CN109035026B - One-key financial product combined transaction flow control method and system - Google Patents
One-key financial product combined transaction flow control method and system Download PDFInfo
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- CN109035026B CN109035026B CN201810992121.7A CN201810992121A CN109035026B CN 109035026 B CN109035026 B CN 109035026B CN 201810992121 A CN201810992121 A CN 201810992121A CN 109035026 B CN109035026 B CN 109035026B
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract
The invention discloses a one-key financial product combined transaction flow control method and a system, wherein the method comprises the following steps: receiving a one-key purchase service starting instruction of a user; acquiring investment portfolio information and user information; verifying whether the investment portfolio information and the user information meet the purchase conditions of each product; generating a combined product transaction serial number; purchasing the products in sequence according to the processing priority order of the products; receiving a one-key withdrawal/redemption service initiation instruction of a user; withdrawing/redeeming the successfully purchased products in turn in order of processing priority for each product; when at least one product in the investment portfolio reaches the redemption period, a push-to-call transaction can be conducted. The invention ensures the integrity, consistency and transaction of the transaction process, can meet the individual requirements and business rules of different bank financial institutions, greatly improves the efficiency of verification and transaction time, and improves the experience of customers.
Description
Technical Field
The invention relates to the technical field of financial data processing, in particular to a one-key financial product combined transaction flow control method and system.
Background
Since the innovation was open, due to the strong and continuous economic growth of China, the wealth of China is rapidly accumulated, and the proportion of the abundant people in China is continuously increased. At present, the number of people at middle-grade reaches more than one hundred million, people have already occupied the world, and in addition, the social public continuously promotes the financial investment knowledge and concept, and more social public can select financial product combinations to invest and manage money. The financial product combination has the characteristics of stronger competitiveness, higher comprehensive income, risk avoidance and the like.
Currently, some financial institutions in the market perform single-category product combination purchase transaction in order to meet the transaction implementation of financial product combination. But cannot meet the business requirements of combined purchase of multiple types and quantities of financial products.
Disclosure of Invention
The invention aims to overcome the defects of the prior art and designs a one-key financial product combination transaction flow control method and system.
In order to achieve the purpose, the technical scheme adopted by the invention is as follows:
a one-key financial product combination transaction flow control method is characterized by comprising the following steps:
step 1: receiving a one-key purchase service starting instruction of a user for the pushed investment portfolio;
step 2: acquiring an investment portfolio and user information; the investment portfolio information comprises total purchase amount of the investment portfolio, product types in the investment portfolio and the quantity of each type of product, and the user information comprises user account balance and user historical purchase information;
and step 3: judging whether the balance of the user account is larger than the total purchase amount of the investment portfolio, if so, the transaction fails; if the product type is larger than the product type, judging the product types and the product quantity of each type in the investment portfolio, setting the processing priority of each product according to the product types, wherein the products of the same type have the same processing priority;
and 4, step 4: sequentially verifying whether the historical purchase information of the user meets the purchase conditions of all products according to a set processing priority sequence, carrying out multi-thread parallel verification on the products with the same processing priority, and if the historical purchase information of the user does not meet the purchase conditions of the currently verified products, stopping verification operation immediately and failing the transaction; if the historical purchase information of the user meets the purchase conditions of all products, generating a transaction serial number of the combined product;
and 5: according to the generated combined product transaction serial number, according to the processing priority sequence of each product, purchasing each product in sequence within set time, carrying out multi-thread parallel purchase on the products with the same processing priority, and if all the products are purchased within the set time, finishing one-key purchase service; if a certain currently purchased product is not purchased within the set time, the purchasing operation is immediately stopped, the transaction fails, meanwhile, the withdrawing mechanism unit withdraws the successfully purchased product within the set time according to the processing priority order of each product, if one or more products are not withdrawn within the set time, the withdrawing mechanism unit stores the transaction information of the product with the failed withdrawing list in the database, the Job monitoring unit traverses the product with the failed withdrawing list in the database according to the set cycle period and cycle times, and sends a withdrawing instruction to the withdrawing mechanism unit according to the traversing result to withdraw the product with the failed withdrawing list again;
and 6: when at least one product in the investment portfolio reaches the redemption period, a one-key warehouse adjusting service starting instruction of a user, a warehouse adjusting combination to be adjusted and the investment portfolio can be received from a mobile terminal or PC terminal equipment;
and 7: comparing products in the warehouse-to-be-dispatched combination and the investment combination, classifying the products in the two combinations into a reduced holding group and an increased holding group, sequentially redeeming the products in the reduced holding group according to the processing priority order of the products, acquiring the fund account condition of the redeemed products from a bank data interface by the Job monitoring unit after the products in the reduced holding group are successfully redeemed, repeating the steps 2, 3, 4 and 5 to buy the products in the increased holding group if the funds account condition is reached, updating and recording the product information of the warehouse-to-be-dispatched success, and completing the warehouse-to-be-dispatched service; if not, receiving a new cabin combination to be adjusted from the mobile terminal or the PC terminal equipment, and repeating the step to finish the one-key cabin adjustment service.
Preferably, the one-click purchase service further comprises a one-click withdrawal service and a one-click redemption service after the one-click purchase service is ended, and the specific steps of the one-click withdrawal service are as follows: receiving a one-key order-withdrawing service starting instruction of a user, and withdrawing the successfully purchased products in sequence according to the processing priority order of each product; the concrete steps of the one-key redemption business are as follows: receiving a one-click redemption service starting instruction of the user, and sequentially redeeming the products which reach the redemption period according to the processing priority sequence of the products.
Preferably, the transaction date of the one-key order-withdrawing service should be the same as the transaction date of the one-key purchase service.
