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TWM576703U - Management system for financial records - Google Patents

Management system for financial records Download PDF

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Publication number
TWM576703U
TWM576703U TW107213893U TW107213893U TWM576703U TW M576703 U TWM576703 U TW M576703U TW 107213893 U TW107213893 U TW 107213893U TW 107213893 U TW107213893 U TW 107213893U TW M576703 U TWM576703 U TW M576703U
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Taiwan
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financial
management system
user
records
record
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TW107213893U
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Chinese (zh)
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黃建華
李曜旭
陳齡修
黃榮照
顏佑全
李振維
邱馨儀
蔡沛時
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寶碩財務科技股份有限公司
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Priority to TW107213893U priority Critical patent/TWM576703U/en
Publication of TWM576703U publication Critical patent/TWM576703U/en

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Abstract

The disclosure is related to a management system for financial records. The system provides a financial management platform that is implemented by a computer system and network technology. The management system records the various financial records using decentralized ledgers through blockchain technology. For example, the financial records can be practical transaction records using various financial tools, finance-related certificates, achievements in various trading competitions, and/or even the transaction records in a virtual exchange. The blockchain technology allows the financial management platform to obtain the financial records of the system subscribers after verification in the blockchain. After characteristics analysis and classification performed to the records, an individual investment property can be formed and a talent indicator database can be established in the financial management platform.

Description

金融記錄管理系統 Financial record management system

說明書公開一種記錄管理系統,特別是一種利用區塊鏈技術記錄個人金融記錄的電腦實現的管理系統。 The specification discloses a record management system, and more particularly a computer-implemented management system for recording personal financial records using blockchain technology.

一般金融機構應徵人才時,會以每個應徵者過去的學經歷、證照等為依據決定是否錄取,然而,相關人資專員僅能依據應徵者提出的書面資料判斷,無法有效防備可能造假的資訊,同時,也沒有特定公正而不會被竄改的資訊來源可供相關業者參考與查詢。 When a general financial institution applies for talents, it will decide whether to accept the applicant based on the past academic experience and license of each applicant. However, the relevant personnel can only judge according to the written information submitted by the applicant, and cannot effectively prevent the information that may be fraudulent. At the same time, there is no specific information source that is fair and will not be tampered with for reference and inquiry by relevant industry.

說明書公開一種金融記錄管理系統,這是一個以電腦系統實現的管理系統,當中形成的金融記錄將以區塊鏈技術形成分散式記錄,並在系統需要時,通過區塊鏈網路上各節點驗證後取得金融記錄,可以提供公正而無法竄改的金融記錄。 The specification discloses a financial record management system, which is a management system implemented by a computer system, in which financial records formed will be decentralized records by blockchain technology, and verified by nodes on the blockchain network when the system requires it. After obtaining financial records, you can provide financial records that are fair and cannot be tampered with.

根據實施例,提出一電腦系統實現的金融記錄管理系統,系統包括一雲端伺服器,用以實現金融管理平台,可自區塊鏈網路上通過驗證後取得系統用戶的金融記錄,可用以媒合終端使用者通過使用者介面提出的需求。 According to an embodiment, a financial record management system implemented by a computer system is provided. The system includes a cloud server for implementing a financial management platform, and the financial record of the system user can be obtained through verification on the blockchain network, and can be used for mediation. The needs of the end user through the user interface.

金融管理平台中設有以雲端伺服器的處理器與記憶體實現的 多個模組,其中包括使用者識別模組,用以處理自區塊鏈網路得到的金融記錄,並賦予一使用者識別標籤,以識別各系統用戶;一特徵分析模組,用以分析從自區塊鏈網路得到的金融記錄,以得出對應使用者識別標籤的個別投資特徵;一屬性分類模組,可根據特徵分析模組的分析結果進行分類,以判斷對應使用者識別標籤的個別金融屬性;以及一標籤生成模組,用以設定標籤以標註各系統用戶的個別投資特徵與個別金融屬性。 The financial management platform is provided with a processor and a memory of the cloud server. A plurality of modules, including a user identification module, for processing financial records obtained from the blockchain network, and assigning a user identification tag to identify each system user; a feature analysis module for analyzing The financial records obtained from the blockchain network are used to derive individual investment features corresponding to the user identification tags; an attribute classification module can be classified according to the analysis results of the feature analysis module to determine the corresponding user identification tags. Individual financial attributes; and a tag generation module for setting tags to label individual investment characteristics and individual financial attributes of each system user.

系統更包括以一儲存媒體實現的人才指標資料庫,其中儲存自區塊鏈網路中取得經過驗證而不可竄改的金融記錄,以形成提供搜尋的資料庫。 The system further includes a database of talent indicators implemented in a storage medium, wherein the verified financial records are obtained from the blockchain network to form a database for providing search.

進一步地,上述的金融記錄可包括一使用者與一理財機器人的金融記錄,而金融記錄例如實際交易記錄、金融相關證照、交易競賽的成績以及在虛擬交易所的成績。 Further, the financial records described above may include financial records of a user and a financial robot, and financial records such as actual transaction records, financial related licenses, performances of trading contests, and achievements in virtual exchanges.

