CN110443714A - A kind of technical solution and business method of cooperative investment - Google Patents
A kind of technical solution and business method of cooperative investment Download PDFInfo
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- CN110443714A CN110443714A CN201810417465.5A CN201810417465A CN110443714A CN 110443714 A CN110443714 A CN 110443714A CN 201810417465 A CN201810417465 A CN 201810417465A CN 110443714 A CN110443714 A CN 110443714A
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- 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
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Abstract
The present invention relates to financial fields, are the innovation forms of Investment & Financing and Investment & Financing counseling services field.The technical solution and business method that mutual cooperation is invested in a kind of financial field, develop a website, wechat public platform or cell phone application platform；Quality product is selected to sell on a commission basis on platform in the market in current Investment & Financing.Platform development is supplied to investment user for the investment tactics of different finance products simultaneously, and user supplements with money on platform and investment and financing products, while platform is provided funds and user's cooperative investment according to a certain percentage.Platform is equipped with repurchase guarantee fund and redeemable clauses, and if there is loss, the system of platform can buy back automatically the capital or interest of user using repurchase guarantee fund for the investment behavior of user in the specified period.When the investment behavior of cooperation generates income, the system of platform can carry out being divided into for different proportion according to different earning rates from user automatically, the intelligence system of platform can irregularly push purchase or the strategy exited to user during investment, and user need to only execute according to the scheme of push.
Description
Technical field
The invention patent relates to financial fields, are the innovation forms of Investment & Financing and Investment & Financing counseling services field.
Background technique
In recent years, with the raising of people's income level, more and more people have the demand of Investment & Financing；With internet skill
The high speed development of art, internet Investment & Financing have become a kind of main path of Investment & Financing.Investment & Financing is done, it is nearly all
People has the worry for worrying investment loss.
The invention patent is the operation based on the operation and software for passing through hardware on the basis of internet and mobile Internet, real
It is now a kind of technology when capital is invested in guarantee when investor's investment is lost while investor gets a profit according to investor's Benefit share
Scheme and business method.
The highly developed perfect Internet technology of the invention patent support, development of Mobile Internet technology, computer hardware,
Software technology, mobile phone hardware, software technology, big data and actuarial technological development and operation.
Patent of invention content
The technical solution and business method that mutual cooperation is invested in a kind of financial field, it is characterised in that hard using computer
Part software technology, one website of the mobile phone hardware development of software technology, wechat public platform or cell phone application platform；Based on internet
Technology, development of Mobile Internet technology expansion operation；The probability for carrying out actuarial investment loss using big data technology is being worked as reference
Preceding Investment & Financing selects quality product to sell on a commission basis on platform in the market.Platform can also be developed for different finance products simultaneously
Different purchase strategies be supplied to investment user, investment user on computer or cell phone platform by supplementing with money and buying platform generation
The finance product of pin, while platform is provided funds and user's cooperative investment according to a certain percentage.Platform is equipped with repurchase guarantee fund and repurchase
Clause, if there is losing and triggering redeemable clauses, the system of platform can benefit for the investment behavior of user in the specified period
With repurchase, guarantee fund is user's polishing fraction defective capital automatically.When the investment behavior of user generates income, the system of platform
Being divided into for different proportion can be carried out according to different earning rates from user automatically, the technical solution and business method of cooperative investment are shown in
Fig. 1.The intelligence system of platform can irregularly push purchase or the strategy exited to user during investment, and user is only
It need to be executed according to the scheme of push, so that user can obtain more high yield.
In actual mechanical process investment user by computor-keyboard and mouse perhaps mobile phone operation using Web bank or
Mobile banking supplements with money on platform, and fund enters platform and deposits pipe account in bank, while Platform Server records investment user
Recharge amount and remaining sum.User selects investment product on platform, and the strategic investment product provided according to program, system is pressed
The fund of platform is given to user according to the investment amount of user certain ratio, with user's cooperative investment product.The product phase
Full or user exits in the case that returned money after the product generates profit that system can be automatically to profit portion under program Generalization bounds
Divide and is divided into user account peace account family according to preset ratio and records on the server；If generating loss, it is
System either automatically or manually can buy back loss capital part for user, can also buy back user's capital with certain interest rate, and record
On the server.After finance product returned money is divided into or buys back capital, investment user can withdraw deposit in online application at any time, money
Jin Huicong platform account enters user account, completes a whole set of process.The technical solution and business method process of cooperative investment are shown in
Fig. 2.
In order to ensure that the safety of principal of investment user, platform can open up in bank and deposit pipe account, each user has one
A exclusive sub- account.The fund for supplementing and investing returned money with money of all investment users is in the sub- account of individual for depositing pipe account, by silver
Row supervision, platform cannot random enchashment, to ensure the safety of principal of investment user.The repurchase guarantee fund of platform itself can also simultaneously
To deposit pipe depositing in pipe account in bank, when the capital of investment user occurs to lose and trigger redeemable clauses, by the sheet of repurchase
Gold is either automatically or manually transferred in the sub- account of investment user.In the state that bank deposits pipe the technical solution of cooperative investment and
Business method principle is shown in Fig. 3
Detailed description of the invention
Fig. 1: the technical solution and business method working principle diagram of cooperative investment
Fig. 2: the technical solution and business method flow diagram of cooperative investment
Fig. 3: bank deposits the technical solution and business method schematic diagram of pipe fund cooperative investment
Specific embodiment
Using computer hardware and software technology, programmed by the input of computer keyboard mouse, exploitation and composition one
Website, wechat public platform or cell phone application form platform.Content includes at least real name Accreditation System, payment system, financing production
Product display systems, purchase policy system, guarantee fund's buyback system, are divided into system etc., if opening bank deposits pipe, it is also necessary to develop
The system docked with bank data.