Preferably, the user historical purchase information comprises a risk assessment state, a risk tolerance level, an individual first minimum investment amount, an individual single user accumulated maximum purchase amount, an individual single maximum purchase amount and an individual additional minimum investment amount; the risk assessment state is whether the user has performed risk assessment;
the step 4 of sequentially verifying whether the historical purchase information of the user meets the purchase condition of each product according to the set processing priority order comprises the following steps:
step 4.1: detecting the risk evaluation state of the user, and if the user does not perform risk evaluation, immediately stopping verification operation and failing transaction; otherwise, executing step 4.2;
step 4.2: matching the risk bearing grade of the user with the product risk grade ranked first in the priority sequence, if not, stopping the verification operation immediately, and failing the transaction; otherwise, step 4.3 is executed:
step 4.3: judging whether the product is a financial product or not and whether the user purchases the product or not, and if the product is a financial product and the user does not purchase the product, executing a step 4.4; if the product is a financial product and the user purchases the product, executing the step 4.5; if the product is not a financial product and the user has not purchased it, go to step 4.4; if the product is not a financial product and the user purchased the product, repeating the steps 4.2 and 4.3 to check the product of the next rank in the priority sequence;
step 4.4: judging whether the pre-purchase amount of the product by the user is larger than the personal first lowest investment amount and the personal single-user accumulated maximum purchase amount, if any one of the pre-purchase amount and the maximum purchase amount is not satisfied, if the transaction fails, otherwise, carrying out integral multiple check of the personal additional minimum investment money on the part of the product, the pre-purchase amount of which is larger than the personal first minimum investment money;
step 4.5: judging whether the sum of the total sum of the accumulated purchase amount of the product and the pre-purchase amount of the user is larger than the maximum purchase amount accumulated by the individual user or not, and if so, failing the transaction; otherwise, judging whether the pre-purchase amount is larger than the personal minimum investment amount, if so, failing the transaction, otherwise, judging whether the pre-purchase amount is smaller than the personal single maximum purchase amount and the personal single maximum purchase amount, and if not, failing the transaction; if not, continuously judging whether the pre-purchased sum is integral multiple of the minimum investment sum of the individual addition, if not, the transaction fails; otherwise, repeating the steps 4.2 and 4.3 to check the product of the next rank in the priority sequence.
Preferably, the step of traversing and querying the order removal failure product in the database by the Job monitoring unit according to the set cycle period and cycle number in the step 5 is as follows: the Job monitoring unit inquires whether the database has transaction information of the product with the order removal failure, and if not, inquires the database according to a set cycle period; if yes, a withdrawing instruction is sent to a withdrawing mechanism unit, a withdrawing order is withdrawn again for a product with a withdrawing order failure, and if the withdrawing order is successful, the transaction state of the database is modified; if the order removing fails, the order removing operation is repeatedly carried out within the set cycle number.
A one-key financial product combination transaction system comprises a data transmission unit, a product checking unit and a warehouse adjusting processing unit, wherein the data transmission unit is used for acquiring a service starting instruction, investment combination information and a warehouse adjusting combination from a mobile terminal or PC terminal device, acquiring user information from a bank data interface, and transmitting the received service starting instruction, the received investment combination information and the received user information to the product checking unit, or transmitting the received service starting instruction, the received investment combination information and the received warehouse adjusting combination to the warehouse adjusting processing unit;
the system comprises a checking rule setting unit, a checking rule setting unit and a checking rule setting unit, wherein the checking rule setting unit is used for setting a product checking rule, the product checking rule comprises transaction conditions and processing priority orders of products in an investment portfolio, and the products of the same type have the same processing priority;
the trade rule setting unit is used for setting commodity trade time;
the product verification unit is used for acquiring a product verification rule from the verification rule setting unit according to the received instruction signal, judging whether the user information or the investment combination information meets the product verification rule or not, and transmitting a verification result to the product transaction unit;
the product transaction unit is used for completing the transaction within the set commodity transaction time according to the received verification result and the processing priority order of each product;
the withdrawing mechanism unit is used for withdrawing the successfully purchased products within the set withdrawing time range and transmitting the transaction information of the products with failed order withdrawing to the database;
the database is used for storing the transaction information of the product with the sheet withdrawing failure;
the system comprises a warehouse adjusting processing unit, a product verifying unit and a product trading unit, wherein the warehouse adjusting processing unit is used for comparing products in a warehouse to be adjusted and an investment portfolio according to a received instruction signal, dividing all the products contained in the warehouse to be adjusted and the investment portfolio into a reduction-support group and an increase-support group, sending a verification instruction to the product verifying unit, verifying whether the products are allowed to be redeemed or not, sending a redemption instruction to the product trading unit to redeem the products in the reduction-support group after the verification is passed, and sending a verification instruction to the product verifying unit to start to purchase the products in the increase-support group after the products in the reduction-support group are successfully redeemed;
the Job monitoring unit is used for traversing and inquiring the list removing failure products in the database according to the set cycle period and cycle times, and if the list removing failure products exist, a removing instruction is sent to the removing mechanism unit, so that the removing mechanism unit can remove the list again on the list removing failure products in the database; or acquiring the redeemed fund of the deduction group product from the bank data interface to account, and transmitting a signal to the warehousing processing unit to enable the warehousing processing unit to send a verification instruction to the product verification unit.
Preferably, the service initiation instruction is a one-key purchase service initiation instruction, a one-key release service initiation instruction, a one-key redemption service initiation instruction, or a one-key putt service initiation instruction.
Preferably, the portfolio information includes a total amount of purchases of the portfolio, types of products in the portfolio, and a quantity of products of each type; the user information comprises user account balance and user historical purchase information; the transaction condition of the product comprises purchase condition, withdrawing condition and redemption condition; the commodity transaction time comprises commodity purchase time and commodity order withdrawing time.
Preferably, when the one-key transaction system starts running, the Job monitoring unit also starts running.
The invention has the following positive beneficial effects: through the control method of the one-key financial product combined transaction process, the original one-time purchase transaction process is transformed into the one-key multi-type large-quantity purchase, receipt removal, redemption and warehouse adjustment transaction process, and the integrity, consistency and transaction performance of the transaction process are guaranteed. Meanwhile, in the control method, the design of configurable verification rules at each stage can meet the individual requirements and business rules of different bank financial institutions. Through the optimization design of the control method, the efficiency of the verification and transaction time is greatly improved, and the experience of customers is improved.
The invention realizes the one-click purchase, order withdrawal, redemption and warehouse regulation process control of the combination of various financial products by means of positioning the attributes of different types of products, controlling the processes at various stages, configuring the check rules and the like, and can customize the rules individually for different bank financial institutions. Therefore, the method has wider market application prospect.
Drawings
In order to clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts.
FIG. 1 is a flow chart of a one-touch transaction service according to the present invention.
Fig. 2 is a flowchart for verifying whether the user's historical purchase information satisfies the product purchase condition.
FIG. 3 is a flow chart of the process of purchasing each product in the portfolio in sequence after successful verification.
Fig. 4 is a flowchart of a push-to-withdraw-single service.
FIG. 5 is a flow diagram of a one-touch redemption transaction.
Fig. 6 is a block diagram of the system of the present invention.
