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System and method for processing client protocol capital pool data based on network

A fund pool and data technology, which is applied in financial network communication and banking network fields, can solve the problems of inability to realize automatic distribution of investment and wealth management income, and insufficient flexibility and timeliness of fund allocation methods, so as to facilitate investment and financial management, flexible and timely fund allocation, and effective The effect of using

Inactive Publication Date: 2008-09-24
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Although the above-mentioned system and method can realize the allocation of funds and centralized external payment, and improve the management and use efficiency of funds, it cannot realize the automatic distribution of investment and wealth management income, and its method of allocation of funds is not flexible and timely enough.

Method used

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  • System and method for processing client protocol capital pool data based on network
  • System and method for processing client protocol capital pool data based on network
  • System and method for processing client protocol capital pool data based on network

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0031] This embodiment of the present invention provides a network-based system for processing client protocol fund pool data. The present embodiment will be described in detail below in conjunction with the accompanying drawings.

[0032] image 3 It is a schematic structural diagram of a system for processing customer agreement fund pool data based on a network according to an embodiment of the present invention. Such as image 3 As shown, the system includes a system host 1 , an external financial network 5 and a transaction terminal 6 . The transaction terminal 6 is connected to the system host 1 through the external financial network 5 , and sends a transaction request to the system host 1 through the external financial network 5 . The system host 1 includes a data storage device 2 , a data processing device 3 and a plurality of interfaces 4 . The data processing device 3 receives the transaction request of the transaction terminal 6 through the interface 4, verifies ...

Embodiment 2

[0042] This embodiment of the present invention provides a network-based method for processing client protocol fund pool data. The present embodiment will be described in detail below in conjunction with the accompanying drawings.

[0043] The network-based method of the present invention for processing customer agreement fund pool data includes the following steps: establishing a fund pool account, collecting account funds, and distributing account investment income.

[0044] Wherein, the establishment of the fund pool account is the fund pool account of each member account according to the agreement.

[0045] Figure 7 It is a flow chart of fund pool account fund collection processing according to this embodiment of the present invention. Such as Figure 7 As shown, the processing of account fund collection includes the following steps:

[0046] Step 400: The agreement processing unit 304 reads the wealth management agreement register, obtains the binding relationship be...

Embodiment 3

[0058] This embodiment of the present invention provides a network-based method for processing client protocol fund pool data. The present embodiment will be described in detail below in conjunction with the accompanying drawings.

[0059] The method for processing fund pool data based on the network of the present invention includes the following steps: establishing a fund pool account, collecting account funds, and distributing account investment income.

[0060] The difference between this embodiment and Embodiment 3 lies only in the processing of account fund collection. Figure 8 It is a flow chart of fund pool account fund collection processing according to this embodiment of the present invention. Such as Figure 8 As shown, the processing of fund collection in this fund account includes the following steps:

[0061] Step 400: The agreement processing unit 304 reads the wealth management agreement register, obtains the binding relationship between each member account...

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PUM

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Abstract

The invention provides a system basing on network for the processing of the data of a client protocol capital pool and a method thereof. The system includes a system host, external financial network and a transaction terminal which is linked with the system host through the external financial network and sends a transaction request to the system host through the external financial network. The system host includes a data storing device, a data processing device and a plurality of interfaces. The data processing device receives the transaction request of the transaction terminal through the interfaces, verifies the qualification and the authority of a user, visits the data storing device for the processing of the transaction request and returns the processing result to the transaction terminal through the interfaces and the external financial network. The data storing device includes at least one capital pool account unit which includes a capital pool account and at least two member accounts which are corresponding to the capital pool account through the protocol. The data processing device converges the capital of member accounts through the capital poll account and distributes profit amount to the member accounts through the protocol.

Description

technical field [0001] The present invention relates to the field of financial network communication, in particular to the field of bank network, and more specifically to a system and method for processing client protocol fund pool data through the network. Background technique [0002] Today, financial investment has entered people's daily life. More and more investment and financial products are available for people to choose from. However, many wealth management products put forward some requirements for customers, such as: investment amount, investment cycle, etc., which make people have many restrictions when choosing products. At present, due to mutual distrust, the more common account handling method is that each retail investor (unless otherwise specified, hereinafter referred to as: member account) uses its own separate account to conduct fund receipts and expenditures and investment in daily economic activities. Financial management is carried out through separat...

Claims

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Application Information

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IPC IPC(8): G06Q40/00H04L29/06G06Q40/06
Inventor 王正萍肖刚金杰朱国平温建波黄锦实
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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