
A kind of experiential method of the experiencing system of investment and financing products, it is characterised in that：Including：
(1) gather user profile, user using information unit input user personal information, including personal asset information and
Log-on message, and using face recognition device and Fingerprint Identification Unit input personal fingerprint and face feature, carry out secrecy processing, place
Security information is sent in database after reason is good and stored；
(2) login system, user is logged in using the log-on message of prior typing by logging in unit, while utilizes face
The face feature or fingerprint characteristic of portion's identifier either Fingerprint Identification Unit collection user, is then carried out with the feature of prior typing
Contrast, if contrast is consistent, the management of personal money page is entered, if contrast is inconsistent, will be logged in and believed by wireless communication module
Breath is sent in the mobile phone of the advance typing of user, and the management of personal money page is entered back into after confirming phone；
(3) virtual coin is bought, and after entering the management of personal money page, user buys according to the realized property situation of individual
It is used for consuming with the virtual coin that itself property matches；Without actual wealth, property loss is avoided the occurrence of；
(4) financing selection, the information of each finance product of data collection module real-time collecting in the market, is subsequently sent to count
According to being stored in storehouse, the product data in storehouse are updated the data, the data in database is consistent with extraneous product data, utilizes throwing
Money risk analysis unit is analyzed each product in database, then forms risk thing according to the historical data of product
Part grade and property, and be sent in database and store, conceptual design unit extracts personal information and product letter from database
Breath, generates capital project, and user selects the product and history cycle of investment according to capital project；
(5) income calculation, the finance product selected according to user, certain financing of customer investment in certain time is calculated
The investment return or condition in damaged of the Transaction Income of product and the output aggregate of customer investment, and form or figure is made,
User checks the investment situation of itself by income statement or payoff diagram；
(6) trading processing, according to income statement or payoff diagram, user carries out various places using transaction modules to finance product
Reason, such as sell, buy in, receiving unit receives the transaction application that user is submitted, and it is single that transaction application then is sent into examination ＆ verification
Member is audited, and is allowed user to reaffirm the submission request of oneself, is prevented maloperation and information solicitation mistake, if examination ＆ verification is logical
Cross, then the submission request of user is sent into processing unit is handled；Otherwise, refusal is dealt with；
(7) transaction supervision, during step (6) trading processing, obtained in real time using data capture unit each in transaction
Then the data got are sent to data analysis unit and analyzed by kind of data, data analysis unit by transaction data with
The variation amount of the amount of money set in advance and cycle time are contrasted, once dealing money exceedes setting amount or transaction week
Phase has reached the setting cycle, then the data of exception are sent to user by data analysis unit by wireless communication module, make user
Asset transition situation is understood in time.
Further, in addition to suggest and feed back, after having experienced investment and financing products, user is used by report generation module
The mode of anonymous questionnaire investigation fills in use gains in depth of comprehension and the suggestion feedback of oneself.
Further, in addition to consulting is with exchanging, and during the trading processing of above-mentioned steps (6), user is running into financing side
Can also be managed money matters expert during the problem of face by the on-line consulting one to one of expert consulting unit, and financing expert answers user online
The problem of proposition, and provide financing according to client circumstances and suggest, recommend the product of various financings；Or exchanged by forum single
Member, cross streams mutual with others experience user, discussion, study.
The present invention is by adopting the above-described technical solution, have the advantages that：
Experience terminal is used for the transaction request for showing that user submits, and feedback result, and login module is used for the information of user
Registering and logging, financing module is used for the information for collecting, analyzing various finance products, and carries out the design of financing scheme, merchandises
Module is used to carry out investment and financing products various transactional operations, and the transaction that Service Processing Module is used to receive user's submission please
Ask, and carry out examination ＆ verification processing, income calculation module is used to calculate income or impaired of the user as obtained by investment and financing products
Situation, database are used to receiving and storing the letter in the finance product information in the external world, login module, financing module and transaction modules
The operation of the relevant historical of breath and investment operation and detail, monitoring module are used for login and the money of investment product for monitoring user
Change conditions are produced, wireless communication module is used to the warning information occurred in experiencing system being sent to user, so that user is timely
Understand information changing situation.
