WO2015169106A1 - 互联网金融平台账户资金数值处理方法、系统及存储介质 - Google Patents

互联网金融平台账户资金数值处理方法、系统及存储介质 Download PDF

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Publication number
WO2015169106A1
WO2015169106A1 PCT/CN2015/070474 CN2015070474W WO2015169106A1 WO 2015169106 A1 WO2015169106 A1 WO 2015169106A1 CN 2015070474 W CN2015070474 W CN 2015070474W WO 2015169106 A1 WO2015169106 A1 WO 2015169106A1
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value
investment
fund
account
invested
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PCT/CN2015/070474
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English (en)
French (fr)
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陈衡
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陈衡
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Publication of WO2015169106A1 publication Critical patent/WO2015169106A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis

Definitions

  • the present invention relates to the field of computer technology, and in particular, to a method, system and storage medium for processing value of an account of an internet financial platform account.
  • An internet financial platform account capital value processing method comprising:
  • the investment project object is recorded and recorded;
  • the value of the returned funds corresponding to the one or more invested gold objects Transfer to the fund value storage account corresponding to the user identifier.
  • An internet financial platform account capital value processing system comprising:
  • a judging module configured to determine whether the one or more invested gold objects corresponding to the user identifier correspond to a flag indicating that the value of the renewed investment subscription lockout fund has been turned on;
  • An investment project object search module configured to automatically find a corresponding one of the one or more invested gold objects if the one or more invested gold objects correspond to a flag indicating that the renewal investment subscription lock fund value is turned on The investment project object matched by the preset configuration information and recorded;
  • a fund return event detecting module configured to detect a fund return event corresponding to the one or more invested gold objects
  • the first fund value transfer module is configured to: if the one or more invested gold objects correspond to the flag indicating that the renewal investment subscription lock fund value is turned on, when the fund return event is detected, the first priority is automatically The value of the returned funds corresponding to one or more invested gold objects is transferred to the collection account corresponding to the recorded investment project object;
  • the second fund value transfer module is configured to: if the one or more invested gold objects do not correspond to the flag indicating that the renewal investment subscription lock fund value is turned on, when the fund return event is detected, the one is The value of the returned funds corresponding to the plurality of invested gold objects is transferred to the fund value storage account corresponding to the user identifier.
  • One or more computer storage media containing computer executable instructions, wherein the computer executable instructions are for performing an internet financial platform account capital value processing method, the method comprising the steps of:
  • the value of the returned funds corresponding to the one or more invested gold objects Transfer to the fund value storage account corresponding to the user identifier.
  • the user presets configuration information corresponding to one or more invested gold objects, and when it is judged that one or more invested gold objects correspond to the open renewal reservation lock
  • the fund value is marked
  • the investment project object matching the configuration information corresponding to the one or more invested gold objects is automatically searched and recorded, and the investment project object indicates an investment target that meets the user's investment intention.
  • the fund remittance event is detected, the value of the remittance fund corresponding to the one or more invested gold objects is automatically prioritized over other remittance funds that do not correspond to the flag position of the renewed investment subscription lockout fund value. Enter the collection account corresponding to the recorded investment project object.
  • the value of the returned funds is transferred to the fund value corresponding to the user identifier when the fund return event is detected.
  • the storage account only the value of the returned funds is stored. In this way, automatic re-investment is realized efficiently, and the Internet financial platform does not accumulate a large amount of funds, and the loss caused by the attack is small.
  • FIG. 1 is a schematic diagram of an application environment of an internet financial platform in an embodiment
  • FIG. 2 is a schematic flow chart of a method for processing an account value of an internet financial platform account in an embodiment
  • 3 is a flow chart showing the steps of assigning the value of the incentive fund according to the investment duration of the recorded investment project object in one embodiment
  • FIG. 4 is a structural block diagram of an Internet financial platform account capital value processing system in an embodiment.
  • a method for processing an account value of an internet financial platform account is provided.
  • This embodiment is exemplified by the method applied to an internet financial platform.
  • the internet financial platform may be a P2P (Peer to Peer) online loan platform, a P2P equity investment platform, an internet project investment platform, a targeted fund platform, a venture capital platform, a local financing platform, a wealth management platform, a private lending platform, and the like. Or it may be a subdivision mode variant of the above various platforms or a combination of the above.
  • the hardware composition of the Internet financial platform in this embodiment is as shown in FIG. 1.
  • the Internet financial platform includes a communication interface server, a data processing server, a data storage server, and an account management server, and the Internet financial platform is connected to the user terminal through the communication interface server.
  • the communication interface server is configured to receive data sent by the user terminal and transmit it to other servers in the Internet financial platform for processing, and is also used to send data of other servers in the Internet financial platform to the user terminal.
  • the data processing server is configured to perform data processing
  • the account management server is configured to store the renewal investment account and the fund value storage account, and is configured to receive response information for the operation of the two accounts;
  • the data storage server is configured to store other non-account requirements Stored data.
  • the method for processing the account value of the Internet financial platform account in the embodiment specifically includes the following steps:
  • Step 202 Determine whether the one or more invested gold objects corresponding to the user identifier correspond to the flag indicating that the renewal investment subscription lock fund value is turned on, and if yes, execute step 204, if otherwise, execute step 208.
  • the user identifier After the user performs a registration operation on the Internet financial platform by the user terminal, the user identifier is obtained, and the fund value transfer password corresponding to the identifier is set.
  • the user identifier and its corresponding fund value transfer password are stored by the data storage server.
  • the user ID is used to uniquely identify the user and can be composed of characters. If the user invests in a certain target by logging in to the Internet financial platform with the user ID in advance, the user will receive the payment according to the agreed period.
  • the renewal of the investment value is to lock the value of the return funds of one or all of the investment items corresponding to the user identification, and the user cannot withdraw it at will. The value of the locked funds will be automatically used for the renewal of the corresponding conditions. Project target.
  • the user indicated by the user ID has already invested in the Internet financial platform.
  • the funds for each investment operation can be called a fund if it is an invested investment object. funds.
  • the investment project object corresponding to the one or more invested gold objects has not arrived yet Period, if it expires, it will convert the invested gold object into the available fund balance, which can be used to continue investment or withdrawal.
  • the flag bit can be used to indicate whether a certain function is activated.
  • the data processing server determines whether the user identifier corresponds to a flag indicating that the value of the reserved investment lockout fund has been turned on, that is, whether the user has opened the function of renewing the investment to reserve the locked funds value. .
  • the value 1 can be used to indicate that the flag of the renewal investment subscription lockout value has been turned on, and the non-one value such as 0 can be used to indicate the flag of the unlocked investment value locked.
  • the data storage server may be configured to store a correspondence between one or more invested gold objects and flag bits corresponding to the user identifier, so that the data processing server may indicate that one or more invested gold objects in the data storage server are correspondingly displayed.
  • the flag of the reserved investment lockout value is continuously determined to determine whether the user has activated the function of renewing the investment to lock the fund value, thereby performing different steps according to different judgment results.
  • Step 204 automatically find and record an investment project object that matches the preset configuration information corresponding to one or more invested gold objects.
  • the preset configuration information is configuration information set by the user after logging in to the Internet financial platform by means of the user identifier, and can be stored on the data storage server, and the configuration information is used to indicate an attribute that the object of the item target that the user wishes to continue to invest should have.
  • the preset configuration information corresponding to the one or more invested gold objects includes a preset investment amount value, a preset investment duration, a preset payment period, a preset operation mode information, and a preset. At least one of the operation team information, the preset rate of return, the preset risk factor, and the preset warranty information.
  • the preset investment duration indicates the total duration of the value of the capital value of the object of the pre-agreed eligible item.
  • the preset payback period indicates that the object of the target agreed in advance periodically returns the return fund value according to the preset payback period.
  • the preset investment fund value indicates the amount of funds previously set by the user for continuing investment.
  • the preset risk coefficient is used to indicate the probability that the total value of the returning funds of the object of the pre-agreed item is reduced compared to the total amount of the investment fund, and may be represented by a numerical value or by a character indicating a level of risk. Such as high risk, low risk, no risk, etc.
  • the default rate of return represents the difference between the total amount of the repayment funds of the target of the pre-agreed target minus the value of the investment funds, and the ratio of the total value of the investment funds.
  • the default guarantee information includes whether there is a guarantee, and may also include the guarantee method, such as personal guarantee, company guarantee, third party guarantee, etc.
  • the operation mode information indicates the operation mode of the fund value of the object of the target
  • the preset operation team information indicates the information of the team of the object that operates the target, such as the name and size of the fund company.
  • one or more invested gold objects correspond to the flag of the value of the renewed investment subscription lockout fund, it indicates that the user has opened the automatic renewed investment and the continuous investment value is automatically locked.
  • the data processing server automatically searches for one. Or the investment project object matched by the configuration information corresponding to the plurality of invested gold objects, and the searched investment project object is recorded corresponding to the user identifier when the search is found.
  • the investment project object matching the configuration information corresponding to the one or more invested gold objects is found, the investment project object satisfies the investment requirement preset by the user, and the investment project object is recorded for use in the subsequent steps. .
