TWI651682B - Financial account management system - Google Patents

Financial account management system Download PDF

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TWI651682B
TWI651682B TW107104664A TW107104664A TWI651682B TW I651682 B TWI651682 B TW I651682B TW 107104664 A TW107104664 A TW 107104664A TW 107104664 A TW107104664 A TW 107104664A TW I651682 B TWI651682 B TW I651682B
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financial
financial account
communication device
amount
processor
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TW107104664A
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TW201935381A (en
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陳天鈺
薛梅華
謝豐名
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華南商業銀行股份有限公司
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Abstract

一種金融帳戶管理系統包含通訊裝置以及處理器。通訊裝置用以與金融帳戶系統及金融商品交易系統通訊連接。處理器與通訊裝置連接,其中處理器用以透過通訊裝置設定金融帳戶系統的門檻金額,並根據金融帳戶系統中的存款金額及門檻金額的關係,而透過通訊裝置向金融商品交易系統選擇性地傳送代表申購或贖回金融商品的訊息。 A financial account management system includes a communication device and a processor. The communication device is used to communicate with the financial account system and the financial commodity trading system. The processor is connected to the communication device, wherein the processor is configured to set the threshold of the financial account system through the communication device, and selectively transmit the financial account transaction system to the financial commodity transaction system according to the relationship between the deposit amount and the threshold amount in the financial account system. A message representing the purchase or redemption of financial products.

Description

金融帳戶管理系統 Financial account management system

本揭示文件係關於一種金融帳戶管理系統,尤指一種自動申購及贖回金融商品的金融帳戶管理系統。 The present disclosure relates to a financial account management system, and more particularly to a financial account management system for automatically purchasing and redeeming financial products.

隨著投資風氣的興起,運用金融商品來進行投資的方式也已被廣泛使用。以基金為例,使用者可透過單筆的方式申購基金,並在基金位於高點時再將此檔基金贖回,藉以賺取差額。然而,此種申購基金及贖回基金的方式僅能夠由使用者親自操作基金的申購及贖回,對於忙碌的使用者而言相當不方便。 With the rise of investment ethos, the use of financial products for investment has also been widely used. In the case of a fund, a user can purchase a fund in a single way and redeem the fund when the fund is at a high point to earn a difference. However, such a subscription fund and redemption fund can only be used by the user to personally operate the fund's subscription and redemption, which is quite inconvenient for busy users.

本揭示文件之一實施例揭示一種金融帳戶管理系統,包含通訊裝置以及處理器。通訊裝置用以與金融帳戶系統及金融商品交易系統通訊連接。處理器與通訊裝置連接,其中處理器用以透過通訊裝置設定金融帳戶系統的門檻金額,並根據金融帳戶系統中的存款金額及門檻金額的關係,而透過通訊裝置向金融商品交易系統選擇性地傳送代表申購或贖回金 融商品的訊息。 One embodiment of the present disclosure discloses a financial account management system including a communication device and a processor. The communication device is used to communicate with the financial account system and the financial commodity trading system. The processor is connected to the communication device, wherein the processor is configured to set the threshold of the financial account system through the communication device, and selectively transmit the financial account transaction system to the financial commodity transaction system according to the relationship between the deposit amount and the threshold amount in the financial account system. Representing a purchase or redemption The message of the product.

於本揭示文件之一實施例中,其中當金融帳戶系統中的存款金額超出門檻金額時,處理器透過通訊裝置向金融商品交易系統傳送代表申購金融商品的訊息,並將申購金融商品的申購紀錄標記在金融帳戶系統。 In an embodiment of the present disclosure, wherein when the deposit amount in the financial account system exceeds the threshold amount, the processor transmits a message representing the purchase of the financial product to the financial commodity trading system via the communication device, and purchases the purchase order of the financial product. Marked in the financial account system.

於本揭示文件之一實施例中,其中處理器根據存款金額與門檻金額之間的差額,而透過通訊裝置向金融商品交易系統傳送代表申購金融商品的訊息。 In an embodiment of the present disclosure, the processor transmits a message representing the purchase of the financial product to the financial commodity trading system via the communication device according to the difference between the deposit amount and the threshold amount.