Investment user is supplemented with money on platform after platform completes and the strategy according to platform is invested, and platform can be according to
Certain ratio turns money to user, realizes cooperative investment, fund is directly used in the finance product that purchase user specifies, and fund enters
In the finance product, platform can strategically be thrown in investment process with real-time prompting user's operation strategy, user
Money, can also invest according to the wish of oneself.The product, Yong Huke can be redeemed or be exited to platform machine prompt user in due course
To be executed according to platform Generalization bounds, can also be executed according to the judgement of oneself.If single project investment is exited and after returned money,
In profit state, platform can arrange to be divided into profit part in proportion with investment user as agreed, and system can be automatically from user
Account transfer Benefit share part to platform account；If single project exits and has lost capital after returned money, trigger back
Purchase clause, system either automatically or manually transfers loss capital (or capital adds interest) partially from repurchase guarantee fund to user,
Ensure that the interests of user are not suffered a loss.
In order to increase user to the trust of platform, the safety of user is ensured to greatest extent, platform can be set in bank
Two accounts are found, and deposit Guan Xieyi in bank's signature, agreement provides that platform can dominate the fund in account, but cannot mention
It is existing, so that user generates enough trust to platform.First account is total account of platform, and each user has under total account
Personal sub- account, user supplement with money or the fund of returned money there are in the sub- account of oneself.Second account is the repurchase of company
Margin account can match according to a certain percentage with the fund of customer investment, if losing simultaneously occurs in the investment of some user
Trigger redeemable clauses, system can either automatically or manually transfer accounts from platform repurchase ensuring funds to user's fraction defective capital (or
Person's capital adds interest).To guarantee that the interests of user do not receive loss.
Claims (3)
1. mutual cooperation is invested in a kind of financial field technical solution and business method, it is characterised in that utilize computer hardware
Software technology, one website of the mobile phone hardware development of software technology, wechat public platform or cell phone application platform；Based on internet skill
Art, development of Mobile Internet technology expansion operation；It is used as reference using the probability that big data technology carries out actuarial investment loss, current
Investment & Financing select quality product to sell on a commission basis on platform in the market.Platform can also be developed for different finance products simultaneously
Different purchase strategies is supplied to investment user, and investment user is sold on a commission basis by supplementing with money on computer or cell phone platform and buying platform
Finance product, while platform provide funds according to a certain percentage with user's cooperative investment.Platform is equipped with repurchase guarantee fund and repurchase item
Money, the in the specified period investment behavior of user can be utilized if there is losing and triggering redeemable clauses, the system of platform
Buy back guarantee fund is user's polishing fraction defective capital automatically.When the investment behavior of user generates income, the system meeting of platform
Automatically being divided into for different proportion is carried out according to different earning rates from user.
2. according to claim 1, the intelligence system of platform is thrown according to big data actuarial during customer investment
Money strategy can irregularly push the strategy for buying or exiting some product to user, and user only need to strategically execute i.e.
Can, so that user can obtain more high yield.
3. platform can open up in bank and deposit pipe according to claim 1, in order to ensure that the interests of investment user are not suffered a loss
Account, each user have an exclusive sub- account.The fund for supplementing and investing returned money with money of all investment users is depositing pipe account
The sub- account of individual in, by banking supervision, platform cannot random enchashment, to ensure the fund security of investment user.Platform simultaneously
The repurchase guarantee fund of itself can also deposit pipe in the account of bank, when the capital of investment user occurs to lose and triggers repurchase item
When money, the capital of repurchase is transferred automatically and realizes repurchase in investment user account.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810417465.5A CN110443714A (en) | 2018-05-04 | 2018-05-04 | A kind of technical solution and business method of cooperative investment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810417465.5A CN110443714A (en) | 2018-05-04 | 2018-05-04 | A kind of technical solution and business method of cooperative investment |
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| Publication Number | Publication Date |
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| CN110443714A true CN110443714A (en) | 2019-11-12 |
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| CN201810417465.5A Pending CN110443714A (en) | 2018-05-04 | 2018-05-04 | A kind of technical solution and business method of cooperative investment |
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| Country | Link |
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Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105550932A (en) * | 2016-02-04 | 2016-05-04 | 北京领先创融网络科技有限公司 | Due-on-demand financial management method based on fixed time financial management creditor's right transfer and system |
| CN107330795A (en) * | 2017-07-17 | 2017-11-07 | 安波 | A kind of Investment ＆ Financing ensures the business method of capital |
| WO2017200142A1 (en) * | 2016-05-16 | 2017-11-23 | 박형필 | Investment platform device and operating method therefor |
-
2018
- 2018-05-04 CN CN201810417465.5A patent/CN110443714A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105550932A (en) * | 2016-02-04 | 2016-05-04 | 北京领先创融网络科技有限公司 | Due-on-demand financial management method based on fixed time financial management creditor's right transfer and system |
| WO2017200142A1 (en) * | 2016-05-16 | 2017-11-23 | 박형필 | Investment platform device and operating method therefor |
| CN107330795A (en) * | 2017-07-17 | 2017-11-07 | 安波 | A kind of Investment ＆ Financing ensures the business method of capital |
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Application publication date: 20191112 |