CN111402056A - Financial product transaction method, device, equipment and storage medium - Google Patents
Financial product transaction method, device, equipment and storage medium Download PDFInfo
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Abstract
The embodiment of the invention discloses a financial product transaction method, a financial product transaction device, financial product transaction equipment and a financial product transaction storage medium. The method comprises the following steps: determining a simulated transaction result according to a transaction request of a user, wherein the account amount of the user is unchanged; and displaying the simulated transaction result. The technical scheme allows the user to trade in a simulated trading mode, and the account amount of the user is kept unchanged in the simulated trading process, so that the user does not need to bear risks, the trading experience of the user is improved, and meanwhile, the trading result is displayed to the user, so that the user can visually know the trading process.
Description
Technical Field
The embodiment of the invention relates to the technical field of finance, in particular to a financial product transaction method, a financial product transaction device, financial product transaction equipment and a financial product transaction storage medium.
Background
With the development of economy, the living standard of people is higher and higher. Many users begin to purchase a certain number of financial products from which to obtain profits by trading the financial products. The existing transaction process is limited by the economic strength of the user, the user is required to master certain operation rules, the user is required to bear certain risks, and the transaction experience is poor.
Disclosure of Invention
The embodiment of the invention provides a financial product transaction method, a financial product transaction device and a financial product transaction storage medium, which can improve the transaction experience of a user while the user does not need to bear risks.
In a first aspect, an embodiment of the present invention provides a method for trading a financial product, including:
determining a simulated transaction result according to a transaction request of a user, wherein the account amount of the user is unchanged;
and displaying the simulated transaction result.
Optionally, the transaction request includes a simulated transaction request, account information and product information of the financial product to be transacted;
the determining of the simulated transaction result according to the transaction request of the user comprises:
creating a virtual account of the user according to the simulated transaction request;
determining a simulated transaction result through the virtual account.
Optionally, the determining a simulated transaction result through the virtual account includes:
determining a transaction deposit of the financial product to be transacted according to the product information;
when the account amount corresponding to the account information is smaller than the transaction deposit, recharging the transaction deposit to a deposit account through the virtual account;
and returning a response result of ensuring that the money is successfully recharged to the user so as to allow the user to trade the financial product to be traded.
Optionally, the determining a simulated transaction result through the virtual account includes:
determining the profit and loss result of the financial product to be traded currently held by the user transaction according to the product information and the current quotation of the financial product to be traded;
when the profit and loss result is loss, deducting loss amount from a deposit account of the user, and returning the rest transaction deposit to the virtual account, wherein the deposit account is used for storing transaction deposit;
and when the profit and loss result is profit, transferring the profit amount and the transaction deposit to the virtual account.
In a second aspect, an embodiment of the present invention further provides a transaction apparatus for a financial product, including:
the result determining module is used for determining a simulated transaction result according to a transaction request of a user, and the account amount of the user is unchanged;
and the display module is used for displaying the simulated transaction result.
Optionally, the transaction request includes a simulated transaction request, account information and product information of the financial product to be transacted;
the result determination module includes:
the virtual account creating unit is used for creating a virtual account of the user according to the simulated transaction request;
and the result determining unit is used for determining a simulated transaction result through the virtual account.
Optionally, the result determining unit is specifically configured to:
determining a transaction deposit of the financial product to be transacted according to the product information;
when the account amount corresponding to the account information is smaller than the transaction deposit, recharging the transaction deposit to a deposit account through the virtual account;
and returning a response result of ensuring that the money is successfully recharged to the user so as to allow the user to trade the financial product to be traded.
Optionally, the result determining unit is specifically configured to:
determining the profit and loss result of the financial product to be traded currently held by the user transaction according to the product information and the current quotation of the financial product to be traded;
when the profit and loss result is loss, deducting loss amount from a deposit account of the user, and returning the rest transaction deposit to the virtual account, wherein the deposit account is used for storing transaction deposit;
and when the profit and loss result is profit, transferring the profit amount and the transaction deposit to the virtual account.
In a third aspect, an embodiment of the present invention further provides an apparatus, including:
one or more processors;
a memory for storing one or more programs;
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement a method of trading for financial products as described in the first aspect.
In a fourth aspect, the present invention further provides a storage medium having a computer program stored thereon, wherein the computer program is used for implementing the method for trading a financial product according to the first aspect when the computer program is executed by a processor.
The embodiment of the invention provides a transaction method, a device, equipment and a storage medium of a financial product, wherein a simulated transaction result is determined according to a transaction request of a user, and the account amount of the user is unchanged; and displaying the simulated transaction result. The technical scheme allows the user to trade in a simulated trading mode, and the account amount of the user is kept unchanged in the simulated trading process, so that the user does not need to bear risks, the trading experience of the user is improved, and meanwhile, the trading result is displayed to the user, so that the user can visually know the trading process.
Drawings
FIG. 1 is a flow chart illustrating a method for trading a financial product according to an embodiment of the present invention;
FIG. 2 is a block diagram of a transaction system for financial products according to an embodiment of the present invention;
FIG. 3 is a block diagram of a transaction apparatus for financial products according to a second embodiment of the present invention;
fig. 4 is a structural diagram of an apparatus according to a third embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some of the structures related to the present invention are shown in the drawings, not all of the structures. In addition, the embodiments and features of the embodiments in the present invention may be combined with each other without conflict.
The traditional transaction mode is through real-disk transaction, namely only products with the same economic strength are allowed to be traded on the basis of the economic strength of a trader, and risks generated by the transaction need to be actually borne by the trader, for example, real deduction amount needs to be carried out from the account of the trader in case of loss, and real profit is injected into the account of the trader in case of profit. This way of trading has a large impact on the trader. Therefore, the scheme is improved to a certain extent, the defects of real disk transaction are improved, the transaction experience of a trader is improved, and meanwhile the trader is not required to bear risks.
Example one
Fig. 1 is a flowchart of a transaction method for financial products according to an embodiment of the present invention, which is applicable to a situation of simulating transaction of financial products, and by simulating transaction, transaction experience of a user is improved while the user does not need to undertake transaction risks. The method may be performed by a transaction apparatus for financial products, which may be implemented in software and/or hardware and is generally integrated in a server, a terminal, and the like, and referring to fig. 1, the method may specifically include the following steps:
s110, determining a simulated transaction result according to the transaction request of the user, wherein the account amount of the user is unchanged.
The transaