CN111833192A - Internet group-piecing financing method and device, computer storage medium and terminal - Google Patents
Internet group-piecing financing method and device, computer storage medium and terminal Download PDFInfo
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Abstract
The invention discloses an internet group-piecing financing method, an internet group-piecing financing device, a computer storage medium and a terminal, wherein the method comprises the following steps: the system sets product information and grouping information of the financial products to enable the financial products to become grouping products; the system publishes the grouping product on the platform and recommends the grouping product to the user according to the user attribute and/or the behavior characteristic; the system displays product information and grouping information to a user on a platform; the system receives a group-piecing request initiated by a user and indicates the user to enter a group-piecing product purchasing process after the user authenticates the real name and opens an electronic account; the system responds to the success of the user group participation after the user successfully purchases the group-piecing product; the system pre-estimates the grouping income according to the current grouping amount during the grouping duration; the system completes the grouping after reaching the maximum grouping amount or the grouping finishing time; the system issues the grouping income to the electronic account after the user holds the financing product and the grouping position holding time. The invention can lead small amount of dispersed capital to be centralized and manage financing to obtain higher income and can improve the grouping safety.
Description
Technical Field
The invention relates to the technical field of internet, in particular to an internet group-piecing financing method, an internet group-piecing financing device, a computer storage medium and a terminal.
Background
Most of the group-together buying products on the market are general commodities rather than financial products, the group-together number of people is limited in the transaction mode of the group-together buying, and after the group-together number of people is reached, the seller completes the transaction with the buyer according to the group-together information. When the number of the party-piecing people does not reach the preset number of the party-piecing people, the party-piecing can not be completed, so that the activity of the party-piecing is failed, and a large amount of processing resources and human resources are wasted.
Therefore, the Chinese patent application 201810732785.X discloses an intelligent group-piecing method, when the number of the group-piecing people is insufficient, the property loss of a seller caused by too low number of people is avoided by adjusting the group-buying price information step by step, and the price of the commodity is improved equivalently, so that the cost control of the buyer is not facilitated.
With the vigorous development of internet finance, online financing is more and more popular with users, and on an online financing platform, a financial institution can provide various financing products for the users, and the users can choose to purchase appropriate financing products and obtain corresponding investment return according to the needs of the users. However, the investment threshold of the existing online financing products is high or low, the online financing products with low threshold are mostly concentrated on the current deposit and the currency fund of the bank, the investment amount of the financing products is low, the time limit is flexible, but the yield is not high; and the high threshold online financing products are mostly concentrated on large deposit list, structural deposit and insurance financing, and although the yield of the type of financing products is higher, the number of purchased people is relatively small. Users holding small funds can only be forbidden when facing high-threshold financial products, and the purpose of small-amount fund investment cannot be realized.
The existing online financing product investment method generally adopts an individual transaction mode based on the information security consideration in the transaction process, and does not adopt an investment mode of buying financing products in a group purchase mode.
Disclosure of Invention
In order to overcome the defects of the prior art, the first invention of the invention aims to provide an internet group-piecing financing method, investment is carried out through a group-piecing mode, fission and propagation of internet financing are increased, the purpose of obtaining higher income by small amount of decentralized fund centralized financing can be realized, the group-piecing success rate is high, the safety of the investment process can be ensured, and the safety index of group-piecing buying is improved; the second invention of the invention aims to provide an internet grouping financing device for realizing the financing method; a third object of the present invention is to provide a computer storage medium having an internet group-building financing program stored thereon, and the internet group-building financing program when executed by a processor is capable of implementing the internet financing method; a fourth object of the present invention is to provide a terminal which can be used to perform the above-mentioned internet financing method.