  • the method further includes: locking a flag bit and/or locking configuration information indicating that the renewal investment subscription lock fund value has been turned on.
  • the flag corresponding to the one or more invested gold objects indicating that the renewal investment subscription lock fund value is turned on is locked, and/or the preset one corresponding to the one or more invested gold objects is set.
  • the configuration information is locked so that the flag and the configuration information cannot be edited. In this way, on the one hand, the user can be prevented from arbitrarily changing the settings, so that the processing of the investment data performed by the user is erroneous, and the setting corresponding to the one or more invested gold objects can be prevented from being maliciously modified, causing loss to the user.
  • Step 206 Detecting a fund return event corresponding to one or more invested gold objects, and when detecting a fund return event, automatically transferring the value of the returned funds corresponding to one or more invested gold objects automatically The recorded investment project object corresponds to the collection account.
  • the data processing server may detect the fund return event corresponding to the one or more invested gold objects in real time or on the agreed return date, specifically by detecting whether the bank server receives the corresponding one sent by the communication interface server. Or a payment notice of a plurality of invested gold objects to detect a fund return event corresponding to the one or more invested gold objects.
  • the collection account corresponding to the recorded investment project object can be recorded on the data storage server.
  • the receiving account is used to bear the value of the user's investment amount, and the receiving account can be set on the account management server or on the bank server.
  • the account management server may be notified to automatically transfer the value of the returned funds corresponding to the one or more invested gold objects into the collection account corresponding to the recorded investment project object, thereby realizing Automatic renewal of the value of the preset investment amount cast.
  • the value of the repayment fund includes the value of the repayment principal and the value of the repayment interest.
  • the value of the return money corresponding to one or more invested gold objects corresponding to the flag of the open-reserved reserve lock fund value is opened, compared with other flag positions that do not correspond to the value of the lock-in funds that have been opened for renewal.
  • the value of the investment fund has the priority to be transferred to the receiving account, so as to ensure that the user identification can be successfully invested, and avoid the security risks caused by the large accumulation of the fund value corresponding to the user identifier on the Internet financial platform.
  • Step 208 Detecting a fund remittance event corresponding to one or more invested gold objects, and transferring the value of the remitted funds corresponding to one or more invested gold objects to the user identification office when detecting the fund remittance event
  • the corresponding fund value is stored in the account.
  • the account management server When one or more invested gold objects do not correspond to the flag indicating that the renewal investment subscription lockout value is turned on, it indicates that the user has not opened the function of locking the investment value, and the account management server is notified to make the account management server according to the detection.
  • the value of the returned funds generated by the returning event is transferred to the fund value storage account corresponding to the user identification.
  • the fund value storage account is used to store the fund value, and the fund value stored in the fund value storage account can be used to indicate idle funds.
  • the account management server may receive a cash withdrawal instruction sent by the user through the user terminal, so that the account management server may extract the fund value specified by the fund value withdrawal instruction from the fund value storage account, and transfer the extracted specified fund value into the account.
  • the fund value is used to withdraw the bank fund value account specified by the instruction, and the bank fund value account can be stored on the bank server.
  • the user presets the configuration information corresponding to one or more invested gold objects, and when it is judged that one or more invested gold objects correspond to the flag of the already-opened subscription reserved locked funds value
  • the investment project object matched with the configuration information corresponding to one or more invested gold objects is automatically searched and recorded, and the investment project object represents an investment target that meets the user's investment intention.
  • the fund remittance event is detected, the value of the repayment fund corresponding to the one or more invested gold objects is automatically prioritized over other investment funds that do not correspond to the flag of the renewed investment subscription lockout fund value, and is transferred to The recorded investment project object corresponds to the collection account.
  • the value of the remitted funds is transferred to the fund value corresponding to the user identifier when the fund remittance event is detected. In the account, only the value of the returned funds is stored. This effectively enables automatic renewal, and Internet finance There is not a lot of money accumulated on the platform, and the damage caused by the attack is small.
  • the method for processing the account value of the Internet financial platform account in this embodiment is different from the conventional fund re-investment.
  • the regular fund re-investment can only achieve the renewal of the user's account balance, but this embodiment is not The invested capital due is renewed.
  • the priority of the Internet financial platform account capital value processing method of the embodiment may be set to be higher than the priority of the account balance renewal investment, so that the Internet financial platform account capital value processing method of the embodiment will take precedence over the account balance renewal priority. trigger.
  • the step of automatically preferentially transferring the value of the returned funds corresponding to the one or more invested gold objects into the collection account corresponding to the recorded investment project object comprises: automatically one or more invested The value of the remittance fund corresponding to the gold object is transferred to the reinvestment account corresponding to the user ID, and when the recorded investment project object is opened, the value of the fund in the reinvestment account is automatically transferred to the corresponding investment project object. In the collection account.
  • the account management server when the fund return event is detected, the account management server is notified, so that the account management server automatically first transfers the value of the returned funds corresponding to the one or more invested gold objects to the renewal investment account corresponding to the user identifier.
  • the value of the fund in the re-investment account is automatically transferred to the collection account corresponding to the recorded investment project object, and the transfer has priority over other uncorresponding open renewed appointments.
  • the value of the other investment funds that lock the value of the fund value is transferred to the right of the collection account.
  • the opening of the investment project object means that the investment project object is activated and is in a state in which the value of the transferred funds can be received.
  • the renewal investment account is used to instruct the account management server to automatically renew the fund value when the Internet financial platform has an investment project object that meets the user's prior setting.
  • the value of the funds stored in the renewal investment account is locked for a preset period of time, and the value of the funds in the locked state cannot be arbitrarily taken by the user.
  • the value of the returned funds may be temporarily transferred into the re-investment account, and the re-investment account is different from the ordinary fund value storage account, and may be set to be locked but not It is arbitrarily taken by the user to ensure that it can invest in investment project objects that meet the user's needs.
  • the method further includes: marking that the withdrawal status of the returned funds value in the re-investment account is a locked state, and setting the retention time of the locked state to a preset duration.
  • the withdrawal status of the transferred funds is marked as a locked state, and the maintenance time limit of the locked state is set as a preset. duration.
  • the withdrawal refers to the transfer of the fund value at the request of the user.
  • the value of the fund with the state of the locked state cannot be freely transferred at the request of the user, but does not affect the automatic re-investment of the value of the funds in the re-investment account of the Internet financial platform.
  • the locked state can ensure the security of the fund value in the re-investment account.
  • the business developer of the Internet financial platform can develop the business according to the preset configuration information corresponding to one or more invested gold objects, so as to fit the user's investment demand as much as possible, and increase Or the probability that the investment item object matched by the preset configuration information corresponding to the invested gold object exists, so that the operation of automatically renewing the fund value is more efficient.
  • the internet financial platform account capital value processing method further comprises: receiving a renewal investment value transfer request carrying the value of the funds to be transferred; and subtracting the funds to be transferred from the renewal investment account according to the renewal investment value transfer request Value, and increase the value of the funds to be transferred in the fund value storage account.
  • the account management server may determine whether the total amount of the funds in the re-investment account that is not in the locked state is greater than or equal to the value of the funds to be transferred. Then, the value of the funds to be transferred that is not locked is subtracted from the renewal investment account, and the value of the funds to be transferred is increased in the fund value storage account; if not, the feedback information of the transfer failure is returned.
  • the user after receiving the renewal investment value transfer request sent by the user terminal through the communication interface server and carrying the value of the funds to be transferred, for example, the user inputs and submits in a specific page provided by the internet financial platform.
  • the user ID and the fund value transfer password carried in the renewal investment value transfer request are verified.
  • the value of the funds to be transferred is subtracted from the renewal investment account, and then added in the fund value storage account. The value of the funds to be transferred. This achieves the transfer of funds values from the reinvestment account to the fund value storage account.
  • the method for processing the internet financial platform account capital further includes the step of allocating the value of the incentive fund according to the investment duration of the recorded investment project object, and specifically includes the following steps:
  • Step 302 Acquire an investment duration of the recorded investment project object.
  • the data processing server may obtain one or more invested gold pairs from the data storage server.
  • the investment duration of the investment project object matched by the preset configuration information corresponding to the preset configuration information indicates that the investment project object needs to occupy the total duration of the fund value in the renewal investment account.
  • Step 304 Acquire an incentive ratio corresponding to the acquired investment duration according to a preset correspondence between the investment duration and the incentive ratio.
  • the data storage server pre-stores the correspondence between the investment duration and the incentive ratio, and the data processing server can obtain the incentive ratio corresponding to the investment duration of the investment project object.
  • the value of the incentive ratio can be set in advance, such as 0.15%, 0.3% or 0.45%.
  • the correspondence between the investment duration and the incentive ratio can be 0.15% for one month, 0.3% for two months, and 0.45% for three months.
  • Step 306 Calculate the value of the incentive fund according to the value of the funds transferred to the collection account and the proportion of the incentives obtained.
  • the data processing server may calculate the incentive fund value by multiplying the preset investment amount value by the incentive ratio obtained above.
  • step 308 the incentive fund value is transferred to the fund value storage account or the re-investment account.
