CN111222985A - Financial product transaction method and device - Google Patents
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- CN111222985A CN111222985A CN201911127614.5A CN201911127614A CN111222985A CN 111222985 A CN111222985 A CN 111222985A CN 201911127614 A CN201911127614 A CN 201911127614A CN 111222985 A CN111222985 A CN 111222985A
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Abstract
The invention relates to the technical field of financial data processing, in particular to a financial product transaction method and a financial product transaction device, wherein the method comprises the following steps: searching a plurality of first financial products according to the trading parameters of the financial products and displaying the first financial products on a display interface; acquiring each first financial product selected by a user and storing the first financial products in a management list; determining each selected first financial product as a second financial product; generating a product analysis report according to the product risk grade and the product income grade corresponding to each second financial product; sending a product analysis report to a user, and determining a second financial product selected by the user to generate an order list; generating a bill to be paid based on the order list, and sending the bill to be paid to the user; and receiving payment information fed back by the user to complete the transaction. By applying the method, after the user selects the financing product, the product analysis report can be generated according to the selected financing product, and the user can select a plurality of products to be ordered according to the product analysis report, so that the shopping experience of the user is improved.
Description
Technical Field
The invention relates to the technical field of financial data processing, in particular to a financial product transaction method and device.
Background
Along with the rapid development of the financial industry, financial products of various banks are increasing. When purchasing a financial product, a customer needs to consider product information, risk level, financial income and the like of each product, browse and compare a plurality of products, and then purchase the required financial product.
However, in the existing online financial product transaction process, a client needs to compare the risk level and financial profit information of each financial product, and because the risk level and the financial profit information corresponding to each financial product are different, the user cannot visually determine the difference between the risk level and the financial profit of each financial product, and meanwhile, when the client browses too many financial products, the client cannot select and purchase a plurality of financial products at the same time. Therefore, in the transaction process of the existing online financial product, the purchasing demand of the customer cannot be better met, and the shopping experience of the customer is influenced.
Disclosure of Invention
Based on the problems, the invention provides a financial product transaction method, by which a product analysis report can be generated for a financial product selected by a customer, so that a user can select a plurality of products to be ordered according to the product analysis report, and the shopping experience of the user is improved.
The invention also provides a financial product transaction device which is used for ensuring the realization and the application of the method in practice.
A financial product transaction method comprising:
when a transaction instruction sent by a user is received, determining financial product transaction parameters corresponding to the transaction instruction;
searching a plurality of first financial products corresponding to the financial product transaction parameters in a preset financial product system;
displaying each first financing product on a preset display interface so that the user can select each first financing product on the display interface;
acquiring each first financial product selected by the user on the display page, storing each first financial product selected by the user into a preset management list, and determining each first financial product in the management list as a second financial product;
determining a product risk grade and a product income grade corresponding to each second financial product, and generating a product analysis report according to the product risk grade and the product income grade corresponding to each second financial product, wherein the product analysis report comprises a product risk grade comparison table and a product income grade comparison table of all second financial products;
sending the product analysis report to the user, determining second financial products selected by the user in the management list according to the product analysis report, and generating an order list corresponding to each second financial product selected by the user;
generating a bill to be paid corresponding to the order list based on the order list, and sending the bill to be paid to the user;
and receiving payment information fed back by the user, and completing the transaction of the order list, wherein the payment information is generated after the user carries out payment operation based on the bill to be paid.
Optionally, in the method, when a transaction instruction sent by a user is received, determining financial product transaction information corresponding to the transaction instruction includes:
acquiring user identity information carried in the transaction instruction;
and acquiring historical transaction information of the user based on the user identity information, and determining financial product transaction parameters corresponding to the transaction instruction according to the historical transaction information.
Optionally, the displaying each first financial product on a preset display interface includes:
acquiring product information corresponding to each first financial product, and determining product key information corresponding to each first financial product according to the product information;
and displaying each first financing product on a preset display interface, and displaying product key information corresponding to each first financing product on any side of the first financing product.
Optionally, the displaying each first financial product on a preset display interface includes:
acquiring a user evaluation grade corresponding to each first financial product, and sequencing the first financial products from high to low according to the client evaluation grade;
and displaying each sorted first financial product on a preset display interface.