在一實施例中,所述的金融記錄管理系統更可包括一記錄主機,這是用來取得金融記錄,並發布至區塊鏈網路上。 In an embodiment, the financial record management system may further include a record host for obtaining financial records and publishing to the blockchain network.

為了能更進一步瞭解本創作為達成既定目的所採取之技術、方法及功效,請參閱以下有關本創作之詳細說明、圖式,相信本創作之目的、特徵與特點,當可由此得以深入且具體之瞭解,然而所附圖式僅提供參考與說明用,並非用來對本創作加以限制者。 In order to further understand the techniques, methods and effects of this creation in order to achieve the intended purpose, please refer to the following detailed descriptions and diagrams of this creation. I believe that the purpose, characteristics and characteristics of this creation can be deepened and specific. It is understood that the drawings are only for the purpose of illustration and description and are not intended to limit the invention.

101‧‧‧實際交易記錄 101‧‧‧ Actual transaction records

102‧‧‧金融相關證照 102‧‧‧Financial related license

103‧‧‧交易競賽的成績 103‧‧‧ Results of the trading competition

12‧‧‧記錄主機 12‧‧‧ Recording host

11‧‧‧區塊鏈網路 11‧‧‧ Blockchain network

111‧‧‧第一虛擬交易所 111‧‧‧First Virtual Exchange

112‧‧‧第二虛擬交易所 112‧‧‧Second Virtual Exchange

10‧‧‧金融管理平台 10‧‧‧Financial Management Platform

151,152,153‧‧‧終端使用者 151,152,153‧‧‧End users

15‧‧‧網路 15‧‧‧Network

212‧‧‧客戶端 212‧‧‧Client

214‧‧‧網際網路 214‧‧‧Internet

208‧‧‧虛擬交易所 208‧‧‧virtual exchange

21‧‧‧網頁伺服器 21‧‧‧Web server

23‧‧‧投資伺服器 23‧‧‧Investment Server

25‧‧‧即時資料伺服器 25‧‧‧ Instant data server

27‧‧‧當日資料庫伺服器 27‧‧‧Day database server

29‧‧‧歷史資料庫伺服器 29‧‧‧Historical database server

210‧‧‧儲存媒體 210‧‧‧Storage media

22‧‧‧當日資料庫 22‧‧‧Day database

24‧‧‧歷史資料庫 24‧‧‧Historical database

32‧‧‧模型訊號配對模組 32‧‧‧Model Signal Matching Module

301‧‧‧輸出結果 301‧‧‧ Output results

31‧‧‧歷史模型 31‧‧‧ Historical model

33‧‧‧系統產生模型 33‧‧‧System generated model

35‧‧‧即時市場模型 35‧‧‧ Instant market model

37‧‧‧外部因素模型 37‧‧‧External factor model

303,305,307,309‧‧‧模型參數 303, 305, 307, 309‧‧‧ model parameters

401‧‧‧使用者識別模組 401‧‧‧User Identification Module

402‧‧‧特徵分析模組 402‧‧‧Characteristic Analysis Module

403‧‧‧屬性分類模組 403‧‧‧Attribute Classification Module

404‧‧‧標籤生成模組 404‧‧‧Label generation module

51‧‧‧理財機器人資料庫 51‧‧‧Financial Robot Database

52‧‧‧理財機器人應用程式介面 52‧‧‧Financial Robot Application Interface

53‧‧‧虛擬交易所應用程式介面 53‧‧‧Virtual Exchange Application Interface

54‧‧‧虛擬交易所資料庫 54‧‧‧Virtual Exchange Database

55‧‧‧人才指標資料庫 55‧‧‧ Talent Indicators Database

56‧‧‧個人理財屬性應用程式介面 56‧‧‧ Personal Financial Properties Application Interface

501‧‧‧一般使用者 501‧‧‧General users

503‧‧‧交易專家 503‧‧‧Transaction specialist

圖1所示的金融記錄管理系統的架構實施例示意圖;圖2所示虛擬交易所的實施例示意圖;圖3所示為提供交易競賽並產生成績的相關系統架構示意圖;圖4接著描述金融管理平台的運作實施例示意圖;圖5顯示金融記錄管理系統形成人才指標資料庫的實施例示意圖。 FIG. 1 is a schematic diagram of an embodiment of a financial record management system; FIG. 2 is a schematic diagram of an embodiment of a virtual exchange; FIG. 3 is a schematic diagram of a related system architecture for providing a transaction competition and generating results; FIG. Schematic diagram of the operation example of the platform; FIG. 5 shows a schematic diagram of an embodiment of the financial record management system forming a talent indicator database.

揭露書有關一種金融記錄管理系統,這是一個通過區塊鏈技術建立各種金融記錄以形成個人金融記錄與人才指標資料庫的管理系統,系統提出一電腦系統結合網路技術實現的金融管理平台,並通過區塊鏈(Blockchain)技術以分散式記帳(Decentralized ledgers)的方式記錄個人在金融方面的各種記錄,讓終端使用者可以通過金融管理平台搜尋並取得所需要的金融人才,而區塊鏈技術則是可以保障各種個人金融方面的技術不被竄改,並被安全保密,據此建立的人才資料庫能夠更公正與廣泛地提供使用各種金融工具的人才資料。 The disclosure book relates to a financial record management system, which is a management system for establishing various financial records through blockchain technology to form a personal financial record and talent index database, and proposes a financial management platform realized by a computer system combined with network technology. Through the blockchain technology, Decentralized ledgers are used to record individual financial records, so that end users can search and obtain the required financial talents through the financial management platform. The technology can protect all kinds of personal financial technologies from being tampered with and kept secret. The talent database thus established can provide more talented and widely available talent materials using various financial instruments.