於本揭示文件之一實施例中,其中當金融帳戶中的存款金額低於門檻金額時,處理器透過通訊裝置向金融商品交易系統傳送代表贖回金融商品的訊息,並將贖回金融商品所獲得的贖回金額所對應的資料儲存至金融帳戶系統。 In an embodiment of the present disclosure, wherein when the deposit amount in the financial account is lower than the threshold amount, the processor transmits a message representing the redemption of the financial product to the financial commodity trading system via the communication device, and redeems the financial commodity The data corresponding to the redemption amount obtained is stored in the financial account system.

於本揭示文件之一實施例中,其中處理器根據存款金額與門檻金額之間的差額,而透過通訊裝置向金融商品交易系統傳送代表贖回金融商品的訊息。 In an embodiment of the present disclosure, the processor transmits a message representing the redemption of the financial product to the financial commodity trading system via the communication device according to the difference between the deposit amount and the threshold amount.

於本揭示文件之一實施例中,其中處理器為微控制單元(micro controller)、微處理器(microprocessor)、數位訊號處理器(digital signal processor)、特殊應用積體電路(application specific integrated circuit,ASIC)或邏輯電路。 In one embodiment of the present disclosure, the processor is a micro controller, a microprocessor, a digital signal processor, or an application specific integrated circuit. ASIC) or logic circuit.

於本揭示文件之一實施例中,其中金融商品為貨幣市場型基金。 In one embodiment of the present disclosure, the financial commodity is a money market fund.

本揭示文件之一實施例揭示一種金融帳戶管理系統,包含通訊裝置以及處理器。通訊裝置用以與金融帳戶系 統及金融商品交易系統通訊連接。處理器包含設定電路、第一運算電路及第二運算電路。設定電路與通訊裝置連接,用以透過通訊裝置設定金融帳戶系統的門檻金額。第一運算電路與通訊裝置連接,用以當金融帳戶系統中的存款金額超出門檻金額時透過通訊裝置向金融商品交易系統傳送代表申購金融商品的訊息,並將申購金融商品的申購紀錄標記在金融帳戶系統。第二運算電路與通訊裝置連接,用以當金融帳戶系統中的存款金額低於門檻金額時透過通訊裝置向金融商品交易系統傳送代表贖回金融商品的訊息,並將贖回金融商品所獲得的贖回金額所對應的資料儲存至金融帳戶系統。 One embodiment of the present disclosure discloses a financial account management system including a communication device and a processor. Communication device for use with financial account And the financial commodity trading system communication connection. The processor includes a setting circuit, a first arithmetic circuit, and a second operational circuit. The setting circuit is connected to the communication device for setting the threshold of the financial account system through the communication device. The first computing circuit is connected to the communication device for transmitting a message representing the purchase of the financial product to the financial commodity trading system through the communication device when the deposit amount in the financial account system exceeds the threshold amount, and marking the purchase record of the purchased financial commodity in the financial Account system. The second computing circuit is connected to the communication device for transmitting a message representing the redemption of the financial product to the financial commodity trading system through the communication device when the deposit amount in the financial account system is lower than the threshold amount, and obtaining the redemption of the financial product The data corresponding to the redemption amount is stored in the financial account system.

於本揭示文件之一實施例中,其中第一運算電路根據存款金額與門檻金額之間的差額,而透過通訊裝置向金融商品交易系統傳送代表申購金融商品的訊息。 In an embodiment of the present disclosure, the first computing circuit transmits a message representing the purchase of the financial product to the financial commodity trading system via the communication device according to the difference between the deposit amount and the threshold amount.

於本揭示文件之一實施例中,其中第二運算電路根據存款金額與門檻金額之間的差額,而透過通訊裝置向金融商品交易系統傳送代表贖回金融商品的訊息。 In an embodiment of the present disclosure, the second computing circuit transmits a message representing the redemption of the financial product to the financial commodity trading system via the communication device according to the difference between the deposit amount and the threshold amount.

