CN109255706B - One-key financial product combined purchase flow control method and system - Google Patents
One-key financial product combined purchase flow control method and system Download PDFInfo
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- CN109255706B CN109255706B CN201810992122.1A CN201810992122A CN109255706B CN 109255706 B CN109255706 B CN 109255706B CN 201810992122 A CN201810992122 A CN 201810992122A CN 109255706 B CN109255706 B CN 109255706B
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Abstract
The invention discloses a one-key financial product combined purchasing process 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withdrawal/redemption service initiation instruction of a user; the products that have been successfully purchased are withdrawn/redeemed in turn, in order of processing priority for each product. The invention provides a one-key multi-type and multi-quantity purchase transaction flow method, which ensures the integrity, consistency and affairs of the purchase transaction flow, 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 purchasing process 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 purchasing process 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 combined purchase flow control method specifically comprises 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 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;
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 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 purchase conditions of all the products are met, generating a combined product transaction serial number;
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 currently purchased product does not complete the purchase within the set time, the purchase 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 sequence of each product, if one or more products do not complete the withdrawing within the set time, the withdrawing mechanism unit stores the transaction information of the product with failed withdrawing in the database, and the Job monitoring unit traverses the product with failed withdrawing 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 failed withdrawing again.
Preferably, the one-touch purchase service is ended and then comprises a one-touch withdrawing service and a one-touch redeeming 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-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.
Preferably, the transaction date of the one-key withdrawal 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, 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 and whether the user purchases the product, and if the product is the 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 the product, then step 4.4 is executed; 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.
Preferably, the specific steps of the Job monitoring unit in step 5 traversing and querying the order removal failure product in the database according to the set cycle period and cycle number are 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, sending a withdrawing instruction to a withdrawing mechanism unit, performing withdrawing on the product with the sheet withdrawing failure again, and if the sheet withdrawing is successful, modifying the transaction state of the database; if the order removing fails, the order removing operation is repeatedly carried out within the set cycle number.
A one-key financial product combination purchasing system comprises a data transmission unit, a product verification unit and a product verification unit, wherein the data transmission unit is used for acquiring a service starting instruction and investment combination information from a mobile terminal or PC (personal computer) end equipment, acquiring user information from a bank database and transmitting all received data to the product verification 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 checking unit is used for acquiring the product checking rule from the checking rule setting unit, judging whether the user information or the investment portfolio information meets the product checking rule or not, and transmitting the checking result to the product trading 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 a set withdrawing time range and transmitting the transaction information of the products with failed withdrawing orders to the database;
the database is used for storing the transaction information of the product with the sheet withdrawing failure;
and 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, sending a removing instruction to the removing mechanism unit so that the removing mechanism unit can remove the list again for the list removing failure products in the database.
Preferably, the service initiation instruction is a one-key purchase service initiation instruction, a one-key withdrawal service initiation instruction or a one-key redemption 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 a purchase condition, a receipt withdrawing condition and a 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 purchasing process, the purchasing transaction process which can only be used once originally is transformed into the purchasing transaction process which can be of one-key type, multiple types and multiple quantities, and the integrity, consistency and transaction performance of the purchasing transaction process are ensured. 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 one-button purchase process control of multi-type financial product combination by means of positioning attributes of different types of products, controlling processes of each stage, configuring verification 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 the one-touch purchase service of 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 sequential purchase of each product in the portfolio after a 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 purchasing 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 unit, and a Job monitoring unit.
The data transmission unit is used for acquiring a service starting instruction and investment portfolio information from a mobile terminal or PC terminal equipment, acquiring user information from a bank database and transmitting all received data to the product verification unit; the signal input end of the product checking unit is connected with the bank database, the mobile terminal or the PC terminal device, and the signal output end of the product checking unit is connected with the signal input end of the product checking unit.
The service starting instruction is a one-key purchase service starting instruction, a one-key single-withdrawal service starting instruction or a one-key redemption 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.
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 the product checking rule from the checking rule setting unit, judging whether the user information or the investment portfolio information meets the product checking rule or not, and transmitting the 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.
And 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, 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 products in the database. And the signal output end of the Job monitoring unit is connected with the signal input end of 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 types of products in the investment portfolio and the quantity of the products of each type, 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 products are redeemed or not, and transmits the verification result to the product transaction 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.
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 refers to 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 or not, and if so, failing the transaction; 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 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; 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 the product, then step 4.4 is executed; 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 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 if any 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 transaction serial number of the combined product, sequentially purchasing all the products within set time according to the processing priority sequence of all the products, 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.
The one-touch purchase service also comprises a one-touch withdraw service and a one-touch redemption service after the one-touch purchase service is finished, and the transaction date of the one-touch withdraw service is the same as that of the one-touch purchase service.
The specific steps of the one-key order-removing service are as follows: receiving a one-key order-removing service starting instruction of a user, and sequentially withdrawing the successfully purchased products according to the processing priority order of each product;
the one-click redemption service comprises the following specific steps: 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.
Suppose that the investment portfolio received by the data transmission unit from the mobile terminal or the PC terminal device is composed of two financial products and two fund products, namely a financial product 1, a financial product 2, a fund product 1 and a fund product 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.
