CN108305173A - Transaction processing method, device, computer equipment and the storage medium of finance product - Google Patents
Transaction processing method, device, computer equipment and the storage medium of finance product Download PDFInfo
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- CN108305173A CN108305173A CN201810097348.5A CN201810097348A CN108305173A CN 108305173 A CN108305173 A CN 108305173A CN 201810097348 A CN201810097348 A CN 201810097348A CN 108305173 A CN108305173 A CN 108305173A
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Abstract
This application involves a kind of transaction processing method of finance product, device, computer equipment and storage mediums.The method includes：Receive the trading instruction that terminal is sent；The finance product update finance product specified according to the trading instruction is held position table；It parses updated finance product to hold position table, obtains corresponding investment combination computation model；Table of holding position is combined according to the investment combination computation model replacement investment；Updated finance product is held position into table and investment combination table of holding position feeds back to the terminal；Receive the trade confirmation instruction of terminal transmission；The finance product specified to this is instructed to be traded processing according to the trade confirmation.The efficiency of transaction finance product can be improved using this method.
Description
Technical field
This application involves internet financial technology fields, more particularly to a kind of transaction processing method of finance product, dress
It sets, computer equipment and storage medium.
Background technology
With the development of Internet technology, traditional financial field also adds more and more Internet technologies.Tradition
Finance product be merely able in off-line transaction, and after combining Internet technology, can also merchandise finance product on line.
Finance product is bought in online trading, and not only can quickly merchandise finance product, and the first of income can also be distributed in finance product
Time learns situation of Profit.
There is combination finance products in the industry at present, and combine finance product and bundled multinomial finance product and be traded place
Reason.Assuming that have a finance product A in combination finance product, it is also independent under the premise of user has purchased combination finance product
Finance product A is had purchased, at this moment user can only learn the comprehensive income situation of finance product A, and can not learn independent purchase
Finance product A situation of Profit.And combination finance product must bundle other finance products and be traded processing, and it can not
Processing is traded to the independent finance product in combination finance product, therefore user needs to calculate repeatedly, it can be true
Recognize the situation of Profit of finance product, and general user only can just be traded place after the situation of Profit for confirming finance product
Reason so that the efficiency for finance product of merchandising is very low.
Invention content
Based on this, it is necessary in view of the above technical problems, provide a kind of side for the efficiency that can improve transaction finance product
Method, device, computer equipment and storage medium.
A kind of transaction processing method of finance product, this method include：
Receive the trading instruction that terminal is sent；
The finance product update finance product specified according to the trading instruction is held position table；
It parses updated finance product to hold position table, obtains corresponding investment combination computation model；
Table of holding position is combined according to the investment combination computation model replacement investment；
Updated finance product is held position into table and investment combination table of holding position feeds back to the terminal；
Receive the trade confirmation instruction of terminal transmission；
The finance product specified to this is instructed to be traded processing according to the trade confirmation.
In one embodiment, the updated finance product of the parsing is held position table, is obtained corresponding investment combination and is calculated mould
Type, including：
The updated finance product is obtained to hold position the mark of finance product and volume of holding position in table；
When recognize the updated finance product hold position in table there is combination finance product when, then
Obtain the mark of the sub- finance product included by the combination finance product and volume of holding position；
By the volume comparison of always holding position of the hold position volume and corresponding finance product of the sub- finance product, the sub- financing production is calculated
The accounting of holding position of product, obtains investment combination computation model.
In one embodiment, this method further includes：
When receiving the corresponding trading instruction of the combination finance product, then merchandised accordingly according to the combination finance product
Instruction obtains the turnover of combination finance product；
The turnover is distributed according to the investment accounting of the combination finance product neutron finance product, obtains the sub- finance product
Turnover；
Finance product is updated according to the turnover of the sub- finance product to hold position the volume of holding position of corresponding finance product in table；
According to the turnover of the sub- finance product and the updated volume of holding position of corresponding finance product, the sub- finance product is updated
Accounting of holding position.
In one embodiment, this method further includes：
Obtain the avail information of finance product；
The finance product is updated according to the avail information to hold position the avail information of finance product in table；
It is held position according to the investment combination accounting of holding position of the sub- finance product in table, obtains the income letter of the sub- finance product
Breath；
The avail information that the investment combination is held position in table is updated according to the avail information of the sub- finance product.
In one embodiment, this method further includes：
The avail information in table of being held position according to the finance product and the investment combination are held position the avail information in table, and obtaining should
Combine the revenue streams information of the revenue streams information and corresponding independent finance product of finance product；
The revenue streams information for comparing the revenue streams information and corresponding independent finance product of the combination finance product, obtains
To comparing result；
Finance product recommendation information is obtained according to the comparing result.
In one embodiment, this by updated finance product hold position table and investment combination hold position table feed back to terminal it
Afterwards, this method further includes：
When not receiving the feedback information of the terminal within a preset period of time, then
At the end of the preset time period, processing is traded according to the trading instruction finance product specified to this.
In one embodiment, this method further includes：
When receiving finance product distribution of information, then
Judge the specified finance product priority whether higher than in the finance product distribution of information finance product it is excellent
First grade；If it is not, then
The instruction information for replacing finance product is sent to the terminal；
When the replacement for receiving terminal feedback confirms instruction, is then confirmed according to the replacement and instruct the financing specified to this
Product is traded processing.
A kind of traction processing apparatus of finance product, the device include：
Receiving module, the trading instruction for receiving terminal transmission；
Update module, the finance product update finance product for being specified according to the trading instruction are held position table；
Parsing module holds position table for parsing updated finance product, obtains corresponding investment combination computation model；
The update module is additionally operable to combine table of holding position according to the investment combination computation model replacement investment；
Feedback module, for updated finance product being held position table and investment combination table of holding position feeds back to the terminal；
The receiving module is additionally operable to receive the trade confirmation instruction of terminal transmission；
Trade processing module, for instructing the finance product specified to this to be traded processing according to the trade confirmation.
A kind of computer equipment, including memory, processor and storage can be run on a memory and on a processor
The step of computer program, which realizes as above any one method when executing the computer program.
A kind of computer readable storage medium, is stored thereon with computer program, which is executed by processor
Shi Shixian as above any one of method the step of.
Transaction processing method, device, computer equipment and the storage medium of above-mentioned finance product are sent receiving terminal
Trading instruction after, the finance product update finance product specified according to trading instruction is held position table, and finance product holds position table can be with
Simulate the information after finance product transaction.And parse updated finance product and hold position table, it obtains corresponding investment combination and calculates
Model, since investment combination computation model can calculate the finance product after combination.Therefore, more according to investment combination computation model
New investment combination is held position table, and updated investment combination table of holding position can intuitively reflect the Transaction Information of combination finance product.
Updated finance product is held position into table and investment combination table of holding position feeds back to terminal, can be shown and be managed money matters to user by terminal
Product holds position table and investment combination is held position table confirms reason in user can also hold position table from finance product and investment combination is held position table
The Transaction Information of property product just includes the situation of Profit of finance product in Transaction Information.Therefore, it confirmed finance product in user
Situation of Profit after, in that case it can be decided that whether by terminal send trade confirmation instruction, to indicate that server continues at transaction
Reason, so as to hold position table by finance product and investment combination table of holding position rapidly obtains and combines the income feelings of finance product
Condition, and then improve the efficiency of transaction finance product.
Description of the drawings
Fig. 1 is the application scenario diagram of the transaction processing method of finance product in one embodiment；
Fig. 2 is the flow diagram of the transaction processing method of finance product in one embodiment；
Fig. 3 is the application scenario diagram of the transaction processing method of finance product in another embodiment；
Fig. 4 is the flow diagram of the transaction processing method of finance product in another embodiment；
Fig. 5 is the structure diagram of the traction processing apparatus of finance product in one embodiment；
Fig. 6 is the internal structure chart of one embodiment Computer equipment.
Specific implementation mode
It is with reference to the accompanying drawings and embodiments, right in order to make the object, technical solution and advantage of the application be more clearly understood
The application is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the application, not
For limiting the application.
The transaction processing method of finance product provided by the present application can be applied in application environment as shown in Figure 1.Its
In, terminal 110 communicated by network with server 120 and server 120 and product servers 130 by network into
Row communication.After server 120 receives the trading instruction that terminal 110 is sent, reason is updated according to the finance product that trading instruction is specified
Property product are held position table 122.Server 120 parses updated finance product and holds position table 122, obtains corresponding investment combination and calculates
Model, and table 124 of holding position is combined according to investment combination computation model replacement investment.Server 120 is by updated finance product
It holds position table 122 and investment combination is held position after table 124 feeds back to terminal 110, receive the trade confirmation instruction that terminal 110 is sent.Clothes
Business device 120 is traded processing according to trade confirmation instruction also on product servers 130 to specified finance product.Wherein,
Terminal 110, which can be, but not limited to, to be various personal computers, laptop, smart mobile phone, tablet computer and portable wears
Equipment is worn, server 120 and product servers 130 can use the server of the either multiple server compositions of independent server
Cluster is realized.
In one embodiment, it as shown in Fig. 2, providing a kind of transaction processing method of finance product, answers in this way
For being illustrated for the server in Fig. 1, include the following steps：
S202 receives the trading instruction that terminal is sent.
Wherein, trading instruction is specifically to indicate the instruction of transaction finance product.Transaction can be specifically purchase, redeem, be multiple
It throws and applies to purchase.Finance product is by business bank and non-bank financial institution's designed, designed and the product of distribution.Finance product
Can be specifically savings, fund, stock, national debt, bond, foreign exchange and insurance etc..
In one embodiment, the trading instruction that server receiving terminal is sent, when server detects that trading instruction refers to
Fixed finance product then reads the specified finance product of trading instruction and produces accordingly when not recorded during finance product holds position table
Product information updates finance product according to the product information of reading and holds position table.
S204, the finance product update finance product specified according to the trading instruction are held position table.
Wherein, table of holding position is specifically the table for recording finance product information.Finance product hold position table be record one financing
The table of the information of product.Single finance product is specifically the finance product that type, distributing and releasing corporation and code are all one.According to
The specified finance product update finance product of trading instruction is held position table, can be specifically according to the financing production carried in trading instruction
The mark and turnover of product, update finance product are held position the information of corresponding finance product in table.
In one embodiment, after server receives trading instruction, the trading instruction is parsed, it is specified to obtain trading instruction
Finance product information, choose effective product information in obtained information, and update and manage according to effective product information
Property product are held position table.
S206 parses updated finance product and holds position table, obtains corresponding investment combination computation model.
Wherein, investment combination computation model is the model for calculating combination finance product.Investment combination computation model specifically may be used
To calculate the Transaction Information for combining each sub- finance product in finance product.Specifically, updated finance product is parsed to hold position
Table can be the Transaction Information in holding position table according to the trading instruction and identification (RNC-ID) analytic finance product of finance product.
In one embodiment, server parses updated finance product and holds position table, is held position in table according to finance product
The mark of finance product splits corresponding volume of holding position, and holding position for each sub- finance product is calculated in combination finance product
Volume, to obtain corresponding investment combination computation model.
S208 combines table of holding position according to the investment combination computation model replacement investment.
In one embodiment, server is managed money matters from each height in combination finance product is read in investment combination computation model
The Transaction Information of product combines table neutron finance product of holding position according to the Transaction Information replacement investment of the sub- finance product of reading
Transaction Information.
Updated finance product is held position table and investment combination table of holding position feeds back to the terminal by S210.
In one embodiment, updated finance product is held position table by server and investment combination table of holding position is converted into uniting
The table of one format, and the table of unified format is embedded in HTML5 (HyperText Markup Language 5, supertext
Markup language 5) page.The HTML5 pages of embedded table are fed back to terminal by server.
S212 receives the trade confirmation instruction of terminal transmission.
Wherein, trade confirmation instruction is to confirm the instruction for continuing to execute trading instruction.
