CN109255706A - A kind of one-touch portfolio process of purchase control method and system - Google Patents
A kind of one-touch portfolio process of purchase control method and system Download PDFInfo
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- CN109255706A CN109255706A CN201810992122.1A CN201810992122A CN109255706A CN 109255706 A CN109255706 A CN 109255706A CN 201810992122 A CN201810992122 A CN 201810992122A CN 109255706 A CN109255706 A CN 109255706A
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Abstract
The invention discloses a kind of one-touch portfolio process of purchase control method and systems, the described method comprises the following steps: receiving the one-button-to-buy initiation of services instruction of user;Obtain portfolio investment information and user information;Whether verification portfolio investment information and user information meet the purchase condition of each product;Generate combination product transaction journal number;According to the processing priority sequence of each product, each product is successively bought;The key for receiving user removes list/redemption initiation of services instruction;According to the processing priority sequence of each product, the product for having succeeded and having bought successively is recalled/redeemed.The present invention provides a kind of purchase-transaction flow and methods of one-touch polymorphic type multi-quantity, it ensure that the globality, consistency, transactional of purchase-transaction process, it can satisfy the individual demand and business rule of different bank finance mechanisms, the efficiency for greatly improving verification and exchange hour promotes the experience of client.
Description
Technical field
The present invention relates to finance data processing technology fields, more particularly to a kind of one-touch portfolio purchase stream
Process control method and system.
Background technique
Since reform and opening-up, due to powerful, the lasting economic growth of China, Chinese national wealth realizes Rapid Accumulation,
Chinese affluence population ratio is continuously increased.Middle class's number has occupied the hat in the whole world, in addition society up to more than 100,000,000 at present
Continuous promotion to financial investment knowledge and theory, more societies can select portfolio to carry out Investment & Financing.
Portfolio has the characteristics that stronger competitive, higher comprehensive income, avoiding risk property.
Vehicles Collected from Market has part financial institution to meet the transaction of portfolio and realize, has carried out single classification
Product mix purchase-transaction realize.But it is unable to satisfy the business demand of the portfolio purchase of polymorphic type multi-quantity.
Summary of the invention
The purpose of the present invention is overcome the deficiencies in the prior art, design a kind of one-touch portfolio process of purchase
Control method and system.
In order to achieve the above objectives, the technical scheme adopted by the invention is that:
A kind of one-touch portfolio process of purchase control method, specifically includes the following steps:
Step 1: receiving user and the one-button-to-buy initiation of services of the investment combination of push is instructed;
Step 2: obtaining portfolio investment information and user information;The portfolio investment information includes that the purchase of investment combination is always golden
Product type and each type of product quantity in volume, investment combination, the user information include user account remaining sum, use
Family historical purchase information;
Step 3: judging whether user account remaining sum is greater than the purchase total amount of investment combination, if being less than, Fail Transaction;If big
In then judging the product type and each type of product quantity in investment combination, set each product according to product type
Processing priority, same type of product processing priority having the same;
Step 4: according to the processing priority sequence of setting, successively verifying the purchase whether user's history purchase information meets each product
Condition is bought, the product with same treatment priority carries out multi-threaded parallel verification, if user's history purchase information is unsatisfactory for working as
The purchase condition of preceding verification product, verification operation stop immediately, Fail Transaction;If meeting the purchase condition of all products, generate
Combination product transaction journal number;
Step 5: according to the combination product transaction journal number of generation, according to the processing priority sequence of each product, in setting time
Each product is inside successively bought, the product with same treatment priority carries out multi-threaded parallel purchase, if all products are being set
Interior purchase of fixing time is completed, then one-button-to-buy service ending;If a certain product currently bought does not complete purchase within the set time
Buy, then buy operation stop immediately, Fail Transaction, at the same withdraw mechanism unit according to each product processing priority sequence,
The product for the purchase that succeeded is recalled in setting time, if some or several products are not completed to remove list within the set time, is returned
Remove mechanism unit and will remove the Transaction Information of single failure product and be stored in database, Job monitoring unit according to setting circulating cycle
Single failure product is removed in phase and cycle-index ergodic data library, and finger is withdrawn to mechanism unit transmission is withdrawn according to traversing result
It enables, is removed list again to single failure product is removed.
It preferably, further include that a key removes single business and key redemption business after the one-button-to-buy service ending,
One key removes the specific steps of single business are as follows: the key for receiving user removes single initiation of services instruction, according to the processing of each product
Priority orders successively recall the product for the purchase that succeeded;
The specific steps of one key redemption business are as follows: the key for receiving user redeems initiation of services instruction, according to the processing of each product
Priority orders successively redeem the product for having arrived the redemption phase.
Preferably, the trade date that a key removes single business should be identical as the trade date of one-button-to-buy business.