綜上所述,本揭示文件之金融帳戶管理系統藉由通訊電路與金融帳戶系統與金融商品交易系統通訊連接,以及藉由處理器設定門檻金額,並根據金融帳戶中的存款金額及門檻金額的關係,而透過通訊裝置自動地向金融商品交易系統傳送代表申購或贖回金融商品的訊息,藉此讓使用者除了能夠有效地運用金融帳戶系統之存款金額外,多餘的金額更可進行投資,故對於使用者而言相當方便。 In summary, the financial account management system of the present disclosure communicates with the financial account system and the financial commodity trading system through the communication circuit, and sets the threshold amount by the processor, and according to the deposit amount and the threshold amount in the financial account. The relationship, and the communication device automatically transmits a message representing the purchase or redemption of the financial product to the financial commodity trading system, thereby allowing the user to invest in the financial account system in addition to the deposit amount, and the excess amount can be invested. Therefore, it is quite convenient for the user.

100‧‧‧金融帳戶管理系統 100‧‧‧Financial Account Management System

110‧‧‧通訊裝置 110‧‧‧Communication device

130‧‧‧處理器 130‧‧‧Processor

131‧‧‧設定電路 131‧‧‧Set circuit

133‧‧‧第一運算電路 133‧‧‧First operational circuit

135‧‧‧第二運算電路 135‧‧‧second arithmetic circuit

200‧‧‧金融帳戶 200‧‧‧Financial Account

300‧‧‧金融商品交易系統 300‧‧‧Financial Commodity Trading System

DATA‧‧‧贖回金額所對應的資料 DATA‧‧‧Record data

S1‧‧‧申購金融商品的訊息 S1‧‧‧Information on the purchase of financial products

S2‧‧‧贖回金融商品的訊息 S2‧‧‧Reimbursement of financial products

為讓本揭示內容之上述和其他目的、特徵、優點與實施例能更明顯易懂,所附圖式之說明如下:第1圖為根據本揭示文件之一實施例所示之金融帳戶管理系統、金融帳戶及金融商品交易系統的功能方塊圖。 The above and other objects, features, advantages and embodiments of the present disclosure will become more apparent and understood. The description of the drawings is as follows: FIG. 1 is a financial account management system according to an embodiment of the present disclosure. Functional block diagram of the financial account and financial commodity trading system.

下文係舉實施例配合所附圖式作詳細說明,以更好地理解本案的態樣,但所提供之實施例並非用以限制本案所涵蓋的範圍,而結構操作之描述非用以限制其執行之順序,任何由元件重新組合之結構,所產生具有均等功效的裝置,皆為本案所涵蓋的範圍。 The embodiments are described in detail below to better understand the aspects of the present invention, but the embodiments are not intended to limit the scope of the present disclosure, and the description of structural operations is not intended to limit the scope thereof. The order of execution, any structure that is recombined by components, produces equal devices, and is covered by this case.

請參照第1圖,其為根據本揭示文件之一實施例所示之金融帳戶管理系統100、金融帳戶系統200及金融商品交易系統300的功能方塊圖。 Please refer to FIG. 1 , which is a functional block diagram of a financial account management system 100 , a financial account system 200 , and a financial commodity transaction system 300 according to an embodiment of the present disclosure.

金融帳戶管理系統100包含通訊裝置110及處理器130。 The financial account management system 100 includes a communication device 110 and a processor 130.

通訊裝置110用以與金融帳戶系統200及金融商品交易系統300通訊連接,且金融帳戶系統200與金融商品交易系統300通訊連接,其中金融帳戶系統200與金融商品交易系統300之間的通訊連接並非屬於本揭示文件之重點,故不另贅述。 The communication device 110 is used for communication connection with the financial account system 200 and the financial commodity transaction system 300, and the financial account system 200 is in communication with the financial commodity transaction system 300, wherein the communication connection between the financial account system 200 and the financial commodity transaction system 300 is not It is the focus of this disclosure, so it will not be repeated.