Optionally, the method, after generating a product analysis report according to the product risk level and the product income level corresponding to each second financial product, further includes:
determining the product type of each second financial product, and searching the financial products with the highest user evaluation equivalence corresponding to each product type except for each second financial product in the financial product system;
determining the searched financial products with the highest user evaluation equivalence corresponding to each product type except the second financial products as third financial products, and storing the third financial products in the management list;
determining a product risk grade and a product income grade corresponding to each third financing product, and generating a similar product analysis report corresponding to each product type according to the product risk grade and the product income grade corresponding to the second financing product with the same product type and the product risk grade and the product income grade corresponding to the third financing product, wherein the similar product analysis report comprises a product risk grade comparison table and a product income grade comparison table corresponding to the second financing product with the same product type and the third financing product;
and sending the similar product analysis report and the product analysis report to the user, determining a second financial product and/or a third financial product selected by the user in the management list according to the similar product analysis report and the product analysis report, and generating an order list of the second financial product and/or the third financial product selected by the user.
The above method, optionally, further includes:
determining the experience period corresponding to each second financial product of which the user has completed the transaction;
if the purchase time of the second financial product which has finished the transaction reaches the experience period corresponding to the purchase time, sending an evaluation instruction corresponding to the second financial product which has finished the transaction to the user so that the user evaluates the second financial product which has finished the transaction;
and receiving evaluation information after the user carries out evaluation operation on the second financing product which has finished the transaction according to the evaluation instruction, and updating the user evaluation grade corresponding to the second financing product which has finished the transaction according to the evaluation information.
A financial product transaction apparatus comprising:
the system comprises a determining unit, a processing unit and a processing unit, wherein the determining unit is used for determining financial product transaction parameters corresponding to a transaction instruction when the transaction instruction sent by a user is received;
the searching unit is used for searching a plurality of first financial products corresponding to the trading parameters of the financial products in a preset financial product system;
the display unit is used for displaying each first financial product on a preset display interface so that the user can select each first financial product on the display interface;
the saving unit is used for acquiring each first financial product selected by the user on the display page, saving each first financial product selected by the user into a preset management list, and determining each first financial product in the management list as a second financial product;
the first generation unit is used for determining the product risk level and the product income level corresponding to each second financial product and generating a product analysis report according to the product risk level and the product income level corresponding to each second financial product, wherein the product analysis report comprises a product risk level comparison table and a product income level comparison table of all the second financial products;
a second generating unit, configured to send the product analysis report to the user, determine a second financial product selected by the user in the management list according to the product analysis report, and generate an order list corresponding to each second financial product selected by the user;
a third generating unit, configured to generate a bill to be paid corresponding to the order list based on the order list, and send the bill to be paid to the user;
and the receiving unit is used for receiving payment information fed back by the user and completing the transaction of the order list, wherein the payment information is generated after the user carries out payment operation based on the bill to be paid.
The above apparatus, optionally, the determining unit includes:
the first acquisition subunit is used for acquiring the user identity information carried in the transaction instruction;
and the determining subunit is used for acquiring historical transaction information of the user based on the user identity information, and determining financial product transaction parameters corresponding to the transaction instruction according to the historical transaction information.
The above apparatus, optionally, the display unit, includes:
the second acquisition subunit is used for acquiring product information corresponding to each first financial product and determining product key information corresponding to each first financial product according to each product information;
and the first display subunit is used for displaying each first financing product on a preset display interface and displaying the corresponding product key information on any side of each first financing product.
The above apparatus, optionally, the display unit, includes:
the third acquisition subunit is used for acquiring the user evaluation level corresponding to each first financial product and sequencing each first financial product from high to low according to the client evaluation level;
and the second display subunit is used for displaying each sorted first financial product on a preset display interface.
A storage medium comprising stored instructions, wherein the instructions, when executed, control a device on which the storage medium is located to carry out the financial product transaction method described above.
An electronic device comprising a memory, and one or more instructions, wherein the one or more instructions are stored in the memory and configured to be executed by one or more processors to perform the financial product transaction method described above.
Compared with the prior art, the invention has the following advantages:
the invention provides a financial product transaction method, which comprises the following steps: when a transaction instruction sent by a user is received, determining financial product transaction parameters corresponding to the transaction instruction; searching a plurality of first financial products corresponding to the financial product transaction parameters in a preset financial product system; displaying each first financing product on a preset display interface so that the user can select each first financing product on the display interface; acquiring each first financial product selected by the user on the display page, storing each first financial product selected by the user into a preset management list, and determining each first financial product in the management list as a second financial product; determining a product risk grade and a product income grade corresponding to each second financial product, and generating a product analysis report according to the product risk grade and the product income grade corresponding to each second financial product, wherein the product analysis report comprises a product risk grade comparison table and a product income grade comparison table of all second financial products; sending the product analysis report to the user, determining second financial products selected by the user in the management list according to the product analysis report, and generating an order list corresponding to each second financial product selected by the user; generating a bill to be paid corresponding to the order list based on the order list, and sending the bill to be paid to the user; and receiving payment information fed back by the user, and completing the transaction of the order list, wherein the payment information is generated after the user carries out payment operation based on the bill to be paid. By applying the method provided by the invention, after the user selects the financial product, the product analysis report can be generated according to the financial product selected by the user, so that the user can select a plurality of products to be ordered according to the product analysis report, and the shopping experience of the user is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a flow chart of a method of trading a financial product according to an embodiment of the present invention;
FIG. 2 is a flow chart of another method of a financial product transaction method according to an embodiment of the present invention;
FIG. 3 is a flow chart of another method of a financial product transaction method according to an embodiment of the present invention;
FIG. 4 is a schematic structural diagram of a financial product transaction apparatus according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In this application, relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions, and the terms "comprises", "comprising", or any other variation thereof are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The invention is operational with numerous general purpose or special purpose computing device environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet-type devices, multi-processor apparatus, distributed computing environments that include any of the above devices or equipment, and the like.