User inputs personal information, proprietary information, the log-on message etc. of itself beforehand through information unit, is easy to follow-up
Login and the conceptual design of Investment ＆ Financing, so as to the personal considerations according to user, customized eligible investment finance product
Scheme, make experiencing system more targeted.When being logged in by logging in unit, using outside monitoring unit further to
Family carries out the checking of identity, it is ensured that the uniqueness of user, prevents other people from arbitrarily logining account and being operated；
Consumed by virtual coin, it is consistent with real consumption, with more authenticity and property of participation, utilize module of managing money matters
The information of various finance products, such as the relevant information of stock, the relevant information of fund distribution company etc. are collected from the external world in real time,
And be sent in database, upgrade in time data, is consistent with extraneous product, avoids the hysteresis quality of information so that this experience
System and external information intercommunication, have with the product issued on the market as earning rate and risk status, can be carried to user
For newest investment and financing products and suitable financing scheme, there is higher authenticity, real-time and reliability, can basis
Own situation independently selects the product and history cycle of eligible investment, avoids blindly following masses, improves the objectivity of investment
And stability；When carrying out various transaction using transaction modules, also have the function that to audit again, the correct nothing of each transaction of going bail for
By mistake, avoid the occurrence of maloperation, at the same user can also by income calculation module come freely inquire about in certain time some or
The situation of Profit of multiple finance products, the operation dished out or bought in is made in time, avoid letting slip a golden opportunity；Monitoring system monitoring is handed over
Each operation when easily, once there is the operation beyond predetermined value, just notifies user immediately, allows user to understand itself in time and throws
Money situation, improve the security of operation.
A kind of experiencing system of investment and financing products of the present invention, various financing transaction are simulated, user is improved and financing is produced
The understanding of product, the experience of increase customer investment financing, is not limited by fund, it is not necessary to is undertaken any risk, is understood in time
The situation of Profit of investment product, there is higher authenticity, reliability and promptness, effectively help user to learn Investment ＆ Financing production
The transaction of product.
Brief description of the drawings
The invention will be further described below in conjunction with the accompanying drawings：
Fig. 1 is a kind of structural representation of the experiencing system of investment and financing products of the present invention；
Fig. 2 is managed money matters in the present invention module and the annexation figure of database；
Fig. 3 is the structured flowchart of Service Processing Module in the present invention；
Fig. 4 is the structured flowchart of AC module in the present invention；
Fig. 5 is the structured flowchart of monitoring module in the present invention；
Fig. 6 is the experiential method flow chart of the present invention.
Reference：1st, terminal is experienced；11st, module is experienced；2nd, database；3rd, monitoring module；31st, outside monitoring unit；
32nd, internal control unit；33rd, face recognition device；34th, Fingerprint Identification Unit；35th, data capture unit；36th, data analysis unit；
37th, alarm unit；4th, wireless communication module；5th, login module；51st, information unit；52nd, unit is logged in；6th, financing module；61、
Data collection module；62nd, investment risk analysis unit；63rd, conceptual design unit；7th, transaction modules；71st, Service Processing Module；
711st, receiving unit；712nd, unit is audited；713rd, processing unit；72nd, income calculation module；8th, report generation module；9th, exchange
Module；91st, expert consulting unit；92nd, forum's alternating current unit.
Embodiment
As shown in figure 1, a kind of experiencing system of investment and financing products, including experience terminal 1, be arranged in experience terminal 1
Experience module 11, database 2, monitoring module 3 and wireless communication module 4, experience module 11, database 2, the and of monitoring module 3
Wireless communication module 4 is sequentially connected, and experience terminal 1 is used for the transaction request for showing that user submits, and feedback result；Experience module
11 include login module 5, financing module 6 and transaction modules 7, and login module 5, financing module 6 and transaction modules 7 are sequentially connected,
Login module 5 is used for information registering and the login of user, and login module 5 includes information unit 51 and logs in unit 52, information list
Member 51 and login unit 52 are connected with database 2.Information unit 51 is used to gathering the essential information of user, log-on message and individual
People's assets information, and be sent in database 2 and store.Using logging in unit 52 using entering according to the log-on message of matching during login
Row logs in, and the personal asset information of typing is easy to personal considerations of the module 6 according to user that manage money matters, customized eligible investment reason
Wealth products scheme, make experiencing system more targeted.Financing module 6 is used for the information for collecting, analyzing various finance products, and
The design of financing scheme is carried out, transaction modules 7 are used to carry out investment and financing products various transactional operations, Service Processing Module
71 are used to receive the transaction request that user submits, and carry out examination ＆ verification processing；Database 2 is used for the financing production for receiving and storing the external world
Product information, login module 5, financing module 6 and information in transaction modules 7 and the operation of the relevant historical of investment operation and bright
Carefully；Transaction modules 7 include Service Processing Module 71 and income calculation module 72, and income calculation module 72 passes through for calculating user
Income or damage situations obtained by investment and financing products.
As shown in figure 5, monitoring module 3 is used for login and the asset transition situation of investment product for monitoring user, monitoring
Module 3 includes outside monitoring unit 31 and internal control unit 32, and outside monitoring unit 31 includes face recognition device 33 and fingerprint
Identifier 34, face recognition device 33 and Fingerprint Identification Unit 34 are connected with database 2 and wireless communication module 4, internal control list
Member 32 includes data capture unit 35, data analysis unit 36 and alarm unit 37, data capture unit 35, data analysis unit
36 and alarm unit 37 be sequentially connected, data capture unit 35 is also connected with database 2.Wireless communication module 4 is used for will experience
The warning information occurred in system is sent to user, so that user understands information changing situation in time.
As shown in Fig. 2 financing module 6 includes data collection module 61, investment risk analysis unit 62 and conceptual design list
Member 63, data collection module 61, investment risk analysis unit 62 and conceptual design unit 63 are connected with database 2.Data are received
Collect the information that unit 61 is used to collect various finance products from the external world, such as historical trading data, historical yield situation etc., concurrently
It is sent in database 2 and stores and update, upgrades in time data, is consistent with the external world, avoids the hysteresis quality of information；Investment risk
Analytic unit 62 is used for the information for analyzing the various finance products being stored in database 2, and risk thing is formed according to historical data
Part grade and property, and be sent in database 2 and store, conceptual design unit 63 be used for from database 2 obtain personal information and
The related data of finance product, and generate capital project.When user needs to carry out investment and financing products, according to capital project certainly
The product and history cycle of row selection investment, avoid blindly following masses, investment has more objectivity, actual experience Investment ＆ Financing
Product trading, there is higher reliability.
As shown in figure 3, Service Processing Module 71 includes receiving unit 711, examination ＆ verification unit 712 and processing unit 713, receive
Unit 711, examination ＆ verification unit 712 and processing unit 713 are sequentially connected.Receiving unit 711 is used to receive the transaction that user is submitted
Application, transaction application is then sent to examination ＆ verification unit 712 and audited, user is confirmed the submission request of oneself again,
Maloperation and information solicitation mistake are prevented, examination ＆ verification passes through, then the submission request of user is sent into processing unit 713；It is no
Then, refusal is dealt with.
As shown in figure 1, experience module 11 also includes report generation module 8 and AC module 9, report generation module 8 is used for
Experience gains in depth of comprehension and the suggestion feedback of user is investigated, the form investigated using anonymous questionnaire, receives Consumer's Experience test and appraisal information, feedback
Gains in depth of comprehension and suggestion of the user using this experiencing system, further to be made improvements to this experiencing system.As shown in figure 4, exchange
Module 9 includes expert consulting unit 91 and forum's alternating current unit 92, and expert consulting unit 91 is managed for on-line consulting one to one
Wealth expert, when user is run into terms of financing the problem of, it may be selected to financing expert consulting, financing expert answers what user proposed
Problem, and financing is provided according to user situation and suggested, recommend the product and scheme of various financings；Forum's alternating current unit 92 is used for friend
Discussion, exchange between friend, are had much using the user of the experiencing system of investment and financing products, and it is single individually to set up forum's exchange
Member 92, with a common goal, investment identical product people can mutually be exchanged, be learnt, improves the investment reason of overall user
Wealth is horizontal, builds good discussion academic environment.