Detailed Description
In order that the objects, aspects and advantages of the invention will become more apparent, the invention will be described by way of example only, and in connection with the accompanying drawings. It is to be understood that such description is merely illustrative and not intended to limit the scope of the present invention. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present invention.
The terminology used in the present disclosure is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. As used in this disclosure and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
In the following description, suffixes such as "module", "component", or "unit" used to denote elements are used only for facilitating the explanation of the present invention, and have no specific meaning in themselves. Thus, "module" and "component" may be used in a mixture.
The embodiment is described with reference to fig. 1 to fig. 6, and the one-button financial product combination transaction system of the present invention includes a data transmission unit, a verification rule setting unit, a transaction rule setting unit, a product verification unit, a product transaction unit, a withdrawal mechanism unit, a database, a transfer processing unit, and a Job monitoring unit.
And the data transmission unit is used for acquiring a service starting instruction, investment portfolio information and a to-be-adjusted warehouse combination from a mobile terminal or PC terminal equipment, and acquiring user information from a bank data interface. The signal input end of the data transmission unit is respectively connected with the bank data interface, the mobile terminal or the PC terminal equipment, and the signal output end of the data transmission unit is respectively connected with the signal input ends of the product verification unit and the bin-adjusting processing unit.
The service starting instruction is a one-key purchase service starting instruction, a one-key single removal service starting instruction, a one-key redemption service starting instruction or a one-key transfer service starting instruction. The portfolio information includes a total amount of purchases for the portfolio, types of products in the portfolio, and a quantity of products of each type. The user information comprises user account balance and user historical purchase information.
When the data transmission unit receives user information, investment portfolio information, a one-key purchase service starting instruction or a one-key single-removal service starting instruction or a one-key redemption service starting instruction, the data transmission unit transmits the received data to the product verification unit.
When the data transmission unit receives the investment portfolio information, the combination of the bins to be adjusted and a one-key bin adjusting service starting instruction, the data transmission unit transmits the received data to the bin adjusting processing unit.
The checking rule setting unit is used for setting a product checking rule, and the signal output end of the checking rule setting unit is connected with the signal input end of the product checking unit. The product verification rules include transaction conditions of each product in the investment portfolio and a processing priority order of each product, and products of the same type have the same processing priority. The transaction conditions of the product include purchase conditions, withdrawal conditions and redemption conditions.
The transaction rule setting unit is used for setting commodity transaction time, and the signal output end of the transaction rule setting unit is connected with the signal input end of the product transaction unit. The commodity transaction time comprises commodity purchase time and commodity order withdrawing time.
And the product checking unit is used for acquiring a product checking rule from the checking rule setting unit according to the received instruction signal, judging whether the user information or the investment combination information meets the product checking rule or not, and transmitting a checking result to the product trading unit. The signal output end of the product checking unit is connected with the signal input end of the product transaction unit.
And the product transaction unit is used for completing the transaction within the set commodity transaction time according to the received verification result and the processing priority order of each product, wherein the commodity transaction time comprises commodity purchase time and commodity order withdrawing time. The signal output end of the product transaction unit is connected with the signal input end of the withdrawing mechanism unit.
And the withdrawing mechanism unit is used for withdrawing the successfully purchased products within a set withdrawing time range and transmitting the transaction information of the products with failed withdrawing list to the database. And the signal output end of the withdrawing mechanism unit is connected with the signal input end of the data.
And the database is used for storing the transaction information of the product with the sheet withdrawing failure, and the signal output end of the database is connected with the signal input end of the Job monitoring unit.
The warehouse mixing processing unit is used for comparing products in the warehouse mixing combination and the investment combination according to the received instruction signal, dividing all the products in the warehouse mixing combination and the investment combination into a reduction-support group and an increase-support group, sending a verification instruction to the product verification unit, verifying whether the products are allowed to be redeemed, sending a redemption instruction to the product trading unit to redeem the products in the reduction-support group after the verification is passed, and sending a verification instruction to the product verification unit to start purchasing the products in the increase-support group after the products in the reduction-support group are successfully redeemed. The signal input end of the bin adjusting processing unit is connected with the data transmission unit and the Job monitoring unit respectively, and the signal output end of the bin adjusting processing unit is connected with the product checking unit.
The Job monitoring unit is used for traversing and inquiring a list removing failure product in the database according to a set cycle period and cycle times, and if the list removing failure product exists, sending a removing instruction to the removing mechanism unit to enable the removing mechanism unit to remove the list again for the list removing failure product in the database; or acquiring the redeemed fund of the deduction group product from the bank data interface and sending a signal to the warehousing processing unit, so that the warehousing processing unit sends a verification instruction to the product verification unit. The signal input end of the Job monitoring unit is respectively connected with the database and the bank data interface of the system, and the signal output end of the Job monitoring unit is respectively connected with the signal input ends of the warehouse adjusting processing unit and the withdrawing mechanism unit.
When the service starting instruction received by the data transmission unit is a one-key purchase service starting instruction, the data transmission unit transmits the instruction signal, the investment portfolio information and the user information to the product verification unit, the product verification unit judges the product types and the product quantity of each type in the investment portfolio, acquires the purchase condition of each product from the verification rule setting unit, judges whether the user information meets the purchase condition of each product, generates a combined product transaction serial number, and transmits the transaction serial number to the product transaction unit. And the product transaction unit purchases the products within the set commodity purchase time according to the received data and the processing priority order of the products, and in the process, the same type of products with the same processing priority are purchased in a multithreading parallel mode. If a certain currently purchased product is not purchased within the set time, the product transaction unit sends a receipt withdrawing instruction to the withdrawal mechanism unit. And the withdrawing mechanism unit withdraws the successfully purchased products within the set commodity withdrawing time according to the processing priority order of each product, and stores the transaction information of the products with failed withdrawing orders into the database. And the Job monitoring unit traverses and queries the list removing failure products in the database according to the set cycle period and cycle times, and if the list removing failure products exist, a withdrawing instruction is sent to the withdrawing mechanism unit, so that the withdrawing mechanism unit withdraws the list again for the list removing failure products in the database.
When the service starting instruction received by the data transmission unit is a one-key order removing service starting instruction, the data transmission unit transmits the instruction signal, the investment portfolio information and the order removing single-flow serial number to the product verification unit, the product verification unit judges the product types and the product quantity of each type in the investment portfolio, judges whether the product order removing is allowed or not, and transmits the verification result to the product trading unit. And the product transaction unit withdraws the products in sequence according to the received data and the processing priority order of the products, and in the process, the same type of products with the same processing priority carry out multithreading parallel withdrawal.