根據金融記錄管理系統的目的之一,利用區塊鏈技術記錄金融記錄可以包括個人(或理財機器人)成就(投資比賽(名次、等級))、學習成果(證書、名次)、實際運作結果、虛擬交易的結果等,這些記錄在區塊鏈網路上形成不可竄改的記錄,讓金融記錄管理系統可以經由驗證而取得,成為人才庫的一部分,因此,金融記錄管理系統也成為金融媒合人才與理財專家的平台。 According to one of the purposes of the financial record management system, the use of blockchain technology to record financial records can include personal (or financial robot) achievements (investment competitions (name, rank)), learning outcomes (certificates, rankings), actual operational results, virtual The results of the transaction, etc., these records form a non-tamperable record on the blockchain network, so that the financial record management system can be obtained through verification and become part of the talent pool. Therefore, the financial record management system also becomes a financial media talent and financial management. Expert platform.

舉例來說,可參考圖1所示的金融記錄管理系統的架構實施例示意圖,所述金融記錄例如個人(一般人、專家,不排除可為理財機器人)使用各種金融工具的實際交易記錄101、金融相關證照102,以及在各種交易競賽的成績103,亦可包括個人在虛擬交易所的交易記錄以及受訓的成績,且並不限於此處列舉的金融記錄。金融記錄管理系統可以設置一電腦系統實現的記錄主機12,用以取得這類個人或理財機器人的金融記錄,並可包括個人或理財機器人參與其他虛擬交易所產生的金融記錄。記錄主機12可為參與一特定區塊鏈網路11的區塊鏈節點之一,用以在特定區塊鏈技術下將金融記錄散布於參與此區塊鏈網路11的節點上,形成分散式記錄。 For example, reference may be made to the schematic diagram of an architectural embodiment of the financial record management system shown in FIG. 1. The financial record, such as an individual (a general person, an expert, does not exclude a financial robot that can be used for a financial operation robot), uses actual transaction records of various financial instruments 101, and financial Relevant licenses 102, as well as scores 103 in various trading competitions, may also include individual transactions in virtual exchanges and training scores, and are not limited to the financial records listed herein. The financial records management system may be provided with a computer system-implemented recording host 12 for obtaining financial records of such personal or financial robots, and may include financial records generated by individuals or financial robots participating in other virtual transactions. The recording host 12 may be one of the blockchain nodes participating in a specific blockchain network 11 for distributing financial records on nodes participating in the blockchain network 11 under a specific blockchain technique to form a distributed Record.

在此實施例中,金融記錄管理系統更可通過區塊鏈網路11取 得各種虛擬交易所111與112所產生的金融記錄,此例顯示有第一虛擬交易所111與第二虛擬交易所112,可以直接參與相同區塊鏈網路11的節點,因此可根據此特定區塊鏈技術將虛擬交易所產生的記錄(如個人的虛擬交易成果、排行等)散布出去,在各區塊鏈節點上形成分散式記錄。 In this embodiment, the financial record management system can be accessed through the blockchain network 11. The financial records generated by the various virtual exchanges 111 and 112, this example shows the first virtual exchange 111 and the second virtual exchange 112, which can directly participate in the nodes of the same blockchain network 11, and thus can be specified according to this Blockchain technology spreads records generated by virtual transactions (such as individual virtual transaction results, rankings, etc.) and forms decentralized records on each blockchain node.

系統設一雲端伺服器,以此實現一金融管理平台10,通過區塊鏈技術,金融管理平台10可以自區塊鏈網路11上通過驗證後以取得金融記錄,之後可以在金融管理平台10中運行的軟體程序執行特徵分析與分類等處理,以形成個人的投資屬性,再利用金融記錄管理系統中一儲存媒體實現並建立一人才指標資料庫,此目的之一是要媒合終端使用者通過平台提供的使用者介面(如網頁、應用程式介面)提出的需求,包括人才查詢、專家查詢等。這些個人投資屬性與人才資料都可成為終端使用者151、152與153搜尋的資料庫。 The system is provided with a cloud server to implement a financial management platform 10. Through the blockchain technology, the financial management platform 10 can pass the verification on the blockchain network 11 to obtain financial records, and then can be used in the financial management platform 10 The running software program performs feature analysis and classification processing to form individual investment attributes, and then uses a storage medium in the financial record management system to implement and build a talent index database. One of the purposes is to match the terminal users. The requirements of the user interface (such as web page, application interface) provided by the platform, including talent inquiry and expert inquiry. These personal investment attributes and talent data can be used as a database for end users 151, 152 and 153.

