Summary of the invention
The scheme for more assets fund balancing guarantees based on individual consumer's dimension that this paper presents a kind of, can pass through foundation
The inside assets of individual consumer's dimension and the Asset Liability Model of external assets carry out the flat of the more assets of individual consumer near real-time
Weighing apparatus tentative calculation provides the fund security guarantee for being accurate to individual consumer's dimension in real time for the individual consumer in a financial system.
According to the disclosure in a first aspect, provide a kind of more assets balanced security methods based on individual consumer's dimension,
It include: the asset transition message for receiving the business event derived from the individual consumer, the asset transition message includes at least mark
Know one or more fields of assets involved in the business event, one or more of fields include at least the following terms
One or more of: payment party identifier, payment account number, gathering party identifier, shroff account number, transaction amount;Described in parsing
The asset transition message of individual consumer, the parsing includes generating correspondence according to the field for including in the asset transition message
The more asset transition details of standard record separately;And it is recorded separately based on the more asset transition details of the standard of the individual consumer to verify money
It produces and changes.
According to an embodiment, the assets of the individual consumer include internal assets and external assets, wherein the internal money
Production is assets of the individual consumer inside the first financial system, and the external assets are the individual consumers from described
One financial system flows out to the assets outside first financial system or from external inflow first financial system.
According to another embodiment, the more asset transition detail entries of the standard include at least: the assets of same individual consumer
Transfer of being in debt is recorded separately, the asset-liabilities transfer in same financial system between Different Individual user is recorded separately, same individual consumer across
The transfer of internal assets and external assets is recorded separately, Different Individual user shifts across the asset-liabilities of different financial systems and records separately.
According to yet another embodiment, it tests the asset transition message to exclude repetition message before the parsing
And/or error message.
According to yet another embodiment, the parsing further include based on include in the asset transition message payment party identifier and
Whether party identifier of collecting money is same user come the beneficiary and paying party for determining the asset transition message.
According to yet another embodiment, the parsing further includes beneficiary and paying party if it is determined that the asset transition message
It is not same user, then generates corresponding asset transition detail respectively for beneficiary and paying party and record separately.
According to yet another embodiment, the parsing further includes beneficiary and paying party if it is determined that the asset transition message
It is same user, then further determines that whether the asset transition message is related to the inside assets and external money of the same user
Variation between production.
According to yet another embodiment, the parsing further includes if it is determined that the asset transition message is related to the same user
Inside assets and external assets between variation, then generate for the individual consumer include internal assets and external assets
Entry.
According to yet another embodiment, the parsing further includes if it is determined that the asset transition message is not related to the same use
Variation between the inside assets and external assets at family then generates only point comprising internal assets for the individual consumer
Record.
According to yet another embodiment, the verification includes determining at least one of the following terms: the inflow money of the first assets
Whether golden summation is equal to the fund summation that other assets produces first assets;Whether the gross assets of the individual consumer
Equal to the debt of the individual consumer plus the equity of the individual consumer;And/or the inside asset transition of the individual consumer is total
The external assets for whether being equal to the individual consumer change summation.
According to yet another embodiment, if the inflow fund summation of the first assets is equal to other assets and produces first money
The fund summation of production, the assets of the individual consumer are equal to the debt of the individual consumer plus the equity of the individual consumer, and
And the inside asset transition summation of the individual consumer be equal to the individual consumer external assets change summation, then verification at
Function, and recorded separately based on the more asset transition details of the standard to generate user's asset inventory of the individual consumer, wherein described
User's asset inventory includes the following information of the individual consumer: the pass between internal assets, external assets and each assets
Connection.
According to yet another embodiment, if the inflow fund summation of the first assets produces described first not equal to other assets
The fund summation of assets and/or the assets of the individual consumer add the individual consumer not equal to the debt of the individual consumer
Equity and/or the individual consumer inside asset transition summation changed not equal to the external assets of the individual consumer it is total
With then verify unsuccessful, and alert and/or current limliting or fusing carried out to the fund of the individual consumer.
According to yet another embodiment, the warning message includes audio-frequency information, text information, at least one in vibration information
Person.
According to the second aspect of the disclosure, a kind of more assets balanced security systems based on individual consumer's dimension are provided,
Include: receiving unit, is configured to receive the asset transition message of the business event derived from the individual consumer, the assets
It changes message and includes at least the one or more fields for identifying assets involved in the business event, one or more of words
Section includes at least one or more of the following terms: payment party identifier, payment account number, gathering party identifier, shroff account number,
Transaction amount;Resolution component is configured to parse the asset transition message of the individual consumer, and the parsing includes according to institute
The field for including in asset transition message is stated to record separately to generate the corresponding more asset transition details of standard;And verification component,
It is configured to record separately based on the more asset transition details of the standard of the individual consumer to verify asset transition.
According to an embodiment, the assets of the individual consumer include internal assets and external assets, wherein the internal money
Production is assets of the individual consumer inside the first financial system, and the external assets are the individual consumers from described
One financial system flows out to the assets outside first financial system or from external inflow first financial system.
According to another embodiment, the more asset transition detail entries of the standard include at least: the assets of same individual consumer
Transfer of being in debt is recorded separately, the asset-liabilities transfer in same financial system between Different Individual user is recorded separately, same individual consumer across
The transfer of internal assets and external assets is recorded separately, Different Individual user shifts across the asset-liabilities of different financial systems and records separately.
According to yet another embodiment, the resolution component is further configured to before the parsing to the asset transition message
It tests to exclude repetition message or error message.
According to yet another embodiment, the resolution component is further configured to be based on to include paying party in the asset transition message
Whether identifier and gathering party identifier are same users come the beneficiary and paying party for determining the asset transition message.
According to yet another embodiment, the resolution component is further configured to the beneficiary if it is determined that the asset transition message
It is not same user with paying party, then generates corresponding asset transition detail respectively for beneficiary and paying party and record separately.
According to yet another embodiment, the resolution component is further configured to the beneficiary if it is determined that the asset transition message
It is same user with paying party, then further determines that whether the asset transition message is related to the inside assets of the same user
Variation between external assets.
According to yet another embodiment, the resolution component be further configured to if it is determined that the asset transition message be related to it is described
Variation between the inside assets and external assets of same user, then generate for the individual consumer include internal assets and
The entry of external assets.
According to yet another embodiment, the resolution component is further configured to if it is determined that the asset transition message is not related to institute
The variation between the inside assets of same user and external assets is stated, then is generated for the individual consumer only comprising internal money
The entry of production.
According to yet another embodiment, the verification component is further configured at least one of verification the following terms: the first money
Whether the inflow fund summation of production is equal to the fund summation that other assets produces first assets;The individual consumer's is total
Whether body assets are equal to the debt of the individual consumer plus the equity of the individual consumer;The inside of the individual consumer and/or
The external assets whether asset transition summation is equal to the individual consumer change summation.
According to yet another embodiment, the system also includes report components, wherein if the inflow fund summation of the first assets
Equal to the fund summation that other assets produces first assets, the assets of the individual consumer are equal to the individual consumer's
It is in debt and adds the equity of the individual consumer, and the inside asset transition summation of the individual consumer is equal to the individual consumer's
External assets change summation, then success are verified, wherein the verification component is further configured to the mark if verifying successfully
Quasi- more asset transition details entries are sent to the report component, and the report component be configured to it is more based on the standard
Asset transition detail records separately to generate user's asset inventory of the individual consumer, wherein user's asset inventory includes described
The following information of individual consumer: the association between internal assets, external assets and each assets.
According to yet another embodiment, the system also includes protection components, wherein if the inflow fund summation of the first assets
The fund summation of first assets and/or the assets of the individual consumer are produced not equal to described not equal to other assets
The debt plus the equity of the individual consumer and/or the inside asset transition summation of the individual consumer of individual consumer is not equal to
The external assets of the individual consumer change summation, then verify it is unsuccessful, and if the protection component be configured to verification
It is unsuccessful, then current limliting or fusing are carried out to the fund of the individual consumer.
According to yet another embodiment, the system also includes alarm assemblies, if it is unsuccessful to be configured to verification, issue
Warning message, the warning message include at least one of audio-frequency information, text information, vibration information.
According to the third aspect of the disclosure, a kind of more assets balanced security systems based on individual consumer's dimension are provided,
It include: processor;And it is arranged to the memory of storage computer executable instructions, the executable instruction is when executed
The processor is set to execute the method according to the first aspect of the disclosure.
Various aspects generally comprise as substantially herein by reference to described by attached drawing and the method as explained by attached drawing,
Equipment, system, computer program product and processing system.
Foregoing teachings have sketched the contours of the exemplary feature and technical advantage according to the disclosure broadly so that following is detailed
Thin description can be better understood.Additional feature and advantage will describe hereafter.Disclosed concept and specific example can
It is easily used as modifying or being designed to carry out the basis of the other structures of purpose identical with the disclosure.Such equivalent constructions
Without departing from the scope of the appended claims.The characteristic of concepts disclosed herein two aspect of its organizing and operating method with
And associated advantage is better understood due to will be described below because being considered in conjunction with the accompanying.Each attached drawing is for explaining and retouch
It states purpose to provide, and does not define limitations on the claims.
Specific embodiment
It is intended as the description of various configurations below in conjunction with the attached drawing 1-6 detailed description illustrated, and is not intended to indicate to practice
Only configuration of concept described herein.This detailed description includes detail to provide the thorough reason to each conception of species
Solution.However, it will be apparent to those skilled in the art that, these concepts can be practiced without these specific details.
Term is explained:
Assets: refer to by enterprise or it is personal manage transaction in the past or every item is formed, possessed by enterprise or individual
Or control, expection can be to enterprise or the personal resource that bring economic interests;Be any company, mechanism and it is personal possess it is any
Things with business or exchange value.
Internal assets: the various commutative, assets that can valuate of the user in a financial system.For example, in ant gold
Take in system, ant gold take payment of balance in system, Yuebao, fund, insurance, gold, borrow, flower etc. various assets all
It is the inside assets that ant gold takes system.
External assets: flowing out to outside the financial system from a financial system or flows into the financial system from outside
Assets.For example, external assets are to take system from ant gold by user to flow out to external bank for ant gold takes system
Block, do shopping and transfer accounts or is flowed into the assets that ant gold takes system by other channels.
It explains referring now to Fig. 1-6 and is protected according to more assets balance based on individual consumer's dimension of all aspects of this disclosure
The example of the method and system of barrier.
It is protected as shown in Figure 1, being balanced it illustrates more assets based on individual consumer's dimension according to all aspects of this disclosure
The flow chart of the exemplary method 100 of barrier.
In frame 110, method 100 may include receiving the asset transition message of the business event derived from individual consumer.For example, ginseng
Examine Fig. 2, it illustrates according to all aspects of this disclosure include receiving unit 202, resolution component 204, verify component 206 base
In the block component diagram of the example system 200 of more assets balanced securities of individual consumer's dimension.In the figure 2 example, receiving unit
202 may be configured to receive the asset transition message of the business event derived from individual consumer.In one embodiment, asset transition
Message is each business, assets billing and accounting system when business event makes account that remaining sum variation occur, a system of transmission
One individual consumer's asset transition message.In one embodiment, asset transition message includes at least involved by identification service event
Assets one or more fields, one or more of fields include at least one or more of the following terms: payment
Party identifier, payment account number, gathering party identifier, shroff account number, transaction amount.For example, Fig. 5 shows one according to the disclosure
The format sample of the asset transition message of embodiment.