In one embodiment, it after server receives the trade confirmation instruction that terminal is sent, is sent to product servers
The product trading instruction generated according to trading instruction.
S214 instructs the finance product specified to this to be traded processing according to the trade confirmation.
Wherein, it is instructed according to trade confirmation and processing is traded to specified finance product, specifically server is specified
The corresponding product servers of finance product on carry out trading processing.
In one embodiment, after server sends product trading instruction to product servers, product servers detection production
Whether whether the corresponding turnover of product trading instruction is qualified and detect product trading and instruct corresponding exchange hour qualified, works as production
When the corresponding turnover of product trading instruction and all qualified exchange hour, merchandises to server feedback and successfully indicate information.Service
Device is forwarded to terminal after receiving the feedback of product servers, by the feedback.
In the present embodiment, after the trading instruction for receiving terminal transmission, more according to the specified finance product of trading instruction
New finance product is held position table, and finance product table of holding position can simulate the information after finance product transaction.And parse updated reason
Property product are held position table, and corresponding investment combination computation model is obtained, after can calculating combination due to investment combination computation model
Finance product.Therefore, table of holding position is combined according to investment combination computation model replacement investment, table is held position in updated investment combination can
Intuitively to reflect the Transaction Information of combination finance product.Updated finance product is held position into table and investment combination table of holding position is anti-
It feeds terminal, can show that finance product holds position table and investment combination is held position table to user by terminal, user can also be from reason
The Transaction Information of finance product is confirmed in property product hold position table and investment combination is held position table, includes just finance product in Transaction Information
Situation of Profit.Therefore, after user confirmed the situation of Profit of finance product, in that case it can be decided that whether sent and merchandised by terminal
Instruction is confirmed, to indicate that server continues trading processing, so as to hold position table by finance product and investment combination is held
Storehouse table rapidly obtains the situation of Profit of combination finance product, and then improves the efficiency of transaction finance product.
In one embodiment, the updated finance product of the parsing is held position table, is obtained corresponding investment combination and is calculated mould
Type, including：The updated finance product is obtained to hold position the mark of finance product and volume of holding position in table；After recognizing the update
Finance product hold position in table when there is combination finance product, then obtain the sub- finance product included by the combination finance product
Identify and hold position volume；By the volume comparison of always holding position of the hold position volume and corresponding finance product of the sub- finance product, the son is calculated
The accounting of holding position of finance product, obtains investment combination computation model.
Wherein, mark is to discriminate between the orderly character of different finance products.It applies on specific finance product, mark can be with
It is at least one of fund code, stock code, bond codes and trust code etc..The volume of holding position is specifically holding for finance product
There is the amount of money.It is the finance product for being combined with different types of finance product to combine finance product.It combines included by finance product
Sub- finance product is the various finance products of composition combination finance product.Specifically, purchase combination finance product will be bought automatically
Combine the sub- finance product in finance product.Accounting of holding position is specifically that the sub- finance product of combination finance product is managed money matters accordingly
Volume accounting of holding position in the volume of always holding position of product.
For example, the level-one in server is held position, record has public offering fund product E and corresponding volume 30,000 of holding position in table
Member, and periodically finance product G and corresponding 10,000 yuan of volume of holding position.It holds position after table in update level-one, level-one table record of holding position has public affairs
Fund product E of raising and corresponding 60,000 yuan of volume of holding position, regular finance product G and corresponding 50,000 yuan of volume and the current T+0 reasons of holding position
Wealth F and corresponding 30,000 yuan of volume of holding position.When identifying there are when investment combination product A, and public offering fund in investment combination product A
The volume of holding position of product E is 30,000 yuan, and the investment accounting of current T+0 financings F is 30,000 yuan in investment combination product A, investment combination production
The investment accounting of regular finance product G is 40,000 yuan in product A.
Then according to 30000 ÷ 60000=50%, holding position for public offering fund product E in investment combination product A is calculated and accounts for
Than being 50%, according to 30000 ÷ 30000=100%, holding position for F of current T+0 financings in investment combination product A is calculated and accounts for
Than being 100%, according to 40000 ÷ 50000=80%, regular holding position for finance product G in investment combination product A is calculated and accounts for
Than being 80%.
In the present embodiment, recognize updated finance product hold position in table there is combination finance product when, pass through son
The volume comparison of always holding position of the hold position volume and corresponding finance product of finance product, calculates the accounting of holding position of sub- finance product, from
And investment combination computation model is obtained, the situation of Profit of combination finance product thus can be directly calculated, and then improve
The efficiency of transaction finance product.
In one embodiment, this method further includes：When receiving the corresponding trading instruction of the combination finance product, then
The turnover of combination finance product is obtained according to the corresponding trading instruction of the combination finance product；According in the combination finance product
The investment accounting of sub- finance product distributes the turnover, obtains the turnover of the sub- finance product；According to the sub- finance product
Turnover update finance product is held position the volume of holding position of corresponding finance product in table；According to the turnover of the sub- finance product and accordingly
The updated volume of holding position of finance product, updates the accounting of holding position of the sub- finance product.
For example, the investment combination in server is held position, record has individual public offering fund product E, holds accordingly in table
30,000 yuan of storehouse volume and accounting 50% of holding position, individual periodically finance product G, corresponding hold position 10,000 yuan of volume and accounting 20% of holding position,
Public offering fund product E, corresponding hold position 30,000 yuan of volume and accounting 50% of holding position in investment combination product A, investment combination product A
Middle current T+0 financing F, corresponding hold position 30,000 yuan of volume and accounting 100% of holding position, in investment combination product A periodically finance product G,
Corresponding 40,000 yuan of volume and the accounting 80% of holding position of holding position.When server receives the instruction of the multiple throwing to investment combination product A, root
It is 10,000 yuan to be obtained to the turnover of investment combination product A according to multiple throwing trading instruction.