Preferably, user's history purchase information include risk assessment state, risk bear grade, it is personal for the first time
Minimum investment amount, the maximum purchase amount of money of personal single household accumulation, the personal single maximum purchase amount of money, personal additional minimum investment gold
Volume;The risk assessment state refers to whether user did risk assessment;
According to the processing priority sequence of setting in the step 4, successively verify whether user's history purchase information meets each production
The step of purchase condition of product are as follows:
Step 4.1: detecting the risk assessment state of user, if user did not do risk assessment, verification operation stops immediately, hands over
Easily failure;Otherwise, step 4.2 is executed:
Step 4.2: the risk class of the product for position of ranking the first in the risk receiving grade and priority orders of user is carried out
Matching, if mismatched, verification operation stops immediately, Fail Transaction;Otherwise, step 4.3 is executed:
Step 4.3: judging whether the product is whether finance product, user bought the product, if the product is finance product
And user did not buy, and thened follow the steps 4.4;If the product is finance product and user bought, 4.5 are thened follow the steps;
If the product is not finance product and user did not buy, 4.4 are thened follow the steps;If the product is not finance product and user
Bought, then repeatedly step 4.2,4.3 carry out priority orders in next ranking product verification;
Step 4.4: judging whether user is greater than personal investment amount minimum for the first time to the Pre purchase amount of money of the product and individual is single
The maximum purchase amount of money of family accumulation, if any one product is unsatisfactory for, Fail Transaction, otherwise, to the Pre purchase amount of money of the product
Greater than the integral multiple verification that the part of personal investment amount minimum for the first time carries out personal additional minimum investment amount.
Step 4.5: whether the summation for judging that the accumulative total amount for buying the product of user is added with the Pre purchase amount of money is greater than
The personal maximum purchase amount of money of single household accumulation, if more than Fail Transaction;Otherwise judge whether the Pre purchase amount of money is greater than personal minimum throwing
Capital amount, if being less than, otherwise Fail Transaction judges whether the Pre purchase amount of money is less than the personal single maximum purchase amount of money, if arbitrarily
One product is unsatisfactory for trading rules, Fail Transaction;Otherwise continue to judge whether the Pre purchase amount of money is personal additional minimum investment
The integral multiple of the amount of money, if not satisfied, Fail Transaction;Otherwise repeatedly step 4.2,4.3 carry out next ranking in priority orders
The verification of product.
Preferably, in the step 5 Job monitoring unit according to setting cycle period and cycle-index traversal queries
The specific steps for removing single failure product in database are as follows: single unsuccessfully produce in Job monitoring unit inquiry database with the presence or absence of removing
The Transaction Information of product inquires database according to the cycle period of setting if it does not exist;If it exists, to withdraw mechanism unit send
Instruction is withdrawn, list is removed again to single failure product is removed, if removing single success, modifies database transaction state;If removing single failure,
Repeat to remove single operation in the cycle-index of setting.
A kind of one-touch portfolio purchase system, including data transmission unit are used for from mobile terminal or the end PC
Equipment obtains initiation of services instruction and portfolio investment information, and user information, and the institute that will be received are obtained from banking data base
There are data to be transferred to product verification unit;
Rule settings unit is verified, for setting product verification rule, the product verification rule includes respectively producing in investment combination
Terms of trade and its processing priority sequence of product, same type of product processing priority having the same;
Trading rules setup unit, for setting the commodity transaction time;
Product verification unit judges user information or investment for obtaining product verification rule from verification rule settings unit
Whether combined information meets product verification rule, and check results are transferred to product trading unit;
Product trading unit, for the check results that basis receives, according to the processing priority sequence of each product, in setting
Transaction is completed in the commodity transaction time;
Mechanism unit is withdrawn, for recalling the product for the purchase that succeeded within the scope of setting Withdrawal times, and list will be removed and unsuccessfully produced
The Transaction Information of product is transferred in database;
Database, for storing the Transaction Information for removing single failure product;
Job monitoring unit is unsuccessfully produced for the list of removing in the cycle period and cycle-index traversal queries database according to setting
Product remove single failure product if it exists, then withdraw instruction to withdrawing mechanism unit transmission, make to withdraw mechanism unit in database
It removes single failure product and is removed list again.
Preferably, the initiation of services instruction is that one-button-to-buy initiation of services instructs, a key is removed single initiation of services and referred to
It enables or a key redeems initiation of services instruction.
Preferably, the portfolio investment information includes the purchase total amount of investment combination, the product in investment combination
Type and each type of product quantity;
The user information includes user account remaining sum, user's history purchase information;
The terms of trade of the product include purchase condition, remove single part and redeem condition;
The commodity transaction time includes that commodity purchasing time, commodity remove single time.
Preferably, when the key transaction system starting operation, Job monitoring unit also starts operation.
