TW202014967A - Group mutual-preferential financial product processing system and processing method thereof for investing a financial product with a value which is a fixed amount with different interest rates, or a fixed rate with different investment amounts - Google Patents

Abstract

The present invention provides a group mutual-preferential financial product processing system and a processing method thereof, with which a recommender recommends a group including related persons, and the total amount of financial products invested by all persons in the group is used by at least one person in the group designated by the recommender to invest in a preferential financial product. The preferential financial product is designed in a multi-level investment manner. When the financial products invested by the group are getting higher, the value of the preferential financial product that can be invested becomes higher. The value of the aforementioned preferential financial product may be a fixed amount of money in combination with different preferential interest rates, or a fixed preferential rate in combination with different investment amounts. There are no restrictions on the number of persons and the amount of money in the group. When the total investment of the financial products have not reached the minimum investment threshold, only the preferential regulations according to the original investment financial products are executed, so as not to decrease the rights and interests related to the financial products invested by all persons in the group.

Description

Group reciprocal preferential financial commodity processing system and processing method

The invention relates to a financial commodity transaction processing system and a processing method thereof, in particular to a group reciprocal preferential financial commodity processing that provides a fixed amount with different preferential interest rates, or a fixed preferential interest rate with different investment amounts to a group System and its processing method.

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. Among them, the most favored by investors is the financial commodities of financial institutions (such as deposits). Nowadays, Taiwan society is moving towards the era of low interest rates, and investors must endure the relatively low profits of financial commodity interest 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 group reciprocal preferential financial commodity processing system and processing method thereof. By determining the amount of preferential financial commodities by the amount of total investment in financial commodities by all the people in the group, and the minimum investment threshold is not reached, only It is implemented according to the original preferential regulations for investment in financial commodities, so as to achieve the effect of no risk burden for investors.

The purpose of the present invention is to provide a group reciprocal preferential financial commodity processing system and processing method thereof, in which there are no restrictions on the number of people and no amount in the group. The higher the value, the easier it is for investors to have no stress burden.

The purpose of the present invention is to provide a group reciprocal preferential financial commodity processing system and processing method thereof. By the value of preferential financial commodities can be a fixed amount with different preferential interest rates, or a fixed preferential interest rate with different investment amounts to make investment They can achieve the effect of multi-level investment in financial commodities according to their needs.

In order to achieve the above purpose, one embodiment of the present invention discloses a group reciprocal preferential financial commodity processing system, including: a group end, a counter end, and an arithmetic device. The group side also includes: a main sponsor, at least one recommended person, and a preferential financial product amount. The main sponsor has a first financial commodity amount, the recommended person has a second financial commodity amount, and the preferential financial commodity amount is provided by the main sponsor or the recommended person. The counter can receive the first financial commodity amount converted into a first financial commodity information, can receive the second financial commodity amount converted into a second financial commodity information, and can receive the preferential financial commodity amount converted into a preferential financial commodity information .

The computing device is connected to the cabinet-side telecommunications. The computing device further includes: a computing module, a data comparison module, a transmission module, and an execution module. The calculation module respectively receives the first financial commodity information and the second financial commodity information, and sums all the first financial commodity information and the second financial commodity information to calculate a total financial commodity information. The data comparison module is telecom-connected with the calculation module, the data comparison module has a plurality of preferential plan information; when the data comparison module receives the total financial commodity information, the plurality of preferential plan information are compared One of the corresponding to the total financial commodity information. The transmission module is electrically connected to the data comparison module, and the transmission module receives the corresponding preferential plan information and transmits it to the group end. The execution module is electrically connected to the data comparison module, and the execution module receives the preferential financial commodity information, and executes the preferential scheme information corresponding to the preferential financial commodity information.

In an embodiment of the present invention, wherein the preferential financial commodity amount is provided by at least one of the group clients via the main recommender recommendation, it may be part of the first financial commodity amount or part of the second The amount of financial commodities, or the main sponsor additional, or the recommended additional. Each of the preferential scheme information has a preferential financial commodity quota interval, the preferential financial commodity quota interval has a lower limit and an upper limit, and the upper limit value is the lower limit of the next adjacent preferential financial commodity quota interval value. The preferential financial product quota interval corresponds to a preferential financial commodity amount quota, and the plurality of preferential scheme information corresponds to the same preferential financial commodity interest rate, or the preferential financial commodity quota interval corresponds to a preferential financial commodity interest rate, and a plurality of preferential schemes The information corresponds to the same amount of preferential financial products.