Server is according to 3：3：4 investment accounting dispensing transaction volume, update finance product are held position table, and according to updated
The finance product public offering fund product E that table gets in investment combination product A volume of holding position accordingly of holding position is 3.3 ten thousand yuan, investment
Current T+0 F volumes of holding position accordingly of managing money matters are 3.3 ten thousand yuan in combination product A, and periodically finance product G is corresponding in investment combination product A
Hold position volume be 4.4 ten thousand yuan.Then according to 33000 ÷ 63000=52.3%, the public offering base in investment combination product A is calculated
The updated accounting of holding position of golden product E is 52.3%, and according to 33000 ÷ 33000=100%, investment combination product A is calculated
In the updated accountings of holding position of current T+0 financing F be 100%, according to 44000 ÷ 54000=81.4%, investment is calculated
The updated accountings of holding position of regular finance product G in combination product A are 81.4%.
In the present embodiment, by when receiving the combination corresponding trading instruction of finance product, being obtained according to trading instruction
The turnover of finance product is combined, and phase in table of holding position is combined according to the investment accounting of sub- finance product and turnover replacement investment
Hold position volume and the accounting of holding position answered.It can be visually observed that by updated investment combination table of holding position and be traded processing
Afterwards, the accounting of holding position of various finance products, therefore can rapidly obtain the Transaction Information of combination finance product.
In one embodiment, this method further includes：Obtain the avail information of finance product；It is updated according to the avail information
The finance product is held position the avail information of finance product in table；It is held position the holding position of the sub- finance product in table according to the investment combination
Accounting obtains the avail information of the sub- finance product；The investment combination is updated according to the avail information of the sub- finance product to hold position
Avail information in table.
The public offering fund product E in investment combination product A is recorded in table for example, the investment combination in server is held position
Accounting of holding position be 50%, the accounting of holding position of current T+0 financings F is 100% in investment combination product A, in investment combination product A
The accounting of holding position of regular finance product G is 80%.When server gets from product servers 7 days avail informations, public offering base
The income volume of golden product E is 800, and the income volume of current T+0 financings F is 600, and the income volume of regular finance product G is 1000.Then
The avail information of sub- finance product, investment combination production are got according to the accounting of holding position of investment combination product A neutron finance products
The income volume of public offering fund product E is 400 in product A, and the income volume of current T+0 financings F is 600 in investment combination product A, investment
The income volume of regular finance product G is 800 in combination product A, and replacement investment combines the avail information in table of holding position.
Further, the information that server holds position table according to finance product and investment combination is held position in table, generates financing production
The profit return rate of product.Wherein, according to 800 ÷, 7 × 365 ÷ 60000=69.5%, the receipts of public offering fund product E are calculated
Beneficial return rate is 69.5%, and according to 600 ÷, 7 × 365 ÷ 30000=104.2%, the income that current T+0 financings F is calculated is returned
Report rate is 104.2%, and according to 1000 ÷, 7 × 365 ÷ 50000=104.2%, the income that regular finance product G is calculated is returned
Report rate is 104.2%, according to 7 × 365 ÷ (30000+30000+40000)=93.9% of (400+600+800) ÷, is calculated
The profit return rate of investment combination product A is 93.9%.According to 104.2%>93.9%>69.5%, it generates and recommends individually purchase
The recommendation information of current T+0 financings F and regular finance product G, and generate purchase and/or hold the recommendation of investment combination product A
Information, and generate the recommendation information for recommending to redeem public offering fund product E.
In the present embodiment, by obtain finance product avail information after, according to investment combination hold position table neutron financing
The accounting of holding position of product, obtains the avail information of sub- finance product respectively, the avail information more refined can be obtained, more
On the basis of the avail information of refinement, the situation of Profit of finance product can be more accurately understood, so as to reduce user's meter
The time of finance product situation of Profit is calculated, and then improves the efficiency of transaction finance product.
In one embodiment, this method further includes：Avail information and the investment held position according to the finance product in table
The avail information in table of holding position is combined, the revenue streams information of the combination finance product and corresponding independent finance product are obtained
Revenue streams information；Compare the revenue streams information of the combination finance product and the revenue streams letter of corresponding independent finance product
Breath, obtains comparing result；Finance product recommendation information is obtained according to the comparing result.
Wherein, revenue streams information is specifically the avail information obtained according to history and the avail information currently obtained statistics
The information gone out.Independent finance product is the finance product for being individually traded processing.Combination finance product is independently managed money matters accordingly
Product, specifically with combine the identical independent finance product of sub- finance product included by finance product.
In one embodiment, server reads the avail information of the finance product obtained in 1 month, according to the receipts of reading
Beneficial information generates the revenue streams information of the revenue streams information and independent finance product of combination finance product.When server detects
The gap between the revenue streams information and the revenue streams information of independent finance product of finance product is combined in by 7 days default
When in range, then recommendation information is not generated.
In the present embodiment, avail information and investment combination in table of being held position by finance product are held position the letter of the income in table
Breath obtains the revenue streams information that simultaneously contrast groups close the revenue streams information and corresponding independent finance product of finance product, from
And finance product is recommended according to comparing result, the process of user oneself calculating can be reduced in this way, improve the friendship of finance product
Tractable efficiency.
In one embodiment, this by updated finance product hold position table and investment combination hold position table feed back to terminal it
Afterwards, this method further includes：When not receiving the feedback information of the terminal within a preset period of time, then in the preset time period knot
Shu Shi is traded processing according to the trading instruction finance product specified to this.
In the present embodiment, updated finance product is held position table to server and investment combination table of holding position feeds back to terminal
Afterwards, timer is triggered, when not receiving the feedback information of terminal in the preset time period that timer is specified, then when this is preset
Between at the end of section, processing is traded according to the trading instruction finance product specified to this.
In the present embodiment, by the way that a preset time period is arranged, the feedback letter of terminal is not received within a preset period of time
When breath, then it is traded processing automatically, can not continue trading processing so as to avoid there is no feedback information in terminal,
The time is wasted, and then improves the efficiency for being traded processing to finance product.
In one embodiment, this method further includes：When receiving finance product distribution of information, then judge that this is specified
Whether the priority of finance product is higher than the priority of finance product in the finance product distribution of information；If it is not, then to the terminal
Send the instruction information for replacing finance product；It is when the replacement for receiving terminal feedback confirms instruction, then true according to the replacement
Recognize and the finance product specified to this is instructed to be traded processing.