於一實施例中,通訊裝置110可為有線通訊裝置,且有線通訊裝置可透過電纜、光纖或波導等的方式與金融帳戶系 統200及金融商品交易系統300通訊連接;或者是,通訊裝置110亦可為無線通訊裝置,且無線通訊裝置可透過Wi-fi、藍芽、2G、3G或4G等的方式與金融帳戶系統200及金融商品交易系統300通訊連接,然通訊裝置110並不以此為限,凡是可作為與金融帳戶系統200及金融商品交易系統300通訊連接的裝置皆屬於本揭示文件之範疇。 In an embodiment, the communication device 110 can be a wired communication device, and the wired communication device can communicate with the financial account through a cable, an optical fiber, or a waveguide. The system 200 and the financial commodity trading system 300 are connected by communication; or, the communication device 110 can also be a wireless communication device, and the wireless communication device can communicate with the financial account system 200 via Wi-fi, Bluetooth, 2G, 3G or 4G. The financial product transaction system 300 is connected to the communication device. However, the communication device 110 is not limited thereto. Any device that can be connected to the financial account system 200 and the financial commodity transaction system 300 is within the scope of the present disclosure.

於一實施例中,金融帳戶系統200可用於儲存對應存款的資料、申購紀錄及贖回紀錄等,並設置於銀行的伺服器(圖未示)中。 In an embodiment, the financial account system 200 can be used to store the corresponding deposit information, the purchase record, the redemption record, and the like, and is disposed in a server (not shown) of the bank.

於一實施例中,金融商品交易系統300可用於交易金融商品,並設置於金融商品提供者的伺服器(圖未示)中。 In one embodiment, the financial product transaction system 300 can be used to trade financial products and be placed in a server (not shown) of the financial product provider.

處理器130與通訊裝置110連接,其中處理器130用以透過通訊裝置110設定金融帳戶系統200的門檻金額,並根據金融帳戶系統200中的存款金額及門檻金額的關係,而透過通訊裝置110向金融商品交易系統300選擇性地傳送代表申購金融商品的訊息S1或贖回金融商品的訊息S2。 The processor 130 is connected to the communication device 110. The processor 130 is configured to set the threshold amount of the financial account system 200 through the communication device 110, and according to the relationship between the deposit amount and the threshold amount in the financial account system 200, through the communication device 110. The financial commodity transaction system 300 selectively transmits a message S1 representing a purchase of a financial product or a message S2 of redeeming a financial product.

詳言之,處理器130包含設定電路131、第一運算電路133及第二運算電路135。 In detail, the processor 130 includes a setting circuit 131, a first operation circuit 133, and a second operation circuit 135.

設定電路131與通訊裝置110連接,用以透過通訊裝置110設定金融帳戶系統200的門檻金額。 The setting circuit 131 is connected to the communication device 110 for setting the threshold amount of the financial account system 200 through the communication device 110.

舉例來說,設定電路131透過通訊裝置110設定金融帳戶系統200的門檻金額為五萬元。 For example, the setting circuit 131 sets the threshold of the financial account system 200 through the communication device 110 to 50,000 yuan.

第一運算電路133與通訊裝置110連接,用以當金融帳戶系統200中的存款金額超出門檻金額時,並在固定的預 設時間透過通訊裝置110向金融商品交易系統300傳送代表申購金融商品的訊息S1,以向金融商品交易系統300申購金融商品,並將申購金融商品的申購紀錄標記在金融帳戶系統200。於較佳的實施態樣中,第一運算電路133係根據存款金額與門檻金額之間的差額,而透過通訊裝置110向金融商品交易系統300傳送代表申購金融商品的訊息S1。 The first operation circuit 133 is connected to the communication device 110 for when the deposit amount in the financial account system 200 exceeds the threshold amount and is in a fixed pre- The message S1 representing the purchase of the financial product is transmitted to the financial commodity trading system 300 via the communication device 110 to purchase the financial product from the financial commodity trading system 300, and the purchase record of the purchased financial product is marked in the financial account system 200. In a preferred embodiment, the first computing circuit 133 transmits a message S1 representing the purchased financial product to the financial commodity trading system 300 via the communication device 110 according to the difference between the deposit amount and the threshold amount.