In order to achieve the above purpose, an embodiment of the present invention discloses a group reciprocal preferential financial commodity processing method, which includes the following steps: providing a group terminal, a counter terminal, and a computing device, the group terminal further includes a The main recommender and at least one recommended person, the computing device has a plurality of preferential scheme information. Send a start signal to notify the group end. In a predetermined time, the main sponsor provides a first financial commodity amount, and the recommended person provides a second financial commodity amount, and the counter receives the first financial commodity amount and the second financial commodity respectively The amount is converted into a first financial commodity information and a second financial commodity information. The computing device sums all the first financial commodity information and the second financial commodity information to calculate a total financial commodity information. Compare one of the multiple preferential plan information corresponding to the total financial commodity information. Pass the corresponding preferential plan information to the group. The group end provides a preferential financial commodity amount, and the counter closes the preferential financial commodity amount into a preferential financial commodity information. The preferential financial product information is executed according to the corresponding preferential program information.

In an embodiment of the present invention, after comparing one of the steps in the plurality of preferential plan information corresponding to the total financial commodity information, it further includes the following steps: the preferential plan information has a preferential financial commodity amount In the interval, the preferential financial product quota interval is provided with a lower limit and an upper limit, and the upper limit is defined as the lower limit of the next adjacent preferential financial commodity quota interval. Compare whether the total financial product information is greater than the upper limit. If so, move the total financial product information to the next preferential financial product quota range, and repeat the comparison to see if the total financial product information is greater than the upper limit. If not, the preferential financial product quota range is selected.

In an embodiment of the present invention, after the step of selecting the preferential financial product quota interval, it further includes the following steps: the preferential financial commodity quota interval corresponds to a preferential financial commodity credit quota, and the plurality of preferential scheme information correspond to The same one preferential financial commodity interest rate. Compare whether the information on the preferential financial products is greater than the amount of the preferential financial products. If yes, provide the product of the preferential financial commodity interest rate and the preferential financial commodity amount to the group end. If not, provide the product of the preferential financial commodity interest rate and the preferential financial commodity information to the group end.

In an embodiment of the present invention, after the step of selecting the preferential financial product quota interval, it further includes the following steps: the preferential financial commodity quota interval corresponds to a preferential financial commodity interest rate, and the plurality of preferential scheme information correspond to the same The amount of a preferential financial commodity. Compare whether the information on the preferential financial products is greater than the amount of the preferential financial products. If yes, provide the product of the preferential financial commodity interest rate and the preferential financial commodity amount to the group end. If not, provide the product of the preferential financial commodity interest rate and the preferential financial commodity information to the group end.

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:

The financial commodities referred to in all embodiments of the present invention below may be stocks, funds, fixed deposits, bonds, insurance policies, financial commodities, credit cards, or derivative financial commodities. Due to the wide variety of financial products, in order to facilitate the description, in the following embodiments, the financial products are mainly described by bank deposits. Of course, the other financial products mentioned above can also be carried out in this mode, which will be described first.

Please refer to FIG. 1, which is a block diagram of a first preferred embodiment of a group reciprocal preferential financial commodity processing system of the present invention. The group reciprocal preferential financial commodity processing system 1 of the present invention includes a group terminal 11, a counter terminal 12, and an arithmetic device 13. The group terminal 11 further includes: a main recommender 111, at least one recommended person 112, and a preferential financial commodity amount 113. The main sponsor 111 has a first financial commodity amount 114, the recommended person 112 has a second financial commodity amount 115, and the preferential financial commodity amount 113 is provided by at least one of the group terminal 11, which may be Part of the first financial commodity amount 114, or part of the second financial commodity amount 115, or the main sponsor 111 is additionally provided, or the recommended person 112 is additionally provided. In a preferred embodiment of the present invention, the group terminal 11 is established after inputting registration from the main recommender 111 to the counter 12, and the main recommender 111 recommends to the relatives and friends as the recommended person 112. The amount 114 of the first financial commodity is the amount of the account opened and deposited by the main recommender 111 to the counter 12, and the amount 115 of the second financial commodity is the amount of account opened and performed by the recommended person 112 to the counter 12 Deposit amount. The preferential financial commodities amount 113 is based on the sum of all the first financial commodities amount 114 and the second financial commodities amount 115 reaching a predetermined amount or more, the counter 12 can provide the group terminal 11 with a more general deposit For a preferential deposit scheme with a higher interest rate, the main sponsor 111 recommends to designate one of the members of the group end 11 (the main sponsor 111 or the recommended person 112) to part of the amount of the first financial commodity 114, or Part of this second financial commodity amount is 115, or the additional deposit amount is to execute the preferential deposit plan.

