CN108230122A - A kind of interactive financing system and method - Google Patents
A kind of interactive financing system and method Download PDFInfo
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- CN108230122A CN108230122A CN201810235788.2A CN201810235788A CN108230122A CN 108230122 A CN108230122 A CN 108230122A CN 201810235788 A CN201810235788 A CN 201810235788A CN 108230122 A CN108230122 A CN 108230122A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0631—Item recommendations
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0621—Item configuration or customization
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0641—Shopping interfaces
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Abstract
The invention discloses a kind of interactive financing systems, and including customer interface, client is interacted using customer interface with interacting financing system, and customer interface whole day can be used；Financing manager interface, financing manager are interacted using financing manager interface with interacting financing system；Asset Allocation module, Asset Allocation module are connected to customer interface, and Asset Allocation module provides whole assets proportioning and suggests；Product customization module, product customization module are connected to customer interface, and product customization module provides specific product type and recommends；Customer mining module, Customer mining module are connected to financing manager interface, and Customer mining module contacts for financing manager to be made to screen client according to client characteristics and be established with client；Client's trustship module, client's trustship module are connected to financing manager interface, unartificial service are provided for client by Asset Allocation module and product customization module when client's trustship module manages absent for resonable finance and economics.
Description
Technical field
The present invention relates to interactive services field, more specifically, referring to a kind of interactive financing system and method.
Background technology
With the improvement of people's living standards, the disposal capital in hand is more and more, the mode managed money matters on the market, product
Also increase in explosive, people is caused, which not know, select which product or which product to be more suitable for oneself.So
Client, which is selected in choice process, financing manager to be needed to provide help, is answered the question there are many queries.People are in purchase product
Afterwards with greater need for company, the fluctuation of income even loses, can influence the mood of client, need to illustrate present situation, pacify, provide
It is relevant to suggest and build up confidence.On the other hand, the rise of AI intellectual technologies causes intelligent robot interaction technique in realization
Become in order to possible, rearward find to excavate business opportunity with reference to true man, enable a customer to the purchase product being more prone to landing.
Existing money-managing consultant's pattern is broadly divided into following several：Client looks for financing to pass through to bank or other financial institutions
It should face communication consulting financing；Client and financing manager are seeked advice from by way of on line and Asset Allocation planning；In product
Message plate is opened below the page, pays close attention to and passes through written communication between the client of this branch product.There are some patterns to introduce machine
People automatically replies given problem function, increases the reply degree of problem.
For client, the prior art cannot provide the financing counseling services of 7*24 hours；Financing manager's energy is limited,
Time is also ofer short duration, oneself the problem of do not obtain thorough answer, the consulting in market is not known yet；Mutual assistance exchange
Consulting inefficiency is linked up, accurate, individual character, the overall situation financing scheme can not be obtained.The product of recommendation is mostly financing manager institute
The task of the back of the body, it is not objective or repeated by product.
For financing is handled, holding the financing of related working qualification, to handle itself energy limited, can not be with respect to complete
Portion client, so more energy can be placed on the high client of assets, and more clients are not belonging to this part, it is more to need
The client of concern also during assets accumulate, there is very big potentiality, it is therefore desirable to efficient managing communication tool；Client's
Information is only rested in financing manager's hand, is taken over other financings manager post, can often be led to the loss of customer information, not precipitate
In banking system；New customer resources is limited, and acquisition channel is narrow, can not more preferably obtain customer trust.
For the above problem of the prior art, there has been no effective solutions at present.
Invention content
In view of this, the purpose of the embodiment of the present invention is to propose a kind of interactive financing system and method, can make difference
Client and different financing managers interact financing, meet the consulting of client and customization projected demand, and carry for financing manager
For more client's channels and better client's culture means.