As shown in fig. 6, a kind of experiential method of the experiencing system of investment and financing products, including：
(1) user profile is gathered, user inputs the personal information of user, including personal asset information using information unit 51
And log-on message, and personal fingerprint and face feature are inputted using face recognition device 33 and Fingerprint Identification Unit 34, maintained secrecy
Security information, is sent in database 2 and stores by processing after handling well；
(2) login system, user are logged in by logging in unit 52 using the log-on message of prior typing, utilized simultaneously
Face recognition device 33 either Fingerprint Identification Unit 34 gather user face feature or fingerprint characteristic, then with the spy of prior typing
Sign is contrasted, if contrast is consistent, enters the management of personal money page, will by wireless communication module 4 if contrast is inconsistent
Log-on message is sent in the mobile phone of the advance typing of user, and the management of personal money page is entered back into after confirming phone；
(3) virtual coin is bought, and after entering the management of personal money page, user buys according to the realized property situation of individual
It is used for consuming with the virtual coin that itself property matches；
(4) financing selects, the information of each finance product of real-time collecting in the market of data collection module 61, such as stock
Relevant information, including this stock is in the BVPS on the same day, ceiling price, lowest price, exchange hand, turnover, go through
History data etc.；The relevant information of fund distribution company, historical trading data, historical yield situation etc., investment and financing products include：
Fund, stock, bond, savings, futures, real estate, insurance, precious metal etc.；Then the information of these finance products is sent
Stored into database 2, update the data the product data in storehouse 2, the data in database 2 is kept one with extraneous product data
Cause, avoid the hysteresis quality of information so that this experiencing system and external information intercommunication, with the product issued on the market with as
Earning rate, newest investment and financing products can be provided to client, there is higher authenticity, real-time and reliability；Utilize
Investment risk analysis unit 62 is analyzed each product in database 2, is then formed according to the historical data of product
Risk case grade and property, and be sent in database 2 and store, conceptual design unit 63 extracts personal letter from database 2
Breath and product information, generate a variety of capital projects, and user arbitrarily selects the product of desired investment according to capital project and gone through
The history cycle；
(5) income calculation, the finance product selected according to user, certain financing of customer investment in certain time is calculated
The investment return or condition in damaged of the Transaction Income of product and the output aggregate of customer investment, and form or figure is made,
User checks the investment situation of itself by income statement or payoff diagram；
(6) trading processing, according to income statement or payoff diagram, user is carried out various using transaction modules 7 to finance product
Processing, such as sell, buy in, receiving unit 711 receives the transaction application that user is submitted, and is then sent to transaction application
Examination ＆ verification unit 712 is audited, and allows user to reaffirm the submission request of oneself, prevents maloperation and information solicitation is wrong
By mistake, if examination ＆ verification passes through, the submission request of user is sent to processing unit 713 and handled；Otherwise, refusal is dealt with,
Prevent maloperation and information solicitation mistake；
When during transaction or run into terms of financing the problem of, user can also be seeked advice from and be exchanged, and pass through expert
The on-line consulting one to one of unit 91 financing expert is seeked advice from, financing expert answers the problem of user proposes online, and according to client
Situation provides financing and suggested, recommends the product of various financings；Or by forum's alternating current unit 92, experience user is mutual with others
Cross streams, discussion, study.
(7) transaction supervision, the various data in transaction is obtained in real time using data capture unit 35, then will be got
Data are sent to data analysis unit 36 and analyzed, and data analysis unit 36 is by the change of transaction data and the amount of money set in advance
Dynamic amount and cycle time are contrasted, once dealing money exceedes setting amount or transaction cycle has reached the setting cycle,
Then the data of exception are sent to user by data analysis unit 36 by wireless communication module 4, user is understood assets change in time
Emotionally condition.
It is recommended that with feedback, after having experienced investment and financing products, user is investigated by report generation module 8 using anonymous questionnaire
Mode fill in use gains in depth of comprehension and the suggestion feedback of oneself.
The specific embodiment of the present invention is these are only, but the technical characteristic of the present invention is not limited thereto.It is any with this hair
Based on bright, to solve essentially identical technical problem, essentially identical technique effect is realized, made ground simple change, etc.
With replacement or modification etc., all it is covered by among protection scope of the present invention.
Claims (8)
- A kind of 1. experiencing system of investment and financing products, it is characterised in that：Including experience terminal (1), it is arranged on experience terminal (1) Interior experience module (11), database (2), monitoring module (3) and wireless communication module (4), the experience module (11), data Storehouse (2), monitoring module (3) and wireless communication module (4) are sequentially connected, and the experience module (11) includes login module (5), reason Wealth module (6) and transaction modules (7), the login module (5), financing module (6) and transaction modules (7) are sequentially connected, described Transaction modules (7) include Service Processing Module (71) and income calculation module (72), and the monitoring module (3) includes outside monitor Unit (31) and internal control unit (32), the outside monitoring unit (31) include face recognition device (33) and Fingerprint Identification Unit (34), the face recognition device (33) and Fingerprint Identification Unit (34) are connected with database (2) and wireless communication module (4), institute Stating internal control unit (32) includes data capture unit (35), data analysis unit (36) and alarm unit (37), the number It is sequentially connected according to acquiring unit (35), data analysis unit (36) and alarm unit (37), the data capture unit (35) is also It is connected with database (2).
- A kind of 2. experiencing system of investment and financing products according to claim 1, it is characterised in that：The login module (5) include information unit (51) and log in unit (52), described information unit (51) and login unit (52) with database (2) Connection.
- A kind of 3. experiencing system of investment and financing products according to claim 1, it is characterised in that：The financing module (6) data collection module (61), investment risk analysis unit (62) and conceptual design unit (63), the Data Collection list are included First (61), investment risk analysis unit (62) and conceptual design unit (63) are connected with database (2).
- A kind of 4. experiencing system of investment and financing products according to claim 1, it is characterised in that：The business processing mould Block (71) includes receiving unit (711), examination ＆ verification unit (712) and processing unit (713), and the receiving unit (711), examination ＆ verification are single First (712) and processing unit (713) are sequentially connected.
- A kind of 5. experiencing system of investment and financing products according to claim 1, it is characterised in that：The experience module (11) also include report generation module (8) and AC module (9), the AC module (9) include expert consulting unit (91) and Forum's alternating current unit (92).
- A kind of 6. experiential method of the experiencing system of investment and financing products, it is characterised in that：Including：(1) gather user profile, user using information unit (51) input user personal information, including personal asset information and Log-on message, and using face recognition device (33) and Fingerprint Identification Unit (34) input personal fingerprint and face feature, protected Close processing, security information is sent in database (2) after handling well and stored；(2) login system, user is logged in using the log-on message of prior typing by logging in unit (52), while utilizes face Portion's identifier (33) either Fingerprint Identification Unit (34) collection user face feature or fingerprint characteristic, then with prior typing Feature is contrasted, if contrast is consistent, is entered the management of personal money page, if contrast is inconsistent, is passed through wireless communication module (4) log-on message is sent in the mobile phone of the advance typing of user, the management of personal money page is entered back into after confirming phone；(3) virtual coin is bought, after entering the management of personal money page, user according to the realized property situation of individual, buy with from The virtual coin that body property matches is used for consuming；(4) financing selection, the information of each finance product of data collection module (61) real-time collecting in the market, is subsequently sent to count Stored according in storehouse (2), update the data the product data of storehouse (2), the data in database (2) is kept one with extraneous product data Cause, each product in database (2) is analyzed using investment risk analysis unit (62), then going through according to product History data form risk case grade and property, and are sent in database (2) and store, and conceptual design unit (63) is from database (2) extraction personal information and product information in, generate capital project, and user selects the product of investment according to capital project and gone through The history cycle；(5) income calculation, the finance product selected according to user, certain finance product of customer investment in certain time is calculated Transaction Income and customer investment output aggregate investment return or condition in damaged, and form or figure, user is made The investment situation of itself is checked by income statement or payoff diagram；(6) trading processing, according to income statement or payoff diagram, user carries out various places using transaction modules (7) to finance product Reason, such as sell, buy in, receiving unit (711) receives the transaction application that user is submitted, and is then sent to transaction application careful Nuclear unit (712) is audited, and allows user to reaffirm the submission request of oneself, prevents maloperation and information solicitation is wrong By mistake, if examination ＆ verification passes through, the submission request of user is sent to processing unit (713) and handled；Otherwise, refusal makees source Reason；(7) transaction supervision, during step (6) trading processing, obtained in real time using data capture unit (35) each in transaction Then the data got are sent to data analysis unit (36) and analyzed by kind data, data analysis unit (36) will be handed over Easy data are contrasted with the variation amount of the amount of money set in advance and cycle time, once dealing money exceed set amount or Person's transaction cycle has reached the setting cycle, then data analysis unit (36) sends out the data of exception by wireless communication module (4) User is given, user is understood asset transition situation in time.
- A kind of 7. experiential method according to claim 6, it is characterised in that：Also include suggesting and feeding back, experienced investment After finance product, user report generation module (8) using anonymous questionnaire investigation by way of fill in use the gains in depth of comprehension of oneself with Suggestion feedback.
- A kind of 8. experiential method according to claim 6, it is characterised in that：Also include consulting with exchanging, in above-mentioned steps (6), can also be one-to-one by expert consulting unit (91) when user is run into terms of financing the problem of during trading processing Ground on-line consulting financing expert, financing expert answers the problem of user proposes online, and provides financing according to client circumstances and suggest, Recommend the product of various financings；Or pass through forum's alternating current unit (92), cross streams mutual with others experience user, discussion, Practise.
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