舉例來說,經金融管理平台10的資料處理之後,建立人才指標資料庫(未示於本圖中),其中記載每個個人經分析後的投資屬性以及個人成就,成為終端使用者151、152與153搜尋投資相關人才的資料庫。終端使用者151、152與153將可通過網路15連接到金融管理平台10,通過金融管理平台10提供的網頁或特定應用程式介面搜尋記錄在區塊鏈網路11各節點上的金融記錄。 For example, after the data processing of the financial management platform 10, a database of talent indicators (not shown in the figure) is established, in which each individual's analyzed investment attributes and personal achievements are recorded, and become end users 151, 152. A database of 153 search-related talents. The end users 151, 152 and 153 will be able to connect to the financial management platform 10 via the network 15 and search for financial records recorded on the nodes of the blockchain network 11 via web pages or application specific interfaces provided by the financial management platform 10.

上述虛擬交易所為一種根據買賣股票、債券或是其他投資的規則建立的一種伺服器與軟體實現的虛擬交易系統,是可以讓一般人學習與訓練成為交易員的工具。當有人想要學習時,除了直接進入市場買賣之外,可以通過虛擬交易所提供的模擬理財環境的工具執行類似實際交易的買賣來學習各種投資工具。 The virtual exchange is a virtual transaction system implemented by a server and software based on the rules for buying and selling stocks, bonds or other investments. It is a tool that allows ordinary people to learn and train as traders. When someone wants to learn, in addition to directly entering the market, they can learn various investment tools through the simulation of the financial management environment provided by the virtual exchange.

電腦軟體實現的虛擬交易所可參考圖2所示虛擬交易所的實施例示意圖,圖示為電腦系統實現的虛擬交易所208中的各主要元件,包括以軟體與硬體實現的元件。 For a virtual transaction implemented by the computer software, reference may be made to the schematic diagram of the embodiment of the virtual exchange shown in FIG. 2, which is illustrated as the main components in the virtual exchange 208 implemented by the computer system, including components implemented by software and hardware.

虛擬交易所208為一電腦伺服器實現的虛擬交易服務,在此系統中同樣可為參與區塊鏈網路的其中之一節點,讓使用者由客戶端212經網際網路214進入,經登入認證後,可使用其中各種投資理財的資訊與模擬環境。虛擬交易所208中具有一些伺服器,如即時資料伺服器25,此為由外部資源擷取當下投資市場中即時的交易資訊,並轉換為電腦系統可讀取的資訊,再繼續傳遞至當日資料庫伺服器27,經判讀後將其中有用的部份儲存於儲存媒體210中的當日資料庫22。這些儲存的即時交易資訊可包括當日交易的各種股匯市訊息,若資料已超過某特定期限時(如一天),則應經由歷史資料庫伺服器29收集後,儲存於儲存媒體210中的歷史資料庫24。 The virtual exchange 208 is a virtual transaction service implemented by a computer server. In this system, one of the nodes participating in the blockchain network can also be accessed by the client 212 via the Internet 214. After the certification, you can use the information and simulation environment of various investment and wealth management. The virtual exchange 208 has some servers, such as the real-time data server 25, which extracts the real-time transaction information in the current investment market from external resources, and converts it into information that can be read by the computer system, and then continues to transmit the data to the current day. The library server 27 stores the useful portions thereof in the current day database 22 in the storage medium 210 after the interpretation. The stored real-time transaction information may include various stock exchange information of the day trade, and if the data has exceeded a certain period of time (such as one day), the historical data stored in the storage medium 210 after being collected by the historical database server 29 Library 24.

投資伺服器13為多人註冊使用的管理伺服器,即時資料伺服器25的資料傳遞至投資伺服器23,讓使用者可以經由投資伺服器13取得即時市場資訊,作為模擬市場的用途,可以透過這些模擬環境學習到各種投資工具,達到教育訓練與認證的目的。 The investment server 13 is a management server for multi-person registration, and the data of the real-time data server 25 is transmitted to the investment server 23, so that the user can obtain real-time market information through the investment server 13, which can be used as a simulation market. These simulation environments learn a variety of investment tools to achieve educational training and certification purposes.

如此,所述虛擬交易所111與112產生的金融記錄(如個人或理財機器人虛擬交易成果、排行)將以區塊鏈技術記錄在區塊鏈網路11上的各節點中,使得金融管理平台10可以自區塊鏈網路11驗證而取得系統用戶的個別金融記錄。 In this way, the financial records generated by the virtual exchanges 111 and 112 (such as personal or financial robot virtual transaction results, ranking) will be recorded in the nodes on the blockchain network 11 by blockchain technology, so that the financial management platform 10 can obtain individual financial records of the system user from the verification of the blockchain network 11.

上述個人金融技術中包括一種交易競賽的成績103,此為使用者參與各種交易競賽的成績記錄,例如分數或排行,這類交易競賽為執行於一電腦模擬的虛擬投資環境中,讓參與競賽的人根據舉辦競賽的人設定的各種投資環境參數下進行投資交易,最後可根據一段時間運作的績效作為個人的成績。 The above personal financial technology includes a result of a trading competition 103, which is a record of the user's participation in various trading competitions, such as scores or rankings. Such trading competitions are executed in a virtual environment of computer simulation, allowing participation in the competition. The person conducts investment transactions according to various investment environment parameters set by the person holding the competition, and finally can perform personal performance based on the performance of the period of operation.