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 device 13 through the network. Since the amount 114 of the first financial product, the amount 115 of the second financial product, and the amount 113 of the preferential financial product are substantially cash (but not limited thereto), the first financial product amount 114 needs to be received through the counter 12 Converted to a first financial commodity information 124, the second financial commodity amount 115 can be converted into a second financial commodity information 125, and the preferential financial commodity amount 113 can be converted into a preferential financial commodity information 123. The above first financial commodity information 124, the second financial commodity information 125, and the preferential financial commodity information 123 are digital signals, so that the digital signals can be transmitted to the computing device 13 through the network connection. The computing device 13 is usually Is a server.

The computing device 13 is electrically connected to the cabinet terminal 12. The computing device 13 further includes: a computing module 131, a data comparison module 132, a transmission module 133 and an execution module 134. The calculation module 131 receives the first financial commodity information 124 and the second financial commodity information 125 respectively, and sums all the first financial commodity information 124 and the second financial commodity information 125 to calculate a total financial commodity information 126. The data comparison module 132 is telecommunication-connected to the calculation module 131, and the data comparison module 132 has a plurality of preferential plan information 135. When the data comparison module 132 receives the total financial commodity information 126, it compares one of the plurality of preferential plan information 135 corresponding to the total financial commodity information 126. Each of the preferential scheme information 135 has a preferential financial product quota range 1350. The preferential financial product quota range 1350 is provided with a lower limit value 1351 and an upper limit value 1352. The upper limit value 1352 is the next adjacent preferential financial product The lower limit value 1351 of the quota section 1350. The preferential financial product quota range 1350 corresponds to a preferential financial commodity amount quota 1353, and the plurality of preferential scheme information 135 corresponds to the same preferential financial commodity interest rate 1354.

The transmission module 133 is electrically connected to the data comparison module 132, and the transmission module 133 receives the corresponding preferential plan information 135 and transmits the information to the group terminal 11. After the delivery module 133 receives the preferential plan information 135, it can be delivered to the group terminal 11 by a post, e-mail, mobile phone message or APP, etc., and recommended by the main sponsor 111 or the main sponsor 111 The recommended person 112 provides the preferential financial commodity amount 113. The counter 12 receives the preferential financial product amount 113 and converts it into a preferential financial product information 123. The execution module 134 is electrically connected to the data comparison module 132. The execution module 134 receives the preferential financial product information 123 and executes the preferential financial product information 123 corresponding to the preferential plan information 135.

The group reciprocal preferential financial product processing system 1 of the present invention uses bank deposits as an example as follows. The main recommender 111 to the counter 12 enters and registers to establish the group terminal 11, and the main recommender 111 recommends it to family and friends Referee 112. The deposit amount of the main sponsor 111 to the terminal 12 is NT$500,000, and the deposit amount of the first recommended person 112 to the terminal 12 is NT$600,000 The second deposit of the recommended person 112 to the counter 12 is NT$ 400,000, so the total financial product information 126 of the group end 11 is NT$ 1.5 million. In the multiple preferential plan information 135, in the order of NTD 0 and NTD 500,000, the group 11 can only enjoy the general current deposit interest rate (0.6%); NTD 500,000 and NT In the range of 1 million yuan, the group 11 can enjoy a preferential current deposit interest rate (3%) of the preferential financial commodity amount of 1353 NTD 25,000; between the NTD 1 million and NTD 3 million ranges At this time, the group terminal 11 can enjoy a preferential current deposit interest rate (3%) of the preferential financial commodity amount of 1353 NTD 50,000 yuan; in the range of NTD 3 million and NTD 5 million, the group end 11 You can enjoy the preferential current deposit interest rate (3%) of the preferential financial commodity amount amount of 1353 NTD 150,000. Therefore, when the data comparison module 132 compares the total financial product information 126 of the group terminal 11 to NT$ 1.5 million, the group terminal 11 can enjoy a preferential financial commodity amount of 1353 for NT$ 50,000. Current deposit interest rate (3%). The delivery module 133 will notify the group terminal 11 of the preferential current deposit interest rate (3%) of NT$50,000, and the main sponsor 111 can let himself or the sponsor 112 in special circumstances (such as birthday) enjoy For this offer, the recommended sponsor 111 or the recommended person 112 provides the preferential financial product amount 113 to NT$50,000 to the counter 12, and the execution module 133 executes the preferential current period of NT$50,000 Deposit interest rate (3%) to the main sponsor 111 or the recommended 112 provided.

The flow chart of the first preferred embodiment of the group reciprocal preferential financial commodity processing method of the present invention will be described below. Please refer to FIGS. 2A, 2B and FIG. 1, and perform steps S61 to S68 respectively. The method for processing group reciprocal preferential financial products of the present invention includes the following steps:

Step S61: providing a group terminal 11, a cabinet terminal 12, and a computing device 13, the group terminal further includes a main recommender 111 and at least one recommended person 112, the computing device 13 has a plurality of preferential plan information 135.

Step S62: Send a start signal to notify the group terminal 11. The group terminal 11 is notified to start a preferential activity of group reciprocal preferential financial products.

Step S63: In a predetermined time, the main sponsor 111 provides a first financial commodity amount 114, and the recommended person 112 provides a second financial commodity amount 115, and the counter 12 receives the first financial product respectively The commodity amount 114 and the second financial commodity amount 115 are converted into a first financial commodity information 124 and a second financial commodity information 125. In the preferred embodiment of the present invention, the predetermined time is roughly calculated as one month. Within this month, the deposit amount of the main sponsor 111 to the counter 12 is NT$500,000, and the first One deposit of the recommended person 112 to the terminal 12 is NT$ 600,000, and the second deposit of the recommended person 112 to the terminal 12 is NT$ 400,000.

Step S64: The computing device 13 sums all the first financial commodity information 124 and the second financial commodity information 125 to calculate a total financial commodity information 126. The computing device 13 calculates that the total deposit amount of the group terminal 11 during the month is NT$ 1.5 million.

Step S65: Compare one of the plurality of preferential plan information 135 corresponding to the total financial commodity information 126. The plurality of preferential scheme information 135 of the present invention has two implementation forms, one for different preferential financial commodity amounts, corresponding to the same one preferential financial commodity interest rate; one for different preferential financial commodity interest rates, corresponding to the same one preferential financial commodity amount Quota, detailed explanations for this different implementation will be given below, and no more examples will be given here.

Please refer to FIG. 5, which is a schematic flowchart of a preferred embodiment of a method for comparing a plurality of preferential scheme information and total financial commodity information of the present invention. After step S65 is executed, step S651 to step S654 are further executed. The method for comparing a plurality of preferential plan information and total financial product information of the present invention further includes the following steps:

Step S651: The preferential plan information 135 has a preferential financial product quota interval 1350. The preferential financial product quota interval 1350 is provided with a lower limit value 1351 and an upper limit value 1352. The upper limit value 1352 is defined as the lower limit value 1351 that is next to the preferential financial commodity limit interval 1350. A number of preferential financial product quota ranges 1350 are sequentially provided with a lower limit value of 1351 for NT$0 and an upper limit of 1352 for NT$500,000. The next neighbor is the lower limit of 1351 for NT$500,000 and an upper limit. Value 1352 NTD 1 million; next adjacent lower limit 1351 is NTD 1 million and upper limit 1352 NTD 3 million; next adjacent lower limit 1351 is NTD 3 million and upper limit Worth NT$ 1352 million...etc.

Step S652: Compare whether the total financial product information 126 is greater than the upper limit value 1352. The total deposit amount of the group terminal 11 is NT$ 1.5 million, which is greater than the first-stage upper limit of NT$ 1352, which is NT$ 500,000.

Step S653: If yes, move the total financial product information 126 to the next preferential financial product quota range 1350, and repeat step S652. Step S654: If not, select the preferential financial product quota range 1350.

In this implementation, when the total deposit amount of the group terminal 11 is NT$ 1.5 million, the deposit amount is NT$ 1.5 million, which is greater than the first-level upper limit value of NT$ 1352, and is moved to the second level. The comparison deposit amount of NT$1.5 million is greater than the second-level upper limit value of NT$1352 million, and then the third-level is moved down to repeat the comparison. Until the deposit amount of NT$1.5 million is less than the upper limit of NT$1,352 million, the preferential financial product quota range of 1350 is selected as the third level.

Referring back to FIG. 2B, step S655 is executed: the preferential financial commodity amount range 1350 corresponds to a preferential financial commodity amount amount 1353, and the plurality of preferential scheme information 135 corresponds to the same preferential financial commodity interest rate 1354. The amount of preferential financial products is 1353, which is NT$0 for the first order, NT$25,000 for the second order, NT$50,000 for the third order, NT$150,000 for the fourth order, etc. The commodity interest rate 1354 is fixed at 3%.

