Transaction method and system based on financing product income

Abstract

The invention discloses a transaction method and system based on wealth management product income, wherein the method includes the following steps: the client terminal of the user who purchases the wealth management product receives the wealth management product list pushed by the wealth management platform, and selects the wealth management product to be purchased, the purchased quantity and the income Period; the client terminal of the user who purchases financial products receives the credit receipt certificate sent by the financial platform, and the interest income certificate obtained according to the income cycle selected by the user; the client terminal of the user who purchases financial products receives the list of merchants pushed by the e-commerce platform, and selects the merchant and its goods or services, and complete the transaction through the payment receipt certificate and/or interest income certificate. The invention improves the capital utilization efficiency of consumers and merchants, and meets the actual needs of borrowers and expectations of investors.

Description

technical field [0001] The invention relates to the fields of communication technology and financial transactions, in particular to a transaction method and system based on income from wealth management products. Background technique [0002] With the development of commodity and service transactions, purchasing wealth management products has gradually become a way for customers to invest. Existing wealth management products mainly include long-term wealth management products and short-term wealth management products. Holding long-term wealth management products, the interest is relatively high, but you need to wait for the maturity of the wealth management products to obtain funds, which increases the need for customers to withdraw from wealth management products to realize cash, increases the difficulty for customers to invest in long-term wealth management, and greatly inhibits Investment in long-term wealth management products. As for short-cycle wealth management prod...

AI Technical Summary

Problems solved by technology

Holding long-term wealth management products, the interest is relatively high, but you need to wait for the maturity of the wealth management products to obtain funds, which increases the need for customers to withdraw from wealth management products to realize cash, increases the difficulty for customers to invest in long-term wealth management, and greatly inhibits Investment in long-term wealth management products

As for short-cycle wealth management products, they have better market liquidity, but customers’ wealth management yields are relatively low, which is difficult to satisfy

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