When the service starting instruction received by the data transmission unit is a one-key redemption service starting instruction, the data transmission unit transmits the instruction signal, the investment portfolio information and the redemption serial number to the product verification unit, the product verification unit judges the product types and the product quantity of each type in the investment portfolio, judges whether the product is allowed to be redeemed or not, and transmits the verification result to the product trading unit. The product trading unit redeems the products in turn according to the received data and the processing priority order of the products, and during the process, the same type of products with the same processing priority are redeemed in parallel in a multi-thread mode.
And when the service starting instruction received by the data transmission unit is a one-key cabin dispatching service starting instruction, the data transmission unit transmits the instruction signal, the investment combination information and the cabin to be dispatched combination to the cabin dispatching processing unit. The method comprises the steps that a bin-mixing processing unit compares products in a bin-mixing combination to be mixed with products in an investment combination according to a received bin-mixing instruction signal, divides all the products in the two combinations into a hold-reducing group and a hold-increasing group, sends a verification instruction to a product verification unit, verifies whether the products are allowed to be redeemed, sends a redemption instruction to a product transaction unit after the verification is passed, sequentially redeems the products in the hold-reducing group according to a set product processing priority order, when the products in the hold-reducing group are successfully redeemed, a Job monitoring unit obtains fund-to-account condition of the redeemed products from a bank data interface, if the account is reached, the account-to-account signal is transmitted to the bin-mixing processing unit, the bin-mixing processing unit sends a purchase verification instruction to the product verification unit, the product verification unit sequentially buys the products in the hold-increasing group according to the received instruction according to an operation flow of one-key purchase, updates and records product information of successful bin-mixing, and the one-key bin mixing operation is completed. If the Job monitoring unit inquires that the redeemed fund is not yet paid, the information is transmitted to the transfer processing unit, and the transfer processing unit feeds the information back to the mobile terminal or the PC terminal equipment through the data transmission unit so as to receive a new to-be-transferred warehouse combination from the mobile terminal or the PC terminal equipment and carry out warehouse transfer operation again.
The one-key financial product combined purchasing process control method specifically comprises the following steps:
step 1: and receiving a one-key purchase service starting instruction of the user on the pushed investment portfolio.
Step 2: and acquiring investment portfolio information and user information.
The investment portfolio information comprises total purchase amount of the investment portfolio, product types in the investment portfolio and the quantity of each type of product, and the user information comprises user account balance and user historical purchase information.
The historical purchase information of the user comprises a risk evaluation state, a risk bearing grade, a personal first minimum investment amount, a personal single-user accumulated maximum purchase amount, a personal single-pen maximum purchase amount and a personal additional minimum investment amount; the risk assessment state is whether the user has performed risk assessment.
And step 3: judging whether the balance of the user account is larger than the total purchase amount of the investment portfolio, if so, the transaction fails; if the product type is larger than the product type, judging the product type and the product quantity of each type in the investment portfolio, setting the processing priority of each product according to the product type, wherein the products of the same type have the same processing priority.
And 4, step 4: sequentially verifying whether the historical purchase information of the user meets the purchase condition of each product according to the set processing priority order, carrying out multi-thread parallel verification on the products with the same processing priority, and if the historical purchase information of the user does not meet the purchase condition of the currently verified product, immediately stopping verification operation and failing transaction; and if the purchase conditions of all the products are met, generating a combined product transaction serial number.
Specifically, the step of sequentially verifying whether the historical purchase information of the user meets the purchase condition of each product according to the set processing priority order comprises the following steps:
step 4.1: detecting the risk evaluation state of the user, if the user does not perform risk evaluation, stopping the verification operation immediately, and failing the transaction; otherwise, step 4.2 is executed:
step 4.2: matching the risk bearing level of the user with the risk level of the product ranked first in the priority sequence, if not, immediately stopping the verification operation, and failing the transaction; otherwise, step 4.3 is executed:
step 4.3: judging whether the product is a financial product or not and whether the user purchases the product or not, and if the product is a financial product and the user does not purchase the product, executing a step 4.4; if the product is a financial product and the user purchases the product, executing the step 4.5; if the product is not a financial product and the user has not purchased it, go to step 4.4; if the product is not a financial product and the user purchased the product, repeating the steps 4.2 and 4.3 to check the product of the next rank in the priority sequence;
step 4.4: and judging whether the pre-purchase amount of the product by the user is larger than the personal first lowest investment amount and the personal single-user accumulated maximum purchase amount, if any one product is not satisfied, the transaction is failed, and if not, performing integral multiple verification of the personal additional minimum investment amount on the part of the product of which the pre-purchase amount is larger than the personal first lowest investment amount.
Step 4.5: judging whether the sum of the total sum of the accumulated purchase amount of the product and the pre-purchase amount of the user is larger than the maximum purchase amount accumulated by the individual user or not, and if so, failing the transaction; otherwise, judging whether the pre-purchase amount is larger than the personal minimum investment amount, if so, failing the transaction, otherwise, judging whether the pre-purchase amount is smaller than the personal single maximum purchase amount, and if any one product does not meet the transaction rule, failing the transaction; if not, continuously judging whether the pre-purchased sum is integral multiple of the minimum investment sum of the individual addition, if not, the transaction fails; otherwise, repeating the steps 4.2 and 4.3 to check the product of the next rank in the priority sequence.
And 5: according to the generated combined product transaction serial number, according to the processing priority sequence of each product, purchasing each product in sequence within set time, carrying out multi-thread parallel purchase on the products with the same processing priority, and finishing one-key purchase service if all the products are purchased within the set time; if a certain product purchased at present is not purchased within the set time, the purchasing operation is immediately stopped, the transaction fails, meanwhile, the withdrawing mechanism unit withdraws the successfully purchased products within the set time according to the processing priority order of each product, and if one or more products are not withdrawn within the set time, the withdrawing mechanism unit stores the transaction information of the products with the failed withdrawing list in the database. The Job monitoring unit inquires whether the database has transaction information of the product with the order removal failure, and if not, inquires the database according to a set cycle period; if yes, a withdrawing instruction is sent to a withdrawing mechanism unit, a withdrawing order is withdrawn again for a product with a withdrawing order failure, and if the withdrawing order is successful, the transaction state of the database is modified; if the order removing fails, the order removing operation is repeated within the set cycle times.
