CN115099937A

CN115099937A - Asset configuration information sharing method and system and computer equipment

Info

Publication number: CN115099937A
Application number: CN202210738919.5A
Authority: CN
Inventors: 黄毅
Original assignee: Ping An Bank Co Ltd
Current assignee: Ping An Bank Co Ltd
Priority date: 2022-06-27
Filing date: 2022-06-27
Publication date: 2022-09-23

Abstract

The invention provides an asset configuration information sharing method, computer equipment and system. The asset configuration information sharing method comprises the following steps: judging whether an inquiry request is received, wherein the inquiry request comprises account information; when a query request is received, calling a plurality of configuration schemes with owner information according to account information; judging whether the configuration scheme is shared by common users or not according to the owner information; when the configuration scheme is a common user, dividing the configuration scheme into a plurality of configuration groups according to the configuration amount; providing a plurality of fund options which are in one-to-one correspondence with the plurality of configuration groups; judging the received fund option confirmation information; displaying the configuration scheme of the corresponding configuration group according to the fund option confirmation information; judging whether configuration scheme confirmation information is received or not; and when the configuration scheme confirmation information is received, displaying the configuration strategy of the corresponding configuration scheme according to the configuration scheme confirmation information. The technical scheme of the invention effectively solves the problem that the asset configuration information is not shared.

Description

Asset configuration information sharing method and system and computer equipment

Technical Field

The invention relates to the technical field of financial science and technology, in particular to an asset configuration information sharing method and system and computer equipment.

Background

The wealth diagnosis function is an important component in a banking system, is based on a KYC of a user and a set of recommendation algorithms of a bank, displays asset configuration conditions of the user in a classified mode, provides configuration suggestions, and displays health degree scores displayed by the algorithms.

The function has the defects that a user can only know the current configuration scheme based on a manager, advertisements and the like, financial knowledge of a plurality of wealth customers is insufficient, even if professionals guide the financial knowledge, the user can hardly understand the theory and terminology of the financial industry at all times, the user can have touch resistance to unfamiliar things at first, and the user can receive unfamiliar things in a short time, so that real case sharing is an important way.

The comment and share function is very important in guiding the user to perform asset configuration.

Disclosure of Invention

The invention provides an asset configuration information sharing method, a system and computer equipment thereof, wherein different users can share an asset configuration scheme.

In a first aspect, the present invention provides an asset configuration information sharing method, including:

judging whether a query request is received or not, wherein the query request comprises account information;

when a query request is received, calling a plurality of configuration schemes according to the account information, wherein the configuration schemes comprise owner information, configuration money and configuration strategies;

judging whether the owner of the configuration scheme is a common user or not according to the owner information;

when the owner of the configuration scheme is a common user, dividing the configuration schemes into a plurality of configuration groups according to the configuration amount;

displaying a plurality of fund options, wherein the fund options correspond to the configuration groups one by one;

judging whether fund option confirmation information is received or not;

when fund option confirmation information is received, displaying a configuration scheme of a corresponding configuration group according to the fund option confirmation information;

judging whether configuration scheme confirmation information is received or not; and

and when receiving the configuration scheme confirmation information, displaying the configuration strategy of the corresponding configuration scheme according to the configuration scheme confirmation information.

Preferably, the account information includes a risk level, and calling the plurality of configuration schemes according to the account information specifically includes:

acquiring a referenceable user with the level difference of the risk level within a preset range; and

and acquiring the configuration scheme of the referenceable user within preset time.

Preferably, the dividing the plurality of configuration schemes into a plurality of configuration groups according to the configuration amount specifically comprises:

acquiring a plurality of preset money levels; and

and dividing the configuration schemes corresponding to the configuration money matched with the preset money level into the same configuration group.

Preferably, the displaying of the plurality of fund options specifically comprises:

and displaying the preset money level.

Preferably, after the configuration policy of the corresponding configuration scheme is presented according to the configuration scheme confirmation information, the asset configuration information sharing method further includes:

and displaying a comment message area, wherein the comment message area comprises comment information of the configuration scheme.

Preferably, after the comment message area is displayed, the asset configuration information sharing method further includes:

judging whether a comment request is received or not, wherein the comment request comprises comment information; and when the comment request is received, displaying the comment information in the comment message leaving area.

Preferably, after the comment information is displayed in the comment message area, the asset configuration information sharing method further includes:

judging whether the account information is consistent with the owner information; and

and when the account information is consistent with the owner information, marking the comment information as an owner comment.