In order to achieve the first object, the technical scheme adopted by the invention is as follows:
an internet group-piecing financing method comprises the following steps:
s01, the system sets product information and grouping information of the financing product, establishes grouping mode of the financing product, and enables the financing product to become a grouping product;
the product information comprises product name, product type, product yield, product deadline, interest rule, drawing rule, product description and transaction step;
the grouping information comprises grouping issuing time, grouping starting time, grouping finishing time, maximum grouping amount, maximum grouping income and grouping position holding time;
s02, the system publishes the grouping product on the platform and recommends the grouping product to the user according to the user attribute and/or the behavior characteristic;
s03, the system displays the product information and the grouping information of the grouping product to the user on the platform;
s04, the system indicates the user to enter the buying flow of the piecing together product after receiving the request of the user for initiating the piecing together and completing the real name authentication and opening the electronic account;
s05, the system responds to the successful group participation of the user after the user successfully purchases the grouped product;
s06, the system pre-estimates the party-piecing income according to the current party-piecing amount during the duration of the party-piecing; the relationship between the party-piecing income and the current party-piecing amount is as follows: p is (T/S) Pm, wherein P is the party-piecing income expected to be issued to the user, T is the current party-piecing amount, S is the maximum party-piecing amount set by the platform, and Pm is the maximum party-piecing income set by the platform;
s07, completing the grouping by the system after the maximum grouping amount or the grouping ending time is reached;
s08, the system issues the piecing yields to the user' S electronic account after the user holds the purchased financial product to the piecing position time.
Further, the S04 further includes the following steps:
the system checks whether the user logs in the platform after the user initiates the grouping request:
if the user does not log in the platform, the system jumps to a platform login interface;
if the user logs in the platform, the system checks whether the user completes real-name authentication.
Preferably, the S04 further includes the steps of:
if the user does not finish the real-name authentication, the system jumps to a real-name authentication interface;
if the user has completed real-name authentication, the system verifies whether the user opens the electronic account on the platform.
More preferably, the S04 further includes the steps of:
if the user does not open the electronic account on the platform, the system skips an electronic account opening interface;
if the user has opened an electronic account on the platform, the system enters the purchase flow of the piecemeal product.
More preferably, the electronic account opening comprises a personal information verification step, a personal occupation improvement step, a bank card binding support step and a face recognition step.
Furthermore, the login mode of the platform at least comprises one of account password login, mobile phone verification code login, WeChat quick login and mobile phone number one-key login.
Further, the real-name authentication at least comprises one of uploading a user identity card, binding a user bank card, verifying a reserved mobile phone number of the bank card and face living body verification.
Further, the group-piecing product purchase flow sequentially comprises electronic account recharging and financial product purchase, wherein the electronic account recharging comprises at least one of bank card quick payment and electronic account transfer.
Further, the S03 further includes the following steps:
the system opens a start bolus reminder appointment to the user and notifies the user when the start time of the bolus is reached.
The user attributes include a user gender, age, occupation, address, and asset position amount.
The behavior characteristics comprise a financial product purchase record, a financial product purchase frequency, a financial product type preference, a financial product browsing record, a financial product collection record and a grouping participation record.
In order to achieve the second object, the technical scheme adopted by the invention is as follows:
an internet group-piecing financing device, which comprises
The system comprises an establishing module, a grouping module and a grouping module, wherein the establishing module is used for setting product information and grouping information of the financial products by the system, and establishing a grouping mode of the financial products so that the financial products become grouping products;
the product information comprises product name, product type, product yield, product deadline, interest rule, drawing rule, product description and transaction step;
the grouping information comprises grouping issuing time, grouping starting time, grouping finishing time, maximum grouping amount, maximum grouping income and grouping position holding time;
the release and recommendation module is used for releasing the grouping product on a platform by the system and recommending the grouping product to the user according to the user attribute and/or the behavior characteristic;
the display module is used for displaying the product information and the grouping information of the grouping product to the user on the platform by the system;
the system comprises a purchasing module, a group-piecing module and a group-piecing module, wherein the purchasing module is used for indicating the user to enter a purchasing process of a group-piecing product after the system receives a group-piecing request initiated by the user and the user completes real-name authentication and opens an electronic account;
the response module is used for responding to the successful group participation of the user after the user successfully purchases the grouped product;
the pre-estimation income module is used for the system to pre-estimate the grouping income according to the current grouping amount during the grouping duration; the relationship between the party-piecing income and the current party-piecing amount is as follows: p is (T/S) Pm, wherein P is the party-piecing income expected to be issued to the user, T is the current party-piecing amount, S is the maximum party-piecing amount set by the platform, and Pm is the maximum party-piecing income set by the platform;
the grouping ending module is used for completing grouping by the system after the maximum grouping amount or grouping ending time is reached;
and the profit issuing module is used for issuing the grouping profit to the electronic account of the user by the system after the time from the user holding the purchased financial products to the grouping position.