Step S66: Transmit the corresponding preferential plan information 135 to the group terminal 11. Communicate that the group terminal 11 has a preferential current deposit interest rate (3%) of NT$50,000.

Step S67: The group terminal 11 provides a preferential financial product amount 113, and the counter 12 converts the preferential financial product amount 113 into a preferential financial product information 123. After the predetermined time, next month, the main sponsor 111 can allow at least one of himself or the sponsor 112 in special circumstances (such as birthday) to enjoy the discount. The discounted financial product amount 113 can be part of the first The total amount of one financial commodity 114 or part of the second financial commodity 115 totals NT$50,000. Of course, at least one of the main recommender 111 or the recommended person 112 may additionally provide NT$50,000 to the counter 12.

Step S68: execute the preferential financial product information 123 according to the corresponding preferential plan information 135. Execute NT$50,000 to implement the preferential current deposit interest rate (3%) to the main sponsor 111 or the recommended person 112 provided.

Step S681: Compare whether the preferential financial product information 123 is greater than the preferential financial product amount limit 1353. When at least one of the main sponsor 111 or the recommended person 112 is additionally provided to the group terminal 11, less than NT$50,000 or more than NT$50,000 will be deposited into the counter 12. If the amount 113 of the preferential financial product is part of the amount 114 of the first financial product or part 115 of the amount of the second financial product 115, the total amount is NT$50,000, usually the information 123 of the preferential financial product and the amount of the amount of the preferential financial product 1353 is equal, you should not need to perform the following steps.

Step S682: If yes, provide the product of the preferential financial commodity interest rate 1354 and the preferential financial commodity amount limit 1353 to the group terminal 11. When the deposit amount of the group terminal 11 is greater than NT$50,000, only the preferential current deposit interest rate (3%) will be executed at NT$50,000 to the main sponsor 111 or the recommended person 112 provided.

Step S683: If not, provide the product of the preferential financial product interest rate 1354 and the preferential financial product information 123 to the group terminal 11. When the deposit amount of the group terminal 11 is less than NT$50,000, only the preferential financial product information 123 (deposited amount) is used to execute the preferential current deposit interest rate (3%) to the main sponsor 111 or the provided Referee 112.

Please refer to FIG. 3, which is a block diagram of a second preferred embodiment of a group reciprocal preferential financial commodity 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. Each of the preferential scheme information 135a has a preferential financial product quota range 1350a. The preferential financial product quota range 1350a is provided with a lower limit value 1351a and an upper limit value 1352a. The upper limit value 1352a is the next adjacent preferential financial product The lower limit value 1351a of the quota section 1350a. The preferential financial product quota range 1350a corresponds to a preferential financial commodity interest rate 1353a, and the plurality of preferential scheme information 135a corresponds to the same one preferential financial commodity amount quota 1354a.

The group reciprocal preferential financial commodity processing system 1 of the present invention uses bank deposits as an example as follows. The deposit amount of the main recommender 111 to the counter 12 is NT$500,000, and the first of the recommended persons The deposit amount from 112 to the terminal 12 is NT$ 600,000, and the deposit amount from the second recommended person 112 to the terminal 12 is NT$ 400,000, so the group end 11's total financial commodity information 126 is NT$ 1.5 million. In the multiple preferential plan information 135a, in the order of NT$0 and NT$500,000, the group 11 can only enjoy the general current deposit interest rate (0.6%); NT$500,000 and NT In the range of 1 million yuan, the group 11 can enjoy a preferential financial product interest rate of 1353a (1.2%), a preferential financial product amount of 1354a (NT$50,000); in the range of NT$1 million and NT$3 million At this time, the group 11 can enjoy the preferential financial commodity interest rate of 1353a (1.8%) and the preferential financial commodity amount limit of 1354a (NT$50,000); when the group is between NT$3 million and NT$5 million, the group Group 11 can enjoy a preferential financial commodity rate of 1353a (2.4%) for preferential financial commodity interest rate of 1353a (2.4%). Therefore, when the data comparison module 132a compares the total financial product information 126 of the group terminal 11 to NT$ 1.5 million, the group terminal 11 can enjoy the preferential financial commodity amount of the preferential financial commodity interest rate of 1353a (1.8%) The amount is 1354a (NT$50,000). The delivery module 133a will inform the group terminal 11 of the preferential current deposit interest rate (1.8%) of NT$50,000, and the main sponsor 111 can let himself or the recommended person 112 in special circumstances (such as birthday) enjoy For this offer, the recommended sponsor 111 or the recommended person 112 provides the preferential financial product amount 113 for NT$50,000 to the counter 12, and the execution module 134a will execute the preferential current for NT$50,000 Deposit interest rate (1.8%) to the main sponsor 111 or the recommended 112 provided.