相關實施例可參考圖3所示為提供交易競賽並產生成績的相關系統架構示意圖,根據這個提供交易競賽服務的系統概念,設有一模型訊號配對模組32,這是接收各使用者端(使用者一、使用者二、使用者三與使用者四等)的輸入訊號,此時,引入一或 複數個訊號模型(Pattern),經過引入之訊號模型套入使用者端產生的訊號上,可以在一段時間內模擬出歷史上的某個時段、或是加入各種外在因素、或是引入即使市場的波動數據、甚至是管理人自行設計的狀況,產生結果301,藉以考驗出各使用者所執行的任何投資。 Related Embodiments Referring to FIG. 3, a schematic diagram of a related system architecture for providing a trading contest and generating a score is shown. According to the system concept for providing a trading contest service, a model signal pairing module 32 is provided, which is to receive each user terminal (using Input signal of user 1, user 3, user 4, etc., at this time, introduce one or A plurality of signal patterns are introduced into the signal generated by the user terminal through the introduced signal model, which can simulate a certain period of time in a period of time, or add various external factors, or introduce even the market. The volatility data, even the manager's own design, produces a result 301 that tests any investment performed by each user.

此例中,歷史模型31提供複數個歷史上特定時段之波動數據,比如歷史上某年的波動數據,或是某個歷史事件,如圖中顯示模型參數(303)的各年度或是單一事件。系統產生模型33讓管理人可以自行設定一或複數個特定時段之波動數據,也就是如圖中顯示管理人所產生的模型參數(305),藉以考驗使用者面對此虛擬狀況的投資能力。即時市場模型35用以引入即時市場之波動數據,比如即時的股票市場或債券市場(307)相關的波動。再有一外部因素模型37,也就是引入特定事件,比如模型參數(309)所表示的政治、經濟、氣候等主客觀事件產生的波動數據,其他還可如商品/產品的即時報價、選舉民調等。 In this example, the historical model 31 provides a plurality of historically fluctuating data for a specific time period, such as fluctuation data for a certain year in history, or a historical event, such as each year or a single event showing model parameters (303). . The system generation model 33 allows the manager to set one or more specific time period fluctuation data, that is, the model parameters (305) generated by the manager in the figure, thereby testing the user's ability to invest in the virtual situation. The real-time market model 35 is used to introduce real-time market volatility data, such as real-time stock market or bond market (307) related volatility. There is another external factor model 37, which is to introduce specific events, such as the fluctuation data generated by subjective and objective events such as political, economic, and climate represented by model parameters (309). Others may also be real-time quotes for goods/products, election polls. Wait.

透過上述提供交易競賽服務的系統的機制,可以讓參與競賽的人可以在各種市場狀況與模擬各種主客觀因素中交易股票、債券等投資標的,除了引用歷史事件外,還可包括政治環境與氣候等變數,得出交易競賽的最後輸出結果301,也就是反映出個人的成績。 Through the above-mentioned mechanism for providing trading competition services, participants in the competition can trade stocks, bonds and other investment targets in various market conditions and simulate various subjective and objective factors, in addition to citing historical events, including political environment and climate. The equal variable is used to derive the final output 301 of the trading contest, which is to reflect the individual's score.

在揭露書提出的金融記錄管理系統中,通過區塊鏈技術記錄的金融記錄可包括有實際交易記錄101、金融相關證照102,以及交易競賽的成績103,還可包括虛擬交易所(111,112)提供的個人記錄。 In the financial record management system proposed by the disclosure, the financial record recorded by the blockchain technology may include the actual transaction record 101, the financial related license 102, and the score 103 of the trading contest, and may also include the virtual exchange (111, 112). Personal record.

圖4接著描述金融管理平台的運作實施例示意圖。 Figure 4 then depicts a schematic diagram of an operational embodiment of the financial management platform.

圖中顯示在金融記錄管理系統中的金融管理平台10的實施方式之一,其中包括多個以軟體配合硬體實現的功能,如以雲端伺服器中處理器、記憶體、通訊電路等元件實現的功能模組,能夠 將自區塊鏈網路11取得的金融記錄經過識別化處理,建立個人金融記錄的資料庫,進一步形成人才指標資料庫,可供終端使用者151,152,153搜尋人才或是對應特定需求之用。 The figure shows one of the implementations of the financial management platform 10 in the financial record management system, which includes a plurality of functions implemented by software and hardware, such as a processor, a memory, a communication circuit and the like in the cloud server. Functional module capable of The financial records obtained from the blockchain network 11 are identified and processed, and a database of personal financial records is established to further form a database of talent indicators for the end users 151, 152, 153 to search for talents or to meet specific needs.

運行於金融管理平台10的功能模組如圖所示,包括使用者識別模組401、特徵分析模組402、屬性分類模組403與標籤生成模組404。 The function module running on the financial management platform 10 includes a user identification module 401, a feature analysis module 402, an attribute classification module 403, and a tag generation module 404.