The embodiment of the invention provides a financial product transaction method, which can be applied to a plurality of system platforms, wherein an execution main body of the method can be a computer terminal or a processor of various mobile devices, and a flow chart of the method is shown in figure 1 and specifically comprises the following steps:
s101: when a transaction instruction sent by a user is received, determining financial product transaction parameters corresponding to the transaction instruction;
in the embodiment of the invention, when a user needs to order a financial product, a transaction instruction can be sent to the processor through the service terminal, and the processor determines the financial product transaction parameter corresponding to the transaction instruction when receiving the transaction instruction sent by the user. The financial product transaction parameters can include product amount, product period, product highest risk level, product lowest risk level, product highest income level, product lowest income level and the like.
S102: searching a plurality of first financial products corresponding to the financial product transaction parameters in a preset financial product system;
in the embodiment of the invention, after a transaction instruction is received and the transaction parameters of the financial product are determined, a plurality of first financial products corresponding to the transaction parameters of the financial product are searched through a financial product system which is set in advance.
It should be noted that the financial product transaction system includes all financial products. The plurality of first financial products may be funds, deposits, etc.
S103: displaying each first financing product on a preset display interface so that the user can select each first financing product on the display interface;
in the embodiment of the invention, the plurality of searched first financial products are displayed on the preset display interface. The display interface can be a display interface of the service terminal. The user may browse and select a plurality of first financial products through the presentation interface.
Optionally, the user may click any one financial product to browse, and the processor generates product detail information corresponding to a certain first financial product after receiving that the user clicks the first financial product. The product detail information comprises the money amount, period, income condition, user evaluation level, user evaluation content, risk level and the like of the product.
S104: acquiring each first financial product selected by the user on the display page, storing each first financial product selected by the user into a preset management list, and determining each first financial product in the management list as a second financial product;
in the embodiment of the invention, after a plurality of first financial products are selected on the display interface by a user, the first financial products selected by the user are obtained, each first financial product selected by the user is stored in a preset management list, and each first financial product in the management list is determined as a second financial product.
The user can perform user operation on the management list through the service terminal.
S105: determining a product risk grade and a product income grade corresponding to each second financial product, and generating a product analysis report according to the product risk grade and the product income grade corresponding to each second financial product, wherein the product analysis report comprises a product risk grade comparison table and a product income grade comparison table of all second financial products;
in the embodiment of the invention, the product risk grade and the product income grade corresponding to each second financial product in the management list are determined, and a product analysis report is generated according to the product risk grade and the product income grade corresponding to each second financial product. Wherein the product analysis report includes a product risk level comparison table and a product income level comparison table for all second financial products. And the product risk level comparison table comprises the product risk level corresponding to each second financing product, and the product risk levels corresponding to each second financing product are compared to generate the product risk level comparison table. The product income level comparison table comprises the product income level corresponding to each second financial product, and the product income levels corresponding to each second financial product are compared to generate the product income level comparison table.
S106: sending the product analysis report to the user, determining second financial products selected by the user in the management list according to the product analysis report, and generating an order list corresponding to each second financial product selected by the user;
in the embodiment of the invention, after the product analysis report is generated, the product analysis report is sent to the user, and the user can determine which financing product is more in line with the ordering expectation according to the product analysis report. After viewing the product analysis report, the user can select second financial products needing to be purchased from the management list and generate an order list corresponding to each second financial product selected by the user.
It should be noted that the user may select to purchase a plurality of second financial products in the management list, or may select to purchase one second financial product.
S107: generating a bill to be paid corresponding to the order list based on the order list, and sending the bill to be paid to the user;
in the embodiment of the invention, after the order list is generated, the bill to be paid is generated according to the order list, and the bill to be paid is sent to the user.
It should be noted that, after the order list is generated, the amount of money to be paid by the user and the order number corresponding to the order list are determined according to the generated order list, and the bill to be paid is generated according to the payment amount and the order number.