In order to achieve the third object, the technical solution adopted by the present invention is specifically as follows:
a computer-readable storage medium on which an internet group-piecing financing program is stored, the internet group-piecing financing program implementing the internet financing method when executed by a processor.
In order to achieve the fourth object of the present invention, the technical solution adopted by the present invention is specifically as follows:
a terminal comprises a memory, a processor and an Internet group-piecing financing program which is stored on the memory and can run on the processor, wherein the processor realizes the Internet financing method when executing the Internet group-piecing financing program.
Compared with the prior art, the invention has the beneficial effects that:
1. according to the Internet group-piecing financing method and device, the computer storage medium and the terminal, investment is carried out through a group-piecing mode, so that a user can invite friends to piece together, the group-piecing financing not only increases the fission and propagation of Internet financing, but also achieves the purpose of obtaining higher income through small-amount decentralized fund centralized financing. Moreover, the user can purchase the grouping product only on the premise of completing real-name authentication and opening the electronic account on the platform, so that the safety of grouping financing is greatly improved.
2. According to the internet group-piecing financing method, device, computer storage medium and terminal, the fixed number of people or the number of users of the group-piecing is not needed to be set, only the upper limit of the amount of money of the group-piecing (namely the maximum group-piecing amount of money) is set, the group-piecing income can be enjoyed when the maximum group-piecing amount of money is reached or the group-piecing ending time is reached, the group-piecing success rate of the financing product is increased, so that a group-participating user can conveniently buy the group-piecing product again, one person can enjoy the group-piecing income, and the group-piecing success rate is greatly. In addition, the Internet group-piecing financing method, the Internet group-piecing financing device, the computer storage medium and the Internet terminal only need more than two different users to participate in the group, the group-piecing financing effect can be achieved, the users can exchange investment thoughts, the investment confidence is enhanced, and the worry of the users about the safety of the financing products is relieved.
3. The invention relates to an internet group-piecing financing method, an internet group-piecing financing device, a computer storage medium and a terminal, wherein the relationship between the group-piecing income and the current group-piecing amount is as follows: and P is (T/S) Pm, wherein P is the party-piecing income expected to be issued to the user, T is the current party-piecing amount, S is the maximum party-piecing amount set by the platform, and Pm is the maximum party-piecing income set by the platform, so that the higher the total investment amount of the party-piecing financing is, the higher the party-piecing income is.
The foregoing description is only an overview of the technical solutions of the present invention, and in order to make the technical means of the present invention more clearly understood, the present invention may be implemented in accordance with the content of the description, and in order to make the above and other objects, features, and advantages of the present invention more clearly understood, the following preferred embodiments are described in detail with reference to the accompanying drawings.
Drawings
FIG. 1 is a flow chart of the method of the present invention for internet group-sharing financing in a preferred embodiment.
Fig. 2 is a schematic structural diagram of a preferred embodiment of the internet group-piecing financing device of the present invention.
Detailed Description
To further illustrate the technical means and effects of the present invention adopted to achieve the predetermined objects, the following detailed description of the embodiments, structures, features and effects according to the present invention with reference to the accompanying drawings and preferred embodiments is as follows:
as shown in fig. 1, the internet group-piecing financing method of the invention comprises the following steps:
s01, the system sets product information and grouping information of the financing product, establishes grouping mode of the financing product, and enables the financing product to become a grouping product;
the product information comprises product name, product type, product yield, product deadline, interest rule, drawing rule, product description and transaction step;
the piecing information comprises piecing issuing time, piecing starting time, piecing finishing time, maximum piecing amount, maximum piecing income and piecing position holding time.