Based on above-mentioned purpose, the one side of the embodiment of the present invention provides a kind of interactive financing system, including：
Customer interface, client are interacted using customer interface with interacting financing system, and customer interface whole day can be used；
Financing manager interface, financing manager are interacted using financing manager interface with interacting financing system；
Asset Allocation module, Asset Allocation module are connected to customer interface, and Asset Allocation module provides whole assets and matches
Than suggesting；
Product customization module, product customization module are connected to customer interface, and product customization module provides specific product class
Type is recommended；The quality product of partial category can be pushed to client by financing manager according to the understanding to client and the characteristic of product
End selects to buy for client；
Customer mining module, Customer mining module are connected to financing manager interface, and Customer mining module is used to pass through financing
Reason is screened client and is established with client and contacts according to client characteristics；
Client's trustship module, client's trustship module are connected to financing manager interface, and client's trustship module is used for resonable finance and economics
When reason is absent unartificial service is provided for client by Asset Allocation module and product customization module；Financing manager can be self-defined
It replys, by offering question and answer, replys the personalized question of client.
In some embodiments, system further includes：
Assets diagnostic module, assets diagnostic module are connected to customer interface, and assets diagnostic module is directed to the existing money of client
Production provides assets proportioning and suggests；
Market trend module, market trend module are connected to customer interface, and the future that market trend module provides market becomes
Gesture prejudges.
In some embodiments, system further includes：
Vivid customized module, vivid customized module are connected to financing manager interface, and vivid customized module is used for as financing warp
Reason customizes exclusive brand image.
In some embodiments, customer interface includes financing manager's list, client can resonable finance and economics reason list determine
Specific financing is handled and is linked up therewith；Financing manager can determine specific client in Customer mining module and link up therewith.
In some embodiments, engineering is carried out when the resonable finance and economics reason of client's trustship module provides manual service for client
It practises, to further improve the effect of unartificial service.
In some embodiments, system is realized using B/S structures, and client and financing manager use different terminals
Interface.
The another aspect of the embodiment of the present invention additionally provides a kind of interactive financing method, has used above system.
The another aspect of the embodiment of the present invention additionally provides a kind of computer equipment, including memory, at least one processing
Device and the computer program that can be run on the memory and on the processor is stored in, described in the processor performs
Above system is used during program.
The another aspect of the embodiment of the present invention additionally provides a kind of computer readable storage medium, described computer-readable
Storage medium is stored with computer program, and above system is used when the computer program is executed by processor.
The another aspect of the embodiment of the present invention additionally provides a kind of computer program product, the computer program product
Including the calculation procedure being stored on computer readable storage medium, the computer program includes program, when described program quilt
When computer performs, the computer is made to use above system.
Compared with prior art, the present invention has following advantageous effects：Interaction financing provided in an embodiment of the present invention
System and method for connects Asset Allocation module, product customization module, visitor respectively by using customer interface and financing manager interface
Module, client's trustship module are excavated in family, to provide the technical solution of respectively required service, energy respectively with financing manager for client
Different clients and different financing managers is enough made to interact financing, meets the consulting of client and customization projected demand, and be reason
Finance and economics reason provides more client's channels and better client's culture means.
Description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, to embodiment or will show below
There is attached drawing needed in technology description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention, for those of ordinary skill in the art, without creative efforts, can be with
Other attached drawings are obtained according to these attached drawings.
Fig. 1 is the structure diagram of interactive financing system provided by the invention；
Fig. 2-Fig. 7 is the display schematic diagram of the customer interface of interactive financing system provided by the invention；
Fig. 8-Figure 13 is the display schematic diagram at the financing manager interface of interactive financing system provided by the invention；
Figure 14 is the flow diagram of interactive financing method provided by the invention；
Figure 15 is the hardware of one embodiment of the computer equipment provided by the invention for realizing the interactive financing system
Structure diagram.
Specific embodiment
To make the objectives, technical solutions, and advantages of the present invention clearer, below in conjunction with specific embodiment, and reference
The embodiment of the present invention is further described in attached drawing.
It should be noted that all statements for using " first " and " second " are for differentiation two in the embodiment of the present invention
The non-equal entity of a same names or non-equal parameter, it is seen that " first " and " second " only for statement convenience, no
It is interpreted as the restriction to the embodiment of the present invention, subsequent embodiment no longer illustrates this one by one.
Based on above-mentioned purpose, the first aspect of the embodiment of the present invention, it is proposed that one kind can make different clients and difference
Financing manager interacts the embodiment of the interaction financing system of financing.Fig. 1 is illustrated that interaction financing system provided by the invention
The structure diagram of the embodiment of system.