S108: and receiving payment information fed back by the user, and completing the transaction of the order list, wherein the payment information is generated after the user carries out payment operation based on the bill to be paid.
In the embodiment of the invention, after receiving the bill to be paid, the user carries out payment operation on the bill to be paid. And after the user finishes the payment operation, the payment information fed back by the user is received, and the transaction of the order list is finished.
Optionally, after receiving the bill to be paid, the user may choose to cancel payment of the bill to be paid. And when the user cancels the payment, canceling the order list, and restoring each second financial product in the order list to the management list.
Further, the user can delete any second financial product in the management list, and when the user selects to delete any second financial product, the second financial product is deleted in the management list, and a new product analysis report is generated.
In the financial product transaction method provided by the embodiment of the invention, after a transaction instruction sent by a user is received, the financial product transaction parameter corresponding to the transaction instruction is determined according to the transaction instruction sent by the user. And searching a plurality of first financial products corresponding to the trading parameters of the financial products in a preset financial product system, and displaying the searched first financial products on a display interface. The user can select the required first financial product through the display interface, each first financial product selected by the user is stored in a preset management list, and the first financial product selected by the user in the management list is determined as a second financial product. And determining a product risk grade and a product income grade corresponding to each second financial product, generating a product analysis report according to the product risk grade and the product income grade corresponding to each second financial product, and sending the product analysis report to the user. And after receiving the product analysis report, the user determines a second financial product needing to be purchased, and simultaneously selects the second financial product needing to be ordered in the management list. And generating an order list according to the second financial product selected by the user, generating a bill to be paid based on the order list, sending the bill to the user, and completing the transaction of the order list after the user performs payment operation.
By applying the method provided by the embodiment of the invention, after the user selects the financial product, the product analysis report can be generated according to the financial product selected by the user, so that the user can select a plurality of products to be ordered according to the product analysis report, and the shopping experience of the user is improved.
In the method provided by the embodiment of the present invention, based on the step S101, when a transaction instruction sent by a user is received, determining financial product transaction information corresponding to the transaction instruction specifically includes:
acquiring user identity information carried in the transaction instruction;
and acquiring historical transaction information of the user based on the user identity information, and determining financial product transaction parameters corresponding to the transaction instruction according to the historical transaction information.
In the method provided by the embodiment of the invention, when the user sends the transaction instruction, the user identity information carried in the transaction instruction can be obtained, and the historical transaction information of the user can be obtained according to the user identity information. The historical transaction information comprises product information of each financial product which is completed by the user, transaction conditions input when the financial product is purchased each time, and the like. The product transaction parameters corresponding to the transaction instruction may be determined from historical transaction information of the user.
By applying the method provided by the embodiment of the invention, the financing product favored by the user can be more reasonably determined by acquiring the user identity information, so that the financing product meeting the user requirement can be more reasonably searched, and the shopping experience of the user is improved.
In the method provided by the embodiment of the present invention, based on the step S103, each of the first financial products is displayed on a preset display interface, which specifically includes:
acquiring product information corresponding to each first financial product, and determining product key information corresponding to each first financial product according to the product information;
and displaying each first financing product on a preset display interface, and displaying product key information corresponding to each first financing product on any side of the first financing product.
Meanwhile, based on the step S103, displaying each first financial product on a preset display interface, which may specifically include:
acquiring a user evaluation grade corresponding to each first financial product, and sequencing the first financial products from high to low according to the client evaluation grade;
and displaying each sorted first financial product on a preset display interface.
In the financial product transaction method provided by the embodiment of the invention, after a plurality of first financial products corresponding to the product transaction parameters are found, the product information of each first financial product can be obtained, and the product key information corresponding to each first financial product is determined according to the product information of each first financial product. When each first financing product is displayed on the display interface, the key information of each product can be displayed on any side of the corresponding first financing product. By displaying the product key information of each first financial product, the user can quickly determine which financial product is expected to be traded by the user, and the shopping experience of the user is improved.
Further, when each first financial product is displayed on a preset display interface, the user evaluation level corresponding to each first financial product may be obtained first, and meanwhile, the ranking is performed according to the evaluation level of each first financial product, and the ranking mode may be from high to low according to the evaluation level. The higher the user evaluation level is, the higher the ranking of the first financial product corresponding to the user evaluation level is. And when the user evaluation grades are consistent, sorting can be performed according to the transaction amount of the first financial product, wherein the higher the transaction amount is, the higher the sorting is. And displaying each sorted first financial product on a display interface.
Optionally, after each sorted first financial product is displayed on the display interface, the product key information corresponding to each first financial product may be displayed on any side of each first financial product.
