CN1477572A - Investment mangement account - Google Patents
Investment mangement account Download PDFInfo
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- CN1477572A CN1477572A CNA02142019XA CN02142019A CN1477572A CN 1477572 A CN1477572 A CN 1477572A CN A02142019X A CNA02142019X A CN A02142019XA CN 02142019 A CN02142019 A CN 02142019A CN 1477572 A CN1477572 A CN 1477572A
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- mangement
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Abstract
The present invention provides an investment management account. At least one automated computer system is used to make management, at least three kinds of finance accounts are combined, every account has its respective cis-position data, when the fund is used, said system can draw upon the fund according to certain order. The investment management account can integrate the deposit account, trust account, automatic transaction, share investment, amount of money of financial products and credit card into one body so as to provide convenience for user.
Description
(1) technical field
The relevant a kind of Investment mangement account of the present invention, specifically, relevant a kind of financial clique's business of can integrating allows the client freely use every financial product in single account in a center account, satisfies the Investment mangement account of clients fund scheduling and financing demand.
(2) background technology
The respective services that existing bank provided, as shown in Figure 1, Shang Weiyou can provide the product of conformability service, though the package saving deposit account can arrange the demand deposit more than the specified amount is changed into time deposit automatically, and with time deposit automatic setting mortgage, automatically give a facility extent, but and fail to integrate bank in or the product of other financial institution, for example the fund of the financing type housing loan of bank itself, commission and client are through the stock of broker purchase, bond etc.Under complicated situation, in order to adapt to these different financial products, the client must open different accounts, each other must be by user's manually scheduling voluntarily, and not only inconvenient, also be easy to generate mistake.
(3) summary of the invention
The purpose of this invention is to provide a kind of comprehensive Investment mangement account, every financial product can be integrated in the single account, and can when credit requirement is arranged, carry out funds transfer for the client automatically, to simplify user's funds transfer formality, fund more can be applied in a flexible way.
For achieving the above object, the invention provides a kind of Investment mangement account, be characterized in: be computer system management, be combined with at least three kinds of accounts of finances by at least one robotization, and set the cis-position data in each account, employ fund automatically in regular turn with system when employing fund.
Adopt the solution of the present invention can integrate infosystem in the financial clique, allow client's every financial product of can in single account, applying in a flexible way, for example deposit, loan, fund financing, Stock Trading, transaction with credit and credit card etc.The present invention has following function:
Multiple account can be integrated into single account;
Same account can have multiple and of different nature amount to set;
Height according to fund cost is employed from low to high in proper order;
Height liquidation in proper order from high to low according to fund cost;
Domestic and international fund is invested in robotization; And
Group's integrated service
For further specifying purpose of the present invention, design feature and effect, the present invention is described in detail below with reference to accompanying drawing.
(4) description of drawings
Fig. 1 is the related current account of Investment ﹠ Financing in the past.
Fig. 2 is each account's of an integrated management of the present invention Investment mangement account.
Fig. 3 employs the cis-position key diagram when employing fund.
Fig. 4 is the liquidation order key diagram of discharging when employing fund.
Fig. 5 is Investment mangement account of the present invention and other account's comparison.
Fig. 6 is that the interests of Investment mangement account compare.
(5) embodiment
Investment mangement account provided by the present invention, as shown in Figure 2, can control the account of several different in kinds, in Investment mangement account, set specific amount, when deposit reaches or be lower than specific amount, automatically apply to purchase/action of redemption fund, the client needn't worry about the balance of deposits in the account, and the too much circulating capital of need not leaving unused is in the lower current deposit account of earning rate.
With regard to it is comprehensive, because of the variety classes function being concentrated in the single account, can be the current or the storage account that lives, complete a business transaction special family etc. and integrate, be engaged in same account that deposit, automated transaction, credit card, the housing loan of financing type, deposit receipt matter are borrowed, stock is pledged, fund and investment in stocks activity etc., bankbook do not step on broken number according on do not have the restriction of stroke count yet.