Step 6: when at least one product in the investment portfolio reaches the redemption period, a one-key warehouse adjusting service starting instruction of a user, a warehouse adjusting combination to be adjusted and the investment portfolio can be received from a mobile terminal or PC terminal equipment;
and 7: comparing products in the warehouse-to-be-dispatched combination and the investment combination, classifying the products in the two combinations into a reduced holding group and an increased holding group, sequentially redeeming the products in the reduced holding group according to the processing priority order of the products, acquiring the fund account condition of the redeemed products from a bank data interface by the Job monitoring unit after the products in the reduced holding group are successfully redeemed, repeating the steps 2, 3, 4 and 5 to buy the products in the increased holding group if the funds account condition is reached, updating and recording the product information of the warehouse-to-be-dispatched success, and completing the warehouse-to-be-dispatched service; if not, receiving a new cabin combination to be adjusted from the mobile terminal or the PC terminal equipment, and repeating the step to finish the one-key cabin adjustment service.
The one-key purchase service also comprises a one-key withdrawing service and a one-key redemption service after the one-key purchase service is ended, and the transaction date of the one-key withdrawing service is the same as that of the one-key purchase service.
The specific steps of the one-key order removing service are as follows: receiving a one-key order-withdrawing service starting instruction of a user, and withdrawing the successfully purchased products in sequence according to the processing priority order of each product;
the concrete steps of the one-key redemption business are as follows: receiving a one-click redemption service starting instruction of the user, and sequentially redeeming the products which reach the redemption period according to the processing priority sequence of the products.
It is assumed that the investment portfolio received by the data transmission unit from the mobile terminal or the PC side device is composed of two financial products 1, 2, 1 and 2. The one-touch financial product portfolio purchase process control method of the present invention will be specifically described below by taking the investment portfolio as an example.
Step 1: and receiving a one-key purchase service starting instruction of the user on the pushed investment portfolio through the data transmission unit.
Step 2: and acquiring investment portfolio information and user information.
And step 3: judging whether the balance of the user account is larger than the total purchase amount of the investment portfolio, if so, the transaction is failed; if the product type and the product quantity of each type in the investment portfolio are larger than the preset value, the processing priority order of each product is set to be the financing product > fund product, the processing order of the financing product 1 is = the processing order of the financing product 2, and the processing order of the fund product 1 is = the processing order of the fund product 2.
And 4, step 4: the processing priority order of each product firstly verifies whether the historical purchase information of the user meets the purchase condition of the financial product, if so, then verifies whether the historical purchase information of the user meets the purchase condition of the fund product, and if so, then verifies whether the historical purchase information of the user saves the purchase condition of the deposit.
The specific steps for verifying whether the historical purchase information of the user meets the purchase condition of the financial product are as follows:
detecting the risk evaluation state of the user, if the user does not perform risk evaluation, stopping the verification operation immediately, and failing the transaction; otherwise, matching the risk bearing level of the user with the risk level of the financial product 1, if not, immediately stopping the verification operation and failing the transaction; if not, judging whether the user purchases the product, if not, judging whether the pre-purchase amount of the product is larger than the personal first lowest investment amount and the personal single-user accumulated maximum purchase amount, if not, the transaction is failed, otherwise, carrying out integral multiple verification of the personal additional lowest investment amount on the part of the product, of which the pre-purchase amount is larger than the personal first lowest investment amount; if the user purchases the product, judging whether the sum of the total sum of the accumulated purchase amount of the product and the pre-purchase amount of the product purchased by the user is larger than the maximum accumulated purchase amount of the individual user, and if so, failing the transaction; otherwise, judging whether the pre-purchase amount is larger than the personal minimum investment amount, if so, failing the transaction, otherwise, judging whether the pre-purchase amount is smaller than the personal single maximum purchase amount and the personal single maximum purchase amount, and if one is not satisfied, failing the transaction; if not, continuously judging whether the pre-purchased sum is integral multiple of the personal minimum additional investment sum, if so, the historical purchase information of the user meets the purchase condition of the financial product 1, and then checking the fund product.
And simultaneously verifying the historical user purchase information and the purchase condition of the financial product 1 in a thread parallel mode while verifying and matching the historical user purchase information and the purchase condition of the financial product 2. The specific steps of verifying the historical purchase information of the user and the purchase conditions of the financial product 2 are the same as those of the financial product 1, and are not described in detail herein.
When the user's historical purchase information satisfies the purchase conditions of the financial product 1 and the financial product 2, it is then verified whether the user's historical purchase information satisfies the purchase conditions of the fund product.
The specific steps for verifying whether the historical purchase information of the user meets the purchase condition of the fund product are as follows:
matching the risk bearing grade of the user with the risk grade of the fund product 1, if the risk bearing grade and the risk grade are not matched, stopping the verification operation immediately, and failing the transaction; otherwise, judging whether the user has bought the product, if not, judging whether the user has bought the product in advance, and if one has not bought the product, judging whether the amount of money bought in advance by the user is larger than the personal first lowest investment amount and the personal single-user accumulated maximum purchase amount, if one does not satisfy, the transaction fails, otherwise, performing integral multiple check of the personal additional lowest investment amount on the part of the product, of which the amount of money bought in advance is larger than the personal first lowest investment amount, if the part of the product, of which the amount of money is larger than the personal first lowest investment amount, is integral multiple of the personal additional lowest investment amount, the user historical purchase information satisfies the purchase condition of the fund product 1, otherwise, the check fails. If the user purchases the product, the verification passes.
And simultaneously verifying the historical user purchase information and the purchase conditions of the fund product 1 in a thread parallel mode while verifying and matching the historical user purchase information and the purchase conditions of the fund product 2. The specific steps of verifying the historical purchase information of the user and the purchase conditions of the fund product 2 are the same as those of the fund product 1, and are not described in detail herein.
And when the historical purchase information of the user meets the purchase conditions of the fund product 1 and the fund product 2, the product verification unit generates a combined product transaction serial number and sends the combined product transaction serial number to the product transaction unit.
And 5: and the product transaction unit purchases the products in sequence within set time according to the generated combined product transaction serial number and the processing priority order of the products, namely purchasing the financial product firstly, and purchasing the financial product 1 and the financial product 2 simultaneously in a thread parallel mode. If the financial product 1 or/and the financial product 2 are not purchased within the set time, the purchasing operation is immediately stopped, the transaction fails, and meanwhile, the product transaction unit sends a withdrawing instruction to the withdrawing mechanism unit, so that the withdrawing mechanism unit withdraws the financial product which is successfully purchased. And if the financial product is purchased within the set time, purchasing the fund product, and simultaneously purchasing the fund product 1 and the fund product 2 in a thread parallel mode. If the fund product 1 or/and the fund product 2 are/is not purchased within the set time, the purchasing operation is stopped immediately, the transaction fails, and meanwhile, the product transaction unit sends a withdrawing instruction to the withdrawing mechanism unit, so that the withdrawing mechanism unit withdraws the financial products and the fund products which are purchased successfully.
