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WO2017128394A1 - Procédé d'acquisition de données sur la gestion automatique d'actifs, et système de notification d'investissement intelligent - Google Patents

Procédé d'acquisition de données sur la gestion automatique d'actifs, et système de notification d'investissement intelligent Download PDF

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Publication number
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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WO
WIPO (PCT)
Prior art keywords
account
user
quota
asset
customer
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2016/072964
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English (en)
Chinese (zh)
Inventor
杨钰
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to PCT/CN2016/072964 priority Critical patent/WO2017128394A1/fr
Publication of WO2017128394A1 publication Critical patent/WO2017128394A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/00—Payment architectures, schemes or protocols

Definitions

  • 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.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé d'acquisition de données sur la gestion automatique d'actifs, et un système de notification d'investissement intelligent. Le procédé consiste à : enregistrer des informations de montant d'actifs de compte définies par un client et des informations de montant de compte courant (S101); lire les informations de montant de compte courant définies par le client et les informations de montant de compte courant (S102); déterminer si les informations de montant de compte courant dépassent un montant d'actifs de compte défini par le client (S103); si ce n'est pas le cas, déterminer qu'une exigence pour que le client gère des actifs n'est pas satisfaite, et ne pas fournir d'informations notifiant au client de gérer les actifs (S104); et si tel est le cas, fournir les informations notifiant au client de gérer les actifs, et transmettre, à un terminal d'acquisition de données préconfiguré par un fabricant, des données d'utilisation de technologie (S105). Le procédé et le système se rapportent au domaine des finances sur Internet, et peuvent déterminer en temps voulu si un client a suffisamment de fonds pour un investissement en mettant en correspondance le solde d'un compte client avec un montant de fonds de compte prédéfini par le client, et par conséquent, le système peut déterminer en temps voulu si le client possède des fonds suffisants pour la gestion de fonds, facilitant ainsi le positionnement d'actifs, réalisant ainsi un retour maximal, et permettant au fabricant d'acquérir efficacement et en temps voulu une condition d'utilisation de la technologie associée au moyen d'une rétroaction rapide lors de l'utilisation de la technologie.
PCT/CN2016/072964 2016-01-30 2016-01-30 Procédé d'acquisition de données sur la gestion automatique d'actifs, et système de notification d'investissement intelligent Ceased WO2017128394A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072964 WO2017128394A1 (fr) 2016-01-30 2016-01-30 Procédé d'acquisition de données sur la gestion automatique d'actifs, et système de notification d'investissement intelligent

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072964 WO2017128394A1 (fr) 2016-01-30 2016-01-30 Procédé d'acquisition de données sur la gestion automatique d'actifs, et système de notification d'investissement intelligent

Publications (1)

Publication Number Publication Date
WO2017128394A1 true WO2017128394A1 (fr) 2017-08-03

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2016/072964 Ceased WO2017128394A1 (fr) 2016-01-30 2016-01-30 Procédé d'acquisition de données sur la gestion automatique d'actifs, et système de notification d'investissement intelligent

Country Status (1)

Country Link
WO (1) WO2017128394A1 (fr)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101344947A (zh) * 2007-07-10 2009-01-14 蒋建河 存借分离的在线融资方法及其系统
US20140324694A1 (en) * 2013-04-26 2014-10-30 Quisk, Inc. Restricting Transfer of Funds from Electronic Financial Account
CN105260938A (zh) * 2015-10-28 2016-01-20 平安科技（深圳）有限公司 一种智能理财方法和装置

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101344947A (zh) * 2007-07-10 2009-01-14 蒋建河 存借分离的在线融资方法及其系统
US20140324694A1 (en) * 2013-04-26 2014-10-30 Quisk, Inc. Restricting Transfer of Funds from Electronic Financial Account
CN105260938A (zh) * 2015-10-28 2016-01-20 平安科技（深圳）有限公司 一种智能理财方法和装置

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