Positive beneficial effect of the invention:, will be originally by the control method of one-touch portfolio process of purchase
Can only single purchase-transaction workflow reengineering become can ensure that purchase with the purchase-transaction process of one-touch polymorphic type multi-quantity
Globality, consistency, the transactional of transaction flow.Meanwhile in control method, to verification rule configurableization in each stage
Design, can satisfy the individual demand and business rule of different bank finance mechanisms.Pass through the optimization to control method
Design, greatly improves the efficiency of verification and exchange hour, promotes the experience of client.
The present invention is positioned by the attribute to different type product, passes through the control flow in each stage, and verification rule
The then means and methods such as configurableization realize the one-touch process of purchase control of polymorphic type portfolio, for different silver
Row financial institution can carry out personalized customization rule.Therefore, there is more extensive market to use prospect.
Detailed description of the invention
In order to become apparent to illustrate the embodiment of the present invention or technical solution in the prior art, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.
Fig. 1 is the flow chart of one-button-to-buy business of the present invention.
Fig. 2 is the flow chart for verifying user's history purchase information and whether meeting product purchase condition.
Fig. 3 is after verifying successfully, successively to buy the flow chart of each product in investment combination.
Fig. 4 is the flow chart that a key removes single business.
Fig. 5 is the flow chart that a key redeems business.
Fig. 6 is system block diagram of the invention.
Specific embodiment
In order to make the objectives, technical solutions and advantages of the present invention clearer, below by shown in the accompanying drawings specific
Embodiment describes the present invention.However, it should be understood that these descriptions are merely illustrative, and it is not intended to limit model of the invention
It encloses.In addition, in the following description, descriptions of well-known structures and technologies are omitted, it is of the invention to avoid unnecessarily obscuring
Concept.
It is only to be not intended to be limiting the disclosure merely for for the purpose of describing particular embodiments in the term that the disclosure uses.
The "an" of the singular used in disclosure and the accompanying claims book, " described " and "the" are also intended to including majority
Form, unless the context clearly indicates other meaning.
In subsequent description, it is only using the suffix for indicating such as " module ", " component " or " unit " of element
Be conducive to explanation of the invention, itself there is no specific meanings.Therefore, " module " can mixedly make with " component "
With.
It is illustrated in combination with fig. 1-fig. 6 present embodiment, one-touch portfolio purchase system of the invention includes data
Transmission unit, trading rules setup unit, product verification unit, product trading unit, withdraws mechanism at verification rule settings unit
Unit, Database Unit and Job monitoring unit.
The data transmission unit, for obtaining initiation of services instruction and investment combination letter from mobile terminal or PC end equipment
Breath, obtains user information, and all data received are transferred to product verification unit from banking data base;Its signal is defeated
Enter end to be connected with banking data base, mobile terminal or PC end equipment respectively, signal output end and the signal of product verification unit are defeated
Enter end to be connected.
The initiation of services instruction is the instruction of one-button-to-buy initiation of services, a key removes single initiation of services instruction or a key is redeemed
Initiation of services instruction.The portfolio investment information include the purchase total amount of investment combination, the product type in investment combination with
And each type of product quantity.The user information includes user account remaining sum, user's history purchase information.
The verification rule settings unit, for setting product verification rule, signal output end and product verification unit
Signal input part connection.The product verification rule includes the terms of trade of each product and each product in investment combination
Processing priority sequence, same type of product processing priority having the same.The terms of trade of the product include purchase
Condition removes single part and redeems condition.
The trading rules setup unit, for setting commodity transaction time, signal output end and product trading unit
Signal input part connection.The commodity transaction time includes that commodity purchasing time, commodity remove single time.
The product verification unit judges that user believes for obtaining product verification rule from verification rule settings unit
Whether breath or portfolio investment information meet product verification rule, and check results are transferred to product trading unit.Product verification
The signal output end of unit is connected with the signal input part of product trading unit.
The product trading unit, for being set according to the check results received according to the processing priority sequence of each product
Complete transaction in fixed commodity transaction time, the commodity transaction time includes that commodity purchasing time, commodity remove single time.Product
The signal output end of transaction unit is connected with the signal input part for withdrawing mechanism unit.
It is described to withdraw mechanism unit, for recalling the product for the purchase that succeeded within the scope of setting Withdrawal times, and will remove
The Transaction Information of single failure product is transferred in database.Withdraw the signal output end of mechanism unit and the signal input part of data
It is connected.
The database, for storing the Transaction Information for removing single failure product, signal output end and Job monitoring unit
Signal input part is connected.
The Job monitoring unit, for removing in the cycle period and cycle-index traversal queries database according to setting
Single failure product removes single failure product if it exists, then withdraws instruction to withdrawing mechanism unit transmission, make to withdraw mechanism unit logarithm
List is removed again according to single failure product of removing in library.The signal output end of Job monitoring unit and the signal for withdrawing mechanism unit
Input terminal is connected.
When the initiation of services instruction that data transmission unit receives is the instruction of one-button-to-buy initiation of services, data transmission is single
The command signal, portfolio investment information and user information are transferred to product verification unit, the judgement investment of product verification unit by member
Divide product type and each type of product quantity in combination, and obtains the purchase of each product from verification rule settings unit
Condition, judges whether user information meets the purchase condition of each product, and generates combination product transaction journal number, and by the transaction
Serial number is transferred to product trading unit.Product trading unit is according to the data received, according to the processing priority of each product
Sequentially, each product is bought within the commodity purchasing time of setting, during being somebody's turn to do, the same type with same processing priority is produced
Product carry out multi-threaded parallel purchase.If a certain product currently bought does not complete purchase, product trading list within the set time
Member removes single instrction to mechanism unit transmission is withdrawn.Mechanism unit is withdrawn according to the processing priority sequence of each product, in setting
The product for the purchase that succeeded is recalled in commodity Withdrawal times, and the Transaction Information for removing single failure product is stored into database.
Job monitoring unit removes single failure product according in the cycle period and cycle-index traversal queries database of setting, if it exists
Single failure product is removed, then withdraws instruction to withdrawing mechanism unit transmission, makes to withdraw mechanism unit and removes single failure in database
Product is removed list again.
When the initiation of services instruction that data transmission unit receives is that a key removes the instruction of single initiation of services, data transmission is single
Member is by the command signal, portfolio investment information and removes single serial number and is transferred to product verification unit, and the judgement of product verification unit is thrown
Product type and each type of product quantity in money combination, and determine whether that product removes list, and by check results
It is transferred to product trading unit.Product trading unit is according to the data received, according to the processing priority sequence of each product, according to
Secondary to recall each product, during being somebody's turn to do, the similar-type products with same processing priority carry out multi-threaded parallel and recall.
When the initiation of services instruction that data transmission unit receives is that a key redeems initiation of services instruction, data transmission is single
The command signal, portfolio investment information and redemption serial number are transferred to product verification unit by member, and the judgement of product verification unit is thrown
Product type and each type of product quantity in money combination, and determine whether that product is redeemed, and by check results
It is transferred to product trading unit.Product trading unit is according to the data received, according to the processing priority sequence of each product, according to
Secondary to redeem each product, during being somebody's turn to do, the similar-type products with same processing priority carry out multi-threaded parallel redemption.
One-touch portfolio process of purchase control method of the invention, specifically includes the following steps:
Step 1: receiving user and the one-button-to-buy initiation of services of the investment combination of push is instructed.
Step 2: obtaining portfolio investment information and user information.
The portfolio investment information includes the purchase total amount of investment combination, the product type in investment combination and every kind
The product quantity of type, the user information include user account remaining sum, user's history purchase information.
The user's history purchase information includes risk assessment state, risk receiving grade, personal investment gold minimum for the first time
Volume, the maximum purchase amount of money of personal single household accumulation, the personal single maximum purchase amount of money, personal additional minimum investment amount;The wind
Dangerous evaluation status refers to whether user did risk assessment.
Step 3: judging whether user account remaining sum is greater than the purchase total amount of investment combination, if being less than, Fail Transaction;If
It is greater than, then judges the product type and each type of product quantity in investment combination, sets each product according to product type
Processing priority, same type of product processing priority having the same.
Step 4: according to the processing priority sequence of setting, successively verifying whether user's history purchase information meets each product
Purchase condition, the product with same treatment priority carries out multi-threaded parallel verification, if user's history purchase information is discontented
The purchase condition of the current verification product of foot, verification operation stop immediately, Fail Transaction;If meeting the purchase condition of all products,
Generate combination product transaction journal number.
Specifically, according to the processing priority sequence of setting, successively verify whether user's history purchase information meets each production
The step of purchase condition of product are as follows:
Step 4.1: detecting the risk assessment state of user, if user did not do risk assessment, verification operation stops immediately, hands over
Easily failure;Otherwise, step 4.2 is executed:
Step 4.2: the risk class of the product for position of ranking the first in the risk receiving grade and priority orders of user is carried out
Matching, if mismatched, verification operation stops immediately, Fail Transaction;Otherwise, step 4.3 is executed:
Step 4.3: judging whether the product is whether finance product, user bought the product, if the product is finance product
And user did not buy, and thened follow the steps 4.4;If the product is finance product and user bought, 4.5 are thened follow the steps;
If the product is not finance product and user did not buy, 4.4 are thened follow the steps;If the product is not finance product and user
Bought, then repeatedly step 4.2,4.3 carry out priority orders in next ranking product verification;
Step 4.4: judging whether user is greater than personal investment amount minimum for the first time to the Pre purchase amount of money of the product and individual is single
The maximum purchase amount of money of family accumulation, if any one product is unsatisfactory for, Fail Transaction, otherwise, to the Pre purchase amount of money of the product
Greater than the integral multiple verification that the part of personal investment amount minimum for the first time carries out personal additional minimum investment amount.