As shown in figure 5, asset transition message may include serial number 501, production number 502, event code 503, paying party mark
Symbol 504, Send only Account type 505, payment account number 506, gathering party identifier 507, collecting account type 508, shroff account number
509, the fields such as transaction amount 510.It will be understood by those skilled in the art that asset transition message can not also include above-mentioned field
One or more of (for example, production number 502) and/or including any one or more other fields (for example, CRC check word
Section etc.).In frame 120, method 100 may include parsing the asset transition message of the individual consumer, and the parsing includes basis
The field for including in the asset transition message is recorded separately to generate the corresponding more asset transition details of standard.
For example, the asset transition that resolution component 204 may be configured to parse the individual consumer disappears with continued reference to Fig. 2
Breath.In one embodiment, the parsing includes generating corresponding standard according to the field for including in the asset transition message
More asset transition details are recorded separately.
In one embodiment, the assets of the individual consumer include internal assets and external assets, wherein the internal money
Production is assets of the individual consumer inside the first financial system, and the external assets are the individual consumers from described
One financial system flows out to the assets outside first financial system or from external inflow first financial system.Example
Such as, it is taken in system in ant gold, the assets of individual consumer may include more than the payment that the individual consumer is taken in ant gold in system
Volume, Yuebao, fund, insurance, gold, by means of, flower etc. internal assets and by the individual consumer take system stream from ant gold
External bank card is arrived out, is done shopping and is transferred accounts or be flowed into the external assets that ant gold takes system by other channels.
In another embodiment, the more asset transition detail entries of the standard include at least: the assets of same individual consumer
Transfer of being in debt is recorded separately, the asset-liabilities transfer in same financial system between Different Individual user is recorded separately, same individual consumer across
The transfer of internal assets and external assets is recorded separately, Different Individual user shifts across the asset-liabilities of different financial systems and records separately.
For example, it illustrates the more assets of the standard obtained after parsing according to all aspects of this disclosure to become with reference to Fig. 6
The format sample that dynamic detail is recorded separately.
It can be seen that showing the more asset transition details of a variety of different standards in column 601 records separately type (that is, transaction
Type).(for example, the remaining sum of user U1 shown in Fig. 6 turns Yuebao) is shifted for the asset-liabilities under same user, this public affairs
The asset transition message can be parsed by the analytic method opened: " be borrowed: Yuebao;It borrows: remaining sum ".
It is elaborated below with reference to Fig. 4-6 and message resolution method is changed according to the example asset of all aspects of this disclosure
400。
As shown in figure 4, method 400 may include being based on including payment party identifier and receipts in asset transition message in frame 401
Whether money party identifier is same user come the beneficiary and paying party for determining the asset transition message.For example, in an example
In, this determination can be made by comparing payment party identifier and gathering party identifier.
For example, in the example depicted in fig. 5, it illustrates three asset transition message: the first asset transition message 551,
Second asset transition message 552 and third asset transition message 553.In this example, the first asset transition message 551 is same
The asset-liabilities Transfer Message of one user, because it is collected money, party identifier and payment party identifier are identical.It will also be appreciated that the
Three asset transition message 553 are also the asset-liabilities Transfer Message of same user, and the second asset transition message 552 is different use
Asset-liabilities Transfer Message between family.
In one embodiment, the resolution component 204 in Fig. 2 may be configured to determine asset transition message beneficiary and
Whether paying party is same user.For example, resolution component 204 can be according to the word in the asset transition message 551-553 in Fig. 5
Section 504 and 507 makes this determination.
If determining the beneficiary of asset transition message in frame 401 and paying party not being same user, method 400 can be into
It to frame 405, records separately, that is, is generated comprising difference here, generating corresponding asset transition detail respectively for beneficiary and paying party
The entry of asset transition between user.
For example, as shown in figure 5, the second asset transition message 552 is that user U1 transfers accounts fund to user from its Alipay
The Alipay of U2, the asset-liabilities transfer being related between different user.Then for this message, beneficiary U2 and payment can be directed to
Square U1 generates corresponding asset transition detail respectively and records separately.This example is given in Fig. 6, such as recording separately 662 is for Fig. 5
In the second asset transition message 552 generate:
User U1 user U2
Borrow: expenditure 100 of transferring accounts is borrowed: remaining sum 100
Borrow: remaining sum 100 is borrowed: income of transferring accounts 100.