舉例來說,當金融帳戶系統200中的存款金額為六萬元時,由於六萬元的存款金額已超出五萬元的門檻金額一萬元,因此第一運算電路133可以透過通訊裝置110向金融商品交易系統300傳送代表申購金融商品的訊息S1,其中訊息S1可為使用者使用一萬元中的部分(例如六千元)來申購金融商品的指令,並將申購金融商品的申購紀錄標記在金融帳戶系統200。因此,金融帳戶系統200具有對應剩下的五萬四千元存款的資料及申購金融商品的申購紀錄。 For example, when the deposit amount in the financial account system 200 is 60,000 yuan, since the deposit amount of 60,000 yuan has exceeded the threshold of 50,000 yuan, the first operation circuit 133 can transmit through the communication device 110. The financial commodity trading system 300 transmits a message S1 representing the purchase of financial products, wherein the message S1 can be used by the user to purchase a portion of the 10,000 yuan (for example, 6,000 yuan) to purchase financial products, and to mark the purchase of the financial product. In the financial account system 200. Therefore, the financial account system 200 has information corresponding to the remaining $54,000 in deposits and purchase orders for the purchase of financial products.

於較佳的實施態樣中,訊息S1可為使用者使用一萬元中的全部來申購金融商品的指令。因此,金融帳戶系統200具有對應剩下的五萬元存款的資料及申購金融商品的申購紀錄。 In a preferred embodiment, the message S1 can be used by the user to purchase all of the 10,000 yuan to purchase financial products. Therefore, the financial account system 200 has information corresponding to the remaining deposit of 50,000 yuan and a purchase record for purchasing financial products.

應注意的是,金融商品的申購數量可依據使用者之設定而決定,並不以前述例子為限。 It should be noted that the number of purchases of financial products may be determined according to the user's settings, and is not limited to the foregoing examples.

藉此,當使用者的金融帳戶系統200之存款金額超出門檻金額時,金融帳戶系統200之存款金額將自動地維持在門檻金額,且超出門檻金的金額則可自動地用於投資(即申購金融商品),使用者除了能夠有效地運用金融帳戶系統200之存款金額 外,且多餘的金額更可進行投資,故對於使用者而言相當方便。 Therefore, when the deposit amount of the user's financial account system 200 exceeds the threshold amount, the deposit amount of the financial account system 200 will be automatically maintained at the threshold amount, and the amount exceeding the threshold amount can be automatically used for investment (ie, subscription) Financial goods), in addition to the user's ability to effectively use the deposit amount of the financial account system 200 In addition, the excess amount can be invested, so it is quite convenient for the user.

第二運算電路135與通訊裝置110連接,用以當金融帳戶系統200中的存款金額低於門檻金額時,透過通訊裝置110向金融商品交易系統300傳送贖回金融商品的訊息S2,以將贖回金融商品的贖回紀錄標記在金融帳戶系統200,並將贖回金融商品所獲得的贖回金額所對應的資料DATA儲存至金融帳戶系統200。於較佳的實施態樣中,第二運算電路135根據存款金額與門檻金額之間的差額,而透過通訊裝置110向金融商品交易系統300傳送代表贖回金融商品的訊息S2。 The second operation circuit 135 is connected to the communication device 110 for transmitting the message S2 for redeeming the financial product to the financial commodity transaction system 300 via the communication device 110 when the deposit amount in the financial account system 200 is lower than the threshold amount. The redemption record of the returned financial item is marked in the financial account system 200, and the data DATA corresponding to the redemption amount obtained by redeeming the financial item is stored in the financial account system 200. In a preferred embodiment, the second computing circuit 135 transmits a message S2 representing the redemption of the financial product to the financial product transaction system 300 via the communication device 110 according to the difference between the deposit amount and the threshold amount.

