WO2017128395A1 - 提示用户资产管理时的信息推送方法及智能投资提示*** - Google Patents

提示用户资产管理时的信息推送方法及智能投资提示*** Download PDF

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Publication number
WO2017128395A1
WO2017128395A1 PCT/CN2016/072965 CN2016072965W WO2017128395A1 WO 2017128395 A1 WO2017128395 A1 WO 2017128395A1 CN 2016072965 W CN2016072965 W CN 2016072965W WO 2017128395 A1 WO2017128395 A1 WO 2017128395A1
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information
user
account
quota
customer
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PCT/CN2016/072965
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English (en)
French (fr)
Inventor
杨钰
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杨钰
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Priority to PCT/CN2016/072965 priority Critical patent/WO2017128395A1/zh
Publication of WO2017128395A1 publication Critical patent/WO2017128395A1/zh

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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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the invention belongs to the field of internet finance, and provides an information pushing method and an intelligent investment prompting system for prompting user asset management.
  • the embodiment of the invention provides an information pushing method and an intelligent investment prompting system for prompting the user asset management, 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 income, and through the use of technology to push patent information, highlighting the rights of patent (application) right holders.
  • the present invention is implemented as follows: a method for prompting user information management, including the following steps:
  • 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 information pushing unit is connected to the output end of the control unit for pushing patent information to the user.
  • the invention enables the system to find out in time whether the user has sufficient funds to manage the money, thereby adjusting the asset allocation, maximizing the profit, and pushing the patent information after using the technology. And highlight the rights of the patent (application) right holder.
  • 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. , issue information prompting the user to manage the asset, and push the patent information to the user.
  • the patent information includes, but is not limited to, the state of patent application of the technology, the patent application of the technology / Information on the right holder, the patent application number of the technology, the patent application date, and the like.
  • the patent information is editable, and can be dynamically pushed to the user according to the authorization of the patent application: the patent is being applied for, the patent authorization has been obtained, and the like.
  • the patent information is editable and can be based on patent application rights / The transfer of patent rights, dynamically pushed to the user: the current relevant rights holder of the patent.
  • the pushing manner of the patent information may adopt a small frame display, a voice display, and the like, so that the user can perceive the push mode.
  • the invention enables the system to find out in time whether the user has sufficient funds to manage the money, thereby adjusting the asset allocation, maximizing the profit, and pushing the patent information after using the technology. And highlight the rights of the patent (application) right holder.
  • 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 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;
  • the information pushing unit 25 is connected to the output end of the control unit 24 for pushing patent information to the user.
  • 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, information prompting the user to perform asset management is issued, and at the same time, the information pushing unit 25 pushes the patent information to the user.
  • the invention enables the system to find out in time whether the user has sufficient funds to manage the money, thereby adjusting the asset allocation, maximizing the profit, and pushing the patent information after using the technology. And highlight the rights of the patent (application) right holder.

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

Abstract

提供了一种提示用户资产管理时的信息推送方法及智能投资提示***，应用于互联网金融领域。所述方法包括：记录用户设定的账户资产额度信息和当前账户额度信息（S101）；读取用户设定的账户资产额度信息和当前账户额度信息（S102）；判断当前账户额度是否高于用户设定的账户资产额度（S103）；若否，视为未达到用户进行资产管理的要求，不发出提示用户进行资产管理的信息（S104）；若是，发出提示用户进行资产管理的信息，并向用户推送专利信息（S105）。通过将用户账户资金余额与用户设定的账户资金额度相匹配，让***能够及时发现用户是否有充足资金进行理财，进而调节资产配置，实现最大化收益，使用技术后推送专利信息。