Wherein, priority is the priority of finance product transaction.Specifically, priority can judge according to earning rate,
It can judge according to the time limit is held, can also be judged according to risk rating.
As shown in figure 3, in one embodiment, it, will after server receives user's reservation information for intention of terminal transmission
User preengages information for intention storage to database.Trading instruction is received in server and obtains finance product distribution of information
When, the finance product in the earning rate and finance product distribution of information of the comparison corresponding finance product of trading instruction in matching engine
Earning rate, if unanimously, continue compare the corresponding finance product of trading instruction the investment time limit and finance product distribution of information
If the investment time limit of middle finance product compares the risk rating and financing of the corresponding finance product of trading instruction still consistent
The risk rating of finance product in program release information, until selecting finance product.Server is by the finance product phase of selection
The information answered is added user and has matched execution queue, and the execution sequence executed in queue has been matched according to user and has been traded place
Reason.Wherein, risk rating includes cautious style product (R1), steady type product (R2), balanced type product (R3), type of keeping forging ahead product
(R4) and at least one of radical type product (R5).
In the present embodiment, when receiving finance product distribution of information, by the priority for judging specified finance product
Whether higher than finance product in the finance product distribution of information priority, then decide whether to continue trading processing, can be with
The higher finance product of priority is pushed to terminal, to select income higher, time limit shorter and the lower reason of risk to user
Property product.
As shown in figure 4, in one embodiment, additionally providing a kind of transaction processing method of finance product, this method tool
Body includes the following steps：
S402, the trading instruction that server receiving terminal is sent.
S404, the finance product update finance product that server is specified according to the trading instruction are held position table.
S406, server obtain the updated finance product and hold position the mark of finance product and volume of holding position in table.
S408, when server recognize the updated finance product hold position in table there is combination finance product when, then obtain
Take the mark of the sub- finance product included by the combination finance product and volume of holding position.
The volume of holding position of the sub- finance product is compared with the volume of always holding position of corresponding finance product, is calculated by S410, server
Go out the accounting of holding position of the sub- finance product.
S412 then manages money matters according to the combination and produces when server receives the corresponding trading instruction of the combination finance product
The corresponding trading instruction of product obtains the turnover of combination finance product.
S414, server distribute the turnover according to the investment accounting of the combination finance product neutron finance product, obtain
The turnover of the sub- finance product.
S416, server update finance product according to the turnover of the sub- finance product and hold position corresponding finance product in table
It holds position volume.
S418, server is according to the turnover of the sub- finance product and the updated volume of holding position of corresponding finance product, update
The accounting of holding position of the sub- finance product, obtains investment combination computation model.
S420, server combine table of holding position according to the investment combination computation model replacement investment.
S422, updated finance product is held position table to server and investment combination table of holding position feeds back to the terminal.
S424, server receive the trade confirmation instruction of terminal transmission.
S426, server instruct the finance product specified to this to be traded processing according to the trade confirmation.
Before server executes step S424, step S428 can also be performed.
S428, when server does not receive the feedback information of the terminal within a preset period of time, then in the preset time
At the end of section, processing is traded according to the trading instruction finance product specified to this.
The transaction processing method of above-mentioned finance product, after the trading instruction for receiving terminal transmission, according to trading instruction
Specified finance product update finance product is held position table, and finance product table of holding position can simulate the information after finance product transaction.
And parse updated finance product and hold position table, corresponding investment combination computation model is obtained, due to investment combination computation model
The finance product after combination can be calculated.Therefore, table of holding position is combined according to investment combination computation model replacement investment, it is updated
Investment combination hold position table can intuitively reflect combination finance product Transaction Information.By updated finance product hold position table and
Investment combination table of holding position feeds back to terminal, can show that finance product holds position table and investment combination is held position to user by terminal
Table confirms the Transaction Information of finance product, transaction letter in user can also hold position table from finance product and investment combination is held position table
Just include the situation of Profit of finance product in breath.Therefore, after user confirmed the situation of Profit of finance product, in that case it can be decided that be
It is no that trade confirmation instruction is sent by terminal, to indicate that server continues trading processing, so as to pass through finance product
It holds position table and investment combination table of holding position rapidly obtains the situation of Profit of combination finance product, and then improve transaction finance product
Efficiency.
It should be understood that although each step in the flow chart of Fig. 4 is shown successively according to the instruction of arrow, this
A little steps are not that the inevitable sequence indicated according to arrow executes successively.Unless expressly state otherwise herein, these steps
It executes there is no the limitation of stringent sequence, these steps can execute in other order.Moreover, at least part in Fig. 4
Step may include that either these sub-steps of multiple stages or stage are executed in synchronization to multiple sub-steps
It completes, but can execute at different times, the execution sequence in these sub-steps or stage is also not necessarily to be carried out successively,
But it can either the sub-step of other steps or at least part in stage execute in turn or alternately with other steps.
In one embodiment, as shown in figure 5, providing a kind of traction processing apparatus 500 of finance product, including：It connects
Module 502, update module 504, parsing module 506, feedback module 508 and trade processing module 510 are received, wherein：
Receiving module 502, the trading instruction for receiving terminal transmission.
Update module 504, the finance product update finance product for being specified according to the trading instruction are held position table.
Parsing module 506 is held position table for parsing updated finance product, is obtained corresponding investment combination and is calculated mould
Type.
The update module 504 is additionally operable to combine table of holding position according to the investment combination computation model replacement investment.
Feedback module 508, for updated finance product being held position table and investment combination table of holding position feeds back to the terminal.
The receiving module 502 is additionally operable to receive the trade confirmation instruction of terminal transmission.
Trade processing module 510, for instructing the finance product specified to this to be traded processing according to the trade confirmation.