By applying the method provided by the embodiment of the invention, when each first financing product is displayed, the product key information of each first financing product can be displayed simultaneously, and the display can be performed in a sequencing mode according to the user evaluation level. Meanwhile, the key information of the product can be displayed on the basis of sequencing display. Therefore, the display mode of each first financial product improves the shopping experience of the user.
In the method provided in the embodiment of the present invention, based on step S105, after generating a product analysis report according to the product risk level and the product income level corresponding to each of the second financial products, the process shown in fig. 2 may be implemented, and specifically, the method further includes:
s201: determining the product type of each second financial product, and searching the financial products with the highest user evaluation equivalence corresponding to each product type except for each second financial product in the financial product system;
in the embodiment of the invention, after the product analysis report is generated, the product type of each second financial product can be determined, and the financial product with the highest user evaluation equivalence corresponding to each product type except for each second financial product is searched in the financial product system. For example, there are class A financial products and class B financial products in the management list; if the second financial products belonging to the A-type financial products in the management list are respectively A1, A2 and A3, the A-type financial products with the highest user evaluation level except the A1, A2 and A3 are searched in the financial product system. Similarly, if only the second financial product belonging to the class B financial products in the management list is B1, the class B financial product with the highest user rating level except B1 is searched in the system of the physical properties.
S202: determining the searched financial products with the highest user evaluation equivalence corresponding to each product type except the second financial products as third financial products, and storing the third financial products in the management list;
in the embodiment of the invention, the found financing product with the highest user evaluation equivalence is determined as the third financing product, and each third financing product is stored in the management list.
Optionally, the second financial products and the third financial products are sorted in the management list, and the user may select whether the third financial product needs to be searched.
S203: determining a product risk grade and a product income grade corresponding to each third financing product, and generating a similar product analysis report corresponding to each product type according to the product risk grade and the product income grade corresponding to the second financing product with the same product type and the product risk grade and the product income grade corresponding to the third financing product, wherein the similar product analysis report comprises a product risk grade comparison table and a product income grade comparison table corresponding to the second financing product with the same product type and the third financing product;
in the embodiment of the invention, after each third financing product is obtained, the product risk level and the product income level corresponding to each third financing product are determined. Meanwhile, according to the product type, a similar product analysis report corresponding to the product type can be generated. For example: and when the second financial product corresponding to the product type A is A1, A2 and A3, and the third financial product is A4, similar product analysis reports corresponding to A1, A2, A3 and A4 are generated, and the similar product analysis reports corresponding to A1, A2, A3 and A4 comprise a product risk grade comparison table and a product income grade comparison table of A1, A2, A3 and A4.
S204: and sending the similar product analysis report and the product analysis report to the user, determining a second financial product and/or a third financial product selected by the user in the management list according to the similar product analysis report and the product analysis report, and generating an order list of the second financial product and/or the third financial product selected by the user.
In the embodiment of the invention, the similar product analysis report and the product analysis report are sent to the user, and after the user looks up and browses, the user can select the second financial product and/or the third financial product to be purchased in the management list according to the similar product analysis report and the product analysis report. Also, an order list is generated according to the user's selection.
Optionally, after the order list is generated according to the second financial product and/or the third financial product selected by the user, the transaction for the order list may be completed based on the methods of the above steps S107 and S108. The process is identical to the above steps S107 and S108, and will not be described herein again.
Further, after the same kind of product analysis report is generated, the total product analysis report can be generated again. Wherein, the total product analysis report comprises a product risk grade comparison table and a product income grade comparison table corresponding to all the second financing products and all the third financing products.
In the financial product transaction method provided by the embodiment of the invention, after a product analysis report is generated based on the product risk level and the product income level corresponding to each second financial product, a third financial product can be obtained according to the product type of each second financial product, and a similar product analysis report is generated according to each product type. After reading and browsing, the user can choose to buy the second financial product or the third financial product, or buy the second financial product and the third financial product at the same time.
By applying the method provided by the embodiment of the invention, in the order list, the user can order a third financial product in the similar products besides the second financial product. By sending the similar product analysis report and the product analysis report to the user, the user can select the optimal financing product more reasonably, and the shopping experience of the user is improved.
In the method provided in the embodiment of the present invention, after completing the transaction, the user may evaluate the purchased financial product, and as shown in fig. 3 specifically, the method may further include:
s301: determining the experience period corresponding to each second financial product of which the user has completed the transaction;
in the embodiment of the invention, after the user completes the transaction, the experience period corresponding to each second financial product after the user completes the transaction can be determined. The method comprises the steps that an experience period can be set for each financial product, in the experience period, a user can determine whether the financial product purchased by the user meets the expectation of the user, and the change situation of the product risk level and the product income level of the financial product purchased by the user in the experience period can be determined.
