TWI544439B - A Value Prediction Service System Of Financial Products And The Method For The Same, And A Computer Program Product Storing A Value Prediction Service Process Program Of Financial Products - Google Patents

Description

Value estimation service system for financial products and its method and computer program products for value estimation service processing program of internal financial products

The present invention relates to the technical field of estimation of the value of financial products, and more particularly, to a value estimation service system and method for a financial product that can tap the potential investment ability of a user and the value of the internal storage financial product. A computer program product that estimates service processing programs.

In recent years, the financial market has become active in the society. Many financial products such as stocks, futures, funds, bonds, foreign exchange, and gold passbooks have various investment projects. They are free to choose according to their personal preferences, in order to enable investors to quickly move in the rapidly changing financial market. In order to grasp the information and make accurate investment judgments, there are many real-time information systems or financial websites that can provide financial products related information, to provide trading information, news, investment research reports, etc. for various financial products, and to provide investors with reference and reference. .

Among the various investment and wealth management software available on the market, the identity of investment experts (ie users with qualifications for publishing investment and financial advice) is relatively fixed. However, it is well known that in the knowledge management system, the number of experts and their activity are directly determined. The effect of knowledge management implementation, for investment and financial management The same is true in the field. Therefore, designing a financial product value estimation service system and method for automatically excavating potential investment and financial experts to improve the service efficiency of investment and financial management is the technical problem to be solved by the present invention.

In view of the above problems of the prior art, the present invention aims to provide a financial product value estimation service system and a method thereof, and a computer program product for a value estimation service processing program of a financial product, which can automatically mine potential Investing in wealth management experts to improve the efficiency of investment and financial services.

Another object of the present invention is to provide a value estimation service system for a financial product and a method thereof, and a computer program product for a value estimation service processing program for a financial product to improve the value of a registered user for the product of the present invention. Estimate the enthusiasm of the service platform.

To achieve the above and other objects, the present invention provides a value estimation service system for financial products, which provides a value estimation service for financial products for users of a client by setting up a product value estimation service platform in a network system. The system includes: a user registration module for providing a user registration interface, and the user for the client submits the user registration information through the user registration interface to become a registered user of the product value estimation service platform, and The user registration information corresponding to the registered user is stored in the user database; the fee processing module is used for providing payment processing service for the product value estimation service platform; the identity management module is used for The registered users stored in the user database are classified and marked, and the identity of the registered users stored in the user database is marked as one of a group of ordinary users, paying users, and excellent users; The module is used to provide a product value estimation interface for the general user/excellent in the user database. Show The user submits its product value estimate for financial products through the product value estimation interface; the information release module is used to provide an information publishing interface to release the excellent user to the paying user in the user database. The product value estimation content submitted by the value estimation module; and the statistical analysis module is used to determine the accuracy of the product value estimation content submitted by the ordinary user/excellent user by the value estimation module. And the accuracy of the historical product value estimation content submitted by the ordinary user/excellent user is ranked and ranked; wherein the identity management module is for submitting the user registration information only by the user registration module. The registered user is marked as a normal user, and the registered user who has submitted the user registration information and paid the membership fee through the fee processing module is marked as a paying user, and the statistical ranking is based on the statistical result of the statistical analysis module. The former ordinary users are upgraded to excellent users, that is, ordinary users with high accuracy rank first, so upgrade to excellent users.

Preferably, the identity management module downgrades the excellent users with lower statistics ranks to ordinary users according to the statistical result of the statistical analysis module.

Preferably, the statistical analysis module determines that the ordinary user/excellent user issues a reward by using the fee processing module if the accuracy of the product value estimated by the value estimating module is high. For the ordinary user/excellent user, the reward may include: providing a service item such as a service fee, a predetermined bonus, a product redemption ticket, and a member point in accordance with a predetermined ratio.

Preferably, the value estimation module replies that the excellent user in the user database submits the product value estimate for the financial product by using the product value estimation interface and describes the reason for the estimation.