Preferably, before the comment information is presented in the comment message area, the asset configuration information sharing method further includes:

judging whether the comment information comprises preset words or not; and

and when the comment information comprises a preset vocabulary, shielding the comment request.

In a second aspect, an embodiment of the present invention provides a computer device, where the computer device includes:

a memory for storing program instructions; and

a processor for executing the program instructions to implement the asset configuration information sharing method as described above.

In a third aspect, an embodiment of the present invention provides an asset configuration information sharing system, where the asset configuration information sharing system includes:

the device comprises a first judgment module, a second judgment module and a third judgment module, wherein the first judgment module is used for judging whether an inquiry request is received or not, and the inquiry request comprises account information;

the calling module is used for calling a plurality of configuration schemes according to the account information when receiving a query request, wherein the configuration schemes comprise owner information, configuration amount and configuration strategy;

the second judging module is used for judging whether the owner of the configuration scheme is a common user or not according to the owner information;

the dividing module is used for dividing the plurality of configuration schemes into a plurality of configuration groups according to the configuration amount when the owner of the configuration scheme is a common user;

the first display module is used for displaying a plurality of fund options, wherein the fund options correspond to the configuration groups one by one;

the third judging module is used for judging whether fund option confirmation information is received or not;

the second display module is used for displaying the configuration scheme of the corresponding configuration group according to the fund option confirmation information when the fund option confirmation information is received;

the fourth judging module is used for judging whether the configuration scheme confirmation information is received or not; and

and the third display module is used for displaying the configuration strategy of the corresponding configuration scheme according to the configuration scheme confirmation information when the configuration scheme confirmation information is received.

According to the asset configuration information sharing method, the system and the computer equipment, the user calls the configuration scheme shared by other users in the system through the selection of the fund amount and the risk level, can comment and discuss the configuration scheme shared by other users on the page of the comment user, and can also directly communicate with the owner belonging to the configuration scheme and discuss the personal experience.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the structures shown in the drawings without creative efforts.

Fig. 1 is a flowchart of an asset configuration information sharing method according to a first embodiment of the present invention.

Fig. 2 is a first sub-flowchart of an asset configuration information sharing method according to a first embodiment of the present invention.

Fig. 3 is a second sub-flowchart of the asset configuration information sharing method according to the first embodiment of the present invention.

Fig. 4 is a first sub-flowchart of an asset configuration information sharing method according to a second embodiment of the present invention.

Fig. 5 is a second sub-flowchart of an asset configuration information sharing method according to a second embodiment of the present invention.

Fig. 6 is a third sub-flowchart of an asset configuration information sharing method according to a second embodiment of the present invention.

Fig. 7 is a schematic diagram of an internal structure of an asset configuration information sharing system according to a first embodiment of the present invention.

Fig. 8 is a schematic diagram of the internal structure of the invocation module of the asset configuration information sharing system shown in fig. 7.

Fig. 9 is a schematic diagram of an internal structure of a partition module of the asset configuration information sharing system shown in fig. 7.

Fig. 10 is a schematic diagram of a first sub-internal structure of an asset configuration information sharing system according to a second embodiment of the present invention.

Fig. 11 is a schematic diagram of a second sub-internal structure of an asset configuration information sharing system according to a second embodiment of the present invention.

Fig. 12 is a timing diagram of an asset configuration information sharing method according to an embodiment of the present invention.

Fig. 13 is a schematic diagram of an internal structure of a computer device according to an embodiment of the present invention.

The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The terms "first," "second," "third," "fourth," and the like in the description and in the claims of the present application and in the above-described drawings (if any) are used for distinguishing between similar items and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances, in other words that the embodiments described are to be practiced in sequences other than those illustrated or described herein. Moreover, the terms "comprises," "comprising," and any variations thereof, may also encompass other things, such as processes, methods, systems, articles, or apparatus that comprise a list of steps or elements, but not necessarily limited to only those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such processes, methods, articles, or apparatus.

It should be noted that the description relating to "first", "second", etc. in the present invention is for descriptive purposes only and is not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of that feature. In addition, technical solutions between various embodiments may be combined with each other, but must be realized by a person skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination should not be considered to exist, and is not within the protection scope of the present invention.

Please refer to fig. 1 and fig. 12 in combination, which are flowcharts of an asset configuration information sharing method according to a first embodiment of the present invention, and fig. 12 is a timing diagram of the asset configuration information sharing method according to the embodiment of the present invention. The asset configuration information sharing method can be used in various field scenes, such as online investment scenes. Taking the scenario shown in fig. 12 as an example, the intelligent terminal 100 is communicatively connected to the computer device 300 of the bank. The asset configuration information sharing method specifically comprises the following steps.