The traction processing apparatus 500 of above-mentioned finance product refers to after the trading instruction for receiving terminal transmission according to transaction
Specified finance product update finance product is enabled to hold position table, finance product table of holding position can simulate the letter after finance product transaction
Breath.And parse updated finance product and hold position table, corresponding investment combination computation model is obtained, since investment combination calculates mould
Type can calculate the finance product after combination.Therefore, table of holding position is combined according to investment combination computation model replacement investment, after update
Investment combination hold position table can intuitively reflect combination finance product Transaction Information.Updated finance product is held position table
Terminal is fed back to investment combination table of holding position, can show that finance product holds position table and investment combination is held position to user by terminal
Table confirms the Transaction Information of finance product, transaction letter in user can also hold position table from finance product and investment combination is held position table
Just include the situation of Profit of finance product in breath.Therefore, after user confirmed the situation of Profit of finance product, in that case it can be decided that be
It is no that trade confirmation instruction is sent by terminal, to indicate that server continues trading processing, so as to pass through finance product
It holds position table and investment combination table of holding position rapidly obtains the situation of Profit of combination finance product, and then improve transaction finance product
Efficiency.
In one embodiment, which further includes：Data obtaining module 512, for obtaining the updated financing production
Product are held position the mark of finance product and volume of holding position in table；The data obtaining module 512 is additionally operable to that the updated reason ought be recognized
Property product are held position in table when there is combination finance product, then obtain the mark of the sub- finance product included by the combination finance product
With the volume of holding position；Computing module 514, for by the volume pair of always holding position of the hold position volume and corresponding finance product of the sub- finance product
Than calculating the accounting of holding position of the sub- finance product, obtaining investment combination computation model.
In one embodiment, the data obtaining module 512, the combination finance product ought be received by being additionally operable to hands over accordingly
When easily instructing, then the turnover of combination finance product is obtained according to the corresponding trading instruction of the combination finance product；The calculating mould
Block 514 is additionally operable to distribute the turnover according to the investment accounting of the combination finance product neutron finance product, obtains the sub- financing
The turnover of product；The update module 504 is additionally operable to update finance product according to the turnover of the sub- finance product and hold position in table
The volume of holding position of corresponding finance product；According to the turnover of the sub- finance product and the updated volume of holding position of corresponding finance product, more
The accounting of holding position of the new sub- finance product.
In one embodiment, the data obtaining module 512 is additionally operable to obtain the avail information of finance product；The update
Module 504 is additionally operable to update the finance product according to the avail information and hold position the avail information of finance product in table；The information obtains
Modulus block 512, the accounting of holding position for the sub- finance product in table of being additionally operable to be held position according to the investment combination, obtains the sub- finance product
Avail information；The update module 504 is additionally operable to update the investment combination according to the avail information of the sub- finance product and holds position table
In avail information.
In one embodiment, the data obtaining module 512, the income letter in the table that is additionally operable to be held position according to the finance product
Breath and the investment combination are held position the avail information in table, and the revenue streams information of the combination finance product and corresponding independent is obtained
The revenue streams information of finance product；The device further includes：Contrast module 516, the income for comparing the combination finance product
The revenue streams information of tendency information and corresponding independent finance product, obtains comparing result；The data obtaining module 512, also
For obtaining finance product recommendation information according to the comparing result.
In one embodiment, the trade processing module 510 is additionally operable to that the terminal ought not be received within a preset period of time
Feedback information when, then at the end of the preset time period, according to the trading instruction, the finance product specified to this is traded
Processing.
In one embodiment, which further includes：Judgment module 518 receives finance product distribution of information for working as
When, then judge the specified finance product priority whether higher than in the finance product distribution of information finance product it is preferential
Grade；The feedback module 508 is additionally operable to judge that the priority of the specified finance product is not higher than the financing when judgment module 518
In program release information when the priority of finance product, the instruction information for replacing finance product is sent to the terminal；At the transaction
Module 510 is managed, is additionally operable to when the replacement for receiving terminal feedback confirms instruction, then confirm that instruction refers to this according to the replacement
Fixed finance product is traded processing.
The specific of traction processing apparatus about finance product limits the transaction that may refer to above for finance product
The restriction of processing unit method, details are not described herein.Modules in the traction processing apparatus device of above-mentioned finance product can
It is realized fully or partially through software, hardware and combinations thereof.Above-mentioned each module can be in the form of hardware embedded in or independently of meter
It calculates in the processor in machine equipment, can also in a software form be stored in the memory in computer equipment, in order to handle
Device, which calls, executes the corresponding operation of the above modules.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 6.The computer equipment include the processor connected by system bus, memory, network interface and
Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment
Include non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and data
Library.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating
The database of machine equipment holds position table for storing finance product and investment combination is held position table.The network interface of the computer equipment is used
It is communicated by network connection in external terminal.To realize a kind of finance product when the computer program is executed by processor
Transaction processing method.
It will be understood by those skilled in the art that structure shown in Fig. 6, is only tied with the relevant part of application scheme
The block diagram of structure does not constitute the restriction for the computer equipment being applied thereon to application scheme, specific computer equipment
May include either combining certain components than more or fewer components as shown in the figure or being arranged with different components.
In one embodiment, a kind of computer equipment is provided, including memory, processor and storage are on a memory
And the computer program that can be run on a processor, processor realize following steps when executing computer program：Receive terminal hair
The trading instruction sent；The finance product update finance product specified according to the trading instruction is held position table；Parse updated financing
Product is held position table, and corresponding investment combination computation model is obtained；It is held position according to investment combination computation model replacement investment combination
Table；Updated finance product is held position into table and investment combination table of holding position feeds back to the terminal；Receive the transaction of terminal transmission
Confirm instruction；The finance product specified to this is instructed to be traded processing according to the trade confirmation.