Description

提示用户资产管理时的信息推送方法及智能投资提示*** 技术领域
本发明属于互联网金融 领域 ，提供了一种提示用户资产管理时的信息推送方法及智能投资提示***。
背景技术
知识产权在现在的产品和服务中越来越重要，其中主要包括著作权（版权）、商标权和专利权，这三种权利都能为权利人带来巨大的经济价值。
但与著作权、商标权不同的是，专利权的权利归属比较难以为用户所认识和辨别。比如：一个培训教材或者一部电影里面，会明确的将'版权归特定人所有'的字样告知给用户；商标也以其显著的字或图的特征，在与其他标样区别的同时，也代表着商标权人以及商标权人生产的相关产品。但专利则不然，除了如'滑动解锁'等有限几个专利外，用户很难看到某一技术就知道该技术的信息（即技术发明人、专利申请人等专利信息）。
这种情况所带来的严重后果是：
1 、专利权的保护难度大，一项好的技术出来后，马上就被复制；
2 、专利权/申请人通过专利彰显自己的产品特色的效果差，因为用户也分不清楚某一技术与专利权/申请人的联系。
综上，为充分保护本人的另外一个专利申请（名为《 根据账户资金额度匹配资产管理的方法及智能投资提示*** 》 ），让该本人的专利申请价值最大化， 特提出一个解决办法。
 技术问题
本发明实施例提供了一种提示用户资产管理时的信息推送方法及智能投资提示***，能够通过将用户账户资金余额与用户设定的账户资金额度相匹配，让***能够及时发现用户是否有充足资金进行理财，进而调节资产配置，实现最大化收益，并通过使用技术后推送专利信息，而彰显专利（申请）权人的权益。
技术解决方案
本发明是这样实现的：一种提示用户资产管理时的信息推送方法，包括以下步骤：
记录用户设定的账户资产额度信息和当前账户额度信息；
读取用户设定的账户资产额度信息和当前账户额度信息；
判断当前账户额度是否高于用户设定的账户资产额度；
若否，视为未达到用户进行资产管理的要求，不发出提示用户进行资产管理的信息；
若是，发出提示用户进行资产管理的信息，并向用户推送专利信息。
本发明实施例还提供了一种智能投资提示***，包括：
记录单元，用于记录用户设定的账户资产额度信息和当前账户额度信息；
读取单元，与记录单元的输出端相连接，用于读取用户设定的账户资产额度信息和当前账户额度信息；
判断单元，与读取单元的输出端相连接，用于判断当前账户额度是否高于用户设定的账户资产额度；
调控单元，与判断单元的输出端相连接，若当前账户额度高于用户设定的账户资产额度，则发出提示用户进行资产管理的信息；
信息推送单元，与调控单元的输出端连接，用于向用户推送专利信息。
 有益效果
该发明通过将用户账户资金余额与用户设定的账户资金额度相匹配，让***能够及时发现用户是否有充足资金进行理财，进而调节资产配置，实现最大化收益，并通过使用技术后推送专利信息，而彰显专利（申请）权人的权益。
附图说明
图 1 是本发明实施例提供的一种根据账户资金额度匹配资产管理方法 的流程示意图 ；
图 2 是本发明实施例提供的智能投资提示***的结构示意图。
 本发明的实施方式
为了使本发明的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本发明进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
图 1 是发明实施例提供的一种根据账户资金额度匹配资产管理方法的流程示意图，为了便于说明，只示出了与本发明实施例相关的部分。
在步骤 S101 中，记录用户设定的账户资产额度信息和当前账户额度信息。
记录用户设定的账户资产额度信息，需要先对该用户进行理财测试，这一测试主要考察两个方面，一是用户的风险偏好，以决定其设定额度的大小，二是考察其日常开销，保证可以随时使用的资金不会影响到其正常生活。
在步骤 S102 中，读取记录用户设定的账户资产额度信息和当前账户额度信息。
在步骤 S103 中，判断当前账户额度是否高于用户设定的账户资产额度；若否，进入步骤 S104 ，视为未达到用户进行资产管理的要求，不发出提示用户进行资产管理的信息；若是，进入步骤 S105 ，发出提示用户进行资产管理的信息，并向用户推送专利信息。
所述专利信息包括但不限于：该技术的专利申请状态，该技术的专利申请 / 权利人、该技术的专利申请号、专利申请日等信息。
所述专利信息是可编辑的，可以根据专利申请的授权与否，向用户动态推送：正在申请专利、已获得专利授权等信息。
所述专利信息是可编辑的，可以根据专利申请权 / 专利权的转让情况，向用户动态推送：该专利的当前相关的权利人。
所述专利信息的推送方式，可以采取小框显示、语音显示等让用户能够感知的推送方式。
该发明通过将用户账户资金余额与用户设定的账户资金额度相匹配，让***能够及时发现用户是否有充足资金进行理财，进而调节资产配置，实现最大化收益，并通过使用技术后推送专利信息，而彰显专利（申请）权人的权益。
图 2 是本发明实施例提供的一种智能投资提示***的结构示意图，该智能投资提示***包括：
记录单元 21 ，读取单元 22 ，判断单元 23 ，调控单元 24 ，信息推送单元 25 ，其中
记录单元 21 ，用于记录用户设定的账户资产额度信息和当前账户额度信息；
读取单元 22 ，与记录单元 21 的输出端相连接，用于读取用户设定的账户资产额度信息和当前账户额度信息；
判断单元 23 ，与读取单元 22 的输出端相连接，用于判断当前账户额度是否高于用户设定的账户资产额度；
调控单元 24 ，与判断单元 23 的输出端相连接，若当前账户额度高于用户设定的账户资产额度，则发出提示用户进行资产管理的信息；
信息推送单元 25 ，与调控单元 24 的输出端连接，用于向用户推送专利信息。
其工作原理是：记录单元 21 记录用户设定的账户资产额度信息和当前账户额度信息；读取单元 22 读取用户设定的账户资产额度信息和当前账户额度信息；判断单元 23 判断当前账户额度是否高于用户设定的账户资产额度；调控单元 24 在当前账户额度高于用户设定的账户资产额度，发出提示用户进行资产管理的信息，同时，信息推送单元 25 向用户推送专利信息。
该发明通过将用户账户资金余额与用户设定的账户资金额度相匹配，让***能够及时发现用户是否有充足资金进行理财，进而调节资产配置，实现最大化收益，并通过使用技术后推送专利信息，而彰显专利（申请）权人的权益。
以上仅为本发明的较佳实施例而已，并不用以限制本发明，凡在本发明的精神和原则之内所作的任何修改、等同替换和改进等，均应包含在本发明的保护范围之内。