S02, the system publishes the piecing product on the platform and recommends the piecing product to the user according to the user attribute and the behavior characteristic;
wherein the user attributes comprise user gender, age, occupation, address, asset position amount and the like. The behavior characteristics comprise financial product purchase records, financial product purchase frequency, product type preference, product browsing records, product collection records, grouping participation records and the like.
S03, the system firstly displays the product information and the grouping information of the grouping product to the user on the platform, then opens the group opening reminding appointment to the user and informs the user when the group starting time is reached.
S04, after the user initiates the grouping request, the system checks whether the user logs in the platform:
if the user does not log in the platform, the system jumps to a platform login interface; the modes of logging in the platform comprise account password login, mobile phone verification code login, WeChat quick login, mobile phone number one-key login and the like;
if the user logs in the platform, the system checks whether the user completes real-name authentication:
if the user does not finish the real-name authentication, the system jumps to a real-name authentication interface; the real-name authentication comprises uploading a user identity card, binding a user bank card, verifying a reserved mobile phone number of the bank card and face living body verification.
If the user has completed real-name authentication, the system checks whether the user opens the electronic account on the platform:
if the user does not open the electronic account on the platform, the system skips an electronic account opening interface;
if the user opens the electronic account on the platform, the system enters a buying flow of the grouping product;
the electronic account opening comprises a personal information verification step, a personal occupation improvement step, a bank card binding step and a face recognition step;
the grouping product purchasing process sequentially comprises electronic account recharging and financial product purchasing. After the user recharges the amount to the electronic account, the user can purchase financial products not more than the amount; the electronic account recharge comprises bank card quick payment and electronic account transfer.
S05, the system responds to the success of joining the group of the user after the user successfully buys the product of joining the group; the portion of the purchase amount exceeding the set maximum piecing amount does not enjoy the piecing profit. The system supports the group users to buy the grouping products again or invite friends to buy the grouping products. Within the maximum grouping amount, the larger the grouping amount is, the higher the final grouping income of the user is.
S06, the system pre-estimates the party-piecing income according to the current party-piecing amount during the duration of the party-piecing; the relationship between the party-piecing income and the current party-piecing amount is as follows: and P is (T/S) Pm, wherein P is the party-piecing income expected to be issued to the user, T is the current party-piecing amount, S is the maximum party-piecing amount set by the platform, and Pm is the maximum party-piecing income set by the platform.
S07, completing the grouping by the system after the maximum grouping amount or the grouping ending time is reached; and determining the grouping income of grouping financing at the time according to the proportion of the final grouping amount to the maximum grouping amount.
S08, the system issues the piecing income to the electronic account of the user after the user holds the purchased financing product to the piecing position; if the user draws the piecing product in advance, the piecing income is invalid and is not issued. The grouping and holding time refers to the holding time of the financial product, and the specific time is adjusted correspondingly according to the holding time of the financial product without specially appointing a specific time limit.
According to the Internet group-piecing financing method, investment is carried out through a group-piecing mode, so that a user can invite friends to piece together, group-piecing financing not only increases fission and propagation of Internet financing, but also achieves the purpose of obtaining higher income through small amount of scattered fund centralized financing. Moreover, the user can purchase the grouping product only on the premise of completing real-name authentication and opening the electronic account on the platform, so that the safety of grouping financing is greatly improved.
In addition, the internet grouping and financing method of the invention only sets the upper limit of the amount of grouping (namely the maximum grouping amount) without setting the fixed number of people or the number of users of the grouping, and can enjoy the grouping income when the maximum grouping amount is reached or the grouping ending time is reached, thereby increasing the grouping success rate of financing products, facilitating the grouping users to purchase the grouping products again, enabling one person to enjoy the grouping income, and greatly providing the grouping success rate. In addition, the Internet group-piecing financing method of the invention only needs more than two different users to participate in the group, the group-piecing financing can achieve the clustering effect, the users can exchange investment thoughts, the investment confidence is enhanced, and the worry of the users on the safety of the financing products is reduced.
