WO2019104874A1 - Procédé d'achat de produit financier, appareil et dispositif, et support d'informations lisible - Google Patents

Procédé d'achat de produit financier, appareil et dispositif, et support d'informations lisible Download PDF

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Publication number
WO2019104874A1
WO2019104874A1 PCT/CN2018/075661 CN2018075661W WO2019104874A1 WO 2019104874 A1 WO2019104874 A1 WO 2019104874A1 CN 2018075661 W CN2018075661 W CN 2018075661W WO 2019104874 A1 WO2019104874 A1 WO 2019104874A1
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Prior art keywords
wealth management
management product
target
product
wealth
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PCT/CN2018/075661
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English (en)
Chinese (zh)
Inventor
郑俊君
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深圳壹账通智能科技有限公司
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Publication of WO2019104874A1 publication Critical patent/WO2019104874A1/fr

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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 application relates to the field of computer technology, and in particular, to a method, an apparatus, a device, and a readable storage medium for purchasing a wealth management product.
  • the investment methods of wealth management products include regular fixed investment, current fixed investment, etc.
  • the existing wealth management product account system Generally, only one designated wealth management product is supported, and funds for multiple wealth management products cannot be mutually exchanged. Due to different investment returns of different wealth management products, wealth management products cannot be mutually transferred to a certain extent, reducing the user's income.
  • the main purpose of the present application is to provide a method, device, device and readable storage medium for purchasing a wealth management product, which aims to solve the technical problem that the financial products purchased by the payment account cannot be replaced at any time in the prior art, resulting in a decrease in the income of the investor. .
  • the present application provides a method for purchasing a wealth management product, and the method for purchasing a wealth management product includes:
  • the funds of the other current type wealth management products other than the target wealth management products are flowed into the target wealth management products.
  • the step of flowing funds of other current-type wealth management products other than the target wealth management product into the target wealth management product includes:
  • the first liquidity is repurchased to the target wealth management product to obtain a profit.
  • the step of flowing funds of other current-type wealth management products other than the target wealth management product into the target wealth management product includes:
  • the step of monitoring the daily profit rate of the current type wealth management product to determine the target profitable product with the highest daily profit rate includes:
  • the target wealth management product is a wealth management product trusted by the user end, determining whether the real-time daily profit rate of the target wealth management product is greater than a first preset value
  • the step of flowing the second liquidity to the target wealth management product step comprises:
  • the second liquidity is flowed to the client account.
  • the step of monitoring the daily profit rate of the current type wealth management product to determine the target profitable product with the highest daily profit rate includes:
  • X is a matrix of n rows and k columns, wherein the (i, j) position of the matrix represents the i-th financial product loaded on the jth weighting factor; and f is the daily benefit, Is a k-dimensional column vector, the jth item is the benefit of the jth weighting factor, wherein the weighting factor refers to a common weighting factor including scale, systemic risk, momentum, volatility, value, liquidity, growth sexuality and profitability, obtain the daily real fund income of the wealth management products in the past historical period, and the income based on the weighting factor, in order to obtain the daily weight of the wealth management products on each weighting factor;
  • the risk value corresponding to .tn, w is a constant value;
  • the wealth management products are screened, and the target wealth management products with the highest profit rate are selected from the remaining wealth management products.
  • the method includes:
  • the present application further provides a wealth management product purchasing device, where the financial product purchasing device includes: a memory, a processor, a communication bus, and a wealth management product purchasing program stored on the memory,
  • the communication bus is used to implement a communication connection between the processor and the memory
  • the processor is configured to execute the wealth management product purchase program to implement the following steps:
  • the funds of the other current type wealth management products other than the target wealth management products are flowed into the target wealth management products.
  • the step of flowing funds of other current-type wealth management products other than the target wealth management product into the target wealth management product includes:
  • the first liquidity is repurchased to the target wealth management product to obtain a profit.
  • the step of flowing funds of other current-type wealth management products other than the target wealth management product into the target wealth management product includes:
  • the step of monitoring the daily profit rate of the current type wealth management product to determine the target profitable product with the highest daily profit rate includes:
  • the target wealth management product is a wealth management product trusted by the user end, determining whether the real-time daily profit rate of the target wealth management product is greater than a first preset value
  • the step of flowing the second liquidity to the target wealth management product step comprises:
  • the second liquidity is flowed to the client account.
  • the step of monitoring the daily profit rate of the current type wealth management product to determine the target profitable product with the highest daily profit rate includes:
  • X is a matrix of n rows and k columns, wherein the (i, j) position of the matrix represents the i-th financial product loaded on the jth weighting factor; and f is the daily benefit, Is a k-dimensional column vector, the jth item is the benefit of the jth weighting factor, wherein the weighting factor refers to a common weighting factor including scale, systemic risk, momentum, volatility, value, liquidity, growth sexuality and profitability, obtain the daily real fund income of the wealth management products in the past historical period, and the income based on the weighting factor, in order to obtain the daily weight of the wealth management products on each weighting factor;
  • the risk value corresponding to .tn, w is a constant value;
  • the wealth management products are screened, and the target wealth management products with the highest profit rate are selected from the remaining wealth management products.
  • the method includes:
  • the present application also provides a readable storage medium storing one or more programs, the one or more programs being executable by one or more processors Used for:
  • the funds of the other current type wealth management products other than the target wealth management products are flowed into the target wealth management products.
  • the present application obtains the property information of the wealth management product purchased by the client account, selects the current type wealth management product based on the attribute information of the wealth management product, and monitors the daily profit rate of the current type wealth management product to determine the target wealth management product with the highest daily profit rate. And flowing funds of other current-type wealth management products other than the target wealth management products into the target wealth management products.
  • the financial flow between the wealth management products is supported, and the capital flow process between the wealth management products is: monitoring the daily profit rate of the current type wealth management product, and the current type
  • the flow of wealth management products to the target wealth management products with the highest daily profit rate the higher the amount of the target wealth management products with the highest daily profit rate, the higher the user's income, so the prior art accounts for the payment accounts are solved in the present application.
  • the purchased wealth management products cannot be replaced at any time, resulting in technical problems of lower investor income.
  • FIG. 1 is a schematic flow chart of a first embodiment of a method for purchasing a wealth management product according to the present application
  • FIG. 2 is a schematic flow chart of a second embodiment of a method for purchasing a wealth management product according to the present application
  • FIG. 3 is a schematic structural diagram of a device in a hardware operating environment involved in a method according to an embodiment of the present application
  • FIG. 4 is a schematic diagram of a test report in a method for purchasing a wealth management product of the present application.
  • the present application provides a method for purchasing a wealth management product.
  • the method for purchasing a wealth management product includes:
  • Step S10 Obtain attribute information of the wealth management product purchased by the client account, and select a current type wealth management product based on the attribute information of the wealth management product;
  • the method for purchasing a wealth management product is applied to a wealth management product purchasing device.
  • the wealth management product includes a fund product, a stock, and the like, wherein the property information of the wealth management product includes the name of the wealth management product, and the type of the wealth management product.
  • the client can associate different wealth management products through the account on the wealth management product purchase APP, wherein the account is a payment account such as Alipay.
  • the user terminal can implement the free flow of funds between different wealth management products on the wealth management product purchase APP, and the relationship between the freely flowing wealth management products of the fund is taken as The flow relationship, in which the wealth management product purchase APP can be an independently developed APP, or the application of the wealth management product purchase function that can be realized by WeChat, Alipay.
  • the wealth management product may be a regular fixed wealth management product, and the funds in the regular fixed wealth management product may not flow, and the wealth management product may also be a current type wealth management product.
  • the daily rate of return of the current type of wealth management products is changed.
  • the funds in the current type of wealth management products are not mobile. It should be noted that the funds in the wealth management products include not only the principal but also the proceeds from the purchase of wealth management products. Or interest payments, in which only part of the funds in the wealth management products can flow.
  • Step S20 monitoring a daily profit rate of the current type wealth management product to determine a target wealth management product with the highest daily profit rate;
  • a monitoring module is installed in the wealth management product purchasing device, and the monitoring module monitors the wealth management product in real time, specifically, when the flow of funds can be performed between all current type wealth management products, the daily profit rate of the current type wealth management product is monitored, if not all current periods When the type of wealth management products are capable of carrying out the flow of funds, the daily profit rate of the current type of wealth management products having the liquidity relationship is monitored.
  • the flow of funds between the current type of wealth management products can be taken as an example.
  • the daily profit rate of the current type wealth management product is monitored to determine the target wealth management product with the highest daily profit rate in the day, and in addition, when the current type wealth management product
  • the monthly rate of return is constantly changing, monitor the monthly rate of return of the current type of wealth management products to determine the target wealth management product with the highest daily rate of return in the month.
  • the profit rate of the different types of wealth management products may be changed at the same time. In the embodiment, after monitoring the daily profit rate of the current type wealth management product, determining the target financial profit with the highest daily profit rate. product.
  • Step S30 Flowing funds of other current-type wealth management products other than the target wealth management product into the target wealth management product.
  • the funds in the other current type wealth management products other than the target wealth management product are obtained, and the fund is flowed into the target wealth management product.
  • the fund includes all principal and income.
  • the steps of flowing funds of other current-type wealth management products other than the target wealth management product to the target wealth management product include:
  • Step S31 automatically withdrawing funds of other current-type wealth management products other than the target wealth management products, and using the funds as the first working capital;
  • the specific method of capital flow cashing out the funds of other current-type wealth management products other than the target wealth management products, and using the funds after the withdrawal as the first working capital, and generating the re-purchasing financial management after the withdrawal processing
  • Step S32 the first working capital is re-purchased to the target wealth management product to obtain a profit.
  • the target wealth management product After detecting the re-purchase of the wealth management product, the target wealth management product is acquired, and the first liquidity fund is purchased to purchase the target wealth management product to obtain the income.
  • the step of flowing funds of other current-type wealth management products other than the target wealth management product to the target wealth management product further includes:
  • Step S33 determining whether there is a swap agreement between the other current type financing products and the target wealth management product
  • Determining whether there is a swap agreement between the other current type financing products and the target wealth management products, and the funds between the plurality of wealth management products having the swap agreement may directly flow according to the swap agreement.
  • Step S34 When there is a swap protocol, the first liquidity in the other current-type wealth management products is flowed to the target wealth management product based on the swap protocol.
  • the flow rule between the target wealth management product and the exchange wealth management product is obtained, and funds of other current-type wealth management products other than the target wealth management product are flowed into the target wealth management product based on the flow rule.
  • the flow rule may be: 80% of the funds of other current-type wealth management products are used as working capital.
  • the method includes:
  • Step S40 acquiring a payment wealth management product in the other current-type wealth management products, and retaining a preset amount of funds in the payment wealth management product as a payment fund;
  • Step S50 Flowing other funds outside the payment fund into the target wealth management product.
  • the present application obtains the property information of the wealth management product purchased by the client account, selects the current type wealth management product based on the attribute information of the wealth management product, and monitors the daily profit rate of the current type wealth management product to determine the target wealth management product with the highest daily profit rate. And flowing funds of other current-type wealth management products other than the target wealth management products into the target wealth management products.
  • the financial flow between the wealth management products is supported, and the capital flow process between the wealth management products is: monitoring the daily profit rate of the current type wealth management product, and the current type
  • the flow of wealth management products to the target wealth management products with the highest daily profit rate the higher the amount of the target wealth management products with the highest daily profit rate, the higher the user's income, so the prior art accounts for the payment accounts are solved in the present application.
  • the purchased wealth management products cannot be replaced at any time, resulting in technical problems of lower investor income.
  • the present application provides a second embodiment of a method for purchasing a wealth management product.
  • the step of monitoring the daily profit rate of the current-type wealth management product to determine the target financial product with the highest daily profit rate includes:
  • Step S21 obtaining a second working capital of the client account that does not purchase the wealth management product
  • the second working capital of the unfinished wealth management product is set in the client account, and the second working capital can purchase the wealth management product.
  • Step S22 determining whether the target wealth management product is a wealth management product trusted by the user end;
  • the client can select a trusted trust financing product in advance on the financial application APP, and the trusted wealth management product is a wealth management product trusted by the user end, and determines whether the target wealth management product is a wealth management product trusted by the user end.
  • Step S23 when the target wealth management product is a wealth management product trusted by the user end, determining whether the real-time daily profit rate of the target wealth management product is greater than a first preset value
  • the target wealth management product is not a wealth management product trusted by the user end, the second liquidity is prohibited from purchasing the target wealth management product, and when the target wealth management product is a wealth management product trusted by the user end, the target financial management is judged.
  • the real-time rate of return of the product is greater than the first preset value, wherein the first preset value may be changed, for example, the first preset value is an average value of the daily profit rate of each wealth management product.
  • Step S24 When the real-time day return rate is greater than the first preset value, the second liquidity is flowed to the target wealth management product.
  • the second liquidity is flowed to the target wealth management product.
  • the real-time day return rate is lower than the first preset value, the second liquidity is prohibited from flowing to the target wealth management product.
  • the second working capital of the unfinished wealth management product in the client account is obtained
  • the present application provides a third embodiment of a method for purchasing a wealth management product.
  • the third embodiment when the real-time daily profit rate is greater than a first preset value, the second liquidity flows to the After the steps of the target wealth management products, include:
  • the second liquidity is flowed to the client account.
  • the target wealth management product performs recording processing of the second working capital. If it is detected that the real-time daily profit rate is less than the second preset value, the second liquidity flow and the second liquidity flow in the target wealth management product are flowed to the client account to avoid the risk.
  • the second liquidity is flowed to the client account by detecting that the real-time day return rate is less than the second preset value.
  • the method for purchasing wealth management products in this embodiment avoids the financial risk of the second working capital and improves the user experience.
  • the present application provides a fourth embodiment of a method for purchasing a wealth management product.
  • the step of monitoring the daily profit rate of the current-type wealth management product to determine the target profitable product with the highest daily profit rate includes:
  • X is a matrix of n rows and k columns, wherein the (i, j) position of the matrix represents the i-th wealth management product is loaded on the jth weighting factor; and f is per The daily return is the k-dimensional vector, and the jth is the gain of the jth weighting factor.
  • the weighting factor refers to the common weighting factor, which includes scale, systemic risk, momentum, volatility, value, and flow. Sexuality, growth, profitability, obtaining the daily real fund income of the wealth management products in the past historical period, and the income based on the weighting factor, in order to obtain the daily weight of the wealth management products on each weighting factor;
  • the risk value corresponding to .tn, w is a constant value;
  • P2 t2x2+w
  • Pn tnxn+w
  • Q is the total risk value
  • P1 P2 and Pn are the risk values of the wealth management products on each weighting factor respectively
  • t1, t2 and tn are the weights of the wealth management products on the corresponding weighting factors
  • x1, x2...xn are respectively t1, t2.
  • X is a matrix of n rows and k columns, wherein the (i, j) position of the matrix represents the load of the i-th wealth management product on the jth weighting factor; and f is the daily benefit, which is the k-dimensional column Vector, where jth is the benefit of the jth weighting factor, wherein the weighting factor refers to a common weighting factor, which may be scale, systemic risk, momentum, volatility, value, liquidity, growth , profitability, etc., to obtain the daily real wealth management product income of the wealth management products in the past historical period, based on the weight factor, to obtain the weight of the wealth management product on each weighting factor, based on the wealth management product in each weighting factor.
  • the risk value corresponding to .tn, w is a constant value.
  • step A3 based on the risk value, the wealth management product is screened, and the target wealth management product with the highest profit rate is selected from the remaining wealth management products.
  • the wealth management products are screened, the remaining wealth management products whose risk value is lower than the set value are selected, and the target wealth management products with the highest profit rate are selected from the remaining wealth management products.
  • the i term represents the total income and the unique income portion of the corresponding wealth management product
  • X is a matrix of n rows and k columns, wherein the (i, j) position of the matrix represents the i-th wealth management product is loaded on the jth weighting factor
  • f is the daily benefit, which is the k-dimensional column vector
  • the jth item is the benefit of the jth weighting factor
  • the weighting factor refers to the common weighting factor, which includes scale, systemic risk, momentum, and volatility.
  • the risk value corresponding to .tn, w is a constant value; based on the risk value, the wealth management products are screened, and the target wealth management products with the highest profit rate are selected from the remaining wealth management products. In this embodiment, the profit rate and the risk value of the wealth management product are simultaneously considered, and the target wealth management product is selected to improve the user experience.
  • the application further provides a wealth management product purchasing device, where the wealth management product purchasing device comprises:
  • the first obtaining module is configured to obtain attribute information of the wealth management product purchased by the client account, and select a current type wealth management product based on the attribute information of the wealth management product;
  • a monitoring module configured to monitor a daily profit rate of the current type of wealth management product to determine a target wealth management product with the highest daily profit rate
  • a first flow module configured to flow funds of other current-type wealth management products other than the target wealth management product into the target wealth management product.
  • the first flow module includes:
  • a cash withdrawal unit for automatically withdrawing funds of other current-type wealth management products other than the target wealth management product, and using the funds as the first working capital
  • the first flow module further includes:
  • a determining unit configured to determine whether there is a swap agreement between the other current type financial products and the target wealth management product
  • a flow unit configured to, when the exchange agreement exists, flow the first liquidity in the other current-type wealth management products to the target wealth management product based on the exchange agreement.
  • the financial product purchasing device further includes:
  • a second obtaining module configured to acquire a second working capital of the unpurchased wealth management product in the client account
  • the first judging module is configured to determine whether the target wealth management product is a wealth management product trusted by the user end;
  • a second judging module configured to determine, when the target wealth management product is a wealth management product trusted by the user end, whether the real-time daily profit rate of the target wealth management product is greater than a first preset value
  • the second flow module is configured to flow the second liquidity to the target wealth management product when the real-time daily profit rate is greater than a first preset value.
  • the financial product purchasing device further includes:
  • the third flow module is configured to: when the real-time rate of return is less than the second preset value, the second liquidity is flowed to the client account.
  • the monitoring module further includes:
  • the i term represents the total income and the unique income portion of the corresponding wealth management product
  • X is a matrix of n rows and k columns, wherein the (i, j) position of the matrix represents the i-th wealth management product is loaded on the jth weighting factor
  • f is the daily benefit, which is the k-dimensional column vector
  • the jth item is the benefit of the jth weighting factor
  • the weighting factor refers to the common weighting factor, which includes scale, systemic risk, momentum, and volatility. , value, liquidity, growth, profitability, obtaining the daily real fund income of the wealth management products in the past historical period, and the income based on the weighting factor, in order to obtain the daily weight of the wealth management
  • the risk value corresponding to .tn, w is a constant value;
  • the selection module is configured to screen the wealth management products based on the risk value, and select the target wealth management product with the highest profit rate from the remaining wealth management products.
  • the financial product purchasing device further includes:
  • the step of flowing funds of other current-type wealth management products other than the target wealth management product to the target wealth management product includes:
  • a reservation module configured to obtain a payment wealth management product in the other current type wealth management product, and retain a preset amount of the payment wealth management product as a payment fund;
  • a fourth flow module configured to flow other funds outside the payment fund to the target wealth management product.
  • FIG. 3 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present application.
  • the financial product purchasing device in the embodiment of the present application may be a PC, or may be a smart phone, a tablet computer, an e-book reader, and an MP3 (Moving). Picture Experts Group Audio Layer III, motion picture expert compresses standard audio layer 3) player, MP4 (Moving Picture Experts Group Audio Layer IV, dynamic video experts compress standard audio layers 3) terminal devices such as players and portable computers.
  • MP3 Motion Picture Experts Group Audio Layer III, motion picture expert compresses standard audio layer 3
  • MP4 Moving Picture Experts Group Audio Layer IV
  • dynamic video experts compress standard audio layers 3 terminal devices such as players and portable computers.
  • the wealth management product purchasing device may include a processor 1001, such as a CPU, a memory 1005, and a communication bus 1002.
  • the communication bus 1002 is used to implement connection communication between the processor 1001 and the memory 1005.
  • the memory 1005 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the memory 1005 can also optionally be a storage device independent of the aforementioned processor 1001.
  • the wealth management product purchasing device may further include a user interface, a network interface, a camera, and an RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more.
  • the user interface may include a display, an input unit such as a keyboard, and the optional user interface may also include a standard wired interface, a wireless interface.
  • the network interface can optionally include a standard wired interface or a wireless interface (such as a WI-FI interface).
  • the structure of the wealth management product purchasing device shown in FIG. 3 does not constitute a limitation on the purchasing device of the wealth management product, and may include more or less components than the illustration, or combine some components, or different. Parts layout.
  • an operating system As shown in FIG. 3, an operating system, a network communication module, and a wealth management product purchase program may be included in the memory 1005 as a computer storage medium.
  • the operating system is a program that manages and controls the financial products to purchase equipment hardware and software resources, and supports the operation of the wealth management product purchase program and other software and/or programs.
  • the network communication module is used to implement communication between components within the memory 1005 and to communicate with other hardware and software in the financial product purchasing device.
  • the processor 1001 is configured to execute the wealth management product purchasing program stored in the memory 1005, and implement the steps in the embodiments of the above-mentioned financial product purchasing method.
  • the present application further provides a wealth management product purchasing device, where the financial product purchasing device includes: a memory, a processor, a communication bus, and a wealth management product purchasing program stored on the memory,
  • the communication bus is used to implement a communication connection between the processor and the memory
  • the processor is configured to execute the wealth management product purchase program to implement the following steps: the processor is configured to execute the enterprise computer asset management program to implement the steps in the foregoing embodiments of the financial product purchase method.
  • the application provides a readable storage medium storing one or more programs, the one or more programs being further executable by one or more processors for implementing any of the above The steps of the method of purchasing a wealth management product as described.

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Abstract

La présente invention concerne un procédé et un appareil d'achat de produit financier, un dispositif, et un support d'informations lisible Le procédé d'achat de produit financier comprend les étapes consistant à : acquérir des informations d'attribut concernant des produits financiers achetés par un compte d'utilisateur, et à sélectionner des produits financiers de type courant sur la base desdites informations d'attribut ; surveiller le taux de rentabilité quotidien des produits financiers de type courant, de façon à déterminer un produit financier cible ayant le taux de rentabilité quotidien le plus élevé ; transférer des fonds de produits financiers de type courant autres que le produit financier cible dans le produit financier cible. La présente invention résout le problème technique de l'état de la technique selon lequel le produit financier acheté par un compte de paiement ne peut pas être remplacé à tout moment, ce qui entraîne la diminution des revenus des investisseurs.
PCT/CN2018/075661 2017-11-29 2018-02-07 Procédé d'achat de produit financier, appareil et dispositif, et support d'informations lisible WO2019104874A1 (fr)

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CN109117980A (zh) * 2018-06-29 2019-01-01 阿里巴巴集团控股有限公司 数据预填方法、装置及设备
CN109359812A (zh) * 2018-09-04 2019-02-19 深圳壹账通智能科技有限公司 理财产品推荐方法、服务器及计算机可读存储介质
CN109658122A (zh) * 2018-09-30 2019-04-19 深圳壹账通智能科技有限公司 会员权值配置装置及其配置方法、设备、可读存储介质
CN110009503A (zh) * 2019-04-03 2019-07-12 平安信托有限责任公司 理财产品推荐方法、装置、计算机设备及存储介质
CN110083765A (zh) * 2019-04-12 2019-08-02 平安信托有限责任公司 理财信息推送方法、装置、计算机设备和存储介质

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