Claims (2)

  1. 一种提示用户资产管理时的信息推送方法，其特征在于，所述方法包括如下步骤：
    记录用户设定的账户资产额度信息和当前账户额度信息；
    读取用户设定的账户资产额度信息和当前账户额度信息；
    判断当前账户额度是否高于用户设定的账户资产额度；
    若否，视为未达到用户进行资产管理的要求，不发出提示用户进行资产管理的信息；
    若是，发出提示用户进行资产管理的信息，并向用户推送专利信息。
  2. 一种智能投资提示***，其特征在于，所述智能投资提示***包括：
    记录单元，用于记录用户设定的账户资产额度信息和当前账户额度信息；
    读取单元，与记录单元的输出端相连接，用于读取用户设定的账户资产额度信息和当前账户额度信息；
    判断单元，与读取单元的输出端相连接，用于判断当前账户额度是否高于用户设定的账户资产额度；
    调控单元，与判断单元的输出端相连接，若当前账户额度高于用户设定的账户资产额度，则发出提示用户进行资产管理的信息；
    信息推送单元，与调控单元的输出端连接，用于向用户推送专利信息。
PCT/CN2016/072965 2016-01-30 2016-01-30 提示用户资产管理时的信息推送方法及智能投资提示*** WO2017128395A1 (zh)

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US11087402B2 (en) 2017-12-29 2021-08-10 Advanced New Technologies Co., Ltd. Method and device for pushing information and method and device for determining default input value

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CN101908179A (zh) * 2010-08-17 2010-12-08 中国建设银行股份有限公司 跨行资金账户归集管理方法
CN102999865A (zh) * 2012-11-16 2013-03-27 惠州Tcl移动通信有限公司 管理存款的方法以及装置
CN102999866A (zh) * 2012-12-10 2013-03-27 中国民生银行股份有限公司 资金归集方法和***
CN104025134A (zh) * 2011-12-28 2014-09-03 乐天株式会社 电子货币管理装置、电子货币管理方法、电子货币管理程序、以及存储该程序的计算机可读取的存储介质

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CN101908179A (zh) * 2010-08-17 2010-12-08 中国建设银行股份有限公司 跨行资金账户归集管理方法
CN104025134A (zh) * 2011-12-28 2014-09-03 乐天株式会社 电子货币管理装置、电子货币管理方法、电子货币管理程序、以及存储该程序的计算机可读取的存储介质
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CN102999866A (zh) * 2012-12-10 2013-03-27 中国民生银行股份有限公司 资金归集方法和***

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11087402B2 (en) 2017-12-29 2021-08-10 Advanced New Technologies Co., Ltd. Method and device for pushing information and method and device for determining default input value

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