S302: if the purchase time of the second financial product which has finished the transaction reaches the experience period corresponding to the purchase time, sending an evaluation instruction corresponding to the second financial product which has finished the transaction to the user so that the user evaluates the second financial product which has finished the transaction;
in the embodiment of the invention, when the purchase time of any second financial product which has completed the transaction among all the second financial products purchased by the user reaches the experience period, an evaluation instruction corresponding to the second financial product which has completed the transaction and has the purchase time reaching the experience period is sent to the user, and the user can evaluate the second financial product which has completed the transaction according to the evaluation instruction.
S303: and receiving evaluation information after the user carries out evaluation operation on the second financing product which has finished the transaction according to the evaluation instruction, and updating the user evaluation grade corresponding to the second financing product which has finished the transaction according to the evaluation information.
In the embodiment of the invention, after the user carries out evaluation operation on the second financial product which has completed the transaction, the corresponding evaluation information is received. The evaluation information comprises the evaluation content and the evaluation grade of the user for evaluating the second financial management product which has completed the transaction. And updating the user evaluation level corresponding to the second financial product according to the evaluation level in the evaluation information.
In the method provided by the embodiment of the invention, after the transaction is completed, whether the purchase time of the second financial product purchased by the user reaches the experience period is determined according to the purchase time of the second financial product purchased by the user. If the second financing product arrives, an evaluation instruction is sent to the user, the user can evaluate and score the second financing product within the experience period, and the purchasing experience of the user is expressed, so that the user who needs to purchase the second financing product in the following process can know the second financing product more deeply.
Optionally, based on the processes of the steps S201 to S204, after the user transacts the second financial product and/or the third financial product based on the contents of the steps S201 to S204, the method of the embodiment may be applied to evaluate the purchased financial product. The process is the same as the above embodiment, and is not repeated herein.
By applying the method provided by the embodiment of the invention, the user can evaluate the financial products purchased by the user according to the purchasing time of the user, so that when other users purchase the financial products in the following process, the user can more deeply know the financial products and the shopping experience of the user is improved.
The specific implementation procedures and derivatives thereof of the above embodiments are within the scope of the present invention.
Corresponding to the method described in fig. 1, an embodiment of the present invention further provides a financial product transaction apparatus, which is used for implementing the method in fig. 1 specifically, the financial product transaction apparatus provided in the embodiment of the present invention may be applied to a computer terminal or various mobile devices, and a schematic structural diagram of the financial product transaction apparatus is shown in fig. 4, and specifically includes:
the determining unit 401 is configured to determine, when a transaction instruction sent by a user is received, a financial product transaction parameter corresponding to the transaction instruction;
a searching unit 402, configured to search, in a preset financial product system, a plurality of first financial products corresponding to the financial product transaction parameters;
a display unit 403, configured to display each first financial product on a preset display interface, so that the user selects each first financial product on the display interface;
a saving unit 404, configured to obtain each first financial product selected by the user on the display page, save each first financial product selected by the user to a preset management list, and determine each first financial product in the management list as a second financial product;
a first generating unit 405, configured to determine a product risk level and a product income level corresponding to each second financial product, and generate a product analysis report according to the product risk level and the product income level corresponding to each second financial product, where the product analysis report includes a product risk level comparison table and a product income level comparison table of all second financial products;
a second generating unit 406, configured to send the product analysis report to the user, determine a second financial product selected by the user in the management list according to the product analysis report, and generate an order list corresponding to each second financial product selected by the user;
a third generating unit 407, configured to generate a bill to be paid corresponding to the order list based on the order list, and send the bill to be paid to the user;
the receiving unit 408 is configured to receive payment information fed back by the user, and complete a transaction for the order list, where the payment information is information generated after the user performs a payment operation based on the bill to be paid.
In the apparatus provided in the embodiment of the present invention, the determining unit 401 includes:
the first acquisition subunit is used for acquiring the user identity information carried in the transaction instruction;
and the determining subunit is used for acquiring historical transaction information of the user based on the user identity information, and determining financial product transaction parameters corresponding to the transaction instruction according to the historical transaction information.
In the apparatus provided in the embodiment of the present invention, the display unit 403 includes:
the second acquisition subunit is used for acquiring product information corresponding to each first financial product and determining product key information corresponding to each first financial product according to each product information;
and the first display subunit is used for displaying each first financing product on a preset display interface and displaying the corresponding product key information on any side of each first financing product.
In the apparatus provided in the embodiment of the present invention, the display unit 403 includes:
the third acquisition subunit is used for acquiring the user evaluation level corresponding to each first financial product and sequencing each first financial product from high to low according to the client evaluation level;
and the second display subunit is used for displaying each sorted first financial product on a preset display interface.