The flow chart of the second preferred embodiment of the group reciprocal preferential financial commodity processing method of the present invention will be described below. Please refer to FIG. 4A, FIG. 4B and FIG. 3, the steps S61 to S65 are the same as the former embodiment. A little explanation will not go into details. The method for processing group reciprocal preferential financial products of the present invention includes the following steps:

Step S61: providing a group terminal 11, a cabinet terminal 12, and a computing device 13, the group terminal further includes a main recommender 111 and at least one recommended person 112, the computing device 13 has a plurality of preferential plan information 135a. Step S62: Send a start signal to notify the group terminal 11. Step S63: In a predetermined time, the main sponsor 111 provides a first financial commodity amount 114, and the recommended person 112 provides a second financial commodity amount 115, and the counter 12 receives the first financial product respectively The commodity amount 114 and the second financial commodity amount 115 are converted into a first financial commodity information 124 and a second financial commodity information 125. Step S64: The computing device 13 sums all the first financial commodity information 124 and the second financial commodity information 125 to calculate a total financial commodity information 126. Step S65: Compare one of the plurality of preferential plan information 135a corresponding to the total financial commodity information 126.

Please refer to FIG. 5, and after performing step S65, step S651 to step S654 are further executed. The method for comparing a plurality of preferential plan information and total financial commodity information of the present invention further includes the following steps:

Step S651: The preferential plan information 135a has a preferential financial product quota interval 1350a. The preferential financial product quota interval 1350a is provided with a lower limit value 1351a and an upper limit value 1352a. Step S652: Compare whether the total financial product information 126 is greater than the upper limit value 1352a. Step S653: If yes, move the total financial product information 126 to the next preferential financial product quota range 1350a, and repeat step S652. Step S654: If not, select the preferential financial product quota range 1350a.

Referring back to FIG. 4B, step S656 is executed: the preferential financial product quota range 1350a corresponds to a preferential financial commodity interest rate 1353a, and the plurality of preferential scheme information 135a correspond to the same one preferential financial commodity amount quota 1354a. The preferential financial commodity interest rate 1353a is the first-order demand deposit interest rate 0.6%, the second-order demand deposit interest rate 1.2%, the third-order demand deposit interest rate 1.8%, the fourth-order demand deposit interest rate 2.4%... etc., and the preferential financial commodity amount The quota 1354a is fixed at NT$50,000.

Step S66: Transmit the corresponding preferential plan information 135a to the group terminal 11. It was notified that the group terminal 11 had a preferential current deposit interest rate (1.8%) of NT$50,000. Step S67: The group terminal 11 provides a preferential financial product amount 113, and the counter 12 converts the preferential financial product amount 113 into a preferential financial product information 123. Step S68: execute the preferential financial product information 123 according to the corresponding preferential plan information 135a. Execute NT$50,000 to implement the preferential current deposit interest rate (1.8%) to the main sponsor 111 or the recommended person 112 provided.

Step S681: Compare whether the preferential financial product information 123 is greater than the preferential financial product amount limit 1354a. When at least one of the main sponsor 111 or the recommended person 112 is additionally provided to the group terminal 11, less than NT$50,000 or more than NT$50,000 will be deposited into the counter 12. If the amount 113 of the preferential financial product is part of the amount 114 of the first financial product or part 115 of the amount of the second financial product 115, the total amount is NT$50,000, usually the information 123 of the preferential financial product and the amount of the amount of the preferential financial product 1353 is equal, you should not need to perform the following steps.

Step S682: If yes, provide the product of the preferential financial commodity interest rate 1353a and the preferential financial commodity amount limit 1354a to the group terminal 11. When the group terminal 11 deposits more than NT$50,000, only the preferential current deposit interest rate (1.8%) is executed at NT$50,000 to the provided main sponsor 111 or the recommended person 112.

Step S683: If not, provide the product of the preferential financial commodity interest rate 1353a and the preferential financial commodity information 123 to the group terminal 11. When the group terminal 11 deposits less than NT$50,000, only the preferential financial product information 123 (deposited amount) is used to execute the preferential current deposit interest rate (1.8%) to the main sponsor 111 provided or the Sponsor 112.