Generally speaking, fund cost is minimum with the income of demand deposit, is the fund income secondly, secondly is the income on the stock again.With regard to existing financial service, money is stored in demand deposit need offers a current account, must offer an account in trust again during investment funds, when investment in stock, futures, must offer again again and complete a business transaction specially family of family, transaction with credit family or the like.These accounts operate independently of one another, when credit requirement is arranged, fund can not forward the account of demand automatically to from other account, must manually transfer fund with manpower, not only make mistakes easily, and, cause unnecessary investment loss (income minimizing) because user's individual factor often can not move fund in the best opportunity.
In the present invention the 1st embodiment, only need offer an Investment mangement account, can be according to setting, fund accumulate a certain amount of after, automatically transfer into the account that withholds of deposit account or fund, when the client marches into the arena operation stock, the fund of Investment mangement account can support stock to complete a business transaction withholing of family or fund transaction at any time, if the situation that Sorry, your ticket has not enough value is arranged, can control funds from other accounts such as deposit account automatically in the bank aspect, and when selling stock, the capital that obtains also can transfer into Investment mangement account from the lower family of completing a business transaction of interest rate automatically automatically, and can be according to original setting, transfer into the higher fund account of other income again buying the fund of prior setting, so the client need not worry about the account transfer matters between the various financial products.
For example shown in Figure 3, manage simultaneously at Investment mangement account under the situation of deposit account, account in trust, financing type housing loan account, stock accounts, when employing fund, because the earning rate of deposit account equals the rate of call about 4%, so employed at first, when a moving amount of money surpasses the balance of deposits,,, employed the fund of investment funds so being the 2nd because the earning rate with fund is lower among all the other each accounts.Because there are several days gap the redemption and the fund time of registering one's residence of fund, therefore bank can be in the required fund of advance (shenglvehao)for another this moment, and add meter or do not add the meter interest, for carrying out fund transfer in client's robotization ground, if moving the amount of money surpasses the total value of redemption fund, next system will move the overdraw project of Zhi Licai type housing loan isointerest rate about about 8-9% automatically.As for stock accounts, because average yield is annual rate 10-15%, so when credit requirement is arranged, be the account who is employed at last.When employing stock accounts, but system can automatically perform the action of selling stock and estimate the amount of money of advance (shenglvehao)for another simultaneously, need not wait until just actual moving Zhi Zijin when capital imports the account, so can zero time difference ground satisfy client's credit requirement.
Employ fund in liquidation, when for example selling stock, the amount of money of employing of selling the fund overdraw products such as financing type housing loan that the senior refunding interest rate is higher of stock, the left amount of money then enters deposit account, this moment, system can confirm automatically that whether the deposit account remaining sum is than the designated amounts height, if exceed designated amounts, system can buy fund automatically according to setting.
According to the present invention, the client can use the financial product of different financial institution in the same financial clique by an account, and can solve the client must be in the face of a plurality of accounts' puzzlement.
Because various accounts have been integrated into an Investment mangement account, therefore can reach omnibearing financing service by the keyholed back plate of single account, solve daily loaded down with trivial details account's matters, the scheduling problem of fund when also having solved Investment ﹠ Financing.When credit requirement is arranged, employ the balance of deposits earlier, disbursement from fund redemption money again, last moving again the overdraw project amount as financing type housing loan etc. can reduce the use cost of fund effectively; Having money on deposit when depositing in, according to the height of fund cost, will write off the amount of money of receiving of overdraw property project earlier, again remaining sum is left deposit or applies to purchase the fund of appointment automatically, to obtain best income and fully to grasp the operation of capital benefit.
By the centralized management of single Investment mangement account because and the fund between other investment in capital a/c flow and can carry out automatically, so can remove embarrassment and trouble that idol has a certain current account deposits deficiency from.
In addition, owing to, not only can enjoy the due professional service of bank, also can enjoy the integrated service of group, so more existing account is more superior by single Investment mangement account.