As shown in Figure 1, interaction financing system includes：
Customer interface, client are interacted using customer interface with interacting financing system, and customer interface whole day can be used；
Financing manager interface, financing manager are interacted using financing manager interface with interacting financing system；
Asset Allocation module, Asset Allocation module are connected to customer interface, and Asset Allocation module provides whole assets and matches
Than suggesting；
Product customization module, product customization module are connected to customer interface, and product customization module provides specific product class
Type is recommended；The quality product of partial category can be pushed to client by financing manager according to the understanding to client and the characteristic of product
End selects to buy for client；
Customer mining module, Customer mining module are connected to financing manager interface, and Customer mining module is used to pass through financing
Reason is screened client and is established with client and contacts according to client characteristics；
Client's trustship module, client's trustship module are connected to financing manager interface, and client's trustship module is used for resonable finance and economics
When reason is absent unartificial service is provided for client by Asset Allocation module and product customization module；Financing manager can be self-defined
It replys, by offering question and answer, replys the personalized question of client.
The personalization that Asset Allocation module is suggested from big frame scale (including spending class, ensureing class, value preserving class, increment class)
Assets match；One as Asset Allocation module makes up, and product customization module recommends group to be suitble to the product bought.Client digs
Pick module does not establish the client contacted for excavating with financing manager.Financing manager can pass through Customer mining module, it is seen that visitor
The key message of the sale products such as customer portrait, the missing product at family, being communicated with client based on these information can greatly improve
Communication efficiency.Client's trustship module can be managed with resonable finance and economics on behalf of communication when having no time to link up with portions of client, and financing manager is conveniently
When can check again client communication note down and subproblem is manually replied.
Also, it is understood that financing manager herein is to claim in an illustrative generation, it is not limited to which financing is handled, is each
The staff of financial institutions of big securities broker company or insurance company etc..
In some embodiments, system further includes：
Assets diagnostic module, assets diagnostic module are connected to customer interface, and assets diagnostic module is directed to the existing money of client
Production provides assets proportioning and suggests；
Market trend module, market trend module are connected to customer interface, and the future that market trend module provides market becomes
Gesture prejudges.
Assets diagnostic module is the diagnosis to having purchased product, from the safety of assets, rentability, mobility, diversity, money
Production and the matching of client's own characteristic etc. are many-sided to be considered to prompt to carry out comprehensive assets proportioning；Market trend module is then
It is anticipation of the marketing expert to current each follow-up variation tendency of property market.
In some embodiments, system further includes：
Vivid customized module, vivid customized module are connected to financing manager interface, and vivid customized module is used for as financing warp
Reason customizes exclusive brand image.
Financing manager can establish the brand image of oneself on line financing operating room by vivid customized module, including for example
Personal information is improved to generate exclusive quick response code business card, safeguard personal question and answer corpus so that robot replies to oneself client's
Content more intelligence is lively.
In some embodiments, customer interface includes financing manager's list, client can resonable finance and economics reason list determine
Specific financing is handled and is linked up therewith；Financing manager can determine specific client in Customer mining module and link up therewith.
In some embodiments, engineering is carried out when the resonable finance and economics reason of client's trustship module provides manual service for client
It practises, to further improve the effect of unartificial service.
In some embodiments, system, which is realized using B/S structures, (such as passes through wechat public platform or embedded cell phone application
Function realize), and client and financing manager use different terminal interfaces.
From above-described embodiment as can be seen that interactive financing system provided in an embodiment of the present invention, by using customer interface
Asset Allocation module, product customization module, Customer mining module, client's trustship module are connected respectively with financing manager interface, are come
The technical solution of respectively required service for client and financing manager is provided respectively, different clients and different financing managers can be made
Interact financing, meet client consulting and customization projected demand, and for financing manager provide more client's channels with
Better client's culture means.