Step S101, judging whether an inquiry request is received or not, wherein the inquiry request comprises account information.

In the method provided by the embodiment of the present invention, a client may log in an app of a bank to which the client belongs through the intelligent terminal 100, and send an inquiry request to the computer device 300 of the bank, where the intelligent terminal 100 may be a mobile phone, a tablet, or a computer, and the client sends the inquiry request to the computer device 300 of the bank, and the computer device 300 of the bank receives the inquiry request sent by the client through the intelligent terminal 100.

Specifically, when a customer can send an inquiry request to the bank computer device 300 through the intelligent terminal 100, the bank computer device 300 performs identity verification on a user account bound to the intelligent terminal 100 and the intelligent terminal 100, where the user identity recognition can be performed by one or more methods such as password recognition, face recognition, fingerprint recognition, and the like, and after the identity verification is passed, the bank computer device 300 extracts account information bound to the customer account.

When the inquiry request is received, step S102 is performed.

And S102, calling a plurality of configuration schemes according to the account information, wherein the configuration schemes comprise owner information, configuration amount and configuration strategy.

In the method provided by the embodiment of the present invention, the repository of the computer device 300 of the bank stores the configuration schemes of the general users, the configuration schemes of the fund managers, the configuration schemes of the large-scale investment companies, and the like. Accordingly, the owner includes, but is not limited to, a general user, a fund manager, a large investment company, etc., and each configuration is marked with corresponding owner information while being stored in the database.

The allocation amount and the allocation strategy comprise one or more combinations of equity investment, bond investment, security investment, currency investment, insurance investment and the like of the allocation scheme, and the allocation amount is the actual amount of the investment in the investment. It will be appreciated that each configuration scheme has a corresponding configuration amount and configuration policy.

The specific process of invoking several configuration schemes according to the account information will be described in detail below.

And step S103, judging whether the owner of the configuration scheme is a common user or not according to the owner information.

The computer device 300 determines whether the owner of the configuration scheme is a general user according to the owner information in the retrieved configuration scheme.

When the owner of the configuration scheme is a normal user, step S104 is executed.

And step S104, dividing the plurality of configuration schemes into a plurality of configuration groups according to the configuration amount. Wherein each of the configuration groups includes a number of configuration schemes. The specific process of dividing the configuration schemes into configuration groups according to the configuration amount will be described in detail below.

Step S105, displaying a plurality of fund options, wherein the fund options correspond to the configuration groups one by one. The computer device 300 presents a number of funds options to the customer via the intelligent terminal 100.

The specific process of how the several funding options are presented will be described in detail below.

Step S106, judging whether fund option confirmation information is received. When the customer selects one of the several fund options according to his/her own situation, the intelligent terminal 100 generates corresponding fund option confirmation information and transmits the corresponding fund option confirmation information to the computer device 300.

When the fund option confirmation information is received, step S107 is performed.

And step S107, displaying the configuration scheme of the corresponding configuration group according to the fund option confirmation information. When the computer device 300 receives the fund option confirmation message, the configuration scheme of the configuration group corresponding to the fund option is presented to the customer through the intelligent terminal 100.

Step S108, judging whether the configuration scheme confirmation information is received. When the client selects one of the configuration schemes in the configuration group according to the situation of the client, the intelligent terminal 100 generates corresponding configuration scheme confirmation information and transmits the configuration scheme confirmation information to the computer device 300.

When the configuration scheme confirmation information is received, step S109 is performed.

And step S109, displaying the configuration strategy of the corresponding configuration scheme according to the configuration scheme confirmation information.

In the method provided by the embodiment of the invention, a specific configuration strategy is specifically displayed, and the predicted profit amount of the scheme so far is displayed; the user can view the specific configuration scheme policy and the specific product corresponding to the policy, and can view the specific product details.

The user selects the configuration schemes of other users screened by the bank according to the configuration fund and the risk level by sending a query request, and refers to the configuration schemes of other users, so as to achieve the scheme sharing of the user level.

Please refer to fig. 2, which is a first sub-flowchart of an asset configuration information sharing method according to a first embodiment of the present invention. The account information includes a risk level, and step S102 specifically includes the following steps.

And step S202, acquiring a referenceable user with the level difference with the risk level within a preset range.