其中,使用者識別模組401用以處理自區塊鏈網路11得到的金融記錄,如上述實際交易記錄101、金融相關證照102,以及在各種交易競賽的成績103,並可包括第一虛擬交易所111與第二虛擬交易所112取得的個人金融記錄,並賦予使用者識別標籤,以識別各系統用戶,也處理終端使用者(151,152,153)提出搜尋的條件以得出對應的使用者,可為某個一般使用者或是專家。系統主要以使用者識別標籤識別這些使用者、專家或是理財機器人,並為終端使用者查詢的依據之一。 The user identification module 401 is configured to process the financial records obtained from the blockchain network 11, such as the actual transaction record 101, the financial related license 102, and the score 103 in various trading contests, and may include the first virtual The personal financial record obtained by the exchange 111 and the second virtual exchange 112, and the user is identified with a label to identify each system user, and the terminal user (151, 152, 153) also processes the search conditions to obtain the corresponding user. For a general user or an expert. The system mainly uses the user identification tag to identify these users, experts or financial robots, and is one of the basis for the end user to query.

接著特徵分析模組402則是從自區塊鏈網路11得到的金融記錄分析得出對應使用者識別標籤的個別投資特徵,可以根據特徵分析模組402的分析結果通過屬性分類模組403分類,以判斷對應使用者識別標籤的個別金融屬性。在執行屬性分類時,可以從個人在虛擬交易、真實交易分析得出交易特徵,以此特徵分析的結果判斷出個人理財的風險屬性,是長線、短線交易、保守型、保守穩健型、穩健型、穩健積極型,還是積極型。 Then, the feature analysis module 402 obtains the individual investment features corresponding to the user identification tag from the financial record analysis obtained from the blockchain network 11, and can be classified by the attribute classification module 403 according to the analysis result of the feature analysis module 402. To determine the individual financial attributes of the corresponding user identification tag. When performing attribute classification, the transaction characteristics can be derived from the individual's virtual transaction and real transaction analysis. The result of the feature analysis is used to judge the risk attribute of personal wealth management, which is long-term, short-term trading, conservative, conservative and stable, and robust. Steady and positive, or positive.

例如,可以根據某人在某段時間的投資組合分析得出此人的投資傾向,如以股票、基金、債券、期貨或是特定投資標的為主,並可根據其中操作的方法判斷此人為穩健型投資人、保守型投資人、積極型投資人或是混合這些投資形式的投資人。 For example, the investment tendency of a person may be based on a portfolio analysis of a certain period of time, such as stocks, funds, bonds, futures, or specific investment targets, and may be judged to be robust according to the method of operation therein. Investors, conservative investors, active investors or investors who mix these forms of investment.

這些分析與分類結果都成為標籤生成模組404對各系統用戶(包括個人與理財機器人)標記標籤,設定標籤以標註各使用者的個別投資特徵與個別金融屬性,成為終端使用者在金融管理平 台10搜尋的依據。 These analysis and classification results are all tagged by the tag generation module 404 for each system user (including personal and financial robots), and the tags are set to mark the individual investment characteristics and individual financial attributes of each user, and become the end user in the financial management. The basis for the search of the station 10.

揭露書提出的金融記錄管理系統的目的之一是能自區塊鏈網路中取得經過驗證而不可竄改的金融記錄,以能形成提供搜尋的人才指標資料庫,而其中金融記錄同樣可包括個人與理財機器人產生的金融記錄。相關實施例可參考圖5所示的示意圖。 One of the purposes of the financial record management system proposed in the disclosure is to obtain a verified and falsified financial record from the blockchain network, so as to form a database of talent indicators for providing search, wherein the financial record can also include individuals. Financial records generated with financial robots. The related embodiment can refer to the schematic diagram shown in FIG. 5.

在金融記錄管理系統中,可以設有理財機器人應用程式介面52,此為一種界接特定服務或資訊的應用程式介面(Application Programming Interface,API),此例中,金融記錄管理系統即通過理財機器人應用程式介面52連結理財機器人資料庫51,應用其中的演算法執行交易下單,特別是通過虛擬交易所應用程式介面53界接到虛擬交易所資料庫54,可以實現虛擬交易所,讓理財機器人使用其中的虛擬資料進行交易,產生的成果成為金融記錄,甚至理財機器人也參與競賽而產生金融記錄,成為人才指標資料庫55的一部分。 In the financial record management system, a wealth management robot application interface 52 may be provided, which is an application programming interface (API) that interfaces with a specific service or information. In this example, the financial record management system passes the financial operation robot. The application interface 52 is linked to the wealth management robot database 51, and the algorithm is used to execute the transaction order, in particular, the virtual exchange application library interface 54 is connected to the virtual exchange database 54 to implement the virtual exchange and the financial operation robot. Using the virtual data to conduct transactions, the resulting results become financial records, and even financial robots participate in the competition to generate financial records, which become part of the talent indicator database 55.

更者,記錄在區塊鏈網路11上的各種金融記錄,金融記錄理財系統通過一個人理財屬性應用程式介面56,可以將區塊鏈上的記錄形成人才指標資料庫55中的資料。 Moreover, the various financial records recorded on the blockchain network 11 can be formed by the financial record management system through the one-person financial property application interface 56 to form the records in the talent index database 55.

圖中顯示的實施例中,交易專家503在此系統中可以通過虛擬交易所應用程式介面53參與虛擬交易,而一般使用者501可以通過上述金融管理平台查詢在區塊鏈網路11中的交易專家503,系統可以通過一傳訊主機(未示於本圖)主動將理財資訊(買賣、投資組合)等資訊推播至追隨某交易專家的系統用戶,使得使用者可以藉由虛擬交易所應用程式介面53跟隨交易專家503或特定的個人或理財機器人在虛擬交易所執行交易。 In the embodiment shown in the figure, the transaction expert 503 can participate in the virtual transaction through the virtual exchange application interface 53 in this system, and the general user 501 can query the transaction in the blockchain network 11 through the above financial management platform. Expert 503, the system can actively push financial information (sales, investment, portfolio) and other information to a system user following a transaction expert through a communication host (not shown in this figure), so that the user can use the virtual exchange application program. The interface 53 follows the transaction expert 503 or a particular individual or financial robot to execute the transaction at the virtual exchange.

值得一提的是,金融記錄管理系統中通過區塊鏈記錄的金融記錄可以成為個人的成就指標,平台可提供積分制度,個人積分如同一種威望值,當累積到一定能力(例如達到系統設定的門檻)時,一般使用者都可歸類成交易專家,成為其他人投資理財的跟 隨對象。 It is worth mentioning that the financial records recorded in the financial record management system through the blockchain can be an indicator of individual achievement. The platform can provide a point system. Personal points are like a prestige value, when accumulated to a certain level (for example, system setting) At the threshold, the average user can be classified as a trading expert and become the other person to invest in financial management. With the object.

在此列舉應用金融記錄管理系統的實施範例。 An example of the implementation of an applied financial record management system is listed here.

[第一實施例] [First Embodiment]

A使用者對於金融市場有興趣,但對於金融操作尚無經驗。進入揭露書提出的金融記錄管理系統之後,可以通過金融管理平台中屬性分析機制得出個人的投資屬性,若分析出來為保守型,金融記錄管理系統將依據A使用者的理財屬性結果,建議A使用者幾位保守型的專家,依據這幾位專家的威望值,A使用者挑選了其中一位E專家,作為A使用者的觀察對象。期間,金融記錄管理系統可以定時通知A使用者,經過一陣子的觀察,A使用者發現E專家的操作模式十分符合理想中的操作方法,於是A使用者通過金融管理平台登記追隨E專家的指令。這使得E專家的威望值再度提升。而A使用者因著追隨E專家的過程中,對於E專家的操作模式越來越熟悉,因此在不同的虛擬競賽中,也取得相當好的成績。因此,A使用者自己也累積了不低的威望值。同時,A使用者的交易軌跡,由平台記錄到系統中人才指標資料庫中的資料庫當中。 A users are interested in financial markets but have no experience with financial operations. After entering the financial record management system proposed in the disclosure book, the personal investment attribute can be obtained through the attribute analysis mechanism in the financial management platform. If the analysis is conservative, the financial record management system will recommend A based on the financial attribute result of the A user. The user has several conservative experts. According to the prestige value of these experts, the A user selects one of the E experts as the observation object of the A user. During the period, the financial record management system can notify the A user regularly. After a while, the A user finds that the operation mode of the E expert is in line with the ideal operation method, so the A user registers the instruction following the E expert through the financial management platform. . This makes the E-expert's prestige value rise again. The A user is more and more familiar with the operation mode of the E expert in the process of following the E expert, so he has achieved quite good results in different virtual competitions. Therefore, the A user himself has accumulated a low prestige value. At the same time, the transaction trajectory of the A user is recorded by the platform into the database in the talent indicator database in the system.

[第二實施例] [Second embodiment]

前例的A使用者經過數次的競賽之後,累積的威望值到一定門檻,被金融管理平台升等為專家等級,成為A專家。因此,B使用者、C使用者都對於A專家的操作模式感興趣。A專家成為B與C使用者所追隨的專家,也因此累積更多的威望值。A專家的操作模式經過平台不斷檢視,發現A專家的個人理財屬性已經不符合最初判定的保守型的類型,因此通知A專家他的交易屬性已經被標註為穩健型。這因此吸引了D使用者的注意,開始追隨A專家。 After several competitions in the previous example, the accumulated user's prestige value reached a certain threshold, and was upgraded to an expert level by the financial management platform, becoming an A expert. Therefore, both the B user and the C user are interested in the mode of operation of the A expert. A expert becomes an expert that B and C users follow, and therefore accumulates more prestige. The operation mode of the A expert is continuously checked through the platform, and it is found that the personal financial property of the A expert has not met the conservative type originally determined, so the A expert is notified that his transaction attribute has been marked as robust. This therefore attracted the attention of D users and began to follow A experts.