舉例來說,當金融帳戶系統200中的存款金額為四萬元時,由於四萬元的存款金額低於五萬元的門檻金額,因此第二運算電路135透過通訊裝置110向金融商品交易系統300傳送代表贖回金融商品的訊息S2,其中訊息S2可為使用者將部分金融商品(例如價值金額為六千元的金融商品)贖回,並將贖回部分金融商品所獲得的贖回金額(即六千元)所對應的資料DATA儲存至金融帳戶系統200。因此,金融帳戶系統200具有對應剩下的價值金額為四千元的金融商品的資料D2及四萬六千元存款的資料。 For example, when the deposit amount in the financial account system 200 is 40,000 yuan, since the deposit amount of 40,000 yuan is less than the threshold amount of 50,000 yuan, the second computing circuit 135 transmits the financial commodity trading system to the financial commodity trading system via the communication device 110. 300 transmits a message S2 representing the redemption of the financial product, wherein the message S2 may be a redemption amount obtained by the user for redeeming part of the financial product (for example, a financial product with a value of 6,000 yuan) and redeeming part of the financial product. The data DATA corresponding to (ie, 6,000 yuan) is stored in the financial account system 200. Therefore, the financial account system 200 has the data D2 of the remaining financial products with a value of 4,000 yuan and the deposit of 46,000 yuan.

於較佳的實施態樣中,由於四萬元的存款金額與五萬元的門檻金額之間的差額為一萬元,再加上金融商品的金額為一萬元,因此訊息S2可為使用者將全部金融商品贖回的指令。因此,金融帳戶系統200具有對應五萬元存款的資料。 In a preferred embodiment, since the difference between the deposit amount of 40,000 yuan and the threshold of 50,000 yuan is 10,000 yuan, and the amount of financial goods is 10,000 yuan, the message S2 can be used. An order to redeem all financial products. Therefore, the financial account system 200 has information corresponding to a deposit of 50,000 yuan.

應注意的是,金融商品的贖回數量可依據使用者之設定而決定,並不以前述例子為限。 It should be noted that the amount of redemption of financial products may be determined according to the user's settings, and is not limited to the foregoing examples.

藉此,當使用者的金融帳戶系統200之存款金額低於門檻金額時,金融帳戶系統200之存款金額將透過自動將金融商品贖回的方式而被補足至門檻金額,因此金融帳戶系統200之存款金額將自動地維持在門檻金額,讓使用者能夠有效地運用金融帳戶系統200之存款金額,故對於使用者而言相當方便。 Therefore, when the deposit amount of the user's financial account system 200 is lower than the threshold amount, the deposit amount of the financial account system 200 will be replenished to the threshold amount by automatically redeeming the financial product, so the financial account system 200 The deposit amount will be automatically maintained at the threshold amount, allowing the user to effectively use the deposit amount of the financial account system 200, which is quite convenient for the user.

於一實施例中,處理器130可為積體電路如微控制單元(micro controller)、微處理器(microprocessor)、數位訊息處理器(digital signal processor)、特殊應用積體電路(application specific integrated circuit,ASIC)或邏輯電路,然處理器130並不以此為限,凡是可用於設定門檻金額、申購及贖回金融商品的裝置皆屬於本揭示文件之範疇。 In one embodiment, the processor 130 can be an integrated circuit such as a micro controller, a microprocessor, a digital signal processor, or an application specific integrated circuit. , ASIC) or logic circuit, the processor 130 is not limited thereto, and any device that can be used to set the threshold amount, purchase and redeem financial products belongs to the scope of the present disclosure.

於一實施例中,金融商品為貨幣市場型基金,其具有當天贖回、次日補足之特性,因此使用者的金融帳戶系統200之存款金額能在兩天內補足至門檻金額,讓使用者可在短時間內即可運用金融帳戶系統200之存款金額。然而,金融商品並不以此為限,凡是可用於短時間內補足之金融商品皆屬於本揭示文件之範疇。 In one embodiment, the financial product is a money market fund, which has the characteristics of redemption on the day and the next day. Therefore, the deposit amount of the user's financial account system 200 can be replenished to the threshold within two days, so that the user The deposit amount of the financial account system 200 can be used in a short time. However, financial products are not limited to this. Any financial products that can be used for short-term replenishment are within the scope of this disclosure.