Specifically, the customer account information includes fund information, personal information, reservation information and risk level in the account. The customer opens a transaction account and signs a transaction agreement in the bank in advance, and simultaneously knows and signs a related guarantee agreement with the help of bank staff, so that the risk level after evaluation is obtained. The risk levels comprise five financing risk levels which are progressive in turn of a cautious type, a robust type, a balanced type, an aggressive type and an aggressive type. Generally, banks and their staff do not recommend to a low-ranked user a financial product that exceeds the user's affiliated risk level. The customer binds his own account with the intelligent terminal 100 through the intelligent terminal 100, and the computer device 300 of the bank obtains the account information therein and extracts the risk level therein by verifying the intelligent terminal 100.

Step S204, acquiring the configuration scheme of the referenceable user in the preset time.

In this embodiment, the predetermined time is one year. In other possible embodiments, the preset time may be half a year or two years, and the preset time may also be set according to practical situations, and is not limited herein.

Under legal regulations, companies of banking or financial products are obligated to prevent users from purchasing products beyond their capabilities without knowing or being reasonably aware of the risk.

Please refer to fig. 3, which is a second sub-flowchart of the asset configuration information sharing method according to the first embodiment of the present invention. Step S104 specifically includes the following steps.

Step S302, a plurality of preset money levels are obtained.

In the method provided by the embodiment of the present invention, the preset money level includes, but is not limited to, 10 to 30 ten thousand, 30 to 50 ten thousand, 50 to 70 ten thousand, 70 to 90 ten thousand, 90 to 100 ten thousand, and so on. The preset money level is preset in the computer device 300 by a bank worker.

In other possible embodiments, the preset money level may be divided according to actual situations, and is not limited herein.

Step S304, the configuration schemes corresponding to the configuration amounts matched with the preset amount levels are divided into the same configuration group. That is, the allocation schemes corresponding to the allocation amounts of between 10 and 30 ten thousand are divided into the same allocation group, the allocation schemes corresponding to the allocation amounts of between 30 and 50 ten thousand are divided into the same allocation group, the allocation schemes corresponding to the allocation amounts of between 50 and 70 ten thousand are divided into the same allocation group, the allocation schemes corresponding to the allocation amounts of between 70 and 90 ten thousand are divided into the same allocation group, the allocation schemes corresponding to the allocation amounts of between 90 and 100 ten thousand are divided into the same allocation group, and the allocation schemes corresponding to the allocation amounts of over 100 ten thousand are divided into the same allocation group. For example, if the configuration amount of configuration scheme a is 15 ten thousand and the configuration amount of configuration scheme B is 22 ten thousand, configuration scheme a and configuration scheme B are divided into the same configuration group.

Correspondingly, in step S105, a plurality of fund options are specifically shown as: and displaying the preset money level.

It can be understood that the computer device 300 displays six fund options on the page of the user of the intelligent terminal 100, wherein the six fund options respectively correspond to six configuration groups one by one, and correspondingly display words of "10 ten thousand to 30 ten thousand", "30 ten thousand to 50 ten thousand", "50 ten thousand to 70 ten thousand", "70 ten thousand to 90 ten thousand", "90 to 100 ten thousand" and "more than 100 ten thousand" for the customer to select.

Please refer to fig. 4, which is a first sub-flowchart of an asset configuration information sharing method according to a second embodiment of the present invention. The asset configuration information sharing method provided by the second embodiment is different from the asset configuration information sharing method provided by the first embodiment in that, after step S109 is performed, the asset configuration information sharing method provided by the second embodiment further includes the following steps.

Step S402, displaying a comment message area, wherein the comment message area comprises comment information of the configuration scheme.

Step S404, judging whether a comment request is received, wherein the comment request comprises comment information.

When the comment request is received, step S406 is executed.

Step S406, displaying the comment information in the comment message area.

Please refer to fig. 5, which is a second sub-flowchart of an asset configuration information sharing method according to a second embodiment of the present invention. After the comment information is displayed in the comment message area, the asset configuration information sharing method provided by the second embodiment further includes the following steps.

Step S502, judging whether the account information is consistent with the owner information.

When the account information is consistent with the owner information, step S504 is performed.

And step S504, marking the comment information as an owner comment.

Specifically, when the owner leaves a message for the own configuration scheme, that is, the user leaves a comment message for the historical configuration scheme configured by the owner, the comment message is synchronized to the comment message area of the corresponding configuration scheme and is marked as a comment of the owner of the configuration scheme. And other users can also communicate with the owner directly after seeing the configuration scheme in a manner similar to the in-station communication.