When the withdrawing mechanism unit withdraws the products which are successfully purchased, if one or more products do not complete withdrawal within the set time, the withdrawing mechanism unit stores the transaction information of the products which fail in withdrawing the receipt in the database, that is, if the fund product 1 does not complete the purchase within the set time and the financial product 1, the financial product 2 and the fund product 2 are successfully purchased, the withdrawing mechanism unit withdraws the financial product 1, the financial product 2 and the fund product 2 in sequence, and if the financial product 2 and the fund product 2 fail in withdrawing, the withdrawing mechanism unit stores the transaction information of the two products in the database.
The Job monitoring unit queries a database according to a set cycle; if the transaction information of the product with the list removing failure exists, a list removing instruction is sent to a list removing mechanism unit, the list removing is carried out on the product with the list removing failure again, and if the list removing is successful, the transaction state of the database is modified; and if the order removing fails, repeatedly inquiring the database within the set cycle number, and performing order removing operation. If the order removing operation can not be completed within the set circulation times, the administrator is contacted to handle the abnormal condition.
Step 6: assuming that the financing product 1, the financing product 2 and the fund product 1 in the investment portfolio reach the redemption period, a one-key warehouse-adjusting service starting instruction of the user, a warehouse-to-be-adjusted portfolio and the investment portfolio can be received from a mobile terminal or a PC terminal device.
And 7: suppose that the investment shares of the financing product 1, the financing product 2, the fund product 1 and the fund product 2 in the investment portfolio are all 25%. The warehouse combination comprises three products of a financing product 1, a financing product 2 and a fund product 1, wherein the financing product 1 accounts for 30% of the investment, the financing product 2 accounts for 50% of the investment, and the fund product 1 accounts for 20% of the investment.
The warehouse adjusting processing unit compares products in the warehouse to be adjusted combination and the investment combination, classifies the products in the two combinations into a reduction group and an increase group, wherein the products in the reduction group are fund products 1 and fund products 2, and the products in the increase group are financial products 1 and financial products 2.
The warehousing processing unit sends a checking instruction to the product checking unit according to the grouping result, checks whether the redemption is allowed, sends a redemption instruction to the product trading unit after the checking is passed, and redeems the products in the deduction group in sequence according to the processing priority order of the products, namely, the fund product 1 and the fund product 2 are redeemed simultaneously in a thread-parallel mode. When the redemption operation is performed, it is first determined whether the redemption is allowed, and if the redemption is allowed, the redemption is performed.
When the products in the deduction group are successfully redeemed, the Job monitoring unit acquires the fund account condition of the redeemed products from the bank data interface, if the products are already accounted, the steps 2, 3, 4 and 5 are repeated for purchasing the products in the deduction group by one key, the product information of successful bin adjustment is updated and recorded, and the one-key bin adjustment business is completed; if not, receiving a new cabin combination to be adjusted from the mobile terminal or the PC terminal equipment, and repeating the step to finish the one-key cabin adjustment service.
The one-key purchase service also comprises a one-key cancel service after the one-key purchase service is finished.
The control process of the one-key order removing service comprises the following steps:
firstly, a one-key order-withdrawing service starting instruction, investment portfolio information and a withdrawing single-flow number of a user are received through a data transmission unit.
Then, the product checking unit judges the product types and the product quantity of each type in the investment portfolio, firstly, according to the processing priority sequence of each product, whether the financial product is allowed to withdraw the order is checked, in the process, the financial product 1 and the financial product 2 are simultaneously checked in a thread parallel mode, if one product is not checked, the order withdrawing operation is immediately stopped, and the order withdrawing is failed; and if the two products are allowed to withdraw the order, the product transaction unit withdraws the financing product 1 and the financing product 2 simultaneously in a thread parallel mode.
After the financial product 1 and the financial product 2 are successfully removed, checking whether the fund product allows the removal of the fund, and in the same way, in the process, the fund product 1 and the fund product 2 are simultaneously checked in a thread parallel mode, if one product does not pass the check, the operation of removing the fund is immediately stopped, and the removal of the fund fails; if both products allow withdrawal, the product trading unit withdraws the fund product 1 and the fund product 2 simultaneously in a thread-parallel manner.
When a product in a one-touch purchase service expires, a one-touch redemption service may be conducted.
The control process of the one-click redemption business comprises the following steps:
first, a one-touch redemption service initiation instruction, portfolio information, and redemption serial number of a user are received through a data transmission unit.
Then, the product checking unit judges the product types and the product quantity of each type in the investment portfolio, firstly, according to the processing priority sequence of each product, whether the financial product is allowed to be redeemed (whether the main check meets the redeeming amount) is checked, in the process, the financial product 1 and the financial product 2 are simultaneously checked in a thread parallel mode, if one product does not pass the check, the redeeming operation is immediately stopped, and the redeeming is failed; if both products are allowed to be redeemed, the product transaction unit withdraws financial product 1 and financial product 2 simultaneously in a thread-parallel manner.
After the financial product 1 and the financial product 2 are completely withdrawn successfully, checking whether the fund product is allowed to be redeemed (whether the main check meets the redemption share), and in the process, simultaneously checking the fund product 1 and the fund product 2 in a thread parallel mode, if one product does not pass the check, immediately stopping the redemption operation, and failing to redeem; if both products are allowed to redeem, the product transaction unit withdraws both the fund product 1 and the fund product 2 simultaneously in a thread-parallel manner.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention and not to limit it; although the present invention has been described in detail with reference to the preferred embodiments, those skilled in the art should understand that; modifications to the specific embodiments of the invention or equivalent substitutions for parts of the technical features may be made; without departing from the spirit of the present invention, it is intended to cover all aspects of the invention as defined by the appended claims.