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: Group reciprocal preferential financial commodity processing system 11: Group end 111: main recommender 112: recommended person 113: preferential financial commodity amount 114: first financial commodity amount 115: second financial commodity amount 12: temporary counter Terminal 123: preferential financial commodity information 124: first financial commodity information 125: second financial commodity information 126: total financial commodity information 13: computing device 131: calculation module 132, 132a: data comparison module 133, 133a: transfer Modules 134, 134a: Execution modules 135, 135a: Preferential program information 1350, 1350a: Preferential financial product quota range 1351, 1351a: Lower limit value 1352, 1352a: Upper limit value 1353, 1354a: Preferential financial commodity amount quota 1354, 1353a: Preferential financial product interest rate Step S61: Provide a group end, a counter end and a computing device, the group end further includes a main recommender and at least one recommended person, the computing device has a plurality of preferential plan information Step S62: send a start signal to notify the group end. Step S63: within a predetermined time, the main sponsor provides a first financial commodity amount, and the recommended person provides a second financial commodity amount, and the counter The terminal receives the first financial commodity amount and the second financial commodity amount, respectively, and converts it into a first financial commodity information and a second financial commodity information. Step S64: the computing device sums all the first financial commodity information and the second financial commodity information Commodity information calculates a total financial commodity information Step S65: Compare one of the plurality of preferential plan information corresponding to the total financial commodity information Step S651: The preferential plan information has a preferential financial commodity quota range, the preferential financial The commodity limit section has the following limit value and an upper limit step S652: Compare whether the total financial commodity information is greater than the lower limit step S653: Move the total financial commodity information to the next preferential financial commodity quota section step S654 : Select the preferential financial product quota interval Step S655: The preferential financial commodity quota interval corresponds to a preferential financial commodity amount quota, and the plurality of preferential scheme information corresponds to the same one preferential financial commodity interest rate step S656: The preferential financial commodity quota interval corresponds There is a preferential financial product interest rate, and the multiple preferential plan information corresponds to the same amount of a preferential financial product. Step S66: Pass the corresponding preferential plan information to the group side Step S67: The group side provides a preferential financial product The amount, and the counter converts the preferential financial product amount into a preferential financial product information Step S68: execute the preferential financial product information according to the corresponding preferential program information Step S681: compare whether the preferential financial product information is greater than the discount Financial product amount limit step S682: Provide the product of the preferential financial product interest rate and the preferential financial product amount limit to the group end Step S683: Provide the product of the preferential financial product interest rate and the preferential financial product information to the group Group side

FIG. 1 is a block diagram of a first preferred embodiment of a group reciprocal preferential financial commodity processing system of the present invention. FIG. 2A is a first schematic flowchart of a first preferred embodiment of a group reciprocal preferential financial commodity processing method of the present invention. FIG. 2B is a second schematic flowchart of the first preferred embodiment of the group reciprocal preferential financial commodity processing method of the present invention. FIG. 3 is a block diagram of a second preferred embodiment of a group reciprocal preferential financial commodity processing system of the present invention. FIG. 4A is a first schematic flowchart of a second preferred embodiment of a group reciprocal preferential financial commodity processing method of the present invention. 4B is a second schematic flowchart of a second preferred embodiment of a group reciprocal preferential financial commodity processing method of the present invention. FIG. 5 is a schematic flowchart of a preferred embodiment of a method for correspondingly comparing a plurality of preferential scheme information and total financial commodity information of the present invention.

1: Group reciprocal preferential financial commodity processing system

11: Group side

111: main sponsor

112: Referee

113: Amount of preferential financial products

114: the amount of the first financial commodity

115: The amount of the second financial commodity

12: closet

123: Preferential financial commodity information

124: First Financial Commodity Information

125: Second Financial Commodity Information

126: Total Financial Commodity Information

13: computing device

131: Computing module

132: Data comparison module

133: Transfer module

134: Execution module

135: Discount plan information

1350: Preferential financial product quota range

1351: Lower limit

1352: upper limit

1353: Amount of preferential financial products

1354: preferential financial commodity interest rate

Claims (10)