The internet group-piecing financing method of the invention has the following relation between the group-piecing income and the current group-piecing amount: and P is (T/S) Pm, wherein P is the party-piecing income expected to be issued to the user, T is the current party-piecing amount, S is the maximum party-piecing amount set by the platform, and Pm is the maximum party-piecing income set by the platform, so that the higher the total investment amount of the party-piecing financing is, the higher the party-piecing income is.
As shown in FIG. 2, the Internet grouping financing device of the invention comprises
The system comprises an establishing module, a grouping module and a grouping module, wherein the establishing module is used for setting product information and grouping information of the financial products by the system, and establishing a grouping mode of the financial products so that the financial products become grouping products;
the product information comprises product name, product type, product yield, product deadline, interest rule, drawing rule, product description and transaction step;
the piecing information comprises piecing issuing time, piecing starting time, piecing finishing time, maximum piecing amount, maximum piecing income and piecing position holding time.
The release and recommendation module is used for releasing the grouping product on a platform by the system and recommending the grouping product to the user according to the user attribute and/or the behavior characteristic; the user attributes include user gender, age, occupation, address, asset position amount, etc. The behavior characteristics comprise financial product purchase records, financial product purchase frequency, product type preference, product browsing records, product collection records, grouping participation records and the like.
And the display module is used for displaying the product information and the grouping information of the grouping product to the user on the platform.
And the purchasing module is used for indicating the user to enter a purchasing process of the grouping product after the system receives the grouping request initiated by the user and the user completes the real-name authentication and opens the electronic account.
The response module is used for responding to the successful group participation of the user after the user successfully purchases the grouped product; the portion of the purchase amount exceeding the set maximum piecing amount does not enjoy the piecing profit. The system supports the group users to buy the grouping products again or invite friends to buy the grouping products. Within the maximum grouping amount, the larger the grouping amount is, the higher the final grouping income of the user is.
The pre-estimation income module is used for the system to pre-estimate the grouping income according to the current grouping amount during the grouping duration; the relationship between the party-piecing income and the current party-piecing amount is as follows: and P is (T/S) Pm, wherein P is the party-piecing income expected to be issued to the user, T is the current party-piecing amount, S is the maximum party-piecing amount set by the platform, and Pm is the maximum party-piecing income set by the platform. Therefore, the higher the total investment amount of the group-pieced financing, the higher the group-pieced profit.
The grouping ending module is used for completing grouping by the system after the maximum grouping amount or grouping ending time is reached; and determining the grouping income of grouping financing at the time according to the proportion of the final grouping amount to the maximum grouping amount.
The profit issuing module is used for the system to issue the piecing profit to the electronic account of the user after the user holds the purchased financing product and the time for the piecing position; if the user draws the piecing product in advance, the piecing income is invalid and is not issued.
The internet group-piecing financing device invests in a group-piecing mode, so that a user can invite friends to piece together, the group-piecing financing not only increases the fission and propagation of internet financing, but also realizes the purpose of obtaining higher income by small amount of decentralized fund centralized financing. Moreover, the user can purchase the grouping product only on the premise of completing real-name authentication and opening the electronic account on the platform, so that the safety of grouping financing is greatly improved.
In addition, the internet grouping and financing device only sets the upper limit of the amount of the grouping (namely the maximum grouping amount) without setting the fixed number of people or the number of users of the grouping, can enjoy the grouping income when the maximum grouping amount is reached or the grouping ending time is reached, increases the grouping success rate of the financing product, thereby being convenient for a grouping user to purchase the grouping product again, and one person can enjoy the grouping income, and greatly provides the grouping success rate. In addition, the internet group-piecing financing device can achieve the grouping effect by only needing more than two different users to participate in the group, so that the users can exchange investment thoughts, the investment confidence is enhanced, and the worry of the users on the safety of the financing products is relieved.
Specifically, the purchasing module comprises a platform login checking module, a real-name authentication module, an electronic account opening checking module and a purchasing process entering module which are sequentially connected;
wherein the content of the first and second substances,
the platform login checking module is used for checking whether the user logs in the platform after the user initiates the grouping request, namely:
if the user does not log in the platform, the system jumps to a platform login interface; the modes for logging in the platform comprise account password login, mobile phone verification code login, WeChat quick login, mobile phone number one-key login and the like;
if the user logs in the platform, the system checks whether the user completes real-name authentication.
The real-name authentication module is used for the system to verify whether the user completes the real-name authentication, namely:
if the user does not finish the real-name authentication, the system jumps to a real-name authentication interface;
if the user has completed real-name authentication, the system verifies whether the user opens the electronic account on the platform.
The electronic account opening verification module is used for verifying whether the user opens the electronic account on the platform or not by the system, namely:
if the user does not open the electronic account on the platform, the system skips an electronic account opening interface;
if the user has opened an electronic account on the platform, the system enters the purchase flow of the piecemeal product.
The electronic account opening comprises a personal information verification step, a personal occupation improvement step, a bank card binding step and a face recognition step;
and the purchase flow entering module is used for enabling the system to enter the purchase flow of the grouping product. The grouping product purchasing process sequentially comprises electronic account recharging and financial product purchasing. After the user recharges the amount to the electronic account, the user can purchase financial products not more than the amount; the electronic account recharge comprises bank card quick payment and electronic account transfer.
In order to enable a user to know the start time of grouping in time so as to buy the grouping product in grouping, the internet grouping and financing device further comprises a notification module, wherein the notification module is connected with the display module and is used for a system to open a group to remind the user of making an appointment and notify the user when the start time of grouping is reached.
The present invention also discloses a computer readable storage medium on which an internet group-piecing financing program is stored, which when executed by a processor implements the internet financing method described in S01 to S08 above.
The invention also discloses terminal equipment which comprises a memory, a processor and an internet group-piecing financing program which is stored on the memory and can run on the processor, wherein the processor realizes the internet financing methods from S01 to S08 when executing the internet group-piecing financing program.
The above embodiments are only preferred embodiments of the present invention, and the protection scope of the present invention is not limited thereby, and any insubstantial changes and substitutions made by those skilled in the art based on the present invention are within the protection scope of the present invention.
Claims (10)
1. An internet group-piecing financing method is characterized in that: the method comprises the following steps:
s01, the system sets product information and grouping information of the financing product, establishes grouping mode of the financing product, and enables the financing product to become a grouping product;
the product information comprises product name, product type, product yield, product deadline, interest rule, drawing rule, product description and transaction step;
the grouping information comprises grouping issuing time, grouping starting time, grouping finishing time, maximum grouping amount, maximum grouping income and grouping position holding time;
s02, the system publishes the grouping product on the platform and recommends the grouping product to the user according to the user attribute and/or the behavior characteristic;
s03, the system displays the product information and the grouping information of the grouping product to the user on the platform;
s04, the system indicates the user to enter the buying flow of the piecing together product after receiving the request of the user for initiating the piecing together and completing the real name authentication and opening the electronic account;
s05, the system responds to the successful group participation of the user after the user successfully purchases the grouped product;
s06, the system pre-estimates the party-piecing income according to the current party-piecing amount during the duration of the party-piecing; the relationship between the party-piecing income and the current party-piecing amount is as follows: p is (T/S) Pm, wherein P is the party-piecing income expected to be issued to the user, T is the current party-piecing amount, S is the maximum party-piecing amount set by the platform, and Pm is the maximum party-piecing income set by the platform;
s07, completing the grouping by the system after the maximum grouping amount or the grouping ending time is reached;
s08, the system issues the piecing yields to the user' S electronic account after the user holds the purchased financial product to the piecing position time.