綜上所述,本揭示文件之金融帳戶管理系統藉由通訊電路與金融帳戶系統與金融商品交易系統通訊連接,以及藉由處理器設定門檻金額,並根據金融帳戶中的存款金額及門檻金額的關係,而透過通訊裝置自動地向金融商品交易系統傳送申購或贖回金融商品的訊息,藉此讓使用者除了能夠有效地運用 金融帳戶系統之存款金額外,多餘的金額更可進行投資,故對於使用者而言相當方便。 In summary, the financial account management system of the present disclosure communicates with the financial account system and the financial commodity trading system through the communication circuit, and sets the threshold amount by the processor, and according to the deposit amount and the threshold amount in the financial account. Relationship, and automatically transmit the information of the purchase or redemption of financial products to the financial commodity trading system through the communication device, so that the user can effectively use The deposit in the financial account system is extra, and the excess amount can be invested, so it is quite convenient for the user.

雖然本案已以實施例揭露如上,然其並非用以限定本案,任何所屬技術領域中具有通常知識者,在不脫離本案之精神和範圍內,當可作些許之更動與潤飾,故本案之保護範圍當視後附之申請專利範圍所界定者為準。 Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present invention. Anyone having ordinary knowledge in the technical field can protect the case without any deviation and refinement within the spirit and scope of the present case. The scope is subject to the definition of the scope of the patent application attached.

Claims (10)