If determining the beneficiary of asset transition message in frame 401 and paying party being same user, method 400 can be proceeded to
Frame 402, where it determines that whether asset transition message is related to the change between the inside assets and external assets of the same user
It is dynamic.
In one embodiment, the resolution component 204 in Fig. 2 may be configured to the gathering if it is determined that asset transition message
Side and paying party are same users, it is determined that whether asset transition message is related to the inside assets and external assets of the same user
Between variation.For example, as described above, in the example of hgure 5, third asset transition message 553 is related to the inside of same user
Variation between assets and external assets, and the first asset transition message 551 is then not related to.In conjunction with Fig. 5, in this example,
The resolution component 204 of Fig. 2 is configured to the fields such as collecting account type, Send only Account type to make this really
It is fixed.
If between the inside assets and external assets that frame 402 determines that asset transition message is related to the same user
It changes, then method 400 can proceed to frame 403, here, generating for related user includes internal assets and external assets
It records separately.
For example, as shown in figure 5, third asset transition message 553 is that user U1 is bought using the fund of external bank card
Yuebao, the variation being related between the inside assets of the user and external assets.Then for this message, can be generated for use
The entry including internal assets and external assets of family U1.This example is given in Fig. 6, such as recording separately 663 is for Fig. 5
In third asset transition message 553 generate:
User U1
It borrows: external bank card 100
It borrows: Yuebao 100.
If between the inside assets and external assets that frame 402 determines that asset transition message is not related to the same user
Variation, then method 400 can proceed to frame 404, here, generate for related user only include internal assets entry.
For example, as shown in figure 5, the first asset transition message 551 be user U1 by Alipay balance transfer to Yuebao, and
The variation not being related between the inside assets of the user and external assets.Then for this message, can be generated for user U1
Only include internal assets entry.This example is given in Fig. 6, such as recording separately 661 is for the first assets in Fig. 5
Change the entry 661 that message 551 generates:
User U1
It borrows: Yuebao 100
It borrows: remaining sum 100.
After generating corresponding record separately, resolving is completed, and method 400 terminates.
It will be understood by those skilled in the art that such as described in conjunction with Figure 6, the more asset transitions of standard in the disclosure above
Detail entry is more comprehensive relative to existing entry, is enable to the asset transition for verifying individual consumer.For example,
It is shown with grey filling in Fig. 6 and records separately increased entry compared to existing, so that business event is completely depicted, so that
The asset transition of individual consumer can correctly be verified.
In another embodiment, method 100 examines the asset transition message before may additionally include the parsing
It tests to exclude repetition message or error message.
In one embodiment, CRC check, serial number etc. can be used to test to asset transition message, with determination
Whether the message repeats or error.It is likely to be broken for example, reasons, the asset transition message such as distorting for network fluctuation or malice
Or it distorts.In the example present, the receiving unit 202 of Fig. 2 can execute inspection (example after receiving asset transition message
Such as, CRC check) determine whether the asset transition message malfunctions, and if it is determined that asset transition message error then abandons
The message is without executing parsing.
In another example, if receiving the multiple assets with identical serial number from individual consumer changes message,
It can then determine that multiple asset transition message is duplicate, and can correspondingly abandon these asset transition message and only retain it
One of.
It later continues to refer to figure 1, in frame 130, method 100 may include the more asset transitions of standard based on the individual consumer
Detail is recorded separately to verify asset transition.For example, verification component 206 is configured to the mark of user U1 with reference to Fig. 2 and 6
Quasi- more asset transition details are recorded separately to verify its asset transition.
In one embodiment, the verification may include that the gross assets of the individual consumer are at least categorized into assets, are born
Debt, equity.For example, the example system 200 of Fig. 2 includes optionally also classification component 210, it is configured to individual consumer's
Gross assets are at least categorized into assets, debt, equity.For example, in the example that ant gold takes system, remaining sum, the remaining sum of user
Treasured belongs to Asset Type, and the flower of user, by means of belong to debt type, etc..It will be understood by those skilled in the art that money
Production, debt, equity etc. have the ordinary meaning in accounting finance field.
