WO2017128394A1 - Method of acquiring data on automatic management of assets, and intelligent investment notification system - Google Patents
Method of acquiring data on automatic management of assets, and intelligent investment notification system Download PDFInfo
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- WO2017128394A1 WO2017128394A1 PCT/CN2016/072964 CN2016072964W WO2017128394A1 WO 2017128394 A1 WO2017128394 A1 WO 2017128394A1 CN 2016072964 W CN2016072964 W CN 2016072964W WO 2017128394 A1 WO2017128394 A1 WO 2017128394A1
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- the invention belongs to the field of internet finance, and provides a data collection method and an intelligent investment reminding system for automatically managing account capital technology.
- the number of invention patents applied by OPPO in 2014 was 938, while the number of invention patents of Tencent in the same period was 1,447.
- the inventions of the two companies about 80% of the total number of invention patents related to user experience and direct user operations.
- similar patent applications, including other companies based on user experience are also of a large order of magnitude, such as Huawei.
- the patent application process and the post-authorization maintenance process will generate human and financial costs: such as replying to review opinions, paying license fees, etc., for core technologies (such as CDMA underlying technology) or market identification.
- core technologies such as CDMA underlying technology
- market identification For relatively high-tech technologies (such as sliding unlocking), the related costs are negligible, and the investment in these technologies is worthwhile, but such technologies are a minority after all, and more technologies have been verified by the market. The user's pain points or itch points cannot be touched, and the patent investment in these technologies is likely to cause cost waste.
- the embodiment of the invention provides a data collection method for automatically managing account fund technology and an intelligent investment prompting system, which can match the balance of the user account funds with the account fund amount set by the user, so that the system can timely find out whether the user has sufficient Funding for financial management, and then adjust asset allocation to maximize revenue, while timely feedback through the use of technology, it is also convenient for manufacturers to collect relevant technology in a timely and effective manner.
- the present invention is implemented as follows: a data collection method for automatically managing account funds technology, comprising the following steps:
- the user is prompted to perform asset management information, and the technical usage data is sent to the data collection terminal preset by the manufacturer.
- the embodiment of the invention further provides an intelligent investment prompting system, comprising:
- a recording unit configured to record account asset quota information and current account quota information set by the user
- a reading unit connected to the output end of the recording unit, for reading the account asset quota information set by the user and the current account quota information
- the judging unit is connected to the output end of the reading unit, and is configured to determine whether the current account quota is higher than an account asset quota set by the user;
- the control unit is connected to the output end of the judging unit, and if the current account quota is higher than the account asset quota set by the user, the user is prompted to perform asset management information;
- the data sending unit is connected to the output end of the control unit, and is configured to send the technical use data to the data collection end preset by the manufacturer.
- the invention enables the system to timely discover whether the user has sufficient funds for financial management, thereby adjusting the asset allocation to maximize the benefits, and at the same time, by using the technology in time. Feedback also facilitates the timely and effective collection of relevant technologies by manufacturers.
- FIG. 1 is a schematic flowchart of a method for matching asset management according to an account fund quota according to an embodiment of the present invention
- FIG. 2 is a schematic structural diagram of an intelligent investment prompting system according to an embodiment of the present invention.
- figure 1 It is a schematic flowchart of a method for matching asset management according to account fund quota provided by the embodiment of the present invention. For the convenience of description, only parts related to the embodiment of the present invention are shown.
- step S101 the account asset quota information set by the user and the current account credit information are recorded.
- step S102 the account asset quota information and the current account credit information set by the user are read and recorded.
- step S103 it is determined whether the current account quota is higher than the account asset quota set by the user; if not, proceed to step S104. It is considered that the user does not meet the requirements for asset management, and does not issue information prompting the user to perform asset management; if yes, proceed to step S105. Sending information prompting the user to perform asset management, and sending technical usage data to the data collection terminal preset by the manufacturer.
- the technology uses data for the user to use the data of the technology, that is, the data generated when the method completes the first few steps, the data includes the number of times the user uses the technology (eg, the first time using the technology within a certain period of time) Technology); the specific time point of using the technology; the user's related operations before and after using the technology can help the technology provider to better evaluate the market value of the technology, and better improve the technical data according to the feedback.
- the invention enables the system to timely discover whether the user has sufficient funds for financial management, thereby adjusting the asset allocation to maximize the benefits, and at the same time, by using the technology in time. Feedback also facilitates the timely and effective collection of relevant technologies by manufacturers.
- FIG. 2 is a schematic structural diagram of an intelligent investment prompting system according to an embodiment of the present invention, where the smart investment prompting system includes:
- the recording unit 21, the reading unit 22, the judging unit 23, the regulating unit 24, and the data transmitting unit 25 among them
- the recording unit 21 is configured to record account asset quota information and current account quota information set by the user;
- Reading unit 22, and recording unit 21 The output ends are connected to read user account asset quota information and current account quota information;
- Judging unit 23, and reading unit 22 The output ends are connected to determine whether the current account quota is higher than the account asset quota set by the user;
- Control unit 24, and judgment unit 23 The output ends are connected, and if the current account quota is higher than the account asset quota set by the user, the user is prompted to perform asset management information;
- Data transmitting unit 25, and control unit 24 The output connection is used to send technical usage data to the data acquisition terminal preset by the manufacturer.
- the working principle is: the recording unit 21 records the account asset quota information set by the user and the current account quota information; the reading unit 22 Reading the account asset quota information and the current account quota information set by the user; the determining unit 23 determines whether the current account quota is higher than the account asset quota set by the user; the control unit 24 When the current account quota is higher than the account asset quota set by the user, the user is prompted to perform asset management information, and the data sending unit 25 sends the technical usage data to the data collection terminal preset by the manufacturer.
- the invention enables the system to timely discover whether the user has sufficient funds for financial management, thereby adjusting the asset allocation to maximize the benefits, and at the same time, by using the technology in time. Feedback also facilitates the timely and effective collection of relevant technologies by manufacturers.
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Abstract
A method of acquiring data on automatic management of assets, and an intelligent investment notification system. The method comprises: recording account asset amount information as set by a customer and current account amount information (S101); reading the current account amount information set by the customer and the current account amount information (S102); determining whether the current account amount information exceeds an account asset amount set by the customer (S103); if not, determining that a requirement for the customer to manage assets is not met, and not providing information notifying the customer to manage the assets (S104); and if so, providing the information notifying the customer to manage the assets, and transmitting, to a data acquisition terminal preconfigured by a manufacturer, technology usage data (S105). The method and system relate to the field of Internet finance, and can timely determine whether a customer has sufficient funds for investment by matching the remaining amount in a customer account with an account fund amount preset by the customer, and therefore, the system can timely determine whether the customer has sufficient funds for fund management, thereby facilitating asset positioning, realizing maximum return, and facilitating the manufacturer to timely and effective acquire usage condition of the related technology by means of rapid feedback upon using the technology.
Description
本发明属于互联网金融 领域 ，提供了一种自动管理账户资金技术的数据采集方法及智能投资提示系统。 The invention belongs to the field of internet finance, and provides a data collection method and an intelligent investment reminding system for automatically managing account capital technology.
现在企业申请的专利数量越来越多，而且将专利用在市场上、产品中的情形也越来越多。 Nowadays, the number of patents applied by enterprises is increasing, and the use of patents in the market and products is increasing.
根据国家知识产权的数据库显示，OPPO公司在2014年申请的发明专利数为938个，而同期的腾讯公司的发明专利数为1447个。这两家公司的发明中，有关于用户体验和用户直接操作相关的发明专利约占总数的80%左右。当然包括其他以用户体验为主的公司的类似专利申请也是具有很大的数量级，比如小米公司等。
According to the national intellectual property database, the number of invention patents applied by OPPO in 2014 was 938, while the number of invention patents of Tencent in the same period was 1,447. Among the inventions of the two companies, about 80% of the total number of invention patents related to user experience and direct user operations. Of course, similar patent applications, including other companies based on user experience, are also of a large order of magnitude, such as Xiaomi.
考虑到技术使用的同时，专利的申请过程和授权后的维护过程都会产生人力、财力上的成本：如答复审查意见、缴纳授权费等，对于核心技术（如：CDMA的底层技术）或市场认同度比较高的技术（如：滑动解锁）而言，那么相关成本就可以忽略不计，对于这些技术的投入是值得的，但这类技术毕竟是少数，更多的技术经过市场验证后，其实并不能触及用户的痛点或痒点，而对这些技术的专利投入，就容易造成成本的浪费。
Considering the use of technology, the patent application process and the post-authorization maintenance process will generate human and financial costs: such as replying to review opinions, paying license fees, etc., for core technologies (such as CDMA underlying technology) or market identification. For relatively high-tech technologies (such as sliding unlocking), the related costs are negligible, and the investment in these technologies is worthwhile, but such technologies are a minority after all, and more technologies have been verified by the market. The user's pain points or itch points cannot be touched, and the patent investment in these technologies is likely to cause cost waste.
所以需要有一种方法能够通过实在的数据，及时评估相关技术的市场接受度或价值，同时，为了使得本人的上一个申请《 根据账户资金额度匹配资产管理的方法
》中的相关技术得到及时评估，特提出一种技术使用数据的采集/发送的方法。
Therefore, there is a need for a method to timely assess the market acceptance or value of related technologies through real data, and at the same time, in order to make my last application, "matching asset management according to the amount of account funds."
The related technology in the paper is evaluated in time, and a method for collecting/sending data using technology is proposed.
本发明实施例提供了一种自动管理账户资金技术的数据采集方法及智能投资提示系统，能够通过将用户账户资金余额与用户设定的账户资金额度相匹配，让系统能够及时发现用户是否有充足资金进行理财，进而调节资产配置，实现最大化收益，同时，通过使用技术后的及时反馈，也方便厂家及时有效的采集相关技术的使用情况。
The embodiment of the invention provides a data collection method for automatically managing account fund technology and an intelligent investment prompting system, which can match the balance of the user account funds with the account fund amount set by the user, so that the system can timely find out whether the user has sufficient Funding for financial management, and then adjust asset allocation to maximize revenue, while timely feedback through the use of technology, it is also convenient for manufacturers to collect relevant technology in a timely and effective manner.
本发明是这样实现的：一种自动管理账户资金技术的数据采集方法，包括以下步骤： The present invention is implemented as follows: a data collection method for automatically managing account funds technology, comprising the following steps:
记录用户设定的账户资产额度信息和当前账户额度信息； Recording account asset quota information and current account quota information set by the user;
读取用户设定的账户资产额度信息和当前账户额度信息； Reading user account asset quota information and current account quota information;
判断当前账户额度是否高于用户设定的账户资产额度； Determine whether the current account quota is higher than the account asset quota set by the user;
若否，视为未达到用户进行资产管理的要求，不发出提示用户进行资产管理的信息； If not, it is deemed that the user has not met the requirements for asset management, and does not issue information prompting the user to conduct asset management;
若是，发出提示用户进行资产管理的信息，并向厂家预设的数据采集端发送技术使用数据。 If yes, the user is prompted to perform asset management information, and the technical usage data is sent to the data collection terminal preset by the manufacturer.
本发明实施例还提供了一种智能投资提示系统，包括： The embodiment of the invention further provides an intelligent investment prompting system, comprising:
记录单元，用于记录用户设定的账户资产额度信息和当前账户额度信息； a recording unit, configured to record account asset quota information and current account quota information set by the user;
读取单元，与记录单元的输出端相连接，用于读取用户设定的账户资产额度信息和当前账户额度信息； a reading unit, connected to the output end of the recording unit, for reading the account asset quota information set by the user and the current account quota information;
判断单元，与读取单元的输出端相连接，用于判断当前账户额度是否高于用户设定的账户资产额度； The judging unit is connected to the output end of the reading unit, and is configured to determine whether the current account quota is higher than an account asset quota set by the user;
调控单元，与判断单元的输出端相连接，若当前账户额度高于用户设定的账户资产额度，则发出提示用户进行资产管理的信息；
The control unit is connected to the output end of the judging unit, and if the current account quota is higher than the account asset quota set by the user, the user is prompted to perform asset management information;
数据发送单元，与调控单元的输出端连接，用于向厂家预设的数据采集端发送技术使用数据。 The data sending unit is connected to the output end of the control unit, and is configured to send the technical use data to the data collection end preset by the manufacturer.
该发明通过将用户账户资金余额与用户设定的账户资金额度相匹配，让系统能够及时发现用户是否有充足资金进行理财，进而调节资产配置，实现最大化收益，同时，通过使用技术后的及时反馈，也方便厂家及时有效的采集相关技术的使用情况。
By matching the balance of the user account funds with the amount of account funds set by the user, the invention enables the system to timely discover whether the user has sufficient funds for financial management, thereby adjusting the asset allocation to maximize the benefits, and at the same time, by using the technology in time. Feedback also facilitates the timely and effective collection of relevant technologies by manufacturers.
图 1 是本发明实施例提供的一种根据账户资金额度匹配资产管理方法 的流程示意图 ； 1 is a schematic flowchart of a method for matching asset management according to an account fund quota according to an embodiment of the present invention;
图 2 是本发明实施例提供的智能投资提示系统的结构示意图。 FIG. 2 is a schematic structural diagram of an intelligent investment prompting system according to an embodiment of the present invention.
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。
The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
图 1
是发明实施例提供的一种根据账户资金额度匹配资产管理方法的流程示意图，为了便于说明，只示出了与本发明实施例相关的部分。 figure 1
It is a schematic flowchart of a method for matching asset management according to account fund quota provided by the embodiment of the present invention. For the convenience of description, only parts related to the embodiment of the present invention are shown.
在步骤 S101 中，记录用户设定的账户资产额度信息和当前账户额度信息。 In step S101, the account asset quota information set by the user and the current account credit information are recorded.
记录用户设定的账户资产额度信息，需要先对该用户进行理财测试，这一测试主要考察两个方面，一是用户的风险偏好，以决定其设定额度的大小，二是考察其日常开销，保证可以随时使用的资金不会影响到其正常生活。
Recording the account asset quota information set by the user, you need to first conduct financial test on the user. This test mainly examines two aspects, one is the user's risk preference to determine the size of the set amount, and the other is to examine its daily expenses. To ensure that funds that can be used at any time will not affect their normal life.
在步骤 S102 中，读取记录用户设定的账户资产额度信息和当前账户额度信息。 In step S102, the account asset quota information and the current account credit information set by the user are read and recorded.
在步骤 S103 中，判断当前账户额度是否高于用户设定的账户资产额度；若否，进入步骤 S104
，视为未达到用户进行资产管理的要求，不发出提示用户进行资产管理的信息；若是，进入步骤 S105
，发出提示用户进行资产管理的信息，并向厂家预设的数据采集端发送技术使用数据。 In step S103, it is determined whether the current account quota is higher than the account asset quota set by the user; if not, proceed to step S104.
It is considered that the user does not meet the requirements for asset management, and does not issue information prompting the user to perform asset management; if yes, proceed to step S105.
Sending information prompting the user to perform asset management, and sending technical usage data to the data collection terminal preset by the manufacturer.
所述技术使用数据为用户使用该技术的数据，即所述方法走完前几个步骤时产生的数据，所述数据包括用户使用该技术的次数（如在一定时间内是第几次使用该技术）；使用该技术的具体时间点；使用该技术前后用户的相关操作等有助于技术提供方更好的评价技术的市场价值，并根据所述反馈更好的改进技术的数据。
The technology uses data for the user to use the data of the technology, that is, the data generated when the method completes the first few steps, the data includes the number of times the user uses the technology (eg, the first time using the technology within a certain period of time) Technology); the specific time point of using the technology; the user's related operations before and after using the technology can help the technology provider to better evaluate the market value of the technology, and better improve the technical data according to the feedback.
该发明通过将用户账户资金余额与用户设定的账户资金额度相匹配，让系统能够及时发现用户是否有充足资金进行理财，进而调节资产配置，实现最大化收益，同时，通过使用技术后的及时反馈，也方便厂家及时有效的采集相关技术的使用情况。
By matching the balance of the user account funds with the amount of account funds set by the user, the invention enables the system to timely discover whether the user has sufficient funds for financial management, thereby adjusting the asset allocation to maximize the benefits, and at the same time, by using the technology in time. Feedback also facilitates the timely and effective collection of relevant technologies by manufacturers.
图 2 是本发明实施例提供的一种智能投资提示系统的结构示意图，该智能投资提示系统包括： FIG. 2 is a schematic structural diagram of an intelligent investment prompting system according to an embodiment of the present invention, where the smart investment prompting system includes:
记录单元 21 ，读取单元 22 ，判断单元 23 ，调控单元 24 ，数据发送单元 25
，其中 The recording unit 21, the reading unit 22, the judging unit 23, the regulating unit 24, and the data transmitting unit 25
,among them
记录单元 21 ，用于记录用户设定的账户资产额度信息和当前账户额度信息； The recording unit 21 is configured to record account asset quota information and current account quota information set by the user;
读取单元 22 ，与记录单元 21
的输出端相连接，用于读取用户设定的账户资产额度信息和当前账户额度信息； Reading unit 22, and recording unit 21
The output ends are connected to read user account asset quota information and current account quota information;
判断单元 23 ，与读取单元 22
的输出端相连接，用于判断当前账户额度是否高于用户设定的账户资产额度； Judging unit 23, and reading unit 22
The output ends are connected to determine whether the current account quota is higher than the account asset quota set by the user;
调控单元 24 ，与判断单元 23
的输出端相连接，若当前账户额度高于用户设定的账户资产额度，则发出提示用户进行资产管理的信息； Control unit 24, and judgment unit 23
The output ends are connected, and if the current account quota is higher than the account asset quota set by the user, the user is prompted to perform asset management information;
数据发送单元 25 ，与调控单元 24
的输出端连接，用于向厂家预设的数据采集端发送技术使用数据。 Data transmitting unit 25, and control unit 24
The output connection is used to send technical usage data to the data acquisition terminal preset by the manufacturer.
其工作原理是：记录单元 21 记录用户设定的账户资产额度信息和当前账户额度信息；读取单元 22
读取用户设定的账户资产额度信息和当前账户额度信息；判断单元 23 判断当前账户额度是否高于用户设定的账户资产额度；调控单元 24
在当前账户额度高于用户设定的账户资产额度，发出提示用户进行资产管理的信息，同时，数据发送单元 25 向厂家预设的数据采集端发送技术使用数据。 The working principle is: the recording unit 21 records the account asset quota information set by the user and the current account quota information; the reading unit 22
Reading the account asset quota information and the current account quota information set by the user; the determining unit 23 determines whether the current account quota is higher than the account asset quota set by the user; the control unit 24
When the current account quota is higher than the account asset quota set by the user, the user is prompted to perform asset management information, and the data sending unit 25 sends the technical usage data to the data collection terminal preset by the manufacturer.
该发明通过将用户账户资金余额与用户设定的账户资金额度相匹配，让系统能够及时发现用户是否有充足资金进行理财，进而调节资产配置，实现最大化收益，同时，通过使用技术后的及时反馈，也方便厂家及时有效的采集相关技术的使用情况。
By matching the balance of the user account funds with the amount of account funds set by the user, the invention enables the system to timely discover whether the user has sufficient funds for financial management, thereby adjusting the asset allocation to maximize the benefits, and at the same time, by using the technology in time. Feedback also facilitates the timely and effective collection of relevant technologies by manufacturers.
以上仅为本发明的较佳实施例而已，并不用以限制本发明，凡在本发明的精神和原则之内所作的任何修改、等同替换和改进等，均应包含在本发明的保护范围之内。
The above are only the preferred embodiments of the present invention, and are not intended to limit the present invention. Any modifications, equivalents, and improvements made within the spirit and scope of the present invention should be included in the scope of the present invention. Inside.
Claims (2)
- 一种自动管理账户资金技术的数据采集方法，其特征在于，所述方法包括如下步骤： A data collection method for automatically managing account funds technology, characterized in that the method comprises the following steps:记录用户设定的账户资产额度信息和当前账户额度信息；Recording account asset quota information and current account quota information set by the user;读取用户设定的账户资产额度信息和当前账户额度信息；Reading user account asset quota information and current account quota information;判断当前账户额度是否高于用户设定的账户资产额度；Determine whether the current account quota is higher than the account asset quota set by the user;若否，视为未达到用户进行资产管理的要求，不发出提示用户进行资产管理的信息；If not, it is deemed that the user has not met the requirements for asset management, and does not issue information prompting the user to conduct asset management;若是，发出提示用户进行资产管理的信息，并向厂家预设的数据采集端发送技术使用数据。If yes, the user is prompted to perform asset management information, and the technical usage data is sent to the data collection terminal preset by the manufacturer.
- 一种智能投资提示系统，其特征在于，所述智能投资提示系统包括：An intelligent investment prompting system, characterized in that the intelligent investment prompting system comprises:记录单元，用于记录用户设定的账户资产额度信息和当前账户额度信息；a recording unit, configured to record account asset quota information and current account quota information set by the user;读取单元，与记录单元的输出端相连接，用于读取用户设定的账户资产额度信息和当前账户额度信息；a reading unit, connected to the output end of the recording unit, for reading the account asset quota information set by the user and the current account quota information;判断单元，与读取单元的输出端相连接，用于判断当前账户额度是否高于用户设定的账户资产额度；The judging unit is connected to the output end of the reading unit, and is configured to determine whether the current account quota is higher than an account asset quota set by the user;调控单元，与判断单元的输出端相连接，若当前账户额度高于用户设定的账户资产额度，则发出提示用户进行资产管理的信息；The control unit is connected to the output end of the judging unit, and if the current account quota is higher than the account asset quota set by the user, the user is prompted to perform asset management information;数据发送单元，与调控单元的输出端连接，用于向厂家预设的数据采集端发送技术使用数据。The data sending unit is connected to the output end of the control unit, and is configured to send the technical use data to the data collection end preset by the manufacturer.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2016/072964 WO2017128394A1 (en) | 2016-01-30 | 2016-01-30 | Method of acquiring data on automatic management of assets, and intelligent investment notification system |
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| PCT/CN2016/072964 WO2017128394A1 (en) | 2016-01-30 | 2016-01-30 | Method of acquiring data on automatic management of assets, and intelligent investment notification system |
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| US20140324694A1 (en) * | 2013-04-26 | 2014-10-30 | Quisk, Inc. | Restricting Transfer of Funds from Electronic Financial Account |
| CN105260938A (en) * | 2015-10-28 | 2016-01-20 | 平安科技（深圳）有限公司 | Intelligent financial management method and device |
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- 2016-01-30 WO PCT/CN2016/072964 patent/WO2017128394A1/en active Application Filing
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101344947A (en) * | 2007-07-10 | 2009-01-14 | 蒋建河 | Deposit and debit separated on-line financing method and system |
| US20140324694A1 (en) * | 2013-04-26 | 2014-10-30 | Quisk, Inc. | Restricting Transfer of Funds from Electronic Financial Account |
| CN105260938A (en) * | 2015-10-28 | 2016-01-20 | 平安科技（深圳）有限公司 | Intelligent financial management method and device |
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