Through the setting of the comment area, the user can communicate with the user in a straight line, and can better understand various products with the help of mutual discussion.

Please refer to fig. 6, which is a third sub-flowchart of the asset configuration information sharing method according to the second embodiment of the present invention. Before the comment information is displayed in the comment message area, the asset configuration information sharing method provided by the second embodiment further includes the following steps.

Step S602, determining whether the comment information includes a preset vocabulary. The predetermined vocabulary includes, but is not limited to, words related to politics, financial insides, and other non-compliant laws and regulations.

When the comment information includes a preset vocabulary, step S604 is performed.

Step S604, shielding the comment request.

Specifically, when the comment relates to politics, financial insides, and other preset words that do not comply with laws and regulations, the computer device 300 of the bank automatically masks the comment request and does not issue the comment information to the comment message area.

Please refer to fig. 13, which is a schematic diagram illustrating an internal structure of a computer apparatus 200 according to an embodiment of the present invention. The computer device 200 specifically includes a memory 210 and a processor 220. The memory 210 is used to store program instructions and the processor 220 is used to execute the program instructions to implement the asset configuration information sharing method described above.

In some embodiments, the processor 220 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor or other data processing chip for executing program instructions stored in the memory 210.

The memory 210 includes at least one type of readable storage medium including flash memory, a hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory, etc.), a magnetic memory, a magnetic disk, an optical disk, and the like. The memory 210 may be an internal storage unit of the computer device 200, such as a hard disk of the computer device 200, in some embodiments. The memory 210 may also be an external storage device of the computer device 200 in other embodiments, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) card, a flash card (FlashCard), etc. provided on the computer device 200. Further, the memory 210 may also include both internal storage units and external storage devices of the computer device 200. The memory 210 may be used not only to store application software installed in the computer device 200 and various types of data, such as codes implementing an asset configuration information sharing method, etc., but also to temporarily store data that has been output or will be output.

Please refer to fig. 7, which is a schematic diagram illustrating an internal structure of an asset configuration information sharing system according to a first embodiment of the present invention. The asset configuration information sharing system 50 includes a first determining module 201, a retrieving module 202, a second determining module 203, a dividing module 204, a first displaying module 205, a third determining module 206, a second displaying module 207, a fourth determining module 208, and a third displaying module 209.

The first determining module 201 is configured to determine whether an inquiry request is received, where the inquiry request includes account information. In the method provided by the embodiment of the present invention, a client may log in an app of a bank to which the client belongs through the intelligent terminal 100, and send an inquiry request to the computer device 300 of the bank, where the intelligent terminal 100 may be various intelligent devices such as a mobile phone, a tablet, or a computer, and the client sends the inquiry request to the computer device 300 of the bank, and the computer device 300 of the bank receives the inquiry request sent by the client through the intelligent terminal 100.

The retrieving module 202 is configured to retrieve a plurality of configuration schemes according to the account information when receiving a query request, where the configuration schemes include owner information, a configuration amount, and a configuration policy.

A second judging module 203, configured to judge whether the owner of the configuration scheme is a normal user according to the owner information. In the method provided by the embodiment of the present invention, the repository of the computer device 300 of the bank stores the configuration schemes including but not limited to the configuration scheme of the general user, the configuration scheme of the fund manager, the configuration scheme of the large investment company, and the like, and each configuration scheme is marked with owner information while being stored in the database.

A dividing module 204, configured to divide the configuration schemes into configuration groups according to the configuration amount.

A first presentation module 205, configured to present a plurality of fund options, where the plurality of fund options correspond to the plurality of configuration groups one to one.

A third determining module 206, configured to determine whether the fund option confirmation message is received.

The second display module 207 is configured to, when the fund option confirmation information is received, display the configuration schemes of the corresponding configuration groups according to the fund option confirmation information;

a fourth determining module 208, configured to determine whether configuration scheme confirmation information is received.

A third display module 209, configured to display the configuration policy of the corresponding configuration scheme according to the configuration scheme confirmation information. In the method provided by the embodiment of the invention, a specific configuration strategy is specifically displayed, and the predicted profit amount of the scheme so far is displayed; the user can view the specific configuration scheme policy and the specific product corresponding to the policy, and can view the specific product details.

Please refer to fig. 8, which is a schematic diagram of an internal structure of a retrieving module according to a first embodiment of the present invention. The retrieval module 202 includes a first retrieval module 302 and a second retrieval module 304.