綜上所述,說明書公開一種記錄管理系統,系統應用了區塊鏈技術記錄個人在投資理財上的成就,當成就累積到一定程度 時,成為交易專家,記錄在區塊鏈上的金融記錄也可以是理財機器人通過演算法在真實或虛擬交易所形成的交易記錄,當平台提供積分制度,積分愈高,專家指數愈高,所提出的理財(投資組合、買賣點)的建議將有更多人跟隨,積分也隨之升高,使得一般使用者也可以通過金融管理平台成為他人跟隨交易的對象。 In summary, the specification discloses a record management system, which uses blockchain technology to record an individual's achievements in investment and financial management, when the achievement is accumulated to a certain extent. When becoming a trading expert, the financial record recorded on the blockchain can also be the transaction record formed by the financial robot through real-time or virtual transactions. When the platform provides the points system, the higher the score, the higher the expert index. The proposed financial management (investment portfolio, trading point) will be followed by more people, and the points will increase, so that the average user can also become the object of others to follow the transaction through the financial management platform.

以上所述僅為本創作之較佳可行實施例,凡依本創作申請專利範圍所做之均等變化與修飾,皆應屬本創作之涵蓋範圍。 The above descriptions are only preferred embodiments of the present invention, and all changes and modifications made in accordance with the scope of the patent application of this creation should be covered by this creation.

Claims (10)

一種以一電腦系統實現的金融記錄管理系統,包括:一雲端伺服器,實現一金融管理平台,自一區塊鏈網路上通過驗證後取得系統用戶的金融記錄,用以媒合一終端使用者通過一使用者介面提出的需求,其中以該雲端伺服器的一處理器與一記憶體實現的模組包括:一使用者識別模組,處理自該區塊鏈網路得到的金融記錄,並賦予一使用者識別標籤,以識別各系統用戶;一特徵分析模組,分析從自該區塊鏈網路得到的金融記錄,以得出對應使用者識別標籤的個別投資特徵;一屬性分類模組,根據該特徵分析模組的分析結果進行分類,以判斷對應使用者識別標籤的個別金融屬性;一標籤生成模組,設定標籤以標註各系統用戶的個別投資特徵與個別金融屬性;以及一儲存媒體,實現一人才指標資料庫,其中儲存自該區塊鏈網路中取得經過驗證而不可竄改的金融記錄,以形成提供搜尋的資料庫。 A financial record management system implemented by a computer system, comprising: a cloud server, implementing a financial management platform, obtaining a financial record of a system user through verification on a blockchain network, for binding a terminal user The module implemented by a processor and a memory of the cloud server includes: a user identification module that processes financial records obtained from the blockchain network, and Assigning a user identification tag to identify each system user; a feature analysis module analyzing financial records obtained from the blockchain network to derive individual investment characteristics corresponding to the user identification tag; The group is classified according to the analysis result of the feature analysis module to determine individual financial attributes corresponding to the user identification tag; a tag generation module, which sets a label to mark individual investment characteristics and individual financial attributes of each system user; Storage media to implement a database of talent indicators, where storage is verified from the blockchain network and cannot be tampered with Financial records to provide search form repository. 如請求項1所述的金融記錄管理系統,其中該金融記錄包括一使用者與一理財機器人的金融記錄。 The financial record management system of claim 1, wherein the financial record comprises a financial record of a user and a financial robot. 如請求項2所述的金融記錄管理系統,其中該金融記錄包括一實際交易記錄、一金融相關證照、一交易競賽的成績以及在一虛擬交易所的成績的其中之一或任意組合。 The financial record management system of claim 2, wherein the financial record comprises an actual transaction record, a financial related license, a score of a trade contest, and one or any combination of scores at a virtual exchange. 如請求項3所述的金融記錄管理系統,其中該使用者的積分達到一門檻時,即歸類為一交易專家。 The financial record management system of claim 3, wherein the user's points reach a threshold, which is classified as a transaction expert. 如請求項1所述的金融記錄管理系統,其中包括界接一理財機器人資料庫的一理財機器人應用程式介面。 The financial record management system of claim 1, comprising a financial application interface that interfaces with a financial robot database. 如請求項1所述的金融記錄管理系統,其中包括界接一虛擬交易所資料庫的一虛擬交易所應用程式介面。 The financial record management system of claim 1, comprising a virtual exchange application interface that interfaces with a virtual exchange database. 如請求項1所述的金融記錄管理系統,更包括傳訊至系統用戶的一傳訊主機。 The financial record management system of claim 1 further includes a communication host that communicates to the system user. 如請求項1至7中任一項所述的金融記錄管理系統,更包括一記錄主機,用以取得該金融記錄。 The financial record management system according to any one of claims 1 to 7, further comprising a record host for obtaining the financial record. 如請求項8所述的金融記錄管理系統,其中該記錄主機同為參與該區塊鏈網路的節點之一。 The financial record management system of claim 8, wherein the record host is one of the nodes participating in the blockchain network. 如請求項9所述的金融記錄管理系統,其中包括以一電腦伺服器實現的虛擬交易所,成為參與該區塊鏈網路的其中之一節點。 The financial record management system of claim 9, which comprises a virtual exchange implemented by a computer server, becomes one of the nodes participating in the blockchain network.
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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111080044A (en) * 2018-10-19 2020-04-28 宝硕财务科技股份有限公司 Financial record management system

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111080044A (en) * 2018-10-19 2020-04-28 宝硕财务科技股份有限公司 Financial record management system

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