TW202008273A - Multi-tier investment financial product transaction processing system and processing method thereof for attracting clients to make referrals - Google Patents

Abstract

The present invention provides a multi-tier investment financial product transaction processing system and a processing method thereof, in which a preferential amount of financial products that a referee can invest is determined by the amount of invested financial products referred by the referror. The method is carried out by using a multi-tier investment approach, in which the higher the amount of the invested financial products referred by the referee, the higher the preferential amount of the invested financial products that the referee can invest, and there is no limitations on the number of people and the money value of the invested financial products referred. When there is no referral, the amount of the referred financial product is insufficient or the preferential amount of the financial product that can be invested exceeds a threshold, the original preferential conditions for the invested financial product are implemented without reducing relevant benefits of the financial product invested by the referee.

Description

Multi-level investment financial commodity transaction processing system and processing method

The invention relates to a financial commodity transaction processing system and its processing method, in particular to a multi-level investment financial commodity transaction processing system and a processing method that provide different preferential interest rate limits to different recommended deposit amounts.

The general investment method is usually that the investor directly opens an account with the relevant financial institution, selects the relevant financial product to be invested, and then deposits the relevant investment amount in the account to complete the investment action; after a period of time, the relevant action The financial institution then informs the investor of the profit and loss of the investment in writing, and deposits the gain in the account opened by the investor.

There are thousands of types of financial commodities. At present, the stock market in Taiwan has more than 1,300 stocks and more than 5,000 funds. With the addition of warrants, options, bonds, and currencies, the number of these financial commodities continues to rise. At present, many investors hope that in addition to their work savings, they can create other investment income to be able to do more leisure or achieve the goal of early retirement, but these many investors may have a small amount of investment on hand, in addition to their own In addition to being unprofessional, professional financial consultants are also less inclined to serve this type of investors. Investors are generally not familiar with these financial commodities, and without the leadership of investment managers, in the face of treacherous and changeable markets, they often fail to Being able to do enough homework often results in higher losses.

Therefore, most investors choose financial products with lower risks but relatively lower profits. The most popular among investors is the deposits of financial institutions. In addition, in response to the financial turmoil, the deposit insurance limit was increased to NT$3 million in Taiwan, and the number of people with a deposit balance of less than RMB3 million accounted for about 99% of the total number of deposits, which can effectively protect small depositors. Rights and interests, so that in case of financial institution problems, they may face the dilemma of not getting the deposit back.

Nowadays, Taiwan society is moving towards the era of low interest rates, and investors must endure the relatively low profits of deposit rates. Therefore, how to provide a better investment profit and relatively lower investment risk for investors has always been the goal of financial industry to strive to complete.

The purpose of the present invention is to provide a multi-level investment financial commodity transaction processing system and its processing method. By recommending the amount of the deposit balance recommended by the recommender, the preferential deposit amount of the recommender is determined, and no recommendation is only based on the deposit rate of the original depositor to achieve investment There is no risk-bearing effect.

The purpose of the present invention is to provide a multi-level investment financial commodity transaction processing system and its processing method, which recommends the deposit balance recommended by the recommender without a limit on the number of people and no amount. The more the recommended amount is accumulated, the higher the recommender's preferential amount. To achieve the effect of investors relaxed and free of stress.

The purpose of the present invention is to provide a multi-level investment financial commodity transaction processing system and a processing method thereof. The higher the recommended deposit amount, the greater the amount that the recommender can enjoy the extra deposit interest rate, and the investor can reach multiple levels according to demand The effectiveness of investing in financial commodities.

In order to achieve the above object, an embodiment of the present invention discloses a multi-level investment financial commodity transaction processing system, including: a counter terminal and a computing terminal device. The counter terminal receives at least one recommended financial commodity asset provided by a client, and converts the recommended financial commodity asset into a recommended asset information. The computing terminal device is connected to the cabinet-side telecommunication and receives at least one piece of recommended asset information. The computing terminal device further includes: a computing module, a data module, a selection module, and a transmission module. The calculation module receives the recommended asset information one by one, and sums all the recommended asset information to calculate a total recommended asset information. The data module is electrically connected to the calculation module. The data module has a plurality of adjacent financial commodity asset intervals, and each of the financial commodity asset intervals corresponds to preferential asset limit information. The selection module separately connects the calculation module and the data module by telecommunications, receives the total recommended asset information to be located in one of a plurality of financial commodity asset intervals, and selects the corresponding preferential asset limit according to the financial commodity asset interval News. The transmission module is telecom-connected to the selection module, receives the preferential asset limit information and transmits it to the counter and the client.

In an embodiment of the present invention, the client terminal further provides a target financial commodity asset, and the closet converts the target financial commodity asset into target asset information. The computing terminal device further includes a comparison module, the comparison module is electrically connected to the selection module, receives the corresponding preferential asset limit information, and compares the target asset information to generate a comparison result. The transfer module is electrically connected to the comparison module, and the transfer module receives the comparison result and transfers a first preferential value asset information or a second preferential value asset information to the counter and the client; the The first preferential value asset is the product of a preferential asset interest rate and the preferential asset limit information, plus the product of the difference between the underlying asset information and the preferential financial commodity asset and a standard asset interest rate; the second preferential value asset information is the The product of the preferential asset interest rate and the underlying financial commodity asset.

In order to achieve the above objective, an embodiment of the present invention discloses a multi-level investment financial commodity transaction processing method, which includes the following steps: sending a start signal to notify a client, a terminal, and a computing terminal device, the terminal Receiving at least one recommended financial commodity asset provided by the client, converting the recommended financial commodity asset into a recommended asset information, the computing terminal device is connected to the close-end telecommunications, the computing terminal device has a plurality of financial commodity asset intervals, and Each financial commodity asset range corresponds to information on preferential asset limits. In a predetermined time, the computing terminal device sums all the recommended asset information to calculate a total recommended asset information. Compare the total recommended asset information to the corresponding financial commodity asset range. The computing terminal device provides preferential asset limit information corresponding to the financial commodity asset interval. The preferential asset limit information is transmitted to the counter and the client.

In one embodiment of the present invention, after the step of receiving at least one recommended financial commodity asset provided by the client, the counter further includes the following steps: providing a plurality of recommended financial commodity assets. The counter terminal compares whether the recommended financial commodity asset is owned by the client. If not, select another recommended financial commodity asset, and repeat the step of comparing the counter to whether the recommended financial commodity asset is owned by the client. If yes, the counter end converts the recommended financial commodity asset into the recommended asset information and transmits it to the computing terminal device.

In an embodiment of the present invention, after the step of comparing the total recommended asset information to the corresponding financial commodity asset interval, it further includes the following steps: The financial commodity asset interval has the following limits and an upper limit Value, and the upper limit is defined as the lower limit of the next financial commodity asset range. Compare whether the total recommended asset information is greater than the lower limit. If yes, move the total recommended asset information to the next financial commodity asset interval, and repeat the step to compare whether the total recommended asset information is greater than the lower limit. If not, the financial commodity asset range is selected.

In an embodiment of the invention, after the step of transmitting the preferential asset limit information to the counter and the client, it further includes the following steps: determining whether the client has a target financial commodity asset. If not, notify the client to log in a target financial commodity asset, and repeat the steps to determine whether the client has a target financial commodity asset. If so, the counter will convert the underlying financial commodity asset into a target asset information. Compare whether the asset information of the target is greater than the information of the preferential asset limit. If yes, provide a first preferential value asset to the client, the first preferential value asset is the product of a preferential asset interest rate and the preferential asset limit information, plus the difference between the underlying asset information and the preferential asset limit information and a The product of standard asset interest rates. If not, provide a second preferential value asset to the client, and the second preferential value asset information is the product of the preferential asset interest rate and the underlying asset information.

In order to make your reviewer have a better understanding and understanding of the features of the present invention and the achieved effects, the preferred embodiments and detailed descriptions are accompanied by the following explanations:

Please refer to FIG. 1A, which is a block diagram of a first preferred embodiment of a multi-level investment financial commodity transaction processing system of the present invention. The multi-level investment financial commodity transaction processing system 1 provided by the present invention includes: a client 11, a counter 12 and a computing terminal device 13. The financial commodities may be stocks, funds, fixed deposits, bonds, insurance policies, deposits, credit cards or derivative financial commodities. In the preferred embodiment of the present invention, the financial commodities are mainly bank deposits. Of course, the financial commodities mentioned above can also be carried out in this mode, which will be described first. The closet terminal 12 can be a closet bank of a general financial institution. In this era of developed networks, the closet terminal 12 can also be an electronic device directly connected to the computing terminal device 13 through the network.

The client 11 can provide at least one recommended financial commodity asset 111. The recommended financial commodity asset 111 can be recommended to relatives and friends through the client 11, and the counter 12 can obtain the recommendation by the client 11. The counter 12 converts the recommended financial commodity asset 111 into a recommended asset information 112. The computing terminal device 13 is telecommunication-connected to the cabinet terminal 12 and receives at least one of the recommended asset information 112. The computing terminal device 13 is usually a server. The preferred implementation of the present invention takes bank deposits as an example, as long as relatives and friends recommended by the client 11 open accounts and deposits, the counter 12 is registered as recommended by the client 11 and input to the computing terminal device 13, That is, all the recommended asset information 112 of the client 11 can be directly recorded and calculated by the computing terminal device 13.

The computing terminal device 13 further includes: a calculation module 131, a data module 132, a selection module 133, and a transmission module 134. The calculation module 131 receives the recommended asset information 112 one by one, and sums all the recommended asset information 112 to calculate a total recommended asset information 113. The data module 132 is telecommunication-connected to the calculation module 131. The data module 132 has a plurality of adjacent financial commodity asset intervals 135, and each of the financial commodity asset intervals 135 corresponds to preferential asset limit information 136. Each financial commodity asset interval 135 is provided with a lower limit value 1351 and an upper limit value 1352. The upper limit value 1352 is the lower limit value 1351 of the next adjacent financial commodity asset interval. The selection module 133 is respectively connected to the calculation module 131 and the data module 132 by telecommunications, receives the total recommended asset information 113 to be located in one of the plurality of financial commodity asset intervals 135, and selects the phase according to the financial commodity asset interval 135 Corresponding information of the preferential asset limit 136. The transmission module 134 is connected to the selection module 133 by telecommunications, and after receiving the preferential asset limit information 136, it can be transmitted to the cabinet terminal 12 and the client terminal 11 by a mail, email, mobile phone message or APP.

The flow chart of the first preferred embodiment of the multi-level investment financial commodity transaction processing method of the present invention will be described below. Please refer to FIGS. 1A and 1B to perform steps S61 to S65. The multi-level investment financial commodity transaction processing method of the present invention includes the following steps:

Step S61: Send a start signal to notify a client 11, a closet 12, and a computing terminal device 13. The counter terminal 12 receives at least one recommended financial commodity asset 111 provided by the client 11, converts the recommended financial commodity asset 111 into a recommended asset information 112, the computing terminal device 13 is telecommunication-connected to the counter terminal 12, the computing The terminal device 13 has a plurality of financial commodity asset intervals 135, and each financial commodity asset interval 135 corresponds to a preferential asset limit information 136.

Step S62: In a predetermined time, statistically calculate a total recommended asset information 113. In the preferred embodiment of the present invention, the predetermined time is roughly calculated as one month, and a total recommended asset information 113 is calculated by the computing terminal device 13 summing all the recommended asset information 112 belonging to the client 11.

Step S63: Select a financial commodity asset interval 135. In the preferred embodiment of the present invention, by comparing the total recommended asset information 113 to the corresponding financial commodity asset interval 135, the financial commodity asset interval 135 is selected.

Step S64: Determine a preferential asset limit information 136. In the preferred embodiment of the present invention, the preferential asset limit information 136 corresponding to the financial commodity asset interval 135 provided by the computing terminal device 13 determines the preferential asset limit information 136.

Step S65: Transfer the preferential asset limit information 136 to the counter terminal 12 and the client 11. In the preferred embodiment of the present invention, it is transmitted to the client 11 by a method such as mailing, e-mail, mobile phone text message, or APP. The communication method established by the client 11 at the outset prevails, and most of them are electronic E-mail notification of the closet 12. The preferred implementation of the present invention takes bank deposits as an example, so that the client 11 knows that it has a preferential deposit amount.

Please refer to FIG. 2A, which is a block diagram of a second preferred embodiment of the multi-level investment financial commodity transaction processing system of the present invention. In this preferred embodiment, the block elements are substantially the same as the previous embodiment, and no more details will be given here, only the differences will be described, which will be described first. In the preferred implementation of the present invention, taking bank deposits as an example, the client 11 further provides a target financial commodity asset 141 (that is, the client 11 has a deposit in an account with the financial institution). The target financial commodity asset 141 is converted into a target asset information 142.

In the preferred embodiment, the computing terminal device 13 further includes a comparison module 137, which is electrically connected to the selection module 133, and receives corresponding preferential asset limit information 136 and the target The asset information 142 comparison results in a comparison result 143. The transfer module 134 is telecommunication-connected with the comparison module 137. The transfer module 134 receives the comparison result 143 and transfers a first preferential value asset information 144 or a second preferential value asset information 145 to the cabinet 12 and the client 11. In the preferred implementation of the present invention, taking bank deposits as an example, the first preferential value asset 144 is a product of a preferential asset interest rate (announced deposit interest rate multiplied by greater than 1) and the preferential asset limit information 136, plus the underlying asset information 142 The product of the difference with the preferential asset limit information 136 and a standard asset interest rate (the published deposit rate prevails). The second preferential value asset information 145 is the product of the preferential asset interest rate and the underlying asset information 142.

The flow chart of the second preferred embodiment of the multi-level investment financial commodity transaction processing method of the present invention will be described below. Please refer to FIG. 2A, FIG. 2B and FIG. 1B. Steps S61 to S65 are the same as the former embodiment. Repeat in more detail. The following is only a detailed description of steps S66 to S71 executed after step S65. The multi-level investment financial commodity transaction processing method of the present invention includes the following steps:

Step S61: Send a start signal to notify a client 11, a closet 12, and a computing terminal device 13. Step S62: In a predetermined time, statistically calculate a total recommended asset information 113. Step S63: Select a financial commodity asset interval 135. Step S64: Determine a preferential asset limit information 136. Step S65: Transfer the preferential asset limit information 136 to the counter terminal 12 and the client 11.

Step S66: Determine whether the client 11 has a target financial commodity asset 141. In the preferred implementation of the present invention, taking bank deposits as an example, whether the client 11 has a deposit in its own account in the financial institution.

Step S67: If not, log in to a target financial commodity asset 141 and repeat step S66. The preferred implementation of the present invention uses bank deposits as an example to remind the client 11 to establish a deposit of its own account in the financial institution within a certain period of time (usually within 1 to 5 days), of course the closer it can be deposited Preferential asset limit information 136 is preferred. The computing terminal device 13 will again confirm whether it is a deposit of the client 11's own account established in the financial institution.

Step S68: If yes, convert to a target asset information 142. In the preferred implementation of the present invention, taking bank deposit as an example, the counter terminal 12 converts the target financial commodity asset 141 deposited by the client 11 into a target asset information 142.

Step S69: Compare whether the target asset information 142 is greater than the preferential asset limit information 141. The preferred implementation of the present invention takes bank deposits as an example, comparing whether the deposit amount of the account is greater than the preferential deposit limit.

Step S70: If yes, provide a first preferential value asset 144 to the client 11. The first preferential value asset 144 is the product of a preferential asset interest rate and the preferential asset limit information 141, plus the product of the difference between the underlying asset information 142 and the preferential asset limit information 141 and a standard asset interest rate. The preferred implementation of the present invention takes bank deposits as an example. When the deposit amount of the account is greater than the preferential deposit limit, the part that exceeds the preferential deposit limit is calculated at the deposit rate announced by the financial institution, and within the preferential deposit limit, it is superior to the financial The institution announces the calculation of the deposit interest rate.

Step S71: If not, provide a second preferential value asset 145 to the client 11. The second preferential value asset information 145 is the product of the preferential asset interest rate and the underlying asset information 142. The preferred implementation of the present invention takes bank deposits as an example. Since the deposit amount of the account is not greater than the preferential deposit limit, that is, the deposit amount of the account is within the preferential deposit limit, the deposit amount of the account is all superior to the financial institution's announced deposit interest rate. Calculation.

Please refer to FIG. 3, which is a schematic flowchart of a preferred embodiment of a method for comparing recommended financial commodity assets according to the present invention. Please refer to the above embodiments in conjunction with FIG. 1A to FIG. 2B. After step S61 is executed, steps S611 to S614 are further executed. The method for comparing recommended financial commodity assets of the present invention further includes the following steps:

Step S611: Provide a plurality of recommended financial commodity assets 111. In the preferred implementation of the present invention, the recommended financial commodity asset 111 is a bank deposit as an example.

Step S612: Compare whether the recommended financial commodity asset 111 is owned by the client 11. The preferred implementation of the present invention takes bank deposits as an example. As long as relatives and friends recommended by the client 11 open accounts and deposits, the counter 12 enters and registers as recommended by the client 11, which is deemed to be owned by the client 11.

Step S613: if not, select another recommended financial commodity asset 111, and repeat step S612. The preferred implementation of the present invention takes bank deposits as an example, and is not recommended for registration by the client terminal 11 as input by the counter terminal 12.

Step S614: If yes, convert to the recommended asset information 112. The counter 12 converts the recommended financial commodity asset 111 into the recommended asset information 112 and transmits it to the computing terminal device 13. The preferred implementation of the present invention takes bank deposits as an example, inputting and registering as recommended by the client terminal 11 through the counter terminal 12, and inputting into the computing terminal device 13 can directly record and calculate the customer by the computing terminal device 13 Terminal 11 has all the recommended asset information 112.

Please refer to FIG. 4, which is a schematic flowchart of a preferred embodiment of the present invention comparing the total recommended asset information to the corresponding financial commodity asset interval. Please refer to the above embodiments in conjunction with FIGS. 1A to 2B. After performing step S63, steps S631 to S634 are further executed. Compared with the method for processing the total recommended asset information in the corresponding financial commodity asset interval, the present invention further includes the following steps :

Step S631: The financial commodity asset interval 135 has a lower limit value 1351 and an upper limit value 1352, and the upper limit value 1352 is defined as the lower limit value 1351 of the next financial commodity asset interval 135. The preferred implementation of the present invention takes bank deposits as an example, and provides different preferential deposit limits for the client 11 among the recommended deposit amounts in different intervals, the lower limit value 1351 is the lowest recommended deposit amount in the interval, and the upper limit value 1352 is the The highest recommended deposit amount in the range.

Step S632: Compare whether the total recommended asset information 113 is greater than the lower limit value 1351. The preferred implementation of the present invention takes bank deposits as an example, and first executes the minimum amount of the financial commodity asset interval 135.

Step S633: If yes, move the total recommended asset information 113 to the next financial commodity asset interval 135, and repeat step S632. The preferred implementation of the present invention takes bank deposits as an example. If the recommended deposit amount is not within the financial asset asset range 135 of the lowest amount, then the financial asset asset range 135 of the higher amount is compared one by one.

Step S634: If not, the financial commodity asset range 135 is selected. The preferred implementation of the present invention takes bank deposits as an example, until the recommended deposit amount is not higher than the upper limit value 1352 of the financial commodity asset range 135, the financial asset asset range 135 is selected where the total recommended asset information 113 is located.

However, the above are only the preferred embodiments of the present invention and are not intended to limit the scope of the implementation of the present invention. Any changes and modifications based on the shape, structure, features and spirit described in the patent application scope of the present invention , Should be included in the scope of the patent application of the present invention.

The present invention is based on those who are novel, progressive and available for industrial use, and should meet the patent application requirements stipulated in the Patent Law of our country. Undoubtedly, an application for an invention patent is filed in accordance with the law. prayer.

1‧‧‧ Multi-level investment financial commodity transaction processing system 11‧‧‧ Client 111‧‧‧Recommended financial commodity asset 112‧‧‧Recommended asset information 113‧‧‧ Total recommended asset information 12‧‧‧Cabinet terminal 13‧ ‧‧Terminal device 131‧‧‧Calculation module 132‧‧‧Data module 133‧‧‧Selection module 134‧‧‧Transmission module 135‧‧‧Financial commodity asset range 1351‧‧‧Lower limit value 1352‧ ‧‧ Upper limit value 136‧‧‧ Preferential asset limit information 137‧‧‧ Comparison module 141‧‧‧ Target financial commodity asset 142‧‧‧ Target asset information 143‧‧‧ Comparison result 144‧‧‧ First discount Value asset information 145‧‧‧ Second preferential value asset information Step S61‧‧‧ Send a start signal to notify a client, a counter and a computing terminal device Step S62‧‧‧Statistically calculated in a predetermined time A total recommended asset information step S63 ‧‧‧ select a financial commodity asset interval step S64 ‧‧‧ determine a preferential asset limit information step S65 ‧‧‧ pass the preferential asset limit information to the counter and the client step S66‧‧‧ Determine whether the client has a target financial commodity asset Step S67‧‧‧Log in a target financial commodity asset Step S68‧‧‧Convert to a target asset information step S69‧‧‧Compare whether the target asset information is greater than the Step S70 of providing preferential asset limit information to provide a first preferential value asset to the client step S71 to provide a second preferential value asset to the client step S611 to provide a plurality of recommended financial commodity assets step S612 ‧‧‧ Compare whether the recommended financial commodity asset is the client All steps S613‧‧‧Select another recommended financial commodity asset Step S614‧‧‧Convert to the recommended asset information step S631‧‧‧The financial commodity asset The interval has a lower limit value and an upper limit value Step S632 ‧‧‧ compares whether the total recommended asset information is greater than the lower limit value step S633 ‧‧‧ moves the total recommended asset information to the next financial commodity asset interval step S634 ‧‧‧Select the financial commodity asset range

FIG. 1A is a block diagram of a first preferred embodiment of a multi-level investment financial commodity transaction processing system of the present invention. FIG. 1B is a schematic flowchart of a first preferred embodiment of a multi-level investment financial commodity transaction processing method of the present invention. 2A is a block schematic diagram of a second preferred embodiment of a multi-level investment financial commodity transaction processing system of the present invention. 2B is a schematic flowchart of a second preferred embodiment of a multi-level investment financial commodity transaction processing method of the present invention. FIG. 3 is a schematic flowchart of a preferred embodiment of a method for comparing recommended financial commodity assets according to the present invention. FIG. 4 is a schematic flowchart of a preferred embodiment of a method for processing financial asset assets corresponding to the total recommended asset information in the present invention.

1‧‧‧ Multi-level investment financial commodity transaction processing system

11‧‧‧Client

111‧‧‧ recommended financial commodity assets

112‧‧‧ recommended asset information

113‧‧‧ Total recommended asset information

12‧‧‧Closet

13‧‧‧Computer terminal device

131‧‧‧computing module

132‧‧‧Data module

133‧‧‧Select module

134‧‧‧transfer module

135‧‧‧ Financial Commodity Asset Range

1351‧‧‧lower limit

1352‧‧‧Upper limit

136‧‧‧Preferential asset limit information

137‧‧‧ Comparison module

141‧‧‧ Underlying financial commodity assets

142‧‧‧ Underlying asset information

143‧‧‧ Comparison result

144‧‧‧ First Preferential Value Asset Information

145‧‧‧ Second Preferential Value Asset Information

Claims (10)

A multi-level investment financial commodity transaction processing system, including: a counter, receiving at least one recommended financial commodity asset provided by a client, converting the recommended financial commodity asset into a recommended asset information; and a computing terminal device, and The close-end telecommunications connection receives at least one of the recommended asset information. The computing terminal device further includes: a computing module, which receives the recommended asset information one by one, and sums all the recommended asset information to calculate a total recommended asset Information; a data module connected to the computing module by telecommunications, the data module has a plurality of adjacent financial commodity asset intervals, and each of the financial commodity asset intervals corresponds to a preferential asset limit information; a selection module, respectively Telecommunications connects the calculation module and the data module, receives the total recommended asset information to be located in one of the multiple financial commodity asset intervals, and selects the corresponding preferential asset limit information according to the financial commodity asset interval; Group, telecommunications connect the selection module, receive the preferential asset limit information and pass it to the counter and the client. The multi-level investment financial commodity transaction processing system as described in item 1 of the patent application scope, wherein the client terminal further provides a target financial commodity asset, and the closet converts the target financial commodity asset into a target asset information. The multi-level investment financial commodity transaction processing system as described in item 2 of the patent application scope, wherein the computing terminal device further includes a comparison module, and the comparison module is electrically connected to the selection module to receive the corresponding The comparison of the preferential asset limit information with the target asset information produces a comparison result. The multi-level investment financial commodity transaction processing system as described in item 3 of the patent application scope, wherein the transfer module is telecom-connected with the comparison module, the transfer module receives the comparison result and transfers a first preferential value Asset information or a second preferential value asset information to the counter and the client; the first preferential value asset is the product of a preferential asset interest rate and the preferential asset limit information, plus the underlying asset information and the preferential asset The product of the difference between the limit information and a standard asset interest rate; the second preferential value asset information is the product of the preferential asset interest rate and the underlying financial commodity asset. The multi-level investment financial commodity transaction processing system as described in item 1 of the patent application scope, wherein each financial commodity asset interval is provided with a lower limit and an upper limit, and the upper limit is the next adjacent financial The lower limit of the commodity asset range. A multi-level investment financial commodity transaction processing method, including the following steps: (a) sending a start signal to notify a client, a closet, and a computing terminal device, the closet receives at least one recommended finance provided by the client Commodity assets, convert the recommended financial commodity assets into a recommended asset information, the computing terminal device is connected to the close-end telecommunications, the computing terminal device has a plurality of financial commodity asset intervals, and each financial commodity asset interval corresponds to a preferential asset Limit information; (b) In a predetermined time, the computing terminal device sums all the recommended asset information to calculate a total recommended asset information; (c) Compares the total recommended asset information to the corresponding financial commodity asset range; (d) The computing terminal device provides preferential asset limit information corresponding to the financial commodity asset range; (e) The preferential asset limit information is passed to the counter and the client. The multi-level investment financial commodity transaction processing method as described in item 6 of the patent application scope, wherein after step (a), the following steps are further included: (a1) providing a plurality of recommended financial commodity assets; (a2) the terminal ratio Whether the recommended financial commodity asset is owned by the client; (a3) If no, select another recommended financial commodity asset and repeat step (a2); (a4) If yes, the counter will use the recommended financial commodity The assets converted into the recommended asset information are passed to the computing terminal device. The multi-level investment financial commodity transaction processing method as described in item 6 of the patent application scope, wherein after step (c), the following steps are further included: (c1) The financial commodity asset interval has a lower limit and an upper limit, and Define the upper limit value as the lower limit value of the next financial commodity asset range; (c2) Compare with the total recommended asset information whether it is greater than the lower limit value; (c3) If yes, move the total recommended asset information To the next financial commodity asset interval, repeat step (c2); (c4) If not, select the financial commodity asset interval. The multi-level investment financial commodity transaction processing method as described in item 6 of the patent application scope, wherein after step (e), the following steps are further included: (e1) determine whether the client has a target financial commodity asset; (e2) if If not, notify the client to log in a target financial commodity asset, and repeat step (e1); (e3) If yes, the counter will convert the target financial commodity asset into a target asset information. The multi-level investment financial commodities transaction processing method as described in item 9 of the patent application scope, wherein after this step (e3), the following steps are further included: (f) Compare whether the asset information of the target is greater than the preferential asset limit information; (g ) If yes, provide a first preferential value asset to the client, the first preferential value asset is the product of a preferential asset interest rate and the preferential asset limit information, plus the difference between the underlying asset information and the preferential asset limit information and The product of a standard asset interest rate; (h) If not, provide a second preferential value asset to the client, and the second preferential value asset information is the product of the preferential asset interest rate and the underlying asset information.

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