A first obtaining module 302, configured to obtain a referenceable user with a level difference from the risk level within a preset range

A second obtaining module 304, configured to obtain the configuration scheme of the referent user within a preset time.

Please refer to fig. 9, which is a schematic diagram of an internal structure of a partitioning module according to a first embodiment of the present invention. The partitioning module 204 includes a third fetching module 402 and a first partitioning module 404.

And a third invoking module 402, configured to obtain a plurality of preset money levels.

A first dividing module 404, configured to divide the configuration schemes corresponding to the configuration amounts matched with the preset amount levels into the same configuration group.

Please refer to fig. 10, which is a schematic diagram of a first sub-internal structure of an asset configuration information sharing system according to a second embodiment of the present invention.

A fourth displaying module 502, configured to display a comment message area, where the comment message area includes comment information of the configuration scheme.

A fifth judging module 504, configured to judge whether a comment request is received, where the comment request includes comment information.

A fifth displaying module 506, configured to display the comment information in the comment message area.

A sixth determining module 508, configured to determine whether the account information is consistent with the owner information.

A marking module 509, configured to mark the comment information as an owner comment when the account information is consistent with the owner information. Specifically, when the owner leaves a message for the own configuration scheme, that is, the user leaves a comment message for the historical configuration scheme configured by the owner, the comment message is synchronized into the comment message area corresponding to the configuration scheme and is marked as a comment of the owner of the configuration scheme. And other users can also communicate with the owner directly after seeing the configuration scheme in a manner similar to the in-station communication.

Please refer to fig. 11, which is a schematic diagram of a second sub-internal structure of the asset configuration information sharing system according to a second embodiment of the present invention.

A masking module 602 for masking the comment request

Specifically, when the comment relates to politics, financial insides and other preset vocabularies which do not conform to laws and regulations, the shielding module 602 of the bank automatically shields the comment request and does not release the comment information to the comment message area.

In the embodiment, through the asset configuration information sharing method, the user invokes the configuration scheme shared by other users in the system through the selection of the fund amount and the risk level, and can comment and discuss the configuration scheme shared by other users on the comment user page, and can also directly communicate with the owner of the configuration scheme to discuss personal experience.

It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, insofar as these modifications and variations of the invention fall within the scope of the claims of the invention and their equivalents, the invention is intended to include these modifications and variations.

While the invention has been described with reference to what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not to be limited to the disclosed embodiment, but on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.

Claims

1. An asset allocation information sharing method, characterized in that the asset allocation information sharing method comprises:

when the owner of the configuration scheme is a common user, dividing the plurality of configuration schemes into a plurality of configuration groups according to the configuration amount;

judging whether fund option confirmation information is received or not;

and when configuration scheme confirmation information is received, displaying the configuration strategy of the corresponding configuration scheme according to the configuration scheme confirmation information.

2. The asset configuration information sharing method according to claim 1, wherein the account information includes a risk level, and invoking the plurality of configuration schemes according to the account information specifically includes:

acquiring a referenceable user with the level difference with the risk level within a preset range; and

3. The asset configuration information sharing method of claim 1 wherein dividing the plurality of configuration schemes into a plurality of configuration groups according to the configuration amount specifically comprises:

acquiring a plurality of preset money levels; and

4. The asset configuration information sharing method according to claim 3, wherein presenting a plurality of funding options specifically comprises:

and displaying the preset money level.

5. The asset configuration information sharing method according to claim 1, wherein after the configuration policy of the corresponding configuration scheme is presented according to the configuration scheme validation information, the asset configuration information sharing method further comprises:

6. The asset configuration information sharing method according to claim 5, wherein after the comment message area is presented, the asset configuration information sharing method further comprises:

judging whether a comment request is received or not, wherein the comment request comprises comment information; and

and when the comment request is received, displaying the comment information in the comment message leaving area.

7. The asset configuration information sharing method according to claim 6, wherein after the comment information is presented in the comment message area, the asset configuration information sharing method further comprises:

8. The asset configuration information sharing method according to claim 6, wherein before the comment information is presented in the comment message area, the asset configuration information sharing method further comprises:

judging whether the comment information comprises preset words or not; and

9. A computer device, characterized in that the computer device comprises:

a memory for storing program instructions; and

a processor for executing the program instructions to implement the asset configuration information sharing method of any of claims 1 to 8.

10. An asset configuration information sharing system, the asset configuration information sharing system comprising: