A device for pushing deposit products based on the secondary legal person model

Abstract

The present invention provides a device for pushing a certain deposit product based on a secondary legal person model, including: providing customer information management, customer identity authentication, electronic account management, online risk assessment, and remote video through the unified access platform of the provincial association's regional business. Interface with recording and screen recording standard services to provide unified customer information management, customer identity authentication, electronic account management and security management services; banks with financial derivatives licenses publish corresponding services to The unified access platform of regional business enables customers of other corporate banks to purchase the deposit product; fully integrates resources in the bank to avoid waste of resources caused by redundant construction; when customers use relevant accounts, they need to authenticate their identity, And transactions involving funds need to be verified by SMS, so as to effectively avoid the risk of disclosure of customer account passwords.

Description

Technical field [0001] The present invention relates to the field of computer technology, in particular to a device based on a second-level legal person model push deposit product. Background [0002] A deposit product is a kind of "deposit + option" commercial bank innovation product that combines fixed income products (such as fixed deposits, bills, etc.) and financial derivatives (such as interest rates, exchange rates and stock indices, etc.) to form a "deposit + option" innovative product of commercial banks. Its income is mainly divided into two parts, one part of the income is fixed interest income generated by fixed income products, and the other part of the income is floating income linked to fluctuations in the price of the underlying asset. In addition, since the underlying of the linkage is more extensive than that of wealth management products, as long as the market performance of the underlying of the linkage is stable, the probability of the customer bringing in mo...

AI Technical Summary

Problems solved by technology

However, this invention needs to obtain user information. First, there may be compliance issues in obtaining customer information; second, this invention needs to configure user groups and product-related attribute information, which has higher requirements for product recommendation models; Thirdly, the invention requires each direct selling bank to provide as differentiated products as possible. If there are multiple homogeneous products in different direct selling banks, if the system directly displays them to customers, it will increase the difficulty for customers to choose, which may lead to customer confusion over time. drain

[0009] 2) A multi-card wealth management method and system, storage medium and platform (CN201910881614), which solves the limitation of a single limit of a single bank card for a customer by binding multiple bank cards, but requires the capital required for customer wealth management investment In and out of the same card (the cash withdrawal limit of the secondary card is the original investment amount of the secondary card, the cash withdrawal limit of the main card is the total assets of the wealth management account minus the cash withdrawal limit of all secondary cards, and not less than 0), it is impossible for customers to directly transfer multiple bank cards Management, especially when customers want to withdraw all funds to the primary card, the customer must unbind all secondary cards

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