Step 4.5: whether the summation for judging that the accumulative total amount for buying the product of user is added with the Pre purchase amount of money is greater than
The personal maximum purchase amount of money of single household accumulation, if more than Fail Transaction;Otherwise judge whether the Pre purchase amount of money is greater than personal minimum throwing
Capital amount, if being less than, otherwise Fail Transaction judges whether the Pre purchase amount of money is less than the personal single maximum purchase amount of money, if arbitrarily
One product is unsatisfactory for trading rules, Fail Transaction;Otherwise continue to judge whether the Pre purchase amount of money is personal additional minimum investment
The integral multiple of the amount of money, if not satisfied, Fail Transaction;Otherwise repeatedly step 4.2,4.3 carry out next ranking in priority orders
The verification of product.
Step 5: being set according to the combination product transaction journal number of generation according to the processing priority sequence of each product
Each product is successively bought in time, the product with same treatment priority carries out multi-threaded parallel purchase, if all products are equal
Purchase is completed within the set time, then one-button-to-buy service ending;If a certain product currently bought is not complete within the set time
At purchase, then buys operation and stop immediately, Fail Transaction, while it is suitable according to the processing priority of each product to withdraw mechanism unit
Sequence recalls the product for the purchase that succeeded within the set time, if some or several products are not completed to remove list within the set time,
It then withdraws mechanism unit the Transaction Information for removing single failure product is stored in database.Job monitoring unit is inquired in database
With the presence or absence of the Transaction Information for removing single failure product, if it does not exist, database is inquired according to the cycle period of setting;If it exists,
Instruction is withdrawn to mechanism unit transmission is withdrawn, is removed list again to single failure product is removed, if removing single success, modification database is handed over
Easy state;If removing single failure, repeat to remove single operation in the cycle-index of setting.
It further include that a key removes single business and key redemption business after the one-button-to-buy service ending, a key removes single business
Trade date should be identical as the trade date of one-button-to-buy business.
One key removes the specific steps of single business are as follows: the key for receiving user removes single initiation of services instruction, according to each product
Processing priority sequence successively recalls the product for the purchase that succeeded;
The specific steps of one key redemption business are as follows: the key for receiving user redeems initiation of services instruction, according to the processing of each product
Priority orders successively redeem the product for having arrived the redemption phase.
Assuming that data transmission unit from mobile terminal or PC end equipment received investment combination by two kinds of finance products, two
Kind fund product is constituted, respectively finance product 1, finance product 2, fund product 1 and fund product 2.In the following, with the investment group
It is combined into example, illustrates one-touch portfolio process of purchase control method of the invention.
Step 1: user being received by data transmission unit, the one-button-to-buy initiation of services of the investment combination of push is instructed.
Step 2: obtaining portfolio investment information and user information.
Step 3: judging whether user account remaining sum is greater than the purchase total amount of the investment combination, if being less than, Fail Transaction;
If more than then judging the product type and each type of product quantity in investment combination, the processing for setting each product is preferential
Grade is sequentially finance product > fund product, and the processing sequence of processing sequence=finance product 2 of finance product 1, fund product 1
Processing sequence=fund product 2 processing sequence.
Step 4: whether the processing priority sequence of each product, first verification user's history purchase information meet finance product
Purchase condition, if satisfied, then then whether verification user's history purchase information meets the purchase condition of fund product, if full
Foot, then then verification user's history purchase information whether the purchase condition of savings account.
Wherein, whether verification user's history purchase information meets the purchase condition of finance product specific step is as follows:
The risk assessment state of user is detected, if user did not do risk assessment, verification operation stops immediately, Fail Transaction;
Otherwise, the risk of user is born grade to match with the risk class of finance product 1, if mismatched, verification operation is vertical
Stop, Fail Transaction;Otherwise, judge whether user bought the product, if do not bought, judge user to the pre- of the product
Whether the purchase amount of money is greater than personal investment amount minimum for the first time and the personal maximum purchase amount of money of single household accumulation, if there is one to be discontented with
Otherwise foot, then Fail Transaction carry out the part that the Pre purchase amount of money of the product is greater than personal investment amount minimum for the first time personal
The integral multiple verification of additional minimum investment amount;If user bought the product, judges that user is accumulative and buy the total of the product
Whether the summation that the amount of money is added with the Pre purchase amount of money is greater than the personal maximum purchase amount of money of single household accumulation, if more than Fail Transaction;It is no
Then judge whether the Pre purchase amount of money is greater than personal minimum investment amount, if being less than, otherwise Fail Transaction judges that the Pre purchase amount of money is
The no personal single maximum purchase amount of money and the personal single maximum of being less than buys the amount of money, if there is one to be unsatisfactory for, Fail Transaction;Otherwise
Continue to judge whether the Pre purchase amount of money is the personal integral multiple for adding minimum investment amount, if it is, user's history purchase letter
Breath meets the purchase condition of finance product 1, then carries out the verification of fund product.