Preferably, the information release module collects the product value estimation content submitted by the excellent user by the value estimation module to generate group wisdom evaluation data, and publishes the group wisdom to the paying user in the user database. Group wisdom evaluation data.

Furthermore, the present invention provides a value estimation service method for a financial product, which is applied to a value estimation system for a financial product, and is used for providing a value estimation service for a financial product to a client user, and the method includes The following steps: the value estimation service system of the financial product classifies the registered users stored in the user database, and marks the identity of the registered users stored in the user database as ordinary users, paying users, and excellent users. One of the group groups, wherein the registered user who has submitted only the user registration information is marked as a normal user, and the registered user who has submitted the user registration information and paid the membership fee is marked as a paying user; The value estimation service system of the product provides a product value estimation interface, and the ordinary user/excellent user in the user database submits the product value estimation content of the financial product through the product value estimation interface, and The paid user in the user database publishes the product value estimate submitted by the excellent user. And the value estimation service system of the financial product determines the accuracy of the estimated value of the product submitted by the ordinary user/excellent user, and the accuracy of the estimated content of the historical product submitted by the ordinary user/excellent user is counted. Rank and rank, and upgrade the top ranked average users to excellent users.

Preferably, the method further comprises the following steps: the value estimation service system of the financial product provides a user registration interface, and the user of the client submits the user registration information through the user registration interface to become the value estimation system. Registered user, and store the user registration information corresponding to the registered user in the user database; and provide payment processing service for the registered user in the user database.

Preferably, the method further comprises the following steps: the value estimation service system of the financial product downgrades the excellent user with the lower ranked rank to the ordinary user.

Preferably, the method further comprises the following steps: the value estimation service system of the financial product determines that if the accuracy of the product value estimated by the ordinary user/excellent user is high, the reward can be issued to the ordinary user. / Excellent user, and the reward may include: providing service items such as service fees, reservation bonuses, commodity redemption coupons, and member points in accordance with a predetermined ratio.

Preferably, the method further comprises the following steps: the value estimation service system of the financial product collects the product value estimation content submitted by the excellent user to generate the group wisdom evaluation data, and the paid user in the user database Publish the group wisdom evaluation data.

Furthermore, the present invention provides a computer program product for storing a value estimation service processing program for a financial product. When the program is loaded and executed, the method for estimating the value of the financial product of the present invention is completed. The steps described.

Compared with the prior art, the present invention embodies the product value estimation service platform, and marks the registered users' identity classifications as ordinary users, paying users and excellent users, and provides the ordinary users/excellent users with the product value estimation service. The platform submits its product value estimation content for financial products, wherein the estimated value of the product value submitted by the excellent user is available for browsing by the paying user, and the present invention will determine the ordinary user/excellent user. The accuracy of the submitted product value estimation content, the accuracy of the historical product value estimation content submitted by the ordinary user/excellent user is counted and ranked, so as to upgrade the top ranked ordinary users to excellent users. In order to exploit the potential excellent users from the ordinary users, and to fully utilize the investment and financial management capabilities of the registered users, the enthusiasm and reference reliability of the registered users for the product value estimation service platform of the present invention can also be improved.

10‧‧‧ Value Estimation Service System for Financial Products

100‧‧‧ Product Value Estimation Service Platform

101‧‧‧User Database

110‧‧‧User Registration Module

120‧‧‧ Expense Processing Module

130‧‧‧ Identity Management Module

140‧‧‧Value Estimation Module

150‧‧‧Information Release Module

160‧‧‧Statistical Analysis Module

200‧‧‧Client

S301~S311‧‧‧Steps

1 is a diagram showing the basic system architecture of a value estimation service system for a financial product of the present invention.

FIG. 2 is a schematic diagram for explaining the interaction relationship between three user identities of ordinary users, excellent users, and paying users generated by the value estimation service system using the financial products of the present invention.