A group reciprocal preferential financial commodity processing system, including: a group end, further including: a main recommender with a first amount of financial commodities; at least one recommended person, the recommended person has a second Amount of financial commodities; A preferential amount of financial commodities, provided by at least one of the group end; A counter, can receive the amount of the first financial commodities converted into a first financial commodity information, can receive the second financial The commodity amount is converted into a second financial commodity information, and the discount financial commodity amount can be received to be converted into a preferential financial commodity information; a computing device is connected to the close-end telecommunications, the computing device further includes: a computing module, respectively Receiving the first financial commodity information and the second financial commodity information, and summing all the first financial commodity information and the second financial commodity information to calculate a total financial commodity information; a data comparison module, and the calculation module Group telecommunications connection, the data comparison module has a plurality of preferential plan information; when the data comparison module receives the total financial commodity information, compares the plurality of preferential plan information corresponding to the total financial commodity information One: a transmission module, the telecommunication is connected to the data comparison module, the transmission module receives the corresponding preferential plan information and transmits it to the group end; an execution module, the telecommunication is connected to the data comparison module, The execution module receives the preferential financial commodity information and executes the corresponding preferential plan information corresponding to the preferential financial commodity information. The group reciprocal preferential financial commodity processing system as described in item 1 of the scope of patent application, wherein the preferential financial commodity amount is at least one of part of the amount of the first financial commodity and part of the amount of the second financial commodity, or At least one of the main sponsor and the recommended person is additionally provided. The group reciprocal preferential financial commodity processing system as described in item 1 of the patent application scope, wherein each of the preferential scheme information has a preferential financial commodity quota interval, and the preferential financial commodity quota interval is set with the following limits and an upper limit Limit value, the upper limit value is the lower limit value of the next adjacent financial commodity quota interval. The group reciprocal preferential financial commodity processing system as described in item 3 of the scope of patent application, wherein the preferential financial commodity amount range corresponds to a preferential financial commodity amount quota, and the plurality of preferential scheme information corresponds to the same one preferential financial commodity interest rate. The group reciprocal preferential financial commodity processing system as described in item 3 of the scope of the patent application, wherein the preferential financial commodity amount range corresponds to a preferential financial commodity interest rate, and the plurality of preferential scheme information corresponds to the same one preferential financial commodity amount Amount. A group reciprocal preferential financial product processing method includes the following steps: (a) Provide a group end, a counter end and a computing device, the group end further includes a main sponsor and at least one recommended person, The computing device has a plurality of preferential plan information; (b) send a start signal to notify the group end; (c) within a predetermined time, the main sponsor provides a first amount of financial products, and the sponsor provides A second financial commodity amount, and the counter receives the first financial commodity amount and the second financial commodity amount, respectively, and converts it into a first financial commodity information and a second financial commodity information; (d) the sum of the computing device All the first financial commodity information and the second financial commodity information calculate a total financial commodity information; (e) compare one of the plurality of preferential plan information corresponding to the total financial commodity information; (f) pass The corresponding preferential plan information is sent to the group end; (g) The group end provides a preferential financial commodity amount, and the counter closes the preferential financial commodity amount into a preferential financial commodity information; (h) According to the relative Corresponding to the preferential plan information, execute the preferential financial commodity information. The method for processing group reciprocal preferential financial commodities as described in item 6 of the patent application scope, wherein after step (e), the following steps are further included: (e1) The preferential scheme information has a preferential financial commodity quota range, and the discount There is a lower limit value and an upper limit value in the financial product quota interval, and the upper limit value is defined as the lower limit value of the next adjacent preferential financial commodity quota interval; (e2) Compare whether the total financial commodity information Greater than the upper limit value; (e3) If yes, move the total financial commodity information to the next preferential financial commodity quota interval and repeat step (e2); (e4) If no, select the preferential financial commodity quota interval. The group reciprocal preferential financial products processing method as described in item 7 of the patent application scope, wherein after this step (e4), the following steps are further included: (e5) The preferential financial product amount range corresponds to a preferential financial product amount amount, In addition, the multiple preferential plan information corresponds to the same preferential financial product interest rate. The group reciprocal preferential financial commodity processing method as described in item 7 of the patent application scope, wherein after this step (e4), the following steps are further included: (e6) The preferential financial commodity quota range corresponds to a preferential financial commodity interest rate, and The multiple preferential plan information corresponds to the same amount of preferential financial product amount. The method for processing group reciprocal preferential financial products as described in item 8 or 9 of the scope of patent application, wherein after step (h), the following steps are further included: (h1) Is the information on the preferential financial products greater than the preferential financial Commodity Amount; (h2) If yes, provide the product of the preferential financial commodity interest rate and the preferential financial commodity amount to the group end; (h3) If No, provide the product of the preferential financial commodity interest rate and the preferential financial commodity information To the end of the group.

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