On the one hand the energy of financing manager is greatly saved in this system, increase the range of oneself managing customer, the opposing party
In face of the more deep of client's understanding, each client has independent characterization.On the one hand the problem of client encounters has specially
The finance and money management robot of industry is replied, and is on the other hand had financing manager and is followed up, provides finer service.This kind
Pattern can effectively improve the confidence of client, greatly improve the purchase conversion ratio of product.Bank or mechanism, can using such pattern
So that customer information will not be changed with financing manager post and is lost in, other financings manager can continue " holding " this part
The information of client, so as to be serviced.On-line off-line data are got through, and financing manager, can be with reference line when excavating new client
The customer portrait situation of upper client actively contacts recommended client, carries out binding association, be included in the managing customer name of oneself
It is single, excavate new business opportunity.In addition, financing manager manually replys the problem of client, it can be effective to be promoted by machine learning method
The degree of intelligence that robot is answered, robot can gradually grow up, and gradually reduce the intervention degree of financing manager, so that financing
Manager can service more clients.
It is important to note that the embodiment of above-mentioned interactive financing method employs the implementation of the interactive financing system
Example illustrates the workflow of each step, and those skilled in the art can be it is readily conceivable that be applied to institute by these steps
In the other embodiment for stating interactive financing system.Certainly, due to the modules and list in the interactive financing system embodiment
First can to intersect, replace, increase, delete, therefore, these rational permutation and combination become alternatively in the interaction reason
Wealth method should also be as belonging to the scope of protection of the present invention, and protection scope of the present invention should not be confined to the embodiment it
On.
Based on above-mentioned purpose, the second aspect of the embodiment of the present invention, it is proposed that one kind can make different clients and difference
Financing manager interacts the embodiment of the interaction financing method of financing.Figure 14 is illustrated that interactive financing side provided by the invention
The structure diagram of the embodiment of method.The interactive financing method has used above-mentioned interaction financing system.
As shown in figure 14, client and financing manager enter interactive financing system using different terminals.After the registration is finished,
Client begins to use the function of interactive financing system or handles proposition problem to financing, and the manager that manages money matters starts from interaction financing system
Client or the existing client of management are excavated in system.In the process, client establishes due to generation is linked up with financing manager and contacts.It builds
After vertical contact, client can occur further to link up with financing manager, such as application for help, purchase product, counseling services, binding
Client etc..
From above-described embodiment as can be seen that interactive financing method provided in an embodiment of the present invention, by using customer interface
Asset Allocation module, product customization module, Customer mining module, client's trustship module are connected respectively with financing manager interface, are come
The technical solution of respectively required service for client and financing manager is provided respectively, different clients and different financing managers can be made
Interact financing, meet client consulting and customization projected demand, and for financing manager provide more client's channels with
Better client's culture means.
It is important to note that the embodiment of above-mentioned interactive financing method employs the implementation of the interactive financing system
Example illustrates the workflow of each step, and those skilled in the art can be it is readily conceivable that be applied to institute by these steps
In the other embodiment for stating interactive financing system.Certainly, due to the modules and list in the interactive financing system embodiment
First can to intersect, replace, increase, delete, therefore, these rational permutation and combination become alternatively in the interaction reason
Wealth method should also be as belonging to the scope of protection of the present invention, and protection scope of the present invention should not be confined to the embodiment it
On.
Based on above-mentioned purpose, a kind of third aspect of the embodiment of the present invention, it is proposed that meter for performing interaction financing system
Calculate one embodiment of machine equipment.
The computer equipment for performing interaction financing system includes memory, at least one processor and is stored in memory
Computer program that is upper and can running on a processor, processor realize any one above-mentioned system when performing program.
As shown in figure 15, it is the hard of one embodiment of the computer equipment provided by the invention for performing interaction financing system
Part structure diagram.
By taking computer equipment as shown in figure 15 as an example, include a processor 1501 and one in the computer equipment
A memory 1502, and input unit 1503 and output device 1504 can also be included.
Processor 1501, memory 1502, input unit 1503 and output device 1504 can by bus or other
Mode connects, in Figure 15 for being connected by bus.
Memory 1502 is used as a kind of non-volatile computer readable storage medium storing program for executing, available for storing non-volatile software journey
Sequence, non-volatile computer executable program and module, such as the corresponding program of interaction financing system in the embodiment of the present application
Instruction/module.Processor 1501 is stored in non-volatile software program, instruction and mould in memory 1502 by operation
Block, various function application and data processing so as to execute server, that is, the interaction financing for realizing above system embodiment are
System.
Memory 1502 can include storing program area and storage data field, wherein, storing program area can store operation system
System, the required application program of at least one function；Storage data field can be stored to be created according to using for interaction financing device
Data etc..In addition, memory 1502 can include high-speed random access memory, nonvolatile memory can also be included,
A for example, at least disk memory, flush memory device or other non-volatile solid state memory parts.In some embodiments,
Memory 1502 is optional including relative to the remotely located memory of processor 1501, these remote memories can pass through network
It is connected to local module.The example of above-mentioned network includes but not limited to internet, intranet, LAN, mobile radio communication
And combinations thereof.
Input unit 1503 can receive input number or character information and generate with interact manage money matters device user set
It puts and the input of key signals that function control is related.Output device 1504 may include that display screen etc. shows equipment.
One or more corresponding program instruction/module of interaction financing system is stored in the memory 1502, when
When being performed by the processor 1501, the interaction financing system in above-mentioned arbitrary system embodiment is realized.
Any one embodiment of the computer equipment of the interactive financing system is realized, before can reaching corresponding
State the identical or similar effect of arbitrary system embodiment.
Based on above-mentioned purpose, the 4th aspect of the embodiment of the present invention, it is proposed that a kind of computer readable storage medium, institute
Stating computer-readable recording medium storage has computer executable program, which can realize above-mentioned arbitrary system
Interaction financing system in embodiment of uniting.The embodiment of the computer readable storage medium, before can reaching corresponding
State the identical or similar effect of arbitrary system embodiment.
Based on above-mentioned purpose, the 5th aspect of the embodiment of the present invention, it is proposed that a kind of computer program product, the calculating
Machine program product includes the calculation procedure being stored on computer readable storage medium, which includes program, when this
When program is computer-executed, the computer is made to realize the interaction financing system in above-mentioned arbitrary system embodiment.The calculating
The embodiment of machine program product can achieve the effect that corresponding aforementioned arbitrary system embodiment is identical or similar.
Finally it should be noted that one of ordinary skill in the art will appreciate that realizing the whole in above-described embodiment method
Or part flow, it can be completed by computer program to instruct related hardware, the program can be stored in a computer
In read/write memory medium, the program is when being executed, it may include such as the flow of the embodiment of above-mentioned each method.Wherein, it is described
Storage medium can be magnetic disc, CD, read-only memory (Read-Only Memory, ROM) or random access memory
(Random Access Memory, RAM) etc..The embodiment of the computer program can reach corresponding aforementioned
The identical or similar effect of embodiment of the method for anticipating.
In addition, typically, it can be various electric terminal equipments that the embodiment of the present invention, which discloses described device, equipment etc., example
Such as mobile phone, personal digital assistant (PDA), tablet computer (PAD), smart television or large-scale terminal device, such as service
Device etc., therefore protection domain disclosed by the embodiments of the present invention should not limit as certain certain types of device, equipment.It is of the invention real
It can be applied to above-mentioned arbitrary with the combining form of electronic hardware, computer software or both to apply example and disclose the client
In a kind of electric terminal equipment.
In addition, disclosed method is also implemented as the computer program performed by CPU according to embodiments of the present invention, it should
Computer program can store in a computer-readable storage medium.When the computer program is performed by CPU, the present invention is performed
The above-mentioned function of being limited in method disclosed in embodiment.
In addition, above method step and system unit can also utilize controller and for storing so that controller is real
The computer readable storage medium of the computer program of existing above-mentioned steps or Elementary Function is realized.
In addition, it should be appreciated that computer readable storage medium (for example, memory) of the present invention can be easy
The property lost memory or nonvolatile memory can include both volatile memory and nonvolatile memory.As
And not restrictive, nonvolatile memory can include read-only memory (ROM), programming ROM (PROM), electricity to be compiled example
Journey ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory.Volatile memory can include depositing at random
Access to memory (RAM), the RAM can serve as external cache.As an example and not restrictive, RAM can be with
Diversified forms obtain, such as synchronous random access memory (DRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate SDRAM
(DDR SDRAM), enhancing SDRAM (ESDRAM), synchronization link DRAM (SLDRAM) and directly RambusRAM (DRRAM).This
The disclosed storage device of invention is intended to the memory of including but not limited to these and other suitable type.
Those skilled in the art will also understand is that, with reference to the described various illustrative logical blocks of disclosure herein, mould
Block, circuit and algorithm steps may be implemented as the combination of electronic hardware, computer software or both.It is hard in order to clearly demonstrate
This interchangeability of part and software, with regard to various exemplary components, square, module, circuit and step function to its into
General description is gone.This function is implemented as software and is also implemented as hardware depending on concrete application and application
To the design constraint of whole system.Those skilled in the art can in various ways realize described for each concrete application
Function, but this realize determines to should not be interpreted as causing a departure from range disclosed by the embodiments of the present invention.
It can utilize and be designed to reference to the described various illustrative logical blocks of disclosure herein, module and circuit
The following component of function described here is performed to realize or perform：General processor, digital signal processor (DSP), special collection
Into circuit (ASIC), field programmable gate array (FPGA) or other programmable logic device, discrete gate or transistor logic, divide
Any combinations of vertical hardware component or these components.General processor can be microprocessor, but alternatively, processing
Device can be any conventional processors, controller, microcontroller or state machine.Processor can also be implemented as computing device
Combination, for example, the combination of DSP and microprocessor, multi-microprocessor, one or more microprocessors combination DSP core or any
Other this configurations.
It can be directly contained in hardware with reference to the step of described method of disclosure herein or algorithm, be held by processor
In capable software module or in combination of the two.Software module may reside within RAM memory, flash memory, ROM storages
Device, eprom memory, eeprom memory, register, hard disk, removable disk, CD-ROM or known in the art it is any its
In the storage medium of its form.Illustrative storage medium is coupled to processor so that processor can be from the storage medium
Information is written to the storage medium in middle reading information.In an alternative, the storage medium can be with processor collection
Into together.Pocessor and storage media may reside in ASIC.ASIC may reside in user terminal.In a replacement
In scheme, pocessor and storage media can be resident in the user terminal as discrete assembly.
In one or more exemplary designs, the function can be real in hardware, software, firmware or its arbitrary combination
It is existing.If realized in software, can be stored in using the function as one or more instruction or code computer-readable
It is transmitted on medium or by computer-readable medium.Computer-readable medium includes computer storage media and communication media,
The communication media includes helping for computer program to be transmitted to any medium of another position from a position.Storage medium
It can be any usable medium that can be accessed by a general purpose or special purpose computer.As an example and not restrictive, the computer
Readable medium can include RAM, ROM, EEPROM, CD-ROM or other optical disc memory apparatus, disk storage equipment or other magnetic
Property storage device or can be used for carry storage form be instruct or data structure required program code and can
Any other medium accessed by general or specialized computer or general or specialized processor.In addition, any connection can
It is properly termed as computer-readable medium.If for example, use coaxial cable, fiber optic cable, twisted-pair feeder, digital subscriber line
(DSL) or such as wireless technology of infrared ray, radio and microwave to send software from website, server or other remote sources,
Then above-mentioned coaxial cable, fiber optic cable, twisted-pair feeder, DSL or such as wireless technology of infrared ray, radio and microwave are included in
The definition of medium.As used herein, disk and CD include compact disk (CD), laser disk, CD, digital versatile disc
(DVD), floppy disk, Blu-ray disc, wherein disk usually magnetically reproduce data, and CD using laser optics reproduce data.On
The combination for stating content should also be as being included in the range of computer-readable medium.
It is exemplary embodiment disclosed by the invention above, it should be noted that in the sheet limited without departing substantially from claim
Under the premise of inventive embodiments scope of disclosure, it may be many modifications and change.According to open embodiment described herein
The function of claim to a method, step and/or action be not required to perform with any particular order.In addition, although the present invention is implemented
Element disclosed in example can be described or be required in the form of individual, but be unless explicitly limited odd number, it is understood that be multiple.