The device provided by the embodiment of the invention further comprises:
the first execution unit is used for determining the product type of each second financial product and searching the financial product with the highest user evaluation equivalence corresponding to each product type except each second financial product in the financial product system;
the second execution unit is used for determining the searched financial product with the highest user evaluation equivalence corresponding to each product type except the second financial products as a third financial product and storing each third financial product into the management list;
a fourth generating unit, configured to determine a product risk level and a product income level corresponding to each third financial product, and generate a similar product analysis report corresponding to each product type according to the product risk level and the product income level corresponding to a second financial product of the same product type and the product risk level and the product income level corresponding to the third financial product, where the similar product analysis report includes a product risk level comparison table and a product income level comparison table corresponding to the second financial product and the third financial product of the same product type;
a sending unit, configured to send the similar product analysis report and the product analysis report to the user, determine that the user selects a second financial product and/or a third financial product in the management list according to the similar product analysis report and the product analysis report, and generate an order list for the second financial product and/or the third financial product selected by the user.
The device provided by the embodiment of the invention further comprises:
the evaluation unit is used for determining the experience period corresponding to each second financial product of which the user has completed the transaction; if the purchase time of the second financial product which has finished the transaction reaches the experience period corresponding to the purchase time, sending an evaluation instruction corresponding to the second financial product which has finished the transaction to the user so that the user evaluates the second financial product which has finished the transaction; and receiving evaluation information after the user carries out evaluation operation on the second financing product which has finished the transaction according to the evaluation instruction, and updating the user evaluation grade corresponding to the second financing product which has finished the transaction according to the evaluation information.
The specific working processes of the determining unit 401, the searching unit 402, the displaying unit 403, the storing unit 404, the first generating unit 405, the second generating unit 406, the third generating unit 407 and the receiving unit 408 in the financial product transaction apparatus disclosed in the above embodiment of the present invention may refer to the corresponding contents in the financial product transaction method disclosed in the above embodiment of the present invention, and are not described herein again.
The embodiment of the invention also provides a storage medium which comprises a stored instruction, wherein when the instruction runs, the equipment where the storage medium is located is controlled to execute the financial product transaction method.
An electronic device is provided in an embodiment of the present invention, and the structural diagram of the electronic device is shown in fig. 5, which specifically includes a memory 501 and one or more instructions 502, where the one or more instructions 502 are stored in the memory 501, and are configured to be executed by one or more processors 503 to perform the following operations according to the one or more instructions 502:
when a transaction instruction sent by a user is received, determining financial product transaction parameters corresponding to the transaction instruction;
searching a plurality of first financial products corresponding to the financial product transaction parameters in a preset financial product system;
displaying each first financing product on a preset display interface so that the user can select each first financing product on the display interface;
acquiring each first financial product selected by the user on the display page, storing each first financial product selected by the user into a preset management list, and determining each first financial product in the management list as a second financial product;
determining a product risk grade and a product income grade corresponding to each second financial product, and generating a product analysis report according to the product risk grade and the product income grade corresponding to each second financial product, wherein the product analysis report comprises a product risk grade comparison table and a product income grade comparison table of all second financial products;
sending the product analysis report to the user, determining second financial products selected by the user in the management list according to the product analysis report, and generating an order list corresponding to each second financial product selected by the user;
generating a bill to be paid corresponding to the order list based on the order list, and sending the bill to be paid to the user;
and receiving payment information fed back by the user, and completing the transaction of the order list, wherein the payment information is generated after the user carries out payment operation based on the bill to be paid.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the system or system embodiments are substantially similar to the method embodiments and therefore are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described system and system embodiments are only illustrative, wherein the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A financial product transaction method, comprising:
when a transaction instruction sent by a user is received, determining financial product transaction parameters corresponding to the transaction instruction;
searching a plurality of first financial products corresponding to the financial product transaction parameters in a preset financial product system;
displaying each first financing product on a preset display interface so that the user can select each first financing product on the display interface;
acquiring each first financial product selected by the user on the display page, storing each first financial product selected by the user into a preset management list, and determining each first financial product in the management list as a second financial product;
determining a product risk grade and a product income grade corresponding to each second financial product, and generating a product analysis report according to the product risk grade and the product income grade corresponding to each second financial product, wherein the product analysis report comprises a product risk grade comparison table and a product income grade comparison table of all second financial products;
sending the product analysis report to the user, determining second financial products selected by the user in the management list according to the product analysis report, and generating an order list corresponding to each second financial product selected by the user;
generating a bill to be paid corresponding to the order list based on the order list, and sending the bill to be paid to the user;
and receiving payment information fed back by the user, and completing the transaction of the order list, wherein the payment information is generated after the user carries out payment operation based on the bill to be paid.