Claims (7)
1. A one-key financial product combination transaction flow control method is characterized by comprising the following steps:
step 1: receiving a one-key purchase service starting instruction of a user for the pushed investment portfolio;
step 2: acquiring investment portfolio and user information; the investment portfolio information comprises total purchase amount of the investment portfolio, product types in the investment portfolio and the quantity of each type of product, and the user information comprises user account balance and user historical purchase information;
and step 3: judging whether the balance of the user account is larger than the total purchase amount of the investment portfolio or not, and if so, failing the transaction; if the number of the products in the investment portfolio is larger than the preset number, judging the product types and the product quantity of each type in the investment portfolio, setting the processing priority of each product according to the product types, wherein the products of the same type have the same processing priority;
and 4, step 4: sequentially verifying whether the historical purchase information of the user meets the purchase condition of each product according to the set processing priority order, carrying out multi-thread parallel verification on the products with the same processing priority, and if the historical purchase information of the user does not meet the purchase condition of the currently verified product, immediately stopping verification operation and failing transaction; if the historical purchase information of the user meets the purchase conditions of all products, generating a transaction serial number of the combined product;
and 5: according to the generated combined product transaction serial number, according to the processing priority sequence of each product, purchasing each product in sequence within set time, carrying out multi-thread parallel purchase on the products with the same processing priority, and if all the products are purchased within the set time, finishing one-key purchase service; if a certain currently purchased product is not purchased within the set time, the purchasing operation is immediately stopped, the transaction fails, meanwhile, the withdrawing mechanism unit withdraws the successfully purchased product within the set time according to the processing priority order of each product, if one or more products are not withdrawn within the set time, the withdrawing mechanism unit stores the transaction information of the product with the failed withdrawing list in the database, the Job monitoring unit traverses the product with the failed withdrawing list in the database according to the set cycle period and cycle times, and sends a withdrawing instruction to the withdrawing mechanism unit according to the traversing result to withdraw the product with the failed withdrawing list again;
and 6: when at least one product in the investment portfolio reaches the redemption period, a one-key warehouse adjusting service starting instruction of a user, a warehouse adjusting combination to be adjusted and the investment portfolio can be received from a mobile terminal or PC terminal equipment;
and 7: comparing products in the warehouse-to-be-dispatched combination and the investment combination, classifying the products in the two combinations into a reduced holding group and an increased holding group, sequentially redeeming the products in the reduced holding group according to the processing priority order of the products, acquiring the fund account condition of the redeemed products from a bank data interface by the Job monitoring unit after the products in the reduced holding group are successfully redeemed, repeating the steps 2, 3, 4 and 5 to buy the products in the increased holding group if the funds account condition is reached, updating and recording the product information of the warehouse-to-be-dispatched success, and completing the warehouse-to-be-dispatched service; if not, receiving a new bin-to-be-adjusted combination from the mobile terminal or the PC terminal equipment, and repeating the step to complete the one-key bin-adjusting service;
the historical purchase information of the user comprises a risk evaluation state, a risk bearing grade, a personal first minimum investment amount, a personal single-user accumulated maximum purchase amount, a personal single-pen maximum purchase amount and a personal additional minimum investment amount; the risk assessment state is whether the user has performed risk assessment;
the step 4 of sequentially verifying whether the historical purchase information of the user meets the purchase condition of each product according to the set processing priority order comprises the following steps:
step 4.1: detecting the risk evaluation state of the user, and if the user does not perform risk evaluation, immediately stopping verification operation and failing transaction; otherwise, executing step 4.2;
step 4.2: matching the risk bearing grade of the user with the product risk grade ranked first in the priority sequence, if not, stopping the verification operation immediately, and failing the transaction; otherwise, step 4.3 is executed:
step 4.3: judging whether the product is a financial product or not and whether the user purchases the product or not, and if the product is a financial product and the user does not purchase the product, executing a step 4.4; if the product is a financial product and the user purchases the product, executing the step 4.5; if the product is not a financial product and the user has not purchased it, go to step 4.4; if the product is not a financial product and the user purchased the product, repeating the steps 4.2 and 4.3 to check the product of the next rank in the priority sequence;
step 4.4: judging whether the pre-purchase amount of the product by the user is larger than the personal first lowest investment amount and the personal single-user accumulated maximum purchase amount, if any one of the pre-purchase amount and the maximum purchase amount is not satisfied, the transaction is failed, otherwise, integral multiple check of the personal additional lowest investment money is carried out on the part of the product, the pre-purchase amount of which is larger than the personal first lowest investment money;
step 4.5: judging whether the sum of the total sum of the accumulated purchase amount of the product and the pre-purchase amount of the user is larger than the maximum purchase amount accumulated by the individual user or not, and if so, failing the transaction; otherwise, judging whether the pre-purchase amount is larger than the personal minimum investment amount, if so, failing the transaction, otherwise, judging whether the pre-purchase amount is smaller than the personal single maximum purchase amount and the personal single maximum purchase amount, and if one is not satisfied, failing the transaction; otherwise, continuously judging whether the pre-purchase amount is an integral multiple of the minimum investment amount added by the individual or not, and if not, failing the transaction; otherwise, repeating the steps 4.2 and 4.3 to check the product of the next rank in the priority sequence.
2. The method of claim 1, wherein the one-click financial product portfolio transaction process control method further comprises a one-click de-order transaction and a one-click redemption transaction after the one-click purchase transaction is completed,
the specific steps of the one-key order removing service are as follows: receiving a one-key order-withdrawing service starting instruction of a user, and withdrawing the successfully purchased products in sequence according to the processing priority order of each product;
the concrete steps of the one-key redemption business are as follows: receiving a one-touch redemption service starting instruction of the user, and sequentially redeeming the products which reach the redemption period according to the processing priority order of the products.
3. The method as claimed in claim 2, wherein the transaction date of the one-touch withdrawal transaction is the same as the transaction date of the one-touch purchase transaction.
4. The one-click financial product combination transaction flow control method according to claim 1, wherein the step of the Job monitoring unit in step 5 traversing and querying the order-removing failed product in the database according to the set cycle period and cycle number comprises the following steps:
the Job monitoring unit inquires whether the database has transaction information of the product with the order removal failure, and if not, inquires the database according to a set cycle period; if yes, a withdrawing instruction is sent to a withdrawing mechanism unit, a withdrawing order is withdrawn again for a product with a withdrawing order failure, and if the withdrawing order is successful, the transaction state of the database is modified; if the order removing fails, the order removing operation is repeated within the set cycle times.
5. A one-click financial product combination transaction system, comprising
The data transmission unit is used for acquiring a service starting instruction, investment combination information and a to-be-debugged warehouse combination from a mobile terminal or PC terminal device, acquiring user information from a bank data interface, and transmitting the received service starting instruction, the received investment combination information and the received user information to the product verification unit, or transmitting the received service starting instruction, the received investment combination information and the received to-be-debugged warehouse combination to the debugged processing unit; the investment portfolio information includes total purchase amount of the investment portfolio, product types in the investment portfolio and the number of each type of product; the user information comprises user account balance and user historical purchase information;
the system comprises a checking rule setting unit, a checking rule setting unit and a checking rule setting unit, wherein the checking rule setting unit is used for setting a product checking rule, the product checking rule comprises transaction conditions and processing priority orders of products in an investment portfolio, and the products of the same type have the same processing priority;
the trade rule setting unit is used for setting commodity trade time;
the product verification unit is used for acquiring a product verification rule from the verification rule setting unit according to the received instruction signal, judging whether the user information or the investment combination information meets the product verification rule or not, and transmitting a verification result to the product transaction unit, and specifically comprises the following steps: sequentially verifying whether the historical purchase information of the user meets the purchase condition of each product according to the set processing priority order, carrying out multi-thread parallel verification on the products with the same processing priority, and if the historical purchase information of the user does not meet the purchase condition of the currently verified product, immediately stopping verification operation and failing transaction; if the historical purchase information of the user meets the purchase conditions of all products, generating a transaction serial number of the combined product;
the product transaction unit is used for completing the transaction within the set commodity transaction time according to the received verification result and the processing priority order of each product, and specifically comprises the following steps: according to the generated combined product transaction serial number, according to the processing priority sequence of each product, purchasing each product in sequence within set time, carrying out multi-thread parallel purchase on the products with the same processing priority, and if all the products are purchased within the set time, finishing one-key purchase service; if a certain currently purchased product is not purchased within the set time, the purchasing operation is immediately stopped, and the transaction is failed;
the withdrawing mechanism unit is used for withdrawing the successfully purchased products within a set withdrawing time range and transmitting the transaction information of the products with failed withdrawing orders to the database, and specifically comprises the following steps: withdrawing the successfully purchased products within the set time according to the processing priority order of each product, and if one or more products do not finish withdrawing the list within the set time, the withdrawing mechanism unit stores the transaction information of the products with failed list withdrawal in a database;
the database is used for storing the transaction information of the product with the sheet withdrawing failure;
the system comprises a warehouse adjusting processing unit, a product verifying unit and a product verifying unit, wherein the warehouse adjusting processing unit is used for comparing products in a warehouse to be adjusted and an investment portfolio according to a received instruction signal, dividing all the products contained in the warehouse to be adjusted and the investment portfolio into a deduction group and an increase group, sending a verifying instruction to the product verifying unit, enabling the product trading unit to redeem the products in the deduction group after verification is passed, and sending the verifying instruction to the product verifying unit to start purchasing the products in the increase group after the products in the decrease group are successfully redeemed;
the Job monitoring unit is used for traversing and inquiring the list removing failure products in the database according to the set cycle period and cycle times, and if the list removing failure products exist, a removing instruction is sent to the removing mechanism unit, so that the removing mechanism unit can remove the list again on the list removing failure products in the database; or acquiring the redeemed funds of the deduction group products from the bank data interface and sending the signals to the warehousing processing unit, so that the warehousing processing unit sends a verification instruction to the product verification unit;
the transaction condition of the product comprises purchase condition, withdrawing condition and redemption condition;
the commodity transaction time comprises commodity purchase time and commodity order withdrawing time;
the historical purchase information of the user comprises a risk evaluation state, a risk bearing grade, a personal first minimum investment amount, a personal single-user accumulated maximum purchase amount, a personal single-pen maximum purchase amount and a personal additional minimum investment amount; the risk assessment state is whether the user has performed risk assessment;
the step of sequentially verifying whether the historical purchase information of the user meets the purchase condition of each product according to the set processing priority order comprises the following steps:
step 4.1: detecting the risk evaluation state of the user, if the user does not perform risk evaluation, stopping the verification operation immediately, and failing the transaction; otherwise, executing step 4.2;
step 4.2: matching the risk bearing grade of the user with the product risk grade ranked first in the priority sequence, if not, stopping the verification operation immediately, and failing the transaction; otherwise, step 4.3 is executed:
step 4.3: judging whether the product is a financial product or not and whether the user purchases the product or not, and if the product is a financial product and the user does not purchase the product, executing a step 4.4; if the product is a financial product and the user purchases the product, executing the step 4.5; if the product is not a financial product and the user has not purchased it, go to step 4.4; if the product is not a financial product and the user purchased the product, repeating the steps 4.2 and 4.3 to check the product of the next rank in the priority sequence;
step 4.4: judging whether the pre-purchase amount of the product by the user is larger than the personal first lowest investment amount and the personal single-user accumulated maximum purchase amount, if any one of the pre-purchase amount and the personal single-user accumulated maximum purchase amount is not satisfied, failing the transaction, and if not, carrying out integral multiple check of the personal additional minimum investment amount on the part of the product, of which the pre-purchase amount is larger than the personal first lowest investment amount;
step 4.5: judging whether the sum of the total sum of the product purchased by the user in an accumulated way and the pre-purchased purchase sum is larger than the maximum purchase sum accumulated by a single individual user or not, and if so, failing the transaction; otherwise, judging whether the pre-purchase amount is larger than the personal minimum investment amount, if so, failing the transaction, otherwise, judging whether the pre-purchase amount is smaller than the personal single maximum purchase amount and the personal single maximum purchase amount, and if not, failing the transaction; if not, continuously judging whether the pre-purchased sum is integral multiple of the minimum investment sum of the individual addition, if not, the transaction fails; otherwise, repeating the steps 4.2 and 4.3 to check the product of the next rank in the priority sequence.
6. The one-button financial product combination transaction system of claim 5, wherein the service initiation instruction is a one-button purchase service initiation instruction or a one-button withdraw service initiation instruction or a one-button redemption service initiation instruction or a one-button cash-out service initiation instruction.
7. The one-button financial product portfolio transaction system of claim 5, wherein the one-button transaction system is enabled and the Job monitoring unit is enabled.
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| CN111626865B (en) * | 2020-05-22 | 2023-10-03 | 泰康保险集团股份有限公司 | Data processing method, device, electronic equipment and storage medium |
| CN111815466A (en) * | 2020-07-15 | 2020-10-23 | 前海人寿保险股份有限公司 | Transaction flow control method, device, equipment and readable storage medium |
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