User's history purchase information and the purchase condition of finance product 1 verify match while, also by user
The purchase condition of historical purchase information and finance product 2 is carried out while being verified by way of thread parallel.User's history is purchased
It buys information and the purchase condition of finance product 2 specific steps verified is identical as finance product 1, it is no longer specific superfluous herein
It states.
After user's history purchase information meets the purchase condition of finance product 1 and finance product 2, then verifies user and go through
Whether history purchase information meets the purchase condition of fund product.
Whether verification user's history purchase information meets the purchase condition of fund product, and specific step is as follows:
The risk of user is born grade to match with the risk class of fund product 1, if mismatched, verification operation is immediately
Stop, Fail Transaction;Otherwise, judge whether user bought the product, if do not bought, judge forward purchasing of the user to the product
Buy whether the amount of money is greater than personal investment amount minimum for the first time and the personal maximum purchase amount of money of single household accumulation, if there is one to be unsatisfactory for,
Otherwise then Fail Transaction carries out individual to the part that the Pre purchase amount of money of the product is greater than personal investment amount minimum for the first time and chases after
The integral multiple of minimum investment amount is added to verify, if the Pre purchase amount of money of the product is greater than the portion of personal investment amount minimum for the first time
Dividing is the personal integral multiple for adding minimum investment amount, then user's history purchase information meets the purchase condition of fund product 1, no
Then, verification failure.If user bought the product, verification passes through.
User's history purchase information and the purchase condition of fund product 1 verify match while, also by user
The purchase condition of historical purchase information and fund product 2 is carried out while being verified by way of thread parallel.User's history is purchased
It buys information and the purchase condition of fund product 2 specific steps verified is identical as fund product 1, it is no longer specific superfluous herein
It states.
After user's history purchase information meets the purchase condition of fund product 1 and fund product 2, product verification unit is raw
At combination product trading serial number, and the combination product transaction journal number is sent to product trading unit.
Step 5: product trading unit is according to the combination product transaction journal number of generation, according to the processing priority of each product
Sequentially, each product is successively bought within the set time, i.e., buys finance product first, finance product 1 and finance product 2 pass through line
Journey parallel form is bought simultaneously.If finance product 1 or/and finance product 2 do not complete purchase within the set time, purchase
It buys operation to stop immediately, Fail Transaction, while product trading unit withdraws instruction to mechanism unit transmission is withdrawn, and makes to withdraw mechanism
Unit recalls the finance product for the purchase that succeeded.If finance product is completed to buy within the set time, start to buy fund production
Product, fund product 1 and fund product 2 are bought simultaneously by way of thread parallel.If fund product 1 or/and fund produce
Product 2 do not complete purchase within the set time, then buy operation and stop immediately, Fail Transaction, while product trading unit is to withdrawing
Mechanism unit transmission withdraws instruction, makes to withdraw finance product and fund product that mechanism unit recalls the purchase that succeeded.
When withdrawing mechanism unit and recalling the product for the purchase that succeeded, if some or several products are not within the set time
List is removed in completion, then withdraws mechanism unit and the Transaction Information for removing single failure product is stored in database, is i.e. hypothesis fund product 1
Do not complete purchase within the set time, finance product 1, finance product 2 and fund product 2 have successfully been bought, then retracting mechanism
Unit successively recalls finance product 1, finance product 2 and fund product 2, it is assumed that finance product 2 and fund produce during recalling
Product 2 remove single failure, then withdrawing mechanism unit can be stored in the Transaction Information of the two products in database.
Job monitoring unit inquires database according to the cycle period of setting;The Transaction Information of single failure product is removed if it exists,
Instruction then is withdrawn to withdrawing mechanism unit transmission, is removed list again to single unsuccessfully product is removed, if removing single success, modifies data
Library stateful transaction;If removing single failure, inquiry database is repeated in the cycle-index of setting, carries out removing single operation.If setting
Cycle-index in be still unable to complete and remove single operation, then contact administrator and handle the abnormal conditions.
It further include that a key removes single business after one-button-to-buy service ending.
One key removes the control process of single business are as follows:
Firstly, removing single initiation of services instruction, portfolio investment information by the key that data transmission unit receives user and removing single stream
Water number.
Then, product verification unit judges product type and each type of product quantity in investment combination, according to
The processing priority sequence of each product, firstly, whether verification finance product allows to remove list, during being somebody's turn to do, finance product 1 and financing
Product 2 is verified simultaneously by way of thread parallel, if there is a product not over verification, is removed single operation and is stopped immediately
Only, single failure is removed;If two products allow to remove list, product trading unit recalls financing simultaneously by way of thread parallel
Product 1 and finance product 2.