2. The method of claim 1, wherein determining financial product transaction information corresponding to a transaction instruction sent by a user when the transaction instruction is received comprises:
acquiring user identity information carried in the transaction instruction;
and acquiring historical transaction information of the user based on the user identity information, and determining financial product transaction parameters corresponding to the transaction instruction according to the historical transaction information.
3. The method of claim 1, wherein said displaying each of said first financial products on a preset display interface comprises:
acquiring product information corresponding to each first financial product, and determining product key information corresponding to each first financial product according to the product information;
and displaying each first financing product on a preset display interface, and displaying product key information corresponding to each first financing product on any side of the first financing product.
4. The method of claim 1, wherein said displaying each of said first financial products on a preset display interface comprises:
acquiring a user evaluation grade corresponding to each first financial product, and sequencing the first financial products from high to low according to the client evaluation grade;
and displaying each sorted first financial product on a preset display interface.
5. The method of claim 1, wherein after generating a product analysis report according to the product risk level and the product income level corresponding to each of the second financial products, further comprising:
determining the product type of each second financial product, and searching the financial products with the highest user evaluation equivalence corresponding to each product type except for each second financial product in the financial product system;
determining the searched financial products with the highest user evaluation equivalence corresponding to each product type except the second financial products as third financial products, and storing the third financial products in the management list;
determining a product risk grade and a product income grade corresponding to each third financing product, and generating a similar product analysis report corresponding to each product type according to the product risk grade and the product income grade corresponding to the second financing product with the same product type and the product risk grade and the product income grade corresponding to the third financing product, wherein the similar product analysis report comprises a product risk grade comparison table and a product income grade comparison table corresponding to the second financing product with the same product type and the third financing product;
and sending the similar product analysis report and the product analysis report to the user, determining a second financial product and/or a third financial product selected by the user in the management list according to the similar product analysis report and the product analysis report, and generating an order list of the second financial product and/or the third financial product selected by the user.
6. The method of claim 1, further comprising:
determining the experience period corresponding to each second financial product of which the user has completed the transaction;
if the purchase time of the second financial product which has finished the transaction reaches the experience period corresponding to the purchase time, sending an evaluation instruction corresponding to the second financial product which has finished the transaction to the user so that the user evaluates the second financial product which has finished the transaction;
and receiving evaluation information after the user carries out evaluation operation on the second financing product which has finished the transaction according to the evaluation instruction, and updating the user evaluation grade corresponding to the second financing product which has finished the transaction according to the evaluation information.
7. A financial product transaction apparatus, comprising:
the system comprises a determining unit, a processing unit and a processing unit, wherein the determining unit is used for determining financial product transaction parameters corresponding to a transaction instruction when the transaction instruction sent by a user is received;
the searching unit is used for searching a plurality of first financial products corresponding to the trading parameters of the financial products in a preset financial product system;
the display unit is used for displaying each first financial product on a preset display interface so that the user can select each first financial product on the display interface;
the saving unit is used for acquiring each first financial product selected by the user on the display page, saving each first financial product selected by the user into a preset management list, and determining each first financial product in the management list as a second financial product;
the first generation unit is used for determining the product risk level and the product income level corresponding to each second financial product and generating a product analysis report according to the product risk level and the product income level corresponding to each second financial product, wherein the product analysis report comprises a product risk level comparison table and a product income level comparison table of all the second financial products;
a second generating unit, configured to send the product analysis report to the user, determine a second financial product selected by the user in the management list according to the product analysis report, and generate an order list corresponding to each second financial product selected by the user;
a third generating unit, configured to generate a bill to be paid corresponding to the order list based on the order list, and send the bill to be paid to the user;
and the receiving unit is used for receiving payment information fed back by the user and completing the transaction of the order list, wherein the payment information is generated after the user carries out payment operation based on the bill to be paid.
8. The apparatus of claim 7, wherein the determining unit comprises:
the first acquisition subunit is used for acquiring the user identity information carried in the transaction instruction;
and the determining subunit is used for acquiring historical transaction information of the user based on the user identity information, and determining financial product transaction parameters corresponding to the transaction instruction according to the historical transaction information.
9. The apparatus of claim 7, wherein the display unit comprises:
the second acquisition subunit is used for acquiring product information corresponding to each first financial product and determining product key information corresponding to each first financial product according to each product information;
and the first display subunit is used for displaying each first financing product on a preset display interface and displaying the corresponding product key information on any side of each first financing product.
10. The apparatus of claim 7, wherein the display unit comprises:
the third acquisition subunit is used for acquiring the user evaluation level corresponding to each first financial product and sequencing each first financial product from high to low according to the client evaluation level;
and the second display subunit is used for displaying each sorted first financial product on a preset display interface.
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