  • the data processing server notifies the account management server to transfer the calculated incentive fund value into the above-mentioned renewal investment account or the above-mentioned fund value storage account.
  • the account management server may transfer the incentive fund value into the renewal account or the fund value storage account every preset time point or every preset time interval, and may also detect the preset event when the data processing server detects When it occurs, for example, when the above investment project object is approved, the account management server is notified to transfer the incentive fund value into the renewal investment account or the fund value storage account.
  • the value of the incentive fund is transferred to the renewal investment account or the fund value storage account, so that the user is more willing to use the renewal investment service provided by the internet financial platform, and the internet financial platform is increased.
  • the stability of running a re-investment business is increased.
  • an internet financial platform account capital value processing system includes: a determining module 402, an investment project object searching module 404, a fund return event detecting module 406, and a first The funds value transfer module 408 and the second fund value transfer module 410.
  • the determining module 402 is configured to determine whether the one or more invested gold objects corresponding to the user identifier correspond to the flag indicating that the renewal investment subscription lock fund value is turned on.
  • the user ID can be obtained and set.
  • the user identifier used to identify the corresponding fund value transfer password is used to uniquely identify the user identity and may be composed of characters. If the user invests in a certain target by logging in to the Internet financial platform with the user ID in advance, the user will receive the payment according to the agreed period.
  • the renewal of the investment value is to lock the value of the return funds of one or all of the investment items corresponding to the user identification, and the user cannot withdraw it at will. The value of the locked funds will be automatically used for the renewal of the corresponding conditions. Project target.
  • the flag bit can be used to indicate whether a function is activated.
  • the determining module 402 is configured to determine whether the one or more invested gold objects corresponding to the user identifier correspond to a flag indicating that the value of the reserved investment lockout fund has been turned on, that is, whether the user is judged whether The function of renewing the investment value lock is opened for one or more invested gold objects.
  • the value 1 can be used to indicate that the flag of the renewal investment subscription lockout value is turned on, and the non-one value such as 0 can be used to indicate the flag of the unlocked investment value locked, and the correspondence between the user identifier and the flag bit is stored.
  • the determining module 402 can be configured to determine whether the user has opened the function of renewing the subscription lockout fund value by searching whether the stored one or more invested gold objects correspond to the flag indicating that the renewed investment subscription lockout fund value is turned on, thereby Different judgment results to achieve different functions.
  • the investment project object searching module 404 is configured to automatically find a preset corresponding to one or more invested gold objects if one or more invested gold objects correspond to a flag indicating that the renewal investment subscription locked funds value is turned on. The investment project object matched by the configuration information is recorded and recorded.
  • the preset configuration information is configuration information set by the user after logging in to the Internet financial platform by means of the user identifier, and can be stored in advance to be used when needed. This configuration information is used to indicate the attributes that the object of the item target that the user wishes to continue investing should have.
  • the preset configuration information corresponding to the one or more invested gold objects includes a preset investment amount value, a preset investment duration, a preset payment period, a preset operation mode information, and a preset. At least one of the operation team information, the preset rate of return, the preset risk factor, and the preset warranty information.
  • the investment project object search module 404 is used at this time.
  • the investment project object matching the configuration information corresponding to one or more invested gold objects is automatically searched, and the found investment project object is recorded corresponding to one or more invested gold objects.
  • a match is found that matches the configuration information corresponding to one or more invested gold objects
  • the project object is used, it indicates that the investment project object satisfies the investment requirement set by the user, and records the investment project object for use by other modules.
  • the internet financial platform account fund value processing system further includes a locking module 412 for locking a flag bit and/or locking configuration information indicating that the renewal vote subscription lockout value has been turned on.
  • the locking module 412 is configured to lock the flag bit corresponding to one or more invested gold objects indicating that the value of the open-reserved subscription lock funds has been opened, and/or to correspond to one or more invested gold objects.
  • the preset configuration information is locked so that the flag bit and the configuration information cannot be edited.
  • the user can be prevented from arbitrarily changing the settings, so that the processing of the investment data performed by the user is erroneous, and the setting corresponding to the one or more invested gold objects can be prevented from being maliciously modified, causing loss to the user.
  • the fund remittance event detecting module 406 is configured to detect a fund remittance event corresponding to one or more invested gold objects.
  • the fund return event detecting module 406 may be configured to detect a fund return event corresponding to the one or more invested gold objects in real time or on an agreed return date, specifically by detecting whether a bank server is received. A payment notice corresponding to one or more invested gold objects is used to detect a fund return event corresponding to the one or more invested gold objects.
  • the first fund value is transferred to the module 408, and if one or more invested gold objects correspond to the flag indicating that the renewal investment subscription lock fund value is turned on, the first priority is automatically prioritized when the fund return event is detected.
  • the value of the remittance fund corresponding to the invested investment object is transferred to the collection account corresponding to the recorded investment project object.
  • the collection account corresponding to the recorded investment project object may be recorded in advance, and the collection account is used to bear the value of the investment amount of the user.
  • the first fund value transfer module 408 can be used to automatically transfer the funds corresponding to the one or more invested gold objects.
  • the value is transferred to the collection account corresponding to the recorded investment project object, and the automatic renewal of the preset investment amount value is realized.
  • the value of the repayment fund includes the value of the repayment principal and the value of the repayment interest.
  • the value of the return money corresponding to one or more invested gold objects corresponding to the flag of the open-reserved reserve lock fund value is opened, compared with other flag positions that do not correspond to the value of the lock-in funds that have been opened for renewal.
  • the value of the investment fund has priority to transfer to the receiving account In order to ensure that the user ID can be successfully invested, and avoid the security risks caused by the large amount of funds corresponding to the user ID accumulated on the Internet financial platform.
  • the second fund value is transferred to the module 410, and if one or more invested gold objects do not correspond to the flag indicating that the renewal investment subscription lock fund value is turned on, one or more will be detected when the fund return event is detected.
  • the value of the returned funds corresponding to the invested gold object is transferred to the fund value storage account corresponding to the user identification.
  • the second fund value transfer module 410 is used to The value of the returned funds generated by the detected payment event is transferred to the fund value storage account corresponding to the user identification.
  • the fund value storage account is used to store the fund value, and the fund value stored in the fund value storage account can be used to indicate idle funds.
  • the user sets configuration information corresponding to one or more invested gold objects in advance, and when it is judged that one or more invested gold objects correspond to the flag of the already-opened subscription reserved locked funds value
  • the investment project object matched with the configuration information corresponding to one or more invested gold objects is automatically searched and recorded, and the investment project object represents an investment target that meets the user's investment intention.
  • the fund remittance event is detected, the value of the repayment fund corresponding to the one or more invested gold objects is automatically prioritized over other investment funds that do not correspond to the flag of the renewed investment subscription lockout fund value, and is transferred to The recorded investment project object corresponds to the collection account.
  • the value of the remitted funds is transferred to the fund value corresponding to the user identifier when the fund remittance event is detected. In the account, only the value of the returned funds is stored. In this way, automatic re-investment is realized efficiently, and the Internet financial platform does not accumulate a large amount of funds, and the loss caused by the attack is small.
  • the first fund value transfer module 408 is further configured to automatically transfer the value of the money returned by the one or more invested gold objects into the renewal account corresponding to the user identifier, and record the When the investment project object is opened, the value of the funds in the renewal investment account is automatically transferred to the collection account corresponding to the recorded investment project object.
  • the first fund value transfer module 408 is configured to automatically transfer the value of the remittance fund corresponding to the one or more invested gold objects to the renewed vote corresponding to the user identifier.
  • the value of the fund in the re-investment account is automatically transferred to the collection account corresponding to the recorded investment project object, and the transfer has priority over other uncorresponding open re-investments.
  • the value of the other investment funds for the position of the locked-in fund value is transferred to the right of the collection account.
  • the opening of the investment project object means that the investment project object is activated and is in a state in which the value of the transferred funds can be received.
  • the renewal investment account is used to automatically refill the fund value when there is an investment project object that meets the user's prior setting on the Internet financial platform.
  • the value of the funds stored in the renewal investment account is locked for a preset period of time, and the value of the funds in the locked state cannot be arbitrarily taken by the user.
  • the value of the returned funds may be temporarily transferred into the re-investment account, and the re-investment account is different from the ordinary fund value storage account, and may be set to be locked but not It is arbitrarily taken by the user to ensure that it can invest in investment project objects that meet the user's needs.
  • the locking module 412 is further configured to mark the withdrawal status of the returned funds value transferred in the renewal investment account as a locked state, and set the retention time of the locked state to a preset duration.
  • the fund value in the state of being locked is not freely transferable at the request of the user, but does not affect the automatic re-investment of the value of the funds in the re-investment account of the internet financial platform. In this way, it is possible to avoid the automatic withdrawal of the fund value due to the free withdrawal of the fund value, and the locked state can ensure the security of the fund value in the re-investment account.
  • the business developer of the internet financial platform can develop the service according to the preset configuration information corresponding to the user identifier, so as to fit the user's investment demand as much as possible, and increase the preset corresponding to the user identifier.
  • the system further includes a fund value transfer module (not shown) for receiving a fund value withdrawal instruction sent by the user terminal, so as to be used to extract the fund value withdrawal instruction from the fund value storage account.
  • the specified fund value, and the extracted specified fund value is transferred to the bank fund value account specified by the fund value withdrawal instruction, and the bank fund value account may be stored on the bank server.
  • the fund value transfer module is further configured to receive a renewal investment value transfer request carrying the value of the funds to be transferred; and subtract the value of the funds to be transferred from the renewal investment account according to the renewal investment value transfer request, and The value of the funds to be transferred is increased in the fund value storage account.
  • the fund value transfer module is further configured to receive the value of the renewal investment value carrying the value of the fund to be transferred After the request is moved, it is judged whether the total amount of the funds in the re-investment account that is not in the locked state is greater than or equal to the value of the funds to be transferred, and if so, the value of the funds to be transferred that are not in the locked state is subtracted from the re-investment account, and the value is stored in the fund value. The value of the funds to be transferred is increased in the account; if not, the feedback information of the transfer failure is returned.
  • the fund value transfer module is configured to verify the user identifier and the fund value transfer password carried in the renewal investment value transfer request after receiving the renewal investment value transfer request carrying the value of the funds to be transferred. After that, the value of the funds to be transferred is subtracted from the renewal investment account, and then the value of the funds to be transferred is added to the fund value storage account. This achieves the transfer of funds values from the reinvestment account to the fund value storage account.
  • the internet financial platform account capital value processing system further includes an investment duration acquisition module 414, an incentive ratio acquisition module 416, an incentive fund value calculation module 418, and an incentive fund value transfer module 420.
  • the investment duration acquisition module 414 is configured to obtain the investment duration of the recorded investment project object.
  • the investment duration acquisition module 414 can be configured to obtain the investment duration of the stored investment project object that matches the preset configuration information corresponding to the one or more invested gold objects, where the investment duration indicates that the investment project object needs to occupy the renewal investment. The total length of the funds in the account.
  • the incentive ratio acquisition module 416 is configured to obtain the excitation ratio corresponding to the acquired investment duration according to the preset relationship between the investment duration and the incentive ratio.
  • the correspondence between the investment duration and the incentive ratio is stored in advance, and the incentive ratio acquisition module 416 can be used to obtain the incentive ratio corresponding to the investment duration of the investment project object.
  • the value of the incentive ratio can be set in advance, such as 0.15%, 0.3% or 0.45%.
  • the correspondence between the investment duration and the incentive ratio can be 0.15% for one month, 0.3% for two months, and 0.45% for three months.
  • the incentive fund value calculation module 418 is configured to calculate the incentive fund value according to the fund value transferred to the payment account and the obtained incentive ratio.
  • the incentive fund value calculation module 418 can be configured to calculate the incentive fund value by multiplying the preset investment amount value by the above-obtained incentive ratio.
  • the incentive funds value is transferred to the module 420 for transferring the incentive funds value into the fund value storage account or the renewal investment account.
  • the incentive fund value transfer module 420 can be configured to transfer the calculated incentive fund value into the above-mentioned renewal account or the above-mentioned fund value storage account.