Above computer equipment is produced after the trading instruction for receiving terminal transmission according to the financing that trading instruction is specified
Product update finance product is held position table, and finance product table of holding position can simulate the information after finance product transaction.And after parsing update
Finance product hold position table, corresponding investment combination computation model is obtained, since investment combination computation model can calculate combination
Finance product afterwards.Therefore, table of holding position is combined according to investment combination computation model replacement investment, updated investment combination is held position
Table can intuitively reflect the Transaction Information of combination finance product.Updated finance product is held position into table and investment combination is held position
Table feeds back to terminal, can show that finance product holds position table and investment combination is held position table to user by terminal, user can also
Table is held position from finance product and investment combination holds position and confirms the Transaction Information of finance product in table, includes just financing in Transaction Information
The situation of Profit of product.Therefore, after user confirmed the situation of Profit of finance product, in that case it can be decided that whether sent by terminal
Trade confirmation instructs, to indicate that server continues trading processing, so as to be held position table and investment group by finance product
It closes table of holding position and rapidly obtains the situation of Profit of combination finance product, and then improve the efficiency of transaction finance product.
In one embodiment, following steps are also realized when processor executes computer program：Obtain the updated reason
Property product are held position the mark of finance product and volume of holding position in table；Hold position in table that there are groups when recognizing the updated finance product
When closing finance product, then the mark of the sub- finance product included by the combination finance product and volume of holding position are obtained；By the sub- financing
The volume comparison of always holding position of the hold position volume and corresponding finance product of product, calculates the accounting of holding position of the sub- finance product, obtains
Investment combination computation model.
In one embodiment, following steps are also realized when processor executes computer program：When receiving, the group is reasonable
When the corresponding trading instruction of property product, then the friendship of combination finance product is obtained according to the corresponding trading instruction of the combination finance product
Easy volume；The turnover is distributed according to the investment accounting of the combination finance product neutron finance product, obtains the sub- finance product
Turnover；Finance product is updated according to the turnover of the sub- finance product to hold position the volume of holding position of corresponding finance product in table；According to
The turnover of the sub- finance product and the updated volume of holding position of corresponding finance product, update the accounting of holding position of the sub- finance product.
In one embodiment, following steps are also realized when processor executes computer program：Obtain the receipts of finance product
Beneficial information；The finance product is updated according to the avail information to hold position the avail information of finance product in table；According to the investment combination
It holds position the accounting of holding position of the sub- finance product in table, obtains the avail information of the sub- finance product；According to the sub- finance product
Avail information updates the avail information that the investment combination is held position in table.
In one embodiment, following steps are also realized when processor executes computer program：It is held according to the finance product
Avail information in the table of storehouse and the investment combination are held position the avail information in table, and the revenue streams letter of the combination finance product is obtained
The revenue streams information of breath and corresponding independent finance product；Compare the revenue streams information of the combination finance product and corresponding
The revenue streams information of independent finance product, obtains comparing result；Finance product recommendation information is obtained according to the comparing result.
In one embodiment, following steps are also realized when processor executes computer program：When within a preset period of time
When not receiving the feedback information of the terminal, then at the end of the preset time period, according to the trading instruction reason specified to this
Property product are traded processing.
In one embodiment, following steps are also realized when processor executes computer program：When receiving finance product
When distribution of information, then judge the priority of the specified finance product whether higher than finance product in the finance product distribution of information
Priority；If it is not, then sending the instruction information for replacing finance product to the terminal；When the replacement for receiving terminal feedback is true
When recognizing instruction, is then confirmed according to the replacement and the finance product specified to this is instructed to be traded processing.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program realizes following steps when being executed by processor：Receive the trading instruction that terminal is sent；It is specified according to the trading instruction
Finance product update finance product is held position table；It parses updated finance product to hold position table, obtains corresponding investment combination and calculate
Model；Table of holding position is combined according to the investment combination computation model replacement investment；Updated finance product is held position table and investment
It combines table of holding position and feeds back to the terminal；Receive the trade confirmation instruction of terminal transmission；This is referred to according to trade confirmation instruction
Fixed finance product is traded processing.
Above computer readable storage medium storing program for executing, it is specified according to trading instruction after the trading instruction for receiving terminal transmission
Finance product update finance product hold position table, finance product table of holding position can simulate the information after finance product transaction.And it solves
It analyses updated finance product to hold position table, obtains corresponding investment combination computation model, since investment combination computation model can be with
Calculate the finance product after combination.Therefore, table of holding position, updated investment are combined according to investment combination computation model replacement investment
The Transaction Information of combination finance product can intuitively be reflected by combining table of holding position.Updated finance product is held position table and investment
Combination table of holding position feeds back to terminal, can show that finance product holds position table and investment combination is held position table to user by terminal, use
Confirm the Transaction Information of finance product in family can also hold position table from finance product and investment combination is held position table, in Transaction Information just
Situation of Profit including finance product.Therefore, after user confirmed the situation of Profit of finance product, in that case it can be decided that whether pass through
Terminal sends trade confirmation instruction, to indicate that server continues trading processing, so as to be held position table by finance product
With investment combination hold position table rapidly obtain combination finance product situation of Profit, and then improve transaction finance product effect
Rate.
In one embodiment, following steps are also realized when processor executes computer program：Obtain the updated reason
Property product are held position the mark of finance product and volume of holding position in table；Hold position in table that there are groups when recognizing the updated finance product
When closing finance product, then the mark of the sub- finance product included by the combination finance product and volume of holding position are obtained；By the sub- financing
The volume comparison of always holding position of the hold position volume and corresponding finance product of product, calculates the accounting of holding position of the sub- finance product, obtains
Investment combination computation model.
In one embodiment, following steps are also realized when processor executes computer program：When receiving, the group is reasonable
When the corresponding trading instruction of property product, then the friendship of combination finance product is obtained according to the corresponding trading instruction of the combination finance product
Easy volume；The turnover is distributed according to the investment accounting of the combination finance product neutron finance product, obtains the sub- finance product
Turnover；Finance product is updated according to the turnover of the sub- finance product to hold position the volume of holding position of corresponding finance product in table；According to
The turnover of the sub- finance product and the updated volume of holding position of corresponding finance product, update the accounting of holding position of the sub- finance product.
In one embodiment, following steps are also realized when processor executes computer program：Obtain the receipts of finance product
Beneficial information；The finance product is updated according to the avail information to hold position the avail information of finance product in table；According to the investment combination
It holds position the accounting of holding position of the sub- finance product in table, obtains the avail information of the sub- finance product；According to the sub- finance product
Avail information updates the avail information that the investment combination is held position in table.