FIG. 3 is a flow chart for explaining the operation of the value estimation service method of the financial product of the present invention.

The other aspects of the present invention will be readily understood by those skilled in the art from this disclosure. The invention may also be embodied or applied by other different embodiments. The details of the present invention can be variously modified and changed without departing from the spirit and scope of the invention.

Please refer to FIG. 1 , which is a basic system architecture diagram of a value estimation service system for a financial product of the present invention. As shown in the figure, the value estimation service system 10 of the financial product of the present invention is used for a network system. (not shown) erecting a product value estimation service platform 100, which provides a value estimation service for financial products for users located at the client 200. In this embodiment, the financial products may be, for example, securities and funds. , gold, foreign exchange, futures, bonds and other products. As shown in FIG. 1 , the value estimation service system 10 of the financial product of the present invention at least includes: a user registration module 110, a fee processing module 120, an identity management module 130, a value estimation module 140, and an information release module. 150, and a statistical analysis module 160.

The user registration module 110 is configured to provide a user registration interface (not shown), and the user located at the client 200 submits the corresponding user registration information through the user registration interface to become the product value estimate. The registered user of the service platform 100, and the user registration module 110 stores the user registration information submitted by the registered user in the user database 101, and the submitted user registration information data is related to other daily network services. (such as email mailbox registration) is similar, its content can include: user name, login password, contact information and email information. In this embodiment, the client 200 may include: various types of electronic device terminals having a network communication function, such as a personal computer, a smart phone, a tablet computer, and a TV set box.

The fee processing module 120 is configured to provide a fund processing service for the product value estimation service platform 100, that is, the registration user of the user database 101 provides relevant payment processing services, such as payment of contributions or rewards, and the like. Fund processing services. In this embodiment, the fee processing module 120 can be connected to a third-party payment platform interface, and the registered user can deposit the funds into the fee through the online banking or the registered account in the third-party payment platform. The account specified by the module 120 or the fund paid by the fee processing module 120 is not limited thereto, and the registered user of the product value estimation service platform 100 can also use the traditional remittance method such as the post office system or the banking system. The funds are deposited into the account designated by the fee processing module 120 or the funds paid by the fee processing module 120 are received.

The identity management module 130 is configured to perform identity classification marking on the registered users stored in the user database 101, and mark the identity of the registered users stored in the user database 101 as ordinary users, paying users, and excellent users. One of the group groups, that is, in the present invention, each registered user in the user database 101 may have any of the above three identities in addition to any one of the above three identities. Two identities, such as both regular and paid users The two identities, or both the excellent user and the paid user. Referring to FIG. 2, in this embodiment, the identity management module 130 is marked as a normal user A for the registered user who submitted the user registration information only by the user registration module 110, and is registered by the user. The module 110 submits the user registration information, and the registered user who has paid the relevant membership fee through the fee processing module 120 is marked as the paying user C, wherein the paying user C has the service platform for estimating the value of the product. The authority of each outstanding user B released by 100 for the product value estimation of financial products (please give details of what is good user B).

The value estimation module 140 is used to provide a product value estimation interface (not shown), and the ordinary user A or the excellent user B in the user database 101 submits the financial evaluation interface through the product value estimation interface. The product value estimation content of the product, that is, the forecast of the rise and fall of the value of various financial products such as securities, funds, gold, foreign exchange, futures, and bond financial products by ordinary users A/excellent users B, and by financial Estimates of the various indices derived from the products and the various parameters calculated from the transaction data. It should be noted that, in this embodiment, for the ordinary user A, only the product value estimation content of the financial product is submitted by the product value estimation interface, and for the excellent user B, In addition to submitting the aforementioned product value estimates, it is necessary to elaborate detailed reasons for the above estimates.

The information publishing module 150 is configured to provide a information publishing interface (not shown), so as to issue the excellent user B by the paying user C in the user database 101 (please refer to FIG. 2) The estimated value of the product submitted by Group 140 and its estimated reasons are for investment reference. Preferably, the information distribution module 150 can pre-collect the product value estimation content submitted by the excellent user B by the value estimation module 140 to generate group wisdom evaluation data, and send the group intelligence evaluation data to the user database 101. in The paying user C publishes the group intelligence evaluation data, so that the paying user C obtains more comprehensive and objective statistical data as an investment reference, thereby improving the service level.

The statistical analysis module 160 is configured to determine the accuracy of the product value estimation content submitted by the ordinary user A/excellent user B by the value estimation module 140, and collect and count each common user A/excellent user B. The historical product value submitted is estimated to be accurate and ranked. Preferably, the statistical analysis module 160 can further summarize statistical data of industries and industries that are good for different excellent users B according to the foregoing summary result, so as to more systematically and comprehensively manage excellent users in the user database 101. Group, to maximize the potential of excellent user B.

Furthermore, the result data counted by the statistical analysis module 160 is also used as the basis for the identity tag, and the identity management module 130 is configured to upgrade the general user A with the top ranked statistics to the excellent user B. Downgrade the excellent user B with a lower ranking to the normal user A to ensure the number and activity of the excellent user group.

Preferably, the statistical analysis module 160 is used to determine that the product value estimation content submitted by the ordinary user A/excellent user B by the value estimation module 140 is consistent with the actual result. The fee processing module 120 issues the relevant service fee as a reward to the ordinary user A/excellent user B according to a predetermined ratio, thereby improving the enthusiasm of the registered user for the product value estimation service platform of the present invention. In addition, it is not limited to a predetermined proportion of the service fee as a reward, and the reward may be: a predetermined bonus, a commodity exchange coupon or a member point and other valuable items.

3 is a flow chart showing the operation of the value estimation service method of the financial product of the present invention, wherein the method is applied to a value estimation system for a financial product, and is used for providing a value of a financial product to a client user. Estimate the service.

As shown in the figure, step S301 is first executed, and the value estimation service system of the financial product provides a user registration interface, and the user for the client submits the user registration information through the user registration interface to become the product value estimation service. The registered user of the platform stores the user registration information corresponding to the registered user in the user database, and the value estimation service system of the financial product also provides payment processing service for the registered user in the user database. Then proceed to step S303.

In step S303, the value estimation service system of the financial product classifies the registered users stored in the user database, and marks the identity of the registered users stored in the user database as ordinary users, paying users, and One of the group of excellent users, that is, each registered user in the user database 101 may have two of the above three identities in addition to any of the above three identities. For example, it has two identities of ordinary users and paying users, or two identities of excellent users and paying users. Referring to FIG. 2, in the embodiment, the value estimation service system of the financial product is marked as a normal user A for a registered user who has submitted only the user registration information, and the user registration information is submitted and paid. The registered user of the membership fee is marked as the paying user C, and then proceeds to step S305.

In step S305, the value estimation service system of the financial product provides a product value estimation interface, and the ordinary user A/excellent user B in the user database submits the financial product through the product value estimation interface. The estimated value of the product, in which the ordinary user A only needs to submit the product value estimate for the financial product through the product value estimation interface, and for the excellent user B, not only the aforementioned For the product value estimation content, it is necessary to explain the corresponding estimation reason for the above estimation content, and then proceed to step S307.

In step S307, the value estimation service system of the financial product releases the product value estimation content submitted by the excellent user B to the paying user C in the user database (including the excellent user B for the above estimated content) The reason for the estimation) is to provide an investment reference. Preferably, the method of the present invention further comprises: the value estimation service system of the financial product pre-collects the product value estimation content submitted by the excellent user B to generate the group wisdom evaluation data, and the data is generated in the user database. The paying user C issues the group wisdom evaluation data, and then proceeds to step S309.