After finance product 1 and finance product 2 all remove single success, then verify whether fund product allows to remove list, similarly,
During being somebody's turn to do, fund product 1 and fund product 2 are verified simultaneously by way of thread parallel, if there is a product not have
By verification, then removes single operation and stop immediately, remove single failure;If two products allow to remove list, product trading unit passes through
The mode of thread parallel recalls fund product 1 and fund product 2 simultaneously.
After the product in one-button-to-buy business expires, a key can be carried out and redeem business.
The control process of one key redemption business are as follows:
It is flowed firstly, redeeming initiation of services instruction, portfolio investment information by the key that data transmission unit receives user and redeeming
Water number.
Then, product verification unit judges product type and each type of product quantity in investment combination, according to
The processing priority sequence of each product, firstly, whether verification finance product allows to redeem, (whether main verification meets redemption volume
Degree), during being somebody's turn to do, finance product 1 and finance product 2 are verified simultaneously by way of thread parallel, if there is a product
Not over verification, then redeems operation and stop immediately, redeem failure;If two products allow to redeem, product trading unit
Recall finance product 1 and finance product 2 simultaneously by way of thread parallel.
After finance product 1 and finance product 2 all remove single success, then verify whether fund product allows to redeem (mainly
Whether verification, which meets, is redeemed share), similarly, should during, fund product 1 and fund product 2 by way of thread parallel into
It goes while verifying, if there is a product not over verification, redeem operation and stop immediately, redeem failure;If two products are equal
Allow to redeem, then product trading unit recalls fund product 1 and fund product 2 simultaneously by way of thread parallel.
Finally it should be noted that: the above embodiments are merely illustrative of the technical scheme of the present invention and are not intended to be limiting thereof;To the greatest extent
The present invention is described in detail with reference to preferred embodiments for pipe, those of ordinary skills in the art should understand that;Still
It can modify to a specific embodiment of the invention or some technical features can be equivalently replaced;Without departing from this hair
The spirit of bright technical solution should all cover within the scope of the technical scheme claimed by the invention.
Claims (9)
1. a kind of one-touch portfolio process of purchase control method, which is characterized in that specifically includes the following steps:
Step 1: receiving user and the one-button-to-buy initiation of services of the investment combination of push is instructed;
Step 2: obtaining portfolio investment information and user information;The portfolio investment information includes that the purchase of investment combination is always golden
Product type and each type of product quantity in volume, investment combination, the user information include user account remaining sum, use
Family historical purchase information;
Step 3: judging whether user account remaining sum is greater than the purchase total amount of investment combination, if being less than, Fail Transaction;If big
In then judging the product type and each type of product quantity in investment combination, set each product according to product type
Processing priority, same type of product processing priority having the same;
Step 4: according to the processing priority sequence of setting, successively verifying the purchase whether user's history purchase information meets each product
Condition is bought, the product with same treatment priority carries out multi-threaded parallel verification, if user's history purchase information is unsatisfactory for working as
The purchase condition of preceding verification product, verification operation stop immediately, Fail Transaction;If meeting the purchase condition of all products, generate
Combination product transaction journal number;
Step 5: according to the combination product transaction journal number of generation, according to the processing priority sequence of each product, in setting time
Each product is inside successively bought, the product with same treatment priority carries out multi-threaded parallel purchase, if all products are being set
Interior purchase of fixing time is completed, then one-button-to-buy service ending;If a certain product currently bought does not complete purchase within the set time
Buy, then buy operation stop immediately, Fail Transaction, at the same withdraw mechanism unit according to each product processing priority sequence,
The product for the purchase that succeeded is recalled in setting time, if some or several products are not completed to remove list within the set time, is returned
Remove mechanism unit and will remove the Transaction Information of single failure product and be stored in database, Job monitoring unit according to setting circulating cycle
Single failure product is removed in phase and cycle-index ergodic data library, and finger is withdrawn to mechanism unit transmission is withdrawn according to traversing result
It enables, is removed list again to single failure product is removed.
2. one-touch portfolio process of purchase control method according to claim 1, which is characterized in that described one
It further include that a key removes single business and key redemption business after key purchase service ending,
One key removes the specific steps of single business are as follows: the key for receiving user removes single initiation of services instruction, according to the processing of each product
Priority orders successively recall the product for the purchase that succeeded;
The specific steps of one key redemption business are as follows: the key for receiving user redeems initiation of services instruction, according to the processing of each product
Priority orders successively redeem the product for having arrived the redemption phase.
3. one-touch portfolio process of purchase control method according to claim 2, which is characterized in that described one
The trade date that key removes single business should be identical as the trade date of one-button-to-buy business.
4. one-touch portfolio process of purchase control method according to claim 1, which is characterized in that
User's history purchase information includes that risk assessment state, risk bear grade, personal investment amount minimum for the first time, a
The maximum purchase amount of money of people's single household accumulation, the personal single maximum purchase amount of money, personal additional minimum investment amount;The risk assessment
State refers to whether user did risk assessment;
According to the processing priority sequence of setting in the step 4, successively verify whether user's history purchase information meets each production
The step of purchase condition of product are as follows:
Step 4.1: detecting the risk assessment state of user, if user did not do risk assessment, verification operation stops immediately, hands over
Easily failure;Otherwise, step 4.2 is executed:
Step 4.2: the risk class of the product for position of ranking the first in the risk receiving grade and priority orders of user is carried out
Matching, if mismatched, verification operation stops immediately, Fail Transaction;Otherwise, step 4.3 is executed:
Step 4.3: judging whether the product is whether finance product, user bought the product, if the product is finance product
And user did not buy, and thened follow the steps 4.4;If the product is finance product and user bought, 4.5 are thened follow the steps;
If the product is not finance product and user did not buy, 4.4 are thened follow the steps;If the product is not finance product and user
Bought, then repeatedly step 4.2,4.3 carry out priority orders in next ranking product verification;
Step 4.4: judging whether user is greater than personal investment amount minimum for the first time to the Pre purchase amount of money of the product and individual is single
The maximum purchase amount of money of family accumulation, if any one is unsatisfactory for, otherwise Fail Transaction is greater than the Pre purchase amount of money of the product
The part of personal investment amount minimum for the first time carries out the integral multiple verification of personal additional minimum investment amount;
Step 4.5: whether the summation for judging that the accumulative total amount for buying the product of user is added with the Pre purchase amount of money is greater than individual
The maximum purchase amount of money of single household accumulation, if more than Fail Transaction;Otherwise judge whether the Pre purchase amount of money is greater than personal minimum investment gold
Volume, if being less than, otherwise Fail Transaction judges whether the Pre purchase amount of money is less than the personal single maximum purchase amount of money and personal single most
The big purchase amount of money, if there is one to be unsatisfactory for, Fail Transaction;Otherwise continue to judge whether the Pre purchase amount of money is personal additional minimum throwing
The integral multiple of capital amount, if not satisfied, Fail Transaction;Otherwise repeatedly step 4.2,4.3 carry out next ranking in priority orders
Product verification.
5. one-touch portfolio process of purchase control method according to claim 1, which is characterized in that the step
Job monitoring unit removes the product that singly fails according in the cycle period and cycle-index traversal queries database of setting in rapid 5
Specific steps are as follows:
With the presence or absence of the Transaction Information for removing single failure product in Job monitoring unit inquiry database, if it does not exist, according to setting
Cycle period inquires database;If it exists, instruction is withdrawn to withdrawing mechanism unit transmission, removed again to single unsuccessfully product is removed
It is single, if removing single success, modify database transaction state;If removing single failure, repeat to remove single behaviour in the cycle-index of setting
Make.
6. a kind of one-touch portfolio purchase system, which is characterized in that including
Data transmission unit, for obtaining initiation of services instruction and portfolio investment information from mobile terminal or PC end equipment, from silver
User information is obtained in row database, and all data received are transferred to product verification unit;
Rule settings unit is verified, for setting product verification rule, the product verification rule includes respectively producing in investment combination
Terms of trade and its processing priority sequence of product, same type of product processing priority having the same;
Trading rules setup unit, for setting the commodity transaction time;
Product verification unit judges user information or investment for obtaining product verification rule from verification rule settings unit
Whether combined information meets product verification rule, and check results are transferred to product trading unit;
Product trading unit, for the check results that basis receives, according to the processing priority sequence of each product, in setting
Transaction is completed in the commodity transaction time;
Mechanism unit is withdrawn, for recalling the product for the purchase that succeeded within the scope of setting Withdrawal times, and list will be removed and unsuccessfully produced
The Transaction Information of product is transferred in database;
Database, for storing the Transaction Information for removing single failure product;
Job monitoring unit is unsuccessfully produced for the list of removing in the cycle period and cycle-index traversal queries database according to setting
Product remove single failure product if it exists, then withdraw instruction to withdrawing mechanism unit transmission, make to withdraw mechanism unit in database
It removes single failure product and is removed list again.
7. one-touch portfolio purchase system according to claim 6, which is characterized in that the initiation of services refers to
Enabling is the instruction of one-button-to-buy initiation of services, a key removes single initiation of services instruction or a key redeems initiation of services instruction.
8. one-touch portfolio purchase system according to claim 6, which is characterized in that the investment combination
Information includes the purchase total amount, the product type in investment combination and each type of product quantity of investment combination;
The user information includes user account remaining sum, user's history purchase information;
The terms of trade of the product include purchase condition, remove single part and redeem condition;
The commodity transaction time includes that commodity purchasing time, commodity remove single time.
9. one-touch portfolio purchase system according to claim 6, which is characterized in that key transaction system
When system starting operation, Job monitoring unit also starts operation.
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