2. The internet group-piecing financing method according to claim 1, characterized in that: the S04 further includes the steps of:
the system checks whether the user logs in the platform after the user initiates the grouping request:
if the user does not log in the platform, the system jumps to a platform login interface;
if the user logs in the platform, the system checks whether the user completes real-name authentication.
3. The internet group-piecing financing method according to claim 2, characterized in that: the S04 further includes the steps of:
if the user does not finish the real-name authentication, the system jumps to a real-name authentication interface;
if the user has completed real-name authentication, the system verifies whether the user opens the electronic account on the platform.
4. The internet group-piecing financing method according to claim 3, characterized in that: the S04 further includes the steps of:
if the user does not open the electronic account on the platform, the system skips an electronic account opening interface;
if the user has opened an electronic account on the platform, the system enters the purchase flow of the piecemeal product.
5. The internet group-piecing financing method according to claim 4, characterized in that: the electronic account opening comprises a personal information verification step, a personal occupation improvement step, a bank card binding support step and a face recognition step.
6. The internet group-piecing financing method according to any one of claims 1 to 5, characterized in that: the S03 further includes the steps of:
the system opens a start bolus reminder appointment to the user and notifies the user when the start time of the bolus is reached.
7. The utility model provides a device of managing wealth of piecing together in internet which characterized in that: comprises that
The system comprises an establishing module, a grouping module and a grouping module, wherein the establishing module is used for setting product information and grouping information of the financial products by the system, and establishing a grouping mode of the financial products so that the financial products become grouping products;
the product information comprises product name, product type, product yield, product deadline, interest rule, drawing rule, product description and transaction step;
the grouping information comprises grouping issuing time, grouping starting time, grouping finishing time, maximum grouping amount, maximum grouping income and grouping position holding time;
the release and recommendation module is used for releasing the grouping product on a platform by the system and recommending the grouping product to the user according to the user attribute and/or the behavior characteristic;
the display module is used for displaying the product information and the grouping information of the grouping product to the user on the platform by the system;
the system comprises a purchasing module, a group-piecing module and a group-piecing module, wherein the purchasing module is used for indicating the user to enter a purchasing process of a group-piecing product after the system receives a group-piecing request initiated by the user and the user completes real-name authentication and opens an electronic account;
the response module is used for responding to the successful group participation of the user after the user successfully purchases the grouped product;
the pre-estimation income module is used for the system to pre-estimate the grouping income according to the current grouping amount during the grouping duration; the relationship between the party-piecing income and the current party-piecing amount is as follows: p is (T/S) Pm, wherein P is the party-piecing income expected to be issued to the user, T is the current party-piecing amount, S is the maximum party-piecing amount set by the platform, and Pm is the maximum party-piecing income set by the platform;
the grouping ending module is used for completing grouping by the system after the maximum grouping amount or grouping ending time is reached;
and the profit issuing module is used for issuing the grouping profit to the electronic account of the user by the system after the time from the user holding the purchased financial products to the grouping position.
8. The internet grouping and financing device according to claim 7, characterized in that: the system also comprises a notification module, wherein the notification module is connected with the display module and is used for starting the group opening reminding appointment for the user by the system and notifying the user when the group splicing starting time is reached.
9. A computer-readable storage medium characterized by: an internet banking program stored thereon, which when executed by a processor implements the internet banking method of any one of claims 1-6.
10. A terminal, characterized by: comprising a memory, a processor and an internet banking program stored on said memory and executable on said processor, said processor implementing the internet banking method according to any one of claims 1-6 when executing said internet banking program.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202010730112.8A CN111833192A (en) | 2020-07-27 | 2020-07-27 | Internet group-piecing financing method and device, computer storage medium and terminal |
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| CN202010730112.8A CN111833192A (en) | 2020-07-27 | 2020-07-27 | Internet group-piecing financing method and device, computer storage medium and terminal |
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