In another embodiment, the verification may also include determining that at least one of the following terms: the stream of the first assets
Enter whether fund summation is equal to the fund summation that other assets produces first assets;The gross assets of the individual consumer
Whether the debt of the individual consumer plus the equity of the individual consumer are equal to;And the inside asset transition of the individual consumer
The external assets whether summation is equal to the individual consumer change summation.
If the inflow fund summation of the first assets is equal to the fund summation that other assets produces first assets, institute
The assets for stating individual consumer are equal to being in debt for the individual consumer and add the equity of the individual consumer, and the individual consumer
The external assets that internal asset transition summation is equal to the individual consumer change summation, then verify success.
For example, verification component 206 may be configured to determine that the inflow fund of the Yuebao of user U1 is total with reference to Fig. 2 and 6
Whether money that various other assets (for example, external bank card, fund, Alipay remaining sum, etc.) produce Yuebao is equal to
Golden summation;And/or whether the inside asset transition of user U1 is equal to the variation of its external assets;And/or the gross assets of user U1
Whether its be in debt weighting benefit is equal to.
Specifically, the more asset transition details of standard that Fig. 6 can be used in verification component 206 are recorded separately to carry out following school
It tests:
The Yuebao of user U1, which amounts to, flows into 200, and (this two for Alipay remaining sum and external bank card respectively from user U1
Person each own 100 flows into Yuebao).Therefore, more than Alipay of the inflow fund summation of the Yuebao of user U1 equal to user U1
Volume and external bank card produce the fund summation of Yuebao.
The external bank card of user U1 flows into 100 to the Yuebao of user U1;The external assets variation of user is to reduce
100, and its internal assets is increase by 100.Thus the inside asset transition of user U1 is changed equal to its external assets.
User U1 transfers accounts expenditure 100, and Alipay remaining sum correspondingly reduces 100.To which the gross assets of user U1 are equal to
Its weighting benefit of being in debt.
In this way, the verification component 206 of the disclosure can be determined and be verified successfully.
In another embodiment, in the case where verifying successful situation, method 100 optionally includes being provided based on the standard more
Produce the user's asset inventory for changing detail entry to generate the individual consumer.For example, system 200 is also optionally with reference to Fig. 2
Including report component 214.In this example, if verification component 206 may be additionally configured to verify successfully, the standard is more
Asset transition detail entry is sent to report component 210, and report component 210 can be configured to based on the more assets of the standard
Detail is changed to record separately to generate user's asset inventory of the individual consumer, to generate more assets reports of individual consumer's dimension
Table.
In one embodiment, following information of the user's asset inventory including at least the individual consumer: internal assets,
Association between external assets and each assets.In another embodiment, user's asset inventory may also include for not
Summarize the asset inventory of user with financial product, for example, respectively for Yuebao, Alipay remaining sum, flower etc. come work out report
Table.
It continues to refer to figure 1, if method 100 optionally includes that verification is unsuccessful, alert.For example, such as
The inflow fund summation of the first assets of fruit produces the fund summation of first assets and/or described not equal to other assets
The assets of individual consumer are not equal to the debt of the individual consumer plus equity and/or the individual consumer of the individual consumer
Inside asset transition summation not equal to the individual consumer external assets change summation, then verify unsuccessful.Implement one
In example, as long as verification component 206 has determined that one of above-mentioned condition is unsuccessful, stop verification and alert at once, and
Without executing residue check.
For example, system 200 in Fig. 2 also optionally includes alarm assemblies 208, if can be configured to verification not at
Function, then alert.
In one embodiment, the warning message includes one of audio-frequency information, text information, vibration information or more
Person.For example, warning message can be one section of voice alarm or buzzing, it perhaps can be the alarm text box of pop-up or make
The vibration equipment of operator (for example, administrator, supervisor).In another embodiment, can also by administrative staff or
Supervisor or user send the information such as short message, Email or dial its communication equipment to play voice announcement
It alarms.