  • the incentive funds value transfer module 420 can be used to transfer the incentive funds into the renewal account or the fund value storage account every preset time point or every preset time interval, and can also be used for detecting When the preset event occurs, for example, when the above investment project object is approved, the value of the incentive fund is transferred to the renewal investment account or the fund value storage account.
  • the value of the incentive fund is transferred to the renewal investment account or the fund value storage account, so that the user is more willing to use the renewal investment service provided by the internet financial platform, and the internet financial platform is increased.
  • the stability of running a re-investment business is increased.
  • the storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

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Abstract

本发明提供了一种互联网金融平台账户资金数值处理方法、系统及存储介质，该方法包括：判断用户标识对应的一个或多个已投资金对象是否对应表示已开启续投预约锁定资金数值的标志位，若是，则自动查找与一个或多个已投资金对象所对应的预先设定的配置信息所匹配的投资项目对象并记录；当检测到资金回款事件时自动优先将一个或多个已投资金对象对应的回款资金数值转入记录的投资项目对象对应的收款账户中；若否，则在检测到资金回款事件时，将一个或多个已投资金对象对应的回款资金数值转入用户标识所对应的资金数值存储账户中。本发明提供的方法、系统和存储介质高效实现了自动续投，互联网金融平台不累积大量资金，被攻击造成的损失小。

Description

互联网金融平台账户资金数值处理方法、系统及存储介质
本申请要求于2014年5月8日提交中国专利局、申请号为201410193697.9、发明名称为“基于互联网应用平台的账户资金数值处理方法和系统”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
【技术领域】
本发明涉及计算机技术领域，特别是涉及一种互联网金融平台账户资金数值处理方法、系统及存储介质。
【背景技术】
互联网金融近年来迅猛发展，方兴未艾，出现了各种互联网金融平台。这类金融平台将互联网技术应用到金融领域，以互联网为媒介，利用互联网的公知性从公众吸引资金以投向各种业务或项目，这对促进民间资本参与国家经济建设具有相当积极的作用。
目前用户在互联网金融平台上投资某一项目标的后，每隔一定时间会收到回款，这部分回款一般是转入用户的资金账户中，用户需要时可提现或手动选择新的项目标的来投资。然而通过手动选择新的项目标的来投资效率太低，而且会导致互联网金融平台上累积大量闲置的资金，若互联网金融平台被恶意攻击会导致大量用户的资金损失，安全性低。
【发明内容】
基于此，有必要针对目前在收到回款后，用户通过手动选择新的项目标的来投资效率低的问题，提供一种互联网金融平台账户资金数值处理方法、系统及存储介质。
一种互联网金融平台账户资金数值处理方法，所述方法包括：
判断用户标识所对应的一个或多个已投资金对象是否对应表示已开启续投预约锁定资金数值的标志位，若是，则
自动查找到与所述一个或多个已投资金对象所对应的预先设定的配置信息所匹 配的投资项目对象并记录；
检测所述一个或多个已投资金对象所对应的资金回款事件，当检测到资金回款事件时，则自动优先将所述一个或多个已投资金对象所对应的回款资金数值转入所述记录的投资项目对象所对应的收款账户中；
若否，则检测所述一个或多个已投资金对象所对应的资金回款事件，在检测到资金回款事件时，将所述一个或多个已投资金对象所对应的回款资金数值转入所述用户标识所对应的资金数值存储账户中。
一种互联网金融平台账户资金数值处理系统，所述系统包括：
判断模块，用于判断用户标识所对应的一个或多个已投资金对象是否对应表示已开启续投预约锁定资金数值的标志位；
投资项目对象查找模块，用于若所述一个或多个已投资金对象对应表示已开启续投预约锁定资金数值的标志位，则自动查找到与所述一个或多个已投资金对象所对应的预先设定的配置信息所匹配的投资项目对象并记录；
资金回款事件检测模块，用于检测所述一个或多个已投资金对象所对应的资金回款事件；
第一资金数值转入模块，用于若所述一个或多个已投资金对象对应表示已开启续投预约锁定资金数值的标志位，则在检测到资金回款事件时，自动优先将所述一个或多个已投资金对象所对应的回款资金数值转入所述记录的投资项目对象所对应的收款账户中；
第二资金数值转入模块，用于若所述一个或多个已投资金对象不对应表示已开启续投预约锁定资金数值的标志位，则在检测到资金回款事件时，将所述一个或多个已投资金对象所对应的回款资金数值转入所述用户标识所对应的资金数值存储账户中。
一个或多个包含计算机可执行指令的计算机存储介质，其特征在于，所述计算机可执行指令用于执行一种互联网金融平台账户资金数值处理方法，所述方法包括以下步骤：
判断用户标识所对应的一个或多个已投资金对象是否对应表示已开启续投预约锁定资金数值的标志位，若是，则
自动查找到与所述一个或多个已投资金对象所对应的预先设定的配置信息所匹配的投资项目对象并记录；
检测所述一个或多个已投资金对象所对应的资金回款事件，当检测到资金回款事件时，则自动优先将所述一个或多个已投资金对象所对应的回款资金数值转入所述记录的投资项目对象所对应的收款账户中；
若否，则检测所述一个或多个已投资金对象所对应的资金回款事件，在检测到资金回款事件时，将所述一个或多个已投资金对象所对应的回款资金数值转入所述用户标识所对应的资金数值存储账户中。
上述互联网金融平台账户资金数值处理方法、系统及存储介质，用户预先对应一个或多个已投资金对象设定了配置信息，当经判断一个或多个已投资金对象对应已开启续投预约锁定资金数值的标志位时，自动查找与该一个或多个已投资金对象所对应的配置信息所匹配的投资项目对象并记录，该投资项目对象表示符合用户投资意愿的投资标的。当检测到资金回款事件时，自动将该一个或多个已投资金对象所对应的回款资金数值优先于其它未对应已开启续投预约锁定资金数值的标志位的回款资金数值，转入已经记录的投资项目对象所对应的收款账户中。而若该一个或多个已投资金对象未对应已开启续投预约锁定资金数值的标志位，则在检测到资金回款事件时将该回款资金数值转入该用户标识所对应的资金数值存储账户中，仅存储该回款资金数值。这样高效地实现了自动续投，且互联网金融平台上不会累积大量资金，被攻击时造成的损失小。
【附图说明】
图1为一个实施例中互联网金融平台的应用环境示意图；
图2为一个实施例中互联网金融平台账户资金数值处理方法的流程示意图；
图3为一个实施例中根据记录的投资项目对象的投资时长分配激励资金数值的步骤的流程示意图；
图4为一个实施例中互联网金融平台账户资金数值处理系统的结构框图。
【具体实施方式】
为了使本发明的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本发明进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用 以解释本发明，并不用于限定本发明。
在一个实施例中，提供了一种互联网金融平台账户资金数值处理方法，本实施例以该方法应用于互联网金融平台来举例说明。该互联网金融平台可以是P2P(Peer to Peer，个人对个人)网贷平台、P2P股权投资平台、互联网项目投资平台、定向基金平台、风险投资平台、地方融资平台、理财平台、民间借贷平台等，或者还可以是以上各种平台的细分模式变种或以上多种方式的结合。
本实施例中互联网金融平台的硬件组成结构如图1所示，互联网金融平台包括通信接口服务器、数据处理服务器、数据存储服务器和账户管理服务器，且互联网金融平台通过通信接口服务器与用户终端连接。其中通信接口服务器用于接收用户终端发来的数据并传递给互联网金融平台中的其它服务器处理，还用于将互联网金融平台中其它服务器的数据发送给用户终端。数据处理服务器用于进行数据处理，账户管理服务器用于存储续投账户和资金数值存储账户，并用于接收对于这两种账户的操作信息而作出响应；数据存储服务器用于存储其它非账户的需存储的数据。如图2所示，本实施例中互联网金融平台账户资金数值处理方法具体包括以下步骤：
步骤202，判断用户标识所对应的一个或多个已投资金对象是否对应表示已开启续投预约锁定资金数值的标志位，若是则执行步骤204，若否则执行步骤208。
用户通过用户终端在互联网金融平台上进行注册操作后可获得用户标识，并设置该用于标识所对应的资金数值转移密码。由数据存储服务器存储该用户标识及其所对应的资金数值转移密码。该用户标识用于唯一标识用户身份，可由字符组成。用户事先通过用户终端凭借该用户标识登录互联网金融平台后投资了某一项目标的，会按约定的周期收到回款。续投资金数值锁定是指将用户标识所对应的某一或全部投资项目的回款资金数值锁定，用户不能随意支取，该锁定的回款资金数值将自动优先用于续投符合预设条件的项目标的。
用户标识所表示的用户在互联网金融平台上已经进行了投资操作，每次投资操作的资金作为一个已投资金对象，可以称其为一笔资金，多个已投资金对象则可称为多笔资金。且该一个或多个已投资金对象所对应的投资项目对象尚未到 期，若到期则会将已投资金对象转化为可用资金余额，该可用资金余额可用于继续投资或提现。
标志位可用于表示是否开通了某项功能，步骤202中数据处理服务器判断用户标识是否对应表示已开启续投预约锁定资金数值的标志位，就是判断用户是否开通了续投预约锁定资金数值的功能。具体地可用数值1来表示已开启续投预约锁定资金数值的标志位，同时可用非1的数值比如0来表示未开启续投资金数值锁定的标志位。数据存储服务器可用于存储用户标识所对应的一个或多个已投资金对象和标志位的对应关系，从而数据处理服务器可通过查找数据存储服务器中一个或多个已投资金对象是否对应表示已开启续投预约锁定资金数值的标志位，来确定用户是否开通了续投预约锁定资金数值的功能，从而根据不同的判断结果来执行不同的步骤。