In step S309, the value estimation service system of the financial product determines the accuracy of the product value estimation content submitted by the ordinary user A/excellent user B (ie, whether the estimated content is consistent with the actual result), and statistics The accuracy of the historical product value estimation content submitted by the ordinary user A/excellent user B is ranked, and then step S311 is performed. Preferably, the method of the present invention further includes the following processing steps: the value estimation service system of the financial product determines that the ordinary user/excellent user has high accuracy of the product value estimated by the value estimation module. At that time, the value item such as the service fee, the predetermined bonus, the commodity redemption ticket or the member points may be issued to the ordinary user A/excellent user B according to a predetermined ratio.

In step S311, the value estimation service system of the financial product upgrades the top ranked ordinary user A to the excellent user B according to the foregoing ranking result, and downgrades the superior user B with the lower ranked statistical rank to the ordinary user A. In order to ensure the quantity and activity of the excellent user group, the service quality and reference reliability of the product value estimation service platform of the present invention are improved. In addition, the present invention can further perform advanced processing for the excellent user B, that is, when it is determined that the accuracy of the product value estimated by the excellent user by the value estimation module is close to 100%, Waiting for the super user, and correspondingly, the super user can get a higher reward value.

It should be additionally noted that the value estimation service method of the financial product of the present invention can be applied directly to the value of the financial product of the invention as described in FIG. 3 by being located in any one of the network service devices. The present invention further provides a computer program product for storing a value estimation service processing program for a financial product, such as a web server, a workstation computer, and the like. By performing the steps described in FIG. 3 by the value estimation service processing program of the financial product, the user of the client can become a registered user of the product value estimation service platform, and submit the product for the financial product. Estimate the value of the content, or browse the product value estimate submitted by the excellent users, as an investment reference, and stimulate the enthusiasm of registered users.

In summary, the value estimation service system of the financial product of the present invention and the method thereof and the computer program product of the value estimation service processing program of the internal storage financial product classify the registered user classification as a common user, an excellent user, And one or a combination of the paying users, wherein the ordinary user/excellent user can submit the product value estimate for the financial product by using the product value estimation service platform set up by the present invention, and the paying user The product value estimation service submitted by the excellent user can be browsed by the product value estimation service platform of the present invention as an investment reference, and the present invention will also analyze whether the product value estimate submitted by the ordinary user/excellent user is Consistent with the actual results, the accuracy of the historical product value estimation contents submitted by the ordinary users/excellent users is counted and ranked, so that the general users with the highest rankings are upgraded to excellent users, from which the ordinary users are Unearth potential users and ensure that the number of outstanding users and their activity are not only sufficient Hui registered users the ability to finance and investment, and increase registered user for the product of the present invention predicts the value of hospitality and the reference platform reliability.

The above embodiments are merely illustrative of the principles and effects of the invention and are not intended to limit the invention. Modifications and variations of the above-described embodiments can be made by those skilled in the art without departing from the spirit and scope of the invention. Therefore, the scope of the invention should be as defined in the scope of the invention.

10‧‧‧ Value Estimation Service System for Financial Products

100‧‧‧ Product Value Estimation Service Platform

101‧‧‧User Database

110‧‧‧User Registration Module

120‧‧‧ Expense Processing Module

130‧‧‧ Identity Management Module

140‧‧‧Value Estimation Module

150‧‧‧Information Release Module

160‧‧‧Statistical Analysis Module

200‧‧‧Client

Claims (10)

A value estimation service system for financial products provides a value estimation service for financial products for users of a client by setting up a product value estimation service platform in a network system, and the system includes: a user registration module, The user registration interface is provided, and the user of the client submits the user registration information through the user registration interface to become a registered user of the product value estimation service platform, and stores the user registration information data corresponding to the registered user. In the user database; the fee processing module is used to provide payment processing services for the product value estimation service platform; the identity management module is used to identify the registered users stored in the user database. Classification mark, mark the identity of the registered user stored in the user database as one of the group of ordinary users, paying users and excellent users; the value estimation module is used to provide product value estimation Interface, for ordinary users/excellent users in the user database to submit their submissions through the product value estimation interface The product value estimate of the financial product; the information release module is used to provide an information publishing interface, so as to release the value of the product submitted by the excellent user by the value estimation module to the paying user in the user database. Estimated content; The statistical analysis module is used for determining the accuracy of the product value estimation content submitted by the ordinary user/excellent user by the value estimation module, and counting the historical product value submitted by each ordinary user/excellent user. The accuracy of the content is estimated and ranked; wherein the identity management module is marked as a normal user for the registered user who submitted the user registration information only by the user registration module, and the user registration information is submitted for the user. The registered user who has paid the membership fee through the fee processing module is marked as a paying user, and according to the statistical result of the statistical analysis module, the general user who ranks the top rank is upgraded to a good user. For example, the value estimation service system of the financial product described in claim 1 wherein the statistical analysis module determines the value of the product submitted by the ordinary user/excellent user through the value estimation module. When the accuracy of the content is estimated to be high, the cost processing module issues the value item to the ordinary user/excellent user. For example, the value estimation service system of the financial product described in the first application of the scope of the patent law, wherein the value estimation module replies the excellent user in the user database by submitting the product value estimation interface The estimated product value of financial products and the reasons for the estimation. For example, the value estimation service system for the financial products mentioned in the first paragraph of the scope of the patent law, wherein the information release module collects the product value estimation contents submitted by the excellent users by the value estimation module. The group wisdom evaluation data is generated, and the group wisdom evaluation data is released to the paying users in the user database. A value estimation service method for a financial product is applied to a value estimation system for a financial product, and is used for providing a value estimation service for a financial product to a client user, the method comprising the following steps: a financial product The value estimation service system performs identity classification and marking on the registered users stored in the user database, and marks the identity of the registered users stored in the user database as one of a group of ordinary users, paying users, and excellent users. The registered user who has submitted only the user registration information is marked as a normal user, and the registered user who has submitted the user registration information and paid the membership fee is marked as a paying user; the value estimation service system of the financial product Providing a product value estimation interface, for the ordinary user/excellent user in the user database to submit the product value estimate for the financial product through the product value estimation interface, and paying the user database The user publishes the product value estimate submitted by the excellent user; and the financial product The value estimation service system determines the accuracy of the product value estimation content submitted by the ordinary user/excellent user, and counts and ranks the accuracy of the historical product value estimation content submitted by the ordinary user/excellent user, and ranks Upgrade the top users of the statistical rankings to excellent users. The method for estimating the value of a financial product as described in claim 5, further comprising the steps of: the value estimation service system of the financial product provides a user registration interface, and the user for the client User registration interface submits user registration information to become the value pre- Estimating the registered user of the system, and storing the user registration information corresponding to the registered user in the user database; and providing payment processing service for the registered user in the user database to submit the user registration information Registered users who have paid their dues are marked as paying users. For example, the method for estimating the value of financial products mentioned in item 5 of the patent application includes the following steps: the value estimation service system for financial products downgrades the excellent users with lower rankings to ordinary users. For example, the value estimation service method for financial products mentioned in the fifth application patent scope includes the following steps: if the value estimation service system of the financial product determines the product value estimation content submitted by the ordinary user/excellent user When the accuracy is high, the value object is issued to the ordinary user/excellent user. For example, the value estimation service method for the financial products mentioned in the fifth application patent scope includes the following steps: the value estimation service system of the financial products collects the product value estimation contents submitted by the excellent users to generate a group. Wisdom evaluates the data and publishes the group intelligence evaluation data to the paying users in the user database. A computer program product that stores the value estimation service processing program of a financial product, and when it is loaded into the program and executed, the value of the financial product such as the patent application scope 5, 6, 7, 8, or 9 is completed. Estimate the steps described in the service method.