Though the present invention enumerates routine embodiment implementation detail of the present invention is described; but the present invention is not qualification with the content that the foregoing description was disclosed, and the variation of all equivalences and modification all should be included in the scope of patent protection that the application's claim is limited.
Claims (8)
1. an Investment mangement account is characterized in that: be the computer system management by at least one robotization, be combined with three kinds of accounts of finances, and set the cis-position data in each account, employ fund automatically in regular turn with system when employing fund at least.
2. Investment mangement account as claimed in claim 1, it is characterized in that described accounts of finance is at least 3 kinds of accounts that demand deposit, time deposit, delivery of security family, transaction with credit family, futures business family, credit card account, automated transaction account, the loan account of various kenels, fund are withholdd and selected among the accounts such as account, account in trust.
3. Investment mangement account as claimed in claim 1 is characterized in that, described cis-position data are that fund is employed cost.
4. Investment mangement account as claimed in claim 3 is characterized in that, described cis-position data are interest rates.
5. the management method of an Investment mangement account is characterized in that, may further comprise the steps:
By the computer system of at least one robotization,, when employing fund, employ fund automatically in regular turn to set the cis-position data according to each account in conjunction with at least three kinds of accounts of finances.
6. management method as claimed in claim 5, it is characterized in that described accounts of finance is at least 3 kinds of accounts that demand deposit, time deposit, delivery of security family, transaction with credit family, futures business family, credit card account, automated transaction account, the loan account of various kenels, fund are withholdd and selected among the accounts such as account, account in trust.
7. management method as claimed in claim 5 is characterized in that, described cis-position data are that fund is employed cost.
8. management method as claimed in claim 5 is characterized in that, described cis-position data are interest rates.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA02142019XA CN1477572A (en) | 2002-08-21 | 2002-08-21 | Investment mangement account |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA02142019XA CN1477572A (en) | 2002-08-21 | 2002-08-21 | Investment mangement account |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1477572A true CN1477572A (en) | 2004-02-25 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA02142019XA Pending CN1477572A (en) | 2002-08-21 | 2002-08-21 | Investment mangement account |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1477572A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100423031C (en) * | 2005-04-28 | 2008-10-01 | 杨红光 | A bank card and method for making transaction with bank card and system thereof |
| WO2014029341A1 (en) * | 2012-08-21 | 2014-02-27 | Wang Yijian | Method, apparatus, and storage medium for cross-market financial transactions in single account |
| CN106815765A (en) * | 2016-12-29 | 2017-06-09 | 网易（杭州）网络有限公司 | A kind of asset allocation method and apparatus |
| CN108711043A (en) * | 2018-05-22 | 2018-10-26 | 拉卡拉支付股份有限公司 | A kind of fund keeps accounts method, apparatus, electronic equipment and computer-readable medium |
| WO2019218545A1 (en) * | 2018-05-17 | 2019-11-21 | 平安科技（深圳）有限公司 | Cash resource processing method and system, computer device, and storage medium |
-
2002
- 2002-08-21 CN CNA02142019XA patent/CN1477572A/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100423031C (en) * | 2005-04-28 | 2008-10-01 | 杨红光 | A bank card and method for making transaction with bank card and system thereof |
| WO2014029341A1 (en) * | 2012-08-21 | 2014-02-27 | Wang Yijian | Method, apparatus, and storage medium for cross-market financial transactions in single account |
| CN106815765A (en) * | 2016-12-29 | 2017-06-09 | 网易（杭州）网络有限公司 | A kind of asset allocation method and apparatus |
| CN106815765B (en) * | 2016-12-29 | 2021-03-30 | 网易（杭州）网络有限公司 | Asset allocation method and equipment |
| WO2019218545A1 (en) * | 2018-05-17 | 2019-11-21 | 平安科技（深圳）有限公司 | Cash resource processing method and system, computer device, and storage medium |
| CN108711043A (en) * | 2018-05-22 | 2018-10-26 | 拉卡拉支付股份有限公司 | A kind of fund keeps accounts method, apparatus, electronic equipment and computer-readable medium |
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