一種金融帳戶管理系統,包含:一通訊裝置,用以與一金融帳戶系統及一金融商品交易系統通訊連接;以及一處理器,與該通訊裝置連接,其中該處理器用以透過該通訊裝置設定該金融帳戶系統的一門檻金額,並根據該金融帳戶系統中的一存款金額及該門檻金額的大小關係,而透過該通訊裝置向該金融商品交易系統傳送代表申購或贖回一金融商品的訊息。 A financial account management system comprising: a communication device for communicating with a financial account system and a financial commodity transaction system; and a processor coupled to the communication device, wherein the processor is configured to set the communication device A threshold amount of the financial account system, and transmitting, by the communication device, a message representing the purchase or redemption of a financial product to the financial commodity trading system according to the amount of the deposit in the financial account system and the size of the threshold. 如請求項1所述之金融帳戶管理系統,其中當該金融帳戶系統中的該存款金額超出該門檻金額時,該處理器透過該通訊裝置向該金融商品交易系統傳送代表申購該金融商品的訊息,並將申購該金融商品的一申購紀錄標記在該金融帳戶系統。 The financial account management system of claim 1, wherein when the deposit amount in the financial account system exceeds the threshold amount, the processor transmits a message representing the purchase of the financial product to the financial commodity trading system via the communication device And mark a purchase record for the purchase of the financial product in the financial account system. 如請求項2所述之金融帳戶管理系統,其中該處理器根據該存款金額與該門檻金額之間的一差額,而透過該通訊裝置向該金融商品交易系統傳送代表申購該金融商品的訊息。 The financial account management system of claim 2, wherein the processor transmits a message representing the purchase of the financial item to the financial commodity trading system via the communication device based on a difference between the deposit amount and the threshold amount. 如請求項1所述之金融帳戶管理系統,其中當該金融帳戶系統中的該存款金額低於該門檻金額時,該處理器透過該通訊裝置向該金融商品交易系統傳送代表贖回該 金融商品的訊息,並將贖回該金融商品所獲得的一贖回金額所對應的資料儲存至該金融帳戶系統。 The financial account management system of claim 1, wherein when the deposit amount in the financial account system is lower than the threshold amount, the processor transmits a representative redemption to the financial commodity trading system via the communication device. The financial product information, and the data corresponding to the redemption amount obtained by redeeming the financial product is stored in the financial account system. 如請求項4所述之金融帳戶管理系統,其中該處理器根據該存款金額與該門檻金額之間的一差額,而透過該通訊裝置向該金融商品交易系統傳送代表贖回該金融商品的訊息。 The financial account management system of claim 4, wherein the processor transmits a message representing the redemption of the financial product to the financial commodity trading system via the communication device according to a difference between the deposit amount and the threshold amount. . 如請求項1所述之金融帳戶管理系統,其中該處理器為一微控制單元(micro controller)、一微處理器(microprocessor)、一數位訊號處理器(digital signal processor)、一特殊應用積體電路(application specific integrated circuit,ASIC)或一邏輯電路。 The financial account management system of claim 1, wherein the processor is a micro controller, a microprocessor, a digital signal processor, and a special application integrated body. Application specific integrated circuit (ASIC) or a logic circuit. 如請求項1所述之金融帳戶管理系統,其中該金融商品為一貨幣市場型基金。 The financial account management system of claim 1, wherein the financial commodity is a money market fund. 一種金融帳戶管理系統,包含:一通訊裝置,用以與一金融帳戶系統及一金融商品交易系統通訊連接;以及一處理器,包含:一設定電路,與該通訊裝置連接,用以透過該通訊裝置設定該金融帳戶系統的一門檻金額;一第一運算電路,與該通訊裝置連接,用以當該金融帳戶系統中的一存款金額超出該門檻金額時透過該 通訊裝置向該金融商品交易系統傳送代表申購一金融商品的訊息,並將申購該金融商品的一申購紀錄標記在該金融帳戶系統;及一第二運算電路,與該通訊裝置連接,用以當該金融帳戶中的該存款金額低於該門檻金額時透過該通訊裝置向該金融商品交易系統傳送代表贖回該金融商品的訊息,並將贖回該金融商品所獲得的一贖回金額所對應的資料儲存至該金融帳戶系統。 A financial account management system comprising: a communication device for communicating with a financial account system and a financial commodity transaction system; and a processor comprising: a setting circuit coupled to the communication device for transmitting the communication The device sets a threshold amount of the financial account system; a first computing circuit is coupled to the communication device for transmitting when a deposit amount in the financial account system exceeds the threshold amount Transmitting, by the communication device, a message representing the purchase of a financial product to the financial commodity trading system, and marking a purchase record for purchasing the financial product in the financial account system; and a second computing circuit connected to the communication device for When the deposit amount in the financial account is lower than the threshold amount, the communication device transmits a message representing the redemption of the financial product to the financial commodity trading system, and corresponds to a redemption amount obtained by redeeming the financial product. The information is stored in the financial account system. 如請求項8所述之金融帳戶管理系統,其中該第一運算電路根據該存款金額與該門檻金額之間的一差額,而透過該通訊裝置向該金融商品交易系統傳送代表申購該金融商品的訊息。 The financial account management system of claim 8, wherein the first operation circuit transmits, by the communication device, a representative of the financial product to the financial commodity trading system according to a difference between the deposit amount and the threshold amount. message. 如請求項8所述之金融帳戶管理系統,其中該第二運算電路根據該存款金額與該門檻金額之間的一差額,而透過該通訊裝置向該金融商品交易系統傳送代表贖回該金融商品的訊息。 The financial account management system of claim 8, wherein the second operation circuit transmits a representative to the financial commodity transaction system to redeem the financial product according to a difference between the deposit amount and the threshold amount. Message.
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CN104574184A (en) * 2015-02-05 2015-04-29 中国农业银行股份有限公司 Fast-redemption transaction method, device and system
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TWM547714U (en) * 2016-08-05 2017-08-21 元大證券投資信託股份有限公司 Monetary fund transaction system

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104574184A (en) * 2015-02-05 2015-04-29 中国农业银行股份有限公司 Fast-redemption transaction method, device and system
TWM547714U (en) * 2016-08-05 2017-08-21 元大證券投資信託股份有限公司 Monetary fund transaction system
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