In one embodiment, following steps are also realized when processor executes computer program：It is held according to the finance product
Avail information in the table of storehouse and the investment combination are held position the avail information in table, and the revenue streams letter of the combination finance product is obtained
The revenue streams information of breath and corresponding independent finance product；Compare the revenue streams information of the combination finance product and corresponding
The revenue streams information of independent finance product, obtains comparing result；Finance product recommendation information is obtained according to the comparing result.
In one embodiment, following steps are also realized when processor executes computer program：When within a preset period of time
When not receiving the feedback information of the terminal, then at the end of the preset time period, according to the trading instruction reason specified to this
Property product are traded processing.
In one embodiment, following steps are also realized when processor executes computer program：When receiving finance product
When distribution of information, then judge the priority of the specified finance product whether higher than finance product in the finance product distribution of information
Priority；If it is not, then sending the instruction information for replacing finance product to the terminal；When the replacement for receiving terminal feedback is true
When recognizing instruction, is then confirmed according to the replacement and the finance product specified to this is instructed to be traded processing.
One of ordinary skill in the art will appreciate that realizing all or part of flow in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the flow of the embodiment of above-mentioned each method.Wherein,
Any reference to memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
Each technical characteristic of above example can be combined arbitrarily, to keep description succinct, not to above-described embodiment
In each technical characteristic it is all possible combination be all described, as long as however, the combination of these technical characteristics be not present lance
Shield is all considered to be the range of this specification record.
The several embodiments of the application above described embodiment only expresses, the description thereof is more specific and detailed, but simultaneously
It cannot therefore be construed as limiting the scope of the patent.It should be pointed out that coming for those of ordinary skill in the art
It says, under the premise of not departing from the application design, various modifications and improvements can be made, these belong to the protection of the application
Range.Therefore, the protection domain of the application patent should be determined by the appended claims.
Claims (10)
1. a kind of transaction processing method of finance product, the method includes：
Receive the trading instruction that terminal is sent；
The finance product update finance product specified according to the trading instruction is held position table；
It parses updated finance product to hold position table, obtains corresponding investment combination computation model；
Table of holding position is combined according to the investment combination computation model replacement investment；
Updated finance product is held position into table and investment combination table of holding position feeds back to the terminal；
Receive the trade confirmation instruction that the terminal is sent；
Processing is traded to the specified finance product according to trade confirmation instruction.
2. according to the method described in claim 1, the table it is characterized in that, the updated finance product of parsing is held position, obtains
Corresponding investment combination computation model, including：
The updated finance product is obtained to hold position the mark of finance product and volume of holding position in table；
When recognize the updated finance product hold position in table there is combination finance product when, then
Obtain the mark of the sub- finance product included by the combination finance product and volume of holding position；
By the volume comparison of always holding position of the hold position volume and corresponding finance product of the sub- finance product, the sub- financing production is calculated
The accounting of holding position of product, obtains investment combination computation model.
3. according to the method described in claim 2, it is characterized in that, the method further includes：
When receiving the corresponding trading instruction of the combination finance product, then merchandised accordingly according to the combination finance product
Instruction obtains the turnover of combination finance product；
The turnover is distributed according to the investment accounting of the combination finance product neutron finance product, obtains the sub- financing production
The turnover of product；
Finance product is updated according to the turnover of the sub- finance product to hold position the volume of holding position of corresponding finance product in table；
According to the turnover of the sub- finance product and the updated volume of holding position of corresponding finance product, the sub- finance product is updated
Accounting of holding position.
4. according to the method described in claim 2, it is characterized in that, the method further includes：
Obtain the avail information of finance product；
The finance product is updated according to the avail information to hold position the avail information of finance product in table；
It is held position according to the investment combination accounting of holding position of sub- finance product described in table, obtains the income of the sub- finance product
Information；
The avail information that the investment combination is held position in table is updated according to the avail information of the sub- finance product.
5. according to the method described in claim 4, it is characterized in that, the method further includes：
The avail information in table of being held position according to the finance product and the investment combination are held position the avail information in table, and institute is obtained
State the revenue streams information of the revenue streams information and corresponding independent finance product of combination finance product；
The revenue streams information for comparing the revenue streams information and corresponding independent finance product of the combination finance product, obtains
Comparing result；
Finance product recommendation information is obtained according to the comparing result.
6. according to the method described in claim 1, it is characterized in that, described hold position updated finance product table and investment group
Conjunction is held position after table feeds back to terminal, and the method further includes：
When not receiving the feedback information of the terminal within a preset period of time, then
At the end of the preset time period, processing is traded to the specified finance product according to the trading instruction.
7. method according to any one of claims 1 to 6, which is characterized in that the method further includes：
When receiving finance product distribution of information, then
Judge the specified finance product priority whether higher than in the finance product distribution of information finance product it is excellent
First grade；If it is not, then
The instruction information for replacing finance product is sent to the terminal；
When the replacement for receiving the terminal feedback confirms instruction, then confirm instruction to the specified reason according to the replacement
Property product are traded processing.
8. a kind of traction processing apparatus of finance product, which is characterized in that described device includes：
Receiving module, the trading instruction for receiving terminal transmission；
Update module, the finance product update finance product for being specified according to the trading instruction are held position table；
Parsing module holds position table for parsing updated finance product, obtains corresponding investment combination computation model；
The update module is additionally operable to combine table of holding position according to the investment combination computation model replacement investment；
Feedback module, for updated finance product being held position table and investment combination table of holding position feeds back to the terminal；
The receiving module is additionally operable to receive the trade confirmation instruction that the terminal is sent；
Trade processing module, for being traded processing to the specified finance product according to trade confirmation instruction.
9. a kind of computer equipment, including memory, processor and storage are on a memory and the meter that can run on a processor
Calculation machine program, which is characterized in that the processor realizes any one of claim 1 to 7 institute when executing the computer program
The step of stating method.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
The step of method described in any one of claim 1 to 7 is realized when being executed by processor.
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