And 2, step: 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 fails; 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 buys the product or not, if not, 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 not, the transaction fails, otherwise, carrying out integral multiple check 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 conditions 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 of the user is not matched with the risk grade of the fund product 1, immediately stopping the verification operation, 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 bought the product, the check passed.
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 inquires a database according to a set cycle; if the transaction information of the product with the form removing failure exists, a form removing instruction is sent to a form removing mechanism unit, the form removing is carried out on the product with the form removing failure again, and if the form 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 to perform the 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.
The one-key purchase service also comprises a one-key release service after the one-key purchase service is ended.
The control process of the one-key order-withdrawing 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, checks whether the financing product allows for order removal according to the processing priority sequence of each product, in the process, the financing product 1 and the financing product 2 are checked simultaneously in a thread parallel mode, if one product does not pass the check, the order removal operation is stopped immediately, and the order removal fails; and if the two products allow the order withdrawal, the product transaction unit withdraws the financial product 1 and the financial 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 (mainly checking whether the fund product meets the redemption share), and in the process, checking the fund product 1 and the fund product 2 simultaneously in a thread parallel mode, if one product does not pass the check, the redemption operation is stopped immediately, and the redemption fails; 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 preferred embodiments, those skilled in the art will appreciate 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 (8)
1. A one-key financial product combination purchase process 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 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;
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 purchase conditions of all the products are met, generating a combined product transaction serial number;
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 currently purchased product does not complete the purchase within the set time, the purchase 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 sequence of each product, if one or more products do not complete the withdrawing within the set time, the withdrawing mechanism unit stores the transaction information of the product with the failed withdrawing list in the database, and the Job monitoring unit traverses the product with the failed withdrawing list in the database according to the set cycle period and cycle times, sends a withdrawing instruction to the withdrawing mechanism unit according to the traversing result, and withdraws the product with the failed withdrawing list again;
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 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, executing step 4.3;
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 product is purchased by the user, 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.
2. The one-touch financial product portfolio purchase procedure control method of claim 1, wherein the one-touch purchase service is terminated and further comprises a one-touch drop-out service and a one-touch redemption 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.
3. The method as claimed in claim 2, wherein the transaction date of the one-touch order-withdrawing service is the same as the transaction date of the one-touch purchase service.
4. The one-click financial product combination purchase process control method according to claim 1, wherein the specific steps of the Job monitoring unit in step 5 traversing and querying the order removal failure product in the database according to the set cycle period and cycle number are 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.
5. A one-touch financial product combination purchasing system, comprising
The data transmission unit is used for acquiring a service starting instruction and investment portfolio information from a mobile terminal or PC terminal equipment, acquiring user information from a bank database and transmitting all received data to the product verification unit; 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;
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 checking unit is used for acquiring the product checking rule from the checking rule setting unit, judging whether the user information or the investment portfolio information meets the product checking rule or not, and transmitting the checking result to the product trading unit;
the step of judging whether the user information or the investment portfolio information meets the product verification rule is as follows:
step A1: 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 the step A2;
step A2: matching the risk bearing grade of the user with the risk grade of the product ranked first in the priority sequence, if not, immediately stopping the verification operation, and failing the transaction; otherwise, executing the step A3;
step A3: judging whether the product is a financial product or not and whether the user purchases the product or not, and if the product is the financial product and the user does not purchase the product, executing the step A4; if the product is a financial product and the user purchases the product, executing the step A5; if the product is not a financial product and the user has not purchased the product, executing step A4; if the product is not a financial product and is purchased by a user, repeating the steps A2 and A3 to check the product of the next rank in the priority sequence;
step A4: 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 A5: 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 step A2 and the step A3 to check the product of the next rank in the priority sequence;
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 failure of removing the order;
and 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, sending a removing instruction to the removing mechanism unit so that the removing mechanism unit can remove the list again for the list removing failure products in the database.
6. The one-touch financial product portfolio purchase system of claim 5, wherein the service initiation command is a one-touch purchase service initiation command, a one-touch withdraw service initiation command or a one-touch redemption service initiation command.
7. The one-touch financial portfolio purchase system of claim 5, wherein the portfolio information comprises a total amount of purchases of the portfolio, types of products in the portfolio, and 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 a purchase condition, a receipt withdrawing condition and a redemption condition;
the commodity transaction time comprises commodity purchase time and commodity order withdrawing time.
8. The one-button financial product portfolio purchase system of claim 5, wherein the one-button transaction system is enabled to run, and wherein the Job monitoring unit is also enabled to run.
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| CN110428336A (en) * | 2019-08-15 | 2019-11-08 | 中国银行股份有限公司 | The order data processing method and system of fund combination product |
| CN111242762A (en) * | 2019-12-31 | 2020-06-05 | 广东华兴银行股份有限公司 | Financial product purchasing method, device and system |
| 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 |
| CN111932381A (en) * | 2020-09-28 | 2020-11-13 | 北京口袋财富信息科技有限公司 | Investment portfolio adjusting method and device, readable storage medium and computing equipment |
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