It should be understood that it is used in the present context, unless context clearly supports exception, singulative " one
It is a " (" a ", " an ", " the ") be intended to also include plural form.It is to be further understood that "and/or" used herein is
Finger includes one or the arbitrary and all possible combinations of more than one project listed in association.
The embodiments of the present invention disclose that embodiment sequence number is for illustration only, do not represent the quality of embodiment.
One of ordinary skill in the art will appreciate that hardware can be passed through by realizing all or part of step of above-described embodiment
It completes, relevant hardware can also be instructed to complete by program, the program can be stored in a kind of computer-readable
In storage medium, storage medium mentioned above can be read-only memory, disk or CD etc..
Those of ordinary skills in the art should understand that：The discussion of any of the above embodiment is exemplary only, not
It is intended to imply that range disclosed by the embodiments of the present invention is limited to these examples (including claim)；In the think of of the embodiment of the present invention
Under road, it can also be combined between the technical characteristic in above example or different embodiments, and exist as described above
Many other variations of the different aspect of the embodiment of the present invention, for simplicity, they are not provided in details.Therefore, it is all at this
Spiritual and any omission within principle, made, modification, equivalent replacement, improvement of inventive embodiments etc., should be included in this hair
Within the protection domain of bright embodiment.
Claims (10)
1. a kind of interactive financing system, which is characterized in that including：
Customer interface, client are interacted using the customer interface with interacting financing system, and the customer interface whole day can be used；
Financing manager interface, financing manager handle interface using the financing and are interacted with interacting financing system；
Asset Allocation module, the Asset Allocation module are connected to the customer interface, and the Asset Allocation module provides whole
Assets proportioning suggest；
Product customization module, the product customization module are connected to the customer interface, and the product customization module provides specific
Product type recommend；
Customer mining module, the Customer mining module are connected to the financing manager interface, and the Customer mining module is used for
Financing manager is made to screen client according to client characteristics and establish with client to contact；
Client's trustship module, client's trustship module are connected to the financing manager interface, and client's trustship module is used for
During resonable finance and economics reason absence unartificial service is provided for client by the Asset Allocation module and the product customization module.
2. system according to claim 1, which is characterized in that further include：
Assets diagnostic module, the assets diagnostic module are connected to the customer interface, and the assets diagnostic module is directed to client
Existing assets provide assets proportioning suggest；
Market trend module, the market trend module are connected to the customer interface, and the market trend module provides market
Future trend anticipation.
3. system according to claim 1, which is characterized in that further include：
Vivid customized module, the image customized module are connected to the financing manager interface, and the image customized module is used for
For financing, manager customizes exclusive brand image.
4. system according to claim 1, the customer interface includes financing manager's list, and client can be in the financing
Manager's list determines specifically to manage money matters and handles and link up therewith；Financing manager can determine specifically in the Customer mining module
Client simultaneously links up therewith.
5. system according to claim 1, when the resonable finance and economics reason of client's trustship module provides manual service for client
Machine learning is carried out, to further improve the effect of unartificial service.
6. system according to claim 1, which is characterized in that the system is realized using B/S structures, and client and Li
Finance and economics reason uses different terminal interfaces.
7. a kind of interactive financing method, which is characterized in that use the interaction financing system as described in any one in claim 1-6
System.
8. a kind of computer equipment, including memory, at least one processor and it is stored on the memory and can be in institute
State the computer program run on processor, which is characterized in that the processor uses such as claim when performing described program
System in 1-6 described in any one.
9. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists
In, when the computer program is executed by processor using any one in claim 1-6 described in system.
10. a kind of computer program product, which is characterized in that the computer program product includes being stored in computer-readable deposit
Calculation procedure on storage media, the computer program include program, when described program is computer-executed, make the calculating
Machine uses the system described in any one in claim 1-6.
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| CN201810235788.2A CN108230122A (en) | 2018-03-21 | 2018-03-21 | A kind of interactive financing system and method |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109034830A (en) * | 2018-10-15 | 2018-12-18 | 上海译会信息科技有限公司 | A kind of management of personal money auxiliary system |
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