步骤204，自动查找到与一个或多个已投资金对象所对应的预先设定的配置信息所匹配的投资项目对象并记录。
预先设定的配置信息是用户在凭借用户标识登录互联网金融平台后设定的配置信息，可存储于数据存储服务器上，该配置信息用于表示用户希望继续投资的项目标的对象应当具有的属性。
在一个实施例中，一个或多个已投资金对象所对应的预设设定的配置信息包括预设投资金额数值、预设投资时长、预设回款周期、预设操作模式信息、预设操作团队信息、预设收益率、预设风险系数和预设担保信息中的至少一种。其中预设投资时长表示预先约定的符合条件的项目标的对象需要占用资金数值的总时长范围。预设回款周期表示预先约定的该项目标的对象按照该预设回款周期来周期性地返回回款资金数值。预设投资资金数值表示用户事先设定的用于继续投资的资金数值额度。预设风险系数用于表示该预先约定的项目标的对象的回款资金数值总和相比投资资金数值总额发生减少的概率的高低，可以用数值表示，也可以用表示风险高低等级的字符来表示，如高风险、低风险、无风险等。预设收益率表示预先约定的该项目标的对象的回款资金数值总额减去投资资金数值的差，再除以投资资金数值总额的比率。预设担保信息包括是否有担保，还可以包括担保方式，比如个人担保，公司担保，第三方担保等。预设 操作模式信息表示该项目标的对象的资金数值操作方式，预设操作团队信息表示操作该项目标的对象的团队的信息，比如基金公司名称、规模等。
当一个或多个已投资金对象对应了已开启续投预约锁定资金数值的标志位时，表示用户开通了自动续投且续投资金数值自动锁定的业务，此时数据处理服务器自动查找与一个或多个已投资金对象所对应的配置信息所匹配的投资项目对象，查找到时对应该用户标识而记录该查找到的投资项目对象。当查找到与该一个或多个已投资金对象对应的配置信息匹配的投资项目对象时，说明该投资项目对象满足用户预设设定的投资需求，记录该投资项目对象以在后续步骤中使用。
在一个实施例中，步骤204之后还包括：锁定表示已开启续投预约锁定资金数值的标志位和/或锁定配置信息。本实施例中，将一个或多个已投资金对象所对应的表示已开启续投预约锁定资金数值的标志位锁定，和/或将一个或多个已投资金对象所对应的预先设定的配置信息锁定，使该标志位和该配置信息不可被编辑。这样一方面可以防止用户随意改动这些设定使得据以进行的投资数据的处理出现差错，也可以防止该一个或多个已投资金对象所对应的设定被恶意修改，给用户造成损失。
步骤206，检测一个或多个已投资金对象所对应的资金回款事件，当检测到资金回款事件时，则自动优先将一个或多个已投资金对象所对应的回款资金数值转入记录的投资项目对象所对应的收款账户中。
数据处理服务器可实时或在约定的回款日检测该一个或多个已投资金对象所对应的资金回款事件，具体地可通过检测是否接收到银行服务器通过通信接口服务器发来的对应该一个或多个已投资金对象的到款通知来检测该一个或多个已投资金对象所对应的资金回款事件。
数据存储服务器上可记录该已记录的投资项目对象所对应的收款账户。该收款账户用于承受用户的投资金额数值，该收款账户可设置于账户管理服务器上，也可以设置于银行服务器上。当数据处理服务器检测到资金回款事件时，可通知账户管理服务器自动将一个或多个已投资金对象所对应的回款资金数值转入记录的投资项目对象所对应的收款账户中，实现了预设投资金额数值的自动续 投。其中，回款资金数值包括回款本金数值和回款利息数值。且转入时该对应已开启续投预约锁定资金数值的标志位的一个或多个已投资金对象所对应的回款资金数值，相比其它未对应已开启续投预约锁定资金数值的标志位的投资资金数值具有优先转入该收款账户的权限，以保证该用户标识一定能够投资成功，避免该用户标识对应的资金数值在互联网金融平台上大量累积造成的安全隐患。
步骤208，检测一个或多个已投资金对象所对应的资金回款事件，在检测到资金回款事件时，将一个或多个已投资金对象所对应的回款资金数值转入用户标识所对应的资金数值存储账户中。
当一个或多个已投资金对象未对应表示已开启续投预约锁定资金数值的标志位时，表示用户未开通续投资金数值锁定的功能，此时通知账户管理服务器，使账户管理服务器根据检测到的回款事件所产生的回款资金数值转入用户标识所对应的资金数值存储账户中。该资金数值存储账户用于存储资金数值，资金数值存储账户中存储的资金数值可用于表示闲置资金。账户管理服务器可接收用户通过用户终端发送的资金数值提现指令，从而账户管理服务器可从资金数值存储账户中提取出该资金数值提现指令所指定的资金数值，并将提取出的指定资金数值转入该资金数值提现指令所指定的银行资金数值账户，银行资金数值账户可存储于银行服务器上。
上述互联网金融平台账户资金数值处理方法，用户预先对应一个或多个已投资金对象设定了配置信息，当经判断一个或多个已投资金对象对应已开启续投预约锁定资金数值的标志位时，自动查找与一个或多个已投资金对象所对应的配置信息所匹配的投资项目对象并记录，该投资项目对象表示符合用户投资意愿的投资标的。当检测到资金回款事件时，自动将该一个或多个已投资金对象所对应的回款资金数值优先于其它未对应已开启续投预约锁定资金数值的标志位的投资资金数值，转入已经记录的投资项目对象所对应的收款账户中。而若一个或多个已投资金对象未对应已开启续投预约锁定资金数值的标志位，则在检测到资金回款事件时将该回款资金数值转入该用户标识所对应的资金数值存储账户中，仅存储该回款资金数值。这样高效地实现了自动续投，且互联网金融 平台上不会累积大量资金，被攻击时造成的损失小。
可以理解的是，本实施例的互联网金融平台账户资金数值处理方法不同于常规的资金续投，常规的资金续投仅可以实现将用户的账户余额进行续投，而本实施例则是将未到期的已投资金进行续投。而且可以设定本实施例的互联网金融平台账户资金数值处理方法的优先级高于账户余额续投的优先级，这样本实施例的互联网金融平台账户资金数值处理方法将优先于账户余额续投优先触发。
在一个实施例中，自动优先将一个或多个已投资金对象所对应的回款资金数值转入记录的投资项目对象所对应的收款账户中的步骤包括：自动将一个或多个已投资金对象所对应的回款资金数值转入用户标识所对应的续投账户中，并在记录的投资项目对象开启时自动优先将续投账户中的资金数值转入记录的投资项目对象所对应的收款账户中。
具体地，当检测到资金回款事件时，通知账户管理服务器，使账户管理服务器自动先将一个或多个已投资金对象所对应的回款资金数值转入该用户标识所对应的续投账户，当已经记录的投资项目对象开启时再自动将续投账户中的资金数值转入记录的投资项目对象所对应的收款账户中，且转入时具有优先于其它未对应已开启续投预约锁定资金数值的标志位的其它投资资金数值，转入收款账户的权限。其中投资项目对象开启是指该投资项目对象被激活，处于可接收转入的资金数值的状态。该续投账户用于当互联网金融平台上存在满足用户事先设定的投资项目对象时，指令账户管理服务器进行资金数值自动续投操作。续投账户中存储的资金数值在预设期限内处于锁定状态，处于锁定状态的资金数值不能被用户随意支取。本实施例中，当记录的投资项目对象未开启时，可以暂时将回款资金数值转入续投账户中，该续投账户不同于普通的资金数值存储账户，可以设定为锁定状态而不能被用户随意支取，以保证能够投中符合用户需求的投资项目对象。
在一个实施例中，步骤206之后还包括：标记续投账户中所转入的回款资金数值的支取状态为锁定状态，并设定锁定状态的维持时限为预设时长。
本实施例中，账户管理服务器在将回款资金数值转入续投账户后，将转入的回款资金数值的支取状态标记为锁定状态，且设定了锁定状态的维持时限为预设 时长。其中支取是指应用户请求进行资金数值的转移。这样支取状态为锁定状态的资金数值无法应用户请求自由转移，但不影响互联网金融平台使用续投账户中的资金数值进行自动续投。这样可以避免因资金数值自由支取而无法实现资金数值自动续投，而且处于锁定状态可以保证续投账户中资金数值的安全。再者，将资金数值锁定后，互联网金融平台的业务开发人员可以根据一个或多个已投资金对象所对应的预设配置信息来开发业务，以尽可能拟合用户的投资需求，增加与一个或多个已投资金对象所对应的预设配置信息匹配的投资项目对象存在的概率，从而使得资金数值自动续投的操作更加高效。
在一个实施例中，该互联网金融平台账户资金数值处理方法还包括：接收携带有待转移资金数值的续投资金数值转移请求；根据续投资金数值转移请求，从续投账户中减去待转移资金数值，并在资金数值存储账户中增加待转移资金数值。
在一个实施例中，账户管理服务器可在接收到携带有待转移资金数值的续投资金数值转移请求后，判断续投账户中未处于锁定状态的资金数值的总额是否大于等于待转移资金数值，若是则从续投账户中减去未处于锁定状态的待转移资金数值，并在资金数值存储账户中增加待转移资金数值；若否则无动作或者返回转移失败的反馈信息。
本实施例中，账户管理服务器可在接收到用户终端通过通信接口服务器发来的携带有待转移资金数值的续投资金数值转移请求后，比如用户在互联网金融平台提供的特定页面中输入并提交了待转移资金数值后，对续投资金数值转移请求中携带的用户标识和资金数值转移密码进行验证，验证通过后，从续投账户中减去待转移资金数值，然后在资金数值存储账户中增加待转移资金数值。这样实现了资金数值从续投账户到资金数值存储账户的转移。
如图3所示，在一个实施例中，该互联网金融平台账户资金数值处理方法还包括根据记录的投资项目对象的投资时长分配激励资金数值的步骤，具体包括以下步骤：
步骤302，获取记录的投资项目对象的投资时长。
具体地，数据处理服务器可从数据存储服务器中获取与一个或多个已投资金对 象所对应的预设配置信息匹配的投资项目对象的投资时长，该投资时长表示该投资项目对象需要占用续投账户中资金数值的总时长。
步骤304，根据预设的投资时长与激励比例的对应关系，获取上述获取的投资时长所对应的激励比例。
数据存储服务器上预先存储了投资时长与激励比例的对应关系，数据处理服务器可以据此获取上述投资项目对象的投资时长所对应的激励比例。激励比例的数值可以事先设定，比如0.15％、0.3％或0.45％等，投资时长与激励比例的对应关系可以是一个月对应0.15％、两个月对应0.3％以及三个月对应0.45％.
步骤306，根据转入收款账户的资金数值和获取的激励比例计算激励资金数值。
具体地，数据处理服务器可使用预设投资金额数值乘以上述获取的激励比例来计算激励资金数值。
步骤308，将激励资金数值转入资金数值存储账户或续投账户中。
具体地，数据处理服务器通知账户管理服务器将计算获得的激励资金数值转入上述续投账户或者上述资金数值存储账户中。在一个实施例中，账户管理服务器可每到预设时间点或者每隔预设时间间隔将激励资金数值转入续投账户或资金数值存储账户中，还可以当数据处理服务器检测到预设事件发生时，比如当上述投资项目对象审核通过时，通知账户管理服务器将激励资金数值转入续投账户或资金数值存储账户中。
本实施例中，根据投资项目对象的投资时长，通过向续投账户或资金数值存储账户中转入激励资金数值，以使得用户更愿意使用互联网金融平台所提供的续投业务，增加互联网金融平台运行续投业务的稳定性。
如图4所示，在一个实施例中，提供了一种互联网金融平台账户资金数值处理系统，该系统包括：判断模块402、投资项目对象查找模块404、资金回款事件检测模块406、第一资金数值转入模块408和第二资金数值转入模块410。
判断模块402，用于判断用户标识所对应的一个或多个已投资金对象是否对应表示已开启续投预约锁定资金数值的标志位。
用户通过用户终端在互联网金融平台上进行注册操作后可获得用户标识，并设 置该用于标识所对应的资金数值转移密码该用户标识用于唯一标识用户身份，可由字符组成。用户事先通过用户终端凭借该用户标识登录互联网金融平台后投资了某一项目标的，会按约定的周期收到回款。续投资金数值锁定是指将用户标识所对应的某一或全部投资项目的回款资金数值锁定，用户不能随意支取，该锁定的回款资金数值将自动优先用于续投符合预设条件的项目标的。
标志位可用于表示是否开通了某项功能，判断模块402用于判断用户标识所对应的一个或多个已投资金对象是否对应表示已开启续投预约锁定资金数值的标志位，就是判断用户是否对应该一个或多个已投资金对象开通了续投资金数值锁定的功能。具体地可用数值1来表示已开启续投预约锁定资金数值的标志位，同时可用非1的数值比如0来表示未开启续投资金数值锁定的标志位，并存储用户标识和标志位的对应关系，判断模块402可用于通过查找存储的一个或多个已投资金对象是否对应表示已开启续投预约锁定资金数值的标志位，来确定用户是否开通了续投预约锁定资金数值的功能，从而根据不同的判断结果来实现不同的功能。
投资项目对象查找模块404，用于若一个或多个已投资金对象对应表示已开启续投预约锁定资金数值的标志位，则自动查找到与一个或多个已投资金对象所对应的预先设定的配置信息所匹配的投资项目对象并记录。
预先设定的配置信息是用户在凭借用户标识登录互联网金融平台后设定的配置信息，可事先存储以在需要时取用。该配置信息用于表示用户希望继续投资的项目标的对象应当具有的属性。
在一个实施例中，一个或多个已投资金对象所对应的预设设定的配置信息包括预设投资金额数值、预设投资时长、预设回款周期、预设操作模式信息、预设操作团队信息、预设收益率、预设风险系数和预设担保信息中的至少一种。
当一个或多个已投资金对象对应了已开启续投预约锁定资金数值的标志位时，表示用户开通了自动续投且续投资金数值自动锁定的业务，此时投资项目对象查找模块404用于自动查找与一个或多个已投资金对象所对应的配置信息所匹配的投资项目对象，查找到时对应该一个或多个已投资金对象而记录该查找到的投资项目对象。当查找到与一个或多个已投资金对象对应的配置信息匹配的投 资项目对象时，说明该投资项目对象满足用户预设设定的投资需求，记录该投资项目对象以备其它模块使用。
在一个实施例中，该互联网金融平台账户资金数值处理系统还包括锁定模块412，用于锁定表示已开启续投预约锁定资金数值的标志位和/或锁定配置信息。本实施例中，锁定模块412用于将一个或多个已投资金对象所对应的表示已开启续投预约锁定资金数值的标志位锁定，和/或将一个或多个已投资金对象所对应的预先设定的配置信息锁定，使该标志位和该配置信息不可被编辑。这样一方面可以防止用户随意改动这些设定使得据以进行的投资数据的处理出现差错，也可以防止该一个或多个已投资金对象所对应的设定被恶意修改，给用户造成损失。
资金回款事件检测模块406，用于检测一个或多个已投资金对象所对应的资金回款事件。
具体地，资金回款事件检测模块406可用于实时或在约定的回款日检测该一个或多个已投资金对象所对应的资金回款事件，具体地可通过检测是否接收到银行服务器发来的对应该一个或多个已投资金对象的到款通知来检测该一个或多个已投资金对象所对应的资金回款事件。
第一资金数值转入模块408，用于若一个或多个已投资金对象对应表示已开启续投预约锁定资金数值的标志位，则在检测到资金回款事件时，自动优先将一个或多个已投资金对象所对应的回款资金数值转入记录的投资项目对象所对应的收款账户中。
事先可记录该已记录的投资项目对象所对应的收款账户，该收款账户用于承受用户的投资金额数值。当一个或多个已投资金对象对应表示已开启续投预约锁定资金数值的标志位时，第一资金数值转入模块408可用于自动将一个或多个已投资金对象所对应的回款资金数值转入记录的投资项目对象所对应的收款账户中，实现了预设投资金额数值的自动续投。其中，回款资金数值包括回款本金数值和回款利息数值。且转入时该对应已开启续投预约锁定资金数值的标志位的一个或多个已投资金对象所对应的回款资金数值，相比其它未对应已开启续投预约锁定资金数值的标志位的投资资金数值具有优先转入该收款账户的权限 ，以保证该用户标识一定能够投资成功，避免该用户标识对应的资金数值在互联网金融平台上大量累积造成的安全隐患。
第二资金数值转入模块410，用于若一个或多个已投资金对象不对应表示已开启续投预约锁定资金数值的标志位，则在检测到资金回款事件时，将一个或多个已投资金对象所对应的回款资金数值转入用户标识所对应的资金数值存储账户中。
当一个或多个已投资金对象未对应表示已开启续投预约锁定资金数值的标志位时，表示用户未开通续投资金数值锁定的功能，此时第二资金数值转入模块410用于根据检测到的回款事件所产生的回款资金数值转入用户标识所对应的资金数值存储账户中。该资金数值存储账户用于存储资金数值，资金数值存储账户中存储的资金数值可用于表示闲置资金。
上述互联网金融平台账户资金数值处理系统，用户预先对应一个或多个已投资金对象设定了配置信息，当经判断一个或多个已投资金对象对应已开启续投预约锁定资金数值的标志位时，自动查找与一个或多个已投资金对象所对应的配置信息所匹配的投资项目对象并记录，该投资项目对象表示符合用户投资意愿的投资标的。当检测到资金回款事件时，自动将该一个或多个已投资金对象所对应的回款资金数值优先于其它未对应已开启续投预约锁定资金数值的标志位的投资资金数值，转入已经记录的投资项目对象所对应的收款账户中。而若一个或多个已投资金对象未对应已开启续投预约锁定资金数值的标志位，则在检测到资金回款事件时将该回款资金数值转入该用户标识所对应的资金数值存储账户中，仅存储该回款资金数值。这样高效地实现了自动续投，且互联网金融平台上不会累积大量资金，被攻击时造成的损失小。
在一个实施例中，第一资金数值转入模块408还用于自动将一个或多个已投资金对象所对应的回款资金数值转入用户标识所对应的续投账户中，并在记录的投资项目对象开启时自动优先将续投账户中的资金数值转入记录的投资项目对象所对应的收款账户中。
具体地，当检测到资金回款事件时，第一资金数值转入模块408用于自动先将一个或多个已投资金对象所对应的回款资金数值转入该用户标识所对应的续投 账户，当已经记录的投资项目对象开启时再自动将续投账户中的资金数值转入记录的投资项目对象所对应的收款账户中，且转入时具有优先于其它未对应已开启续投预约锁定资金数值的标志位的其它投资资金数值，转入收款账户的权限。其中投资项目对象开启是指该投资项目对象被激活，处于可接收转入的资金数值的状态。该续投账户用于当互联网金融平台上存在满足用户事先设定的投资项目对象时，进行资金数值自动续投操作。续投账户中存储的资金数值在预设期限内处于锁定状态，处于锁定状态的资金数值不能被用户随意支取。本实施例中，当记录的投资项目对象未开启时，可以暂时将回款资金数值转入续投账户中，该续投账户不同于普通的资金数值存储账户，可以设定为锁定状态而不能被用户随意支取，以保证能够投中符合用户需求的投资项目对象。
在一个实施例中，锁定模块412还用于标记续投账户中所转入的回款资金数值的支取状态为锁定状态，并设定锁定状态的维持时限为预设时长。本实施例中，支取状态为锁定状态的资金数值无法应用户请求自由转移，但不影响互联网金融平台使用续投账户中的资金数值进行自动续投。这样可以避免因资金数值自由支取而无法实现资金数值自动续投，而且处于锁定状态可以保证续投账户中资金数值的安全。再者，将资金数值锁定后，互联网金融平台的业务开发人员可以根据用户标识所对应的预设配置信息来开发业务，以尽可能拟合用户的投资需求，增加与用户标识所对应的预设配置信息匹配的投资项目对象存在的概率，从而使得资金数值自动续投的操作更加高效。
在一个实施例中，该系统还包括资金数值转移模块(图中未示出)，用于接收用户终端发送的资金数值提现指令，从而可用于从资金数值存储账户中提取出该资金数值提现指令所指定的资金数值，并将提取出的指定资金数值转入该资金数值提现指令所指定的银行资金数值账户，银行资金数值账户可存储于银行服务器上。
在一个实施例中，该资金数值转移模块还用于接收携带有待转移资金数值的续投资金数值转移请求；根据续投资金数值转移请求，从续投账户中减去待转移资金数值，并在资金数值存储账户中增加待转移资金数值。在一个实施例中，该资金数值转移模块还用于在接收到携带有待转移资金数值的续投资金数值转 移请求后，判断续投账户中未处于锁定状态的资金数值的总额是否大于等于待转移资金数值，若是则从续投账户中减去未处于锁定状态的待转移资金数值，并在资金数值存储账户中增加待转移资金数值；若否则无动作或者返回转移失败的反馈信息。
本实施例中，资金数值转移模块用于在接收到携带有待转移资金数值的续投资金数值转移请求后，对续投资金数值转移请求中携带的用户标识和资金数值转移密码进行验证，验证通过后，从续投账户中减去待转移资金数值，然后在资金数值存储账户中增加待转移资金数值。这样实现了资金数值从续投账户到资金数值存储账户的转移。
在一个实施例中，该互联网金融平台账户资金数值处理系统还包括投资时长获取模块414、激励比例获取模块416、激励资金数值计算模块418和激励资金数值转入模块420。
投资时长获取模块414，用于获取记录的投资项目对象的投资时长。
具体地，投资时长获取模块414可用于获取存储的与一个或多个已投资金对象所对应的预设配置信息匹配的投资项目对象的投资时长，该投资时长表示该投资项目对象需要占用续投账户中资金数值的总时长。
激励比例获取模块416，用于根据预设的投资时长与激励比例的对应关系，获取上述获取的投资时长所对应的激励比例。
具体地，预先存储了投资时长与激励比例的对应关系，激励比例获取模块416可用于据此获取上述投资项目对象的投资时长所对应的激励比例。激励比例的数值可以事先设定，比如0.15％、0.3％或0.45％等，投资时长与激励比例的对应关系可以是一个月对应0.15％、两个月对应0.3％以及三个月对应0.45％.
激励资金数值计算模块418，用于根据转入收款账户的资金数值和获取的激励比例计算激励资金数值。
具体地，激励资金数值计算模块418可用于使用预设投资金额数值乘以上述获取的激励比例来计算激励资金数值。
激励资金数值转入模块420，用于将激励资金数值转入资金数值存储账户或续投账户中。
具体地，激励资金数值转入模块420可用于将计算获得的激励资金数值转入上述续投账户或者上述资金数值存储账户中。在一个实施例中，激励资金数值转入模块420可用于每到预设时间点或者每隔预设时间间隔将激励资金数值转入续投账户或资金数值存储账户中，还可以用于当检测到预设事件发生时，比如当上述投资项目对象审核通过时，将激励资金数值转入续投账户或资金数值存储账户中。
本实施例中，根据投资项目对象的投资时长，通过向续投账户或资金数值存储账户中转入激励资金数值，以使得用户更愿意使用互联网金融平台所提供的续投业务，增加互联网金融平台运行续投业务的稳定性。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机程序来指令相关的硬件来完成，所述的程序可存储于一计算机可读取存储介质中，该程序在执行时，可包括如上述各方法的实施例的流程。其中，所述的存储介质可为磁碟、光盘、只读存储记忆体(Read-Only Memory，ROM)或随机存储记忆体(Random Access Memory，RAM)等。
以上所述实施例仅表达了本发明的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对本发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本发明构思的前提下，还可以做出若干变形和改进，这些都属于本发明的保护范围。因此，本发明专利的保护范围应以所附权利要求为准。

Claims (20)

  1. 一种互联网金融平台账户资金数值处理方法，所述方法包括：
    判断用户标识所对应的一个或多个已投资金对象是否对应表示已开启续投预约锁定资金数值的标志位，若是，则
    自动查找到与所述一个或多个已投资金对象所对应的预先设定的配置信息所匹配的投资项目对象并记录；
    检测所述一个或多个已投资金对象所对应的资金回款事件，当检测到资金回款事件时，则自动优先将所述一个或多个已投资金对象所对应的回款资金数值转入所述记录的投资项目对象所对应的收款账户中；
    若否，则检测所述一个或多个已投资金对象所对应的资金回款事件，在检测到资金回款事件时，将所述一个或多个已投资金对象所对应的回款资金数值转入所述用户标识所对应的资金数值存储账户中。
  2. 根据权利要求1所述的方法，其特征在于，所述自动查找到与所述一个或多个已投资金对象所对应的预先设定的配置信息匹配的投资项目对象并记录之后，还包括：
    锁定所述表示已开启续投预约锁定资金数值的标志位和/或锁定所述配置信息。
  3. 根据权利要求1所述的方法，其特征在于，所述配置信息包括预设投资时长、预设回款周期、预设操作模式信息、预设操作团队信息、预设收益率、预设风险系数和预设担保信息中的至少一种。
  4. 根据权利要求1所述的方法，其特征在于，所述自动优先将所述一个或多个已投资金对象所对应的回款资金数值转入所述记录的投资项目对象所对应的收款账户中，包括：
    自动将所述一个或多个已投资金对象所对应的回款资金数值转入所述用户标识所对应的续投账户中，并在所述记录的投资项目对象开启时自动优先将所述续投账户中的资金数值转入所述记录的 投资项目对象所对应的收款账户中。
  5. 根据权利要求1所述的方法，其特征在于，所述方法还包括：获取所述记录的投资项目对象的投资时长；
    根据预设的投资时长与激励比例的对应关系，获取所述获取的投资时长所对应的激励比例；
    根据转入所述收款账户的资金数值和所述获取的激励比例计算激励资金数值；
    将所述激励资金数值转入所述资金数值存储账户或所述续投账户中。
  6. 根据权利要求4所述的方法，其特征在于，所述续投账户中存储的资金数值在预设期限内处于锁定状态。
  7. 根据权利要求6所述的方法，其特征在于，所述方法还包括：接收携带有待转移资金数值的续投资金数值转移请求；
    根据续投资金数值转移请求，从续投账户中减去待转移资金数值，并在资金数值存储账户中增加待转移资金数值。
  8. 根据权利要求7所述的方法，其特征在于，所述接收携带有待转移资金数值的续投资金数值转移请求之后，还包括：
    判断续投账户中未处于锁定状态的资金数值的总额是否大于等于待转移资金数值，
    若是则执行所述根据续投资金数值转移请求，从续投账户中减去待转移资金数值，并在资金数值存储账户中增加待转移资金数值的步骤；
    若否则无动作或者返回转移失败的反馈信息。
  9. 一种互联网金融平台账户资金数值处理系统，其特征在于，所述系统包括：
    判断模块，用于判断用户标识所对应的一个或多个已投资金对象是否对应表示已开启续投预约锁定资金数值的标志位；
    投资项目对象查找模块，用于若所述一个或多个已投资金对象对 应表示已开启续投预约锁定资金数值的标志位，则自动查找到与所述一个或多个已投资金对象所对应的预先设定的配置信息所匹配的投资项目对象并记录；
    资金回款事件检测模块，用于检测所述一个或多个已投资金对象所对应的资金回款事件；
    第一资金数值转入模块，用于若所述一个或多个已投资金对象对应表示已开启续投预约锁定资金数值的标志位，则在检测到资金回款事件时，自动优先将所述一个或多个已投资金对象所对应的回款资金数值转入所述记录的投资项目对象所对应的收款账户中；
    第二资金数值转入模块，用于若所述一个或多个已投资金对象不对应表示已开启续投预约锁定资金数值的标志位，则在检测到资金回款事件时，将所述一个或多个已投资金对象所对应的回款资金数值转入所述用户标识所对应的资金数值存储账户中。
  10. 根据权利要求9所述的系统，其特征在于，所述系统还包括锁定模块，用于锁定所述表示已开启续投预约锁定资金数值的标志位和/或锁定所述配置信息。
  11. 根据权利要求9所述的系统，其特征在于，所述配置信息包括预设投资时长、预设回款周期、预设操作模式信息、预设操作团队信息、预设收益率、预设风险系数和预设担保信息中的至少一种。
  12. 根据权利要求9所述的系统，其特征在于，所述第一资金数值转入模块还用于自动将所述一个或多个已投资金对象所对应的回款资金数值转入所述用户标识所对应的续投账户中，并在所述记录的投资项目对象开启时自动优先将所述续投账户中的资金数值转入所述记录的投资项目对象所对应的收款账户中。
  13. 根据权利要求9所述的系统，其特征在于，所述系统还包括：
    投资时长获取模块，用于获取所述记录的投资项目对象的投资时长；
    激励比例获取模块，用于根据预设的投资时长与激励比例的对应关系，获取所述获取的投资时长所对应的激励比例；
    激励资金数值计算模块，用于根据转入所述收款账户的资金数值和所述获取的激励比例计算激励资金数值；
    激励资金数值转入模块，用于将所述激励资金数值转入所述资金数值存储账户或所述续投账户中。
  14. 根据权利要求12所述的系统，其特征在于，所述续投账户中存储的资金数值在预设期限内处于锁定状态。
  15. 根据权利要求14所述的系统，其特征在于，所述系统还包括资金数值转移模块，用于接收携带有待转移资金数值的续投资金数值转移请求；根据续投资金数值转移请求，从续投账户中减去待转移资金数值，并在资金数值存储账户中增加待转移资金数值。
  16. 根据权利要求15所述的系统，其特征在于，所述资金数值转移模块还用于在接收到所述续投资金数值转移请求后，判断续投账户中未处于锁定状态的资金数值的总额是否大于等于待转移资金数值，若是则执行根据续投资金数值转移请求，从续投账户中减去待转移资金数值，并在资金数值存储账户中增加待转移资金数值；若否则无动作或者返回转移失败的反馈信息。
  17. 一个或多个包含计算机可执行指令的非易失性计算机存储介质，其特征在于，所述计算机可执行指令用于执行一种互联网金融平台账户资金数值处理方法，所述方法包括以下步骤：
    判断用户标识所对应的一个或多个已投资金对象是否对应表示已开启续投预约锁定资金数值的标志位，若是，则
    自动查找到与所述一个或多个已投资金对象所对应的预先设定的配置信息所匹配的投资项目对象并记录；
    检测所述一个或多个已投资金对象所对应的资金回款事件，当检测到资金回款事件时，则自动优先将所述一个或多个已投资金对象所对应的回款资金数值转入所述记录的投资项目对象所对应的 收款账户中；
    若否，则检测所述一个或多个已投资金对象所对应的资金回款事件，在检测到资金回款事件时，将所述一个或多个已投资金对象所对应的回款资金数值转入所述用户标识所对应的资金数值存储账户中。
  18. 根据权利要求17所述的非易失性计算机存储介质，其特征在于，所述自动查找到与所述一个或多个已投资金对象所对应的预先设定的配置信息匹配的投资项目对象并记录之后，还包括：
    锁定所述表示已开启续投预约锁定资金数值的标志位和/或锁定所述配置信息。
  19. 根据权利要求17所述的非易失性计算机存储介质，其特征在于，所述配置信息包括预设投资时长、预设回款周期、预设操作模式信息、预设操作团队信息、预设收益率、预设风险系数和预设担保信息中的至少一种。
  20. 根据权利要求17所述的非易失性计算机存储介质，其特征在于，所述自动优先将所述一个或多个已投资金对象所对应的回款资金数值转入所述记录的投资项目对象所对应的收款账户中，包括：
    自动将所述一个或多个已投资金对象所对应的回款资金数值转入所述用户标识所对应的续投账户中，并在所述记录的投资项目对象开启时自动优先将所述续投账户中的资金数值转入所述记录的投资项目对象所对应的收款账户中。
PCT/CN2015/070474 2014-05-08 2015-01-09 互联网金融平台账户资金数值处理方法、系统及存储介质 WO2015169106A1 (zh)

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