In another embodiment, if method 100 also optionally includes that verification is unsuccessful, to the individual consumer's
Fund carries out current limliting or fusing.For example, system 200 optionally includes also protection component 212 with reference to Fig. 2, it is configured to
It verifies and current limliting or fusing is carried out to the fund of individual consumer in unsuccessful situation, such as limit the funds transaction of individual consumer
The amount of money upper limit, any funds transaction for forbidding individual consumer, etc..
In another embodiment, the verification can be carried out immediately later in the parsing.Alternatively, described parse obtained mark
Quasi- more asset transition detail entries can be stored, and the verification can be executed by a certain predetermined period.For example, Fig. 2
The verification component 206 of example system can depend on the amount of money involved in asset transition and determine the need for executing school at once
It tests.In this example, when the involved amount of money is more than a certain predetermined threshold (for example, 5000 RMB, etc.), component 206 is verified
Above-mentioned verification can be executed at once.
As described above, it can be seen that resolution component 204 in Fig. 2 and verification component 206 are more assets resolution components and more
Assets verify component, so as to overcome traditional bank list main body balance check that cannot verify the balance of the more assets of more accounting bodies
The problem of verification, provides the balance tentative calculation ability for being accurate to individual consumer's dimension.Meanwhile can by real time (immediately) or
The debt-credit balance check of more assets (regularly) is executed near real-time, can be in real time or near real-time clients fund safety pocket
Bottom.
Fig. 3 is the example system for explaining more assets balanced securities based on individual consumer's dimension according to all aspects of this disclosure
The diagram of system 300.As shown, system 300 includes processor 305 and memory 310.Memory 310 is stored with computer can
It executes instruction, these instructions can be executed to realize the above method and process described in conjunction with Fig. 1,2,4 by processor 305.
It will be understood by those skilled in the art that although taking system in conjunction with ant gold describes each example embodiment, this public affairs
The technical solution opened is equally applicable to various other financial systems, such as banking system, insurance system etc..
The above specific embodiment includes the reference to attached drawing, and attached drawing forms the part of specific embodiment.Attached drawing passes through
Illustrate to show the specific embodiment that can be practiced.These embodiments are referred to herein as " example ".Such example may include
Element in addition to those of shown or described element.However, also contemplating the example including shown or described element.In addition,
What is also contemplated is the example of any combination or arrangement using those of shown or described element, or referring to shown herein or
The particular example (or one or more in terms of) of description, or referring to other shown or described herein examples (or one
Or many aspects).
In the dependent claims, term " includes " and "comprising" are open, that is to say, that in the claims
System, equipment, product or the process of element in addition to those of enumerating element after such term are regarded as falling in that
In the scope of the claims.In addition, in the dependent claims, term " first ", " second " and " third " etc. are merely used as
Label, and it is not intended to the numerical order shown to their object.
In addition, the order respectively operated explained in this specification is exemplary.In an alternate embodiment, each operation can
To execute by from different order shown in the drawings, and each operation can be merged into single operation or split into more multioperation.
Above description is intended to illustrative and not restrictive.For example, in combination with other embodiments come using retouching above
The example (or in terms of one or more) stated.Can such as by those of ordinary skill in the art check above description it is later
Use other embodiments.Abstract allows reader to quickly determine the nature of the disclosure of the art.The abstract is submitted, and understands that this is plucked
It will not be used to interpret or limit the scope of the claims or meaning.In addition, various features can in the above specific embodiment
Jointly in groups so that the disclosure is smooth.However, claim can not state each feature disclosed herein, because implementing
Example can characterize the subset of the feature.In addition, embodiment may include feature more less than feature disclosed in particular example.
Therefore, the appended claims are hereby incorporated into specific embodiment, a claim as individual embodiment and
It is individually present.The range of embodiment disclosed herein should be assigned referring to the appended claims and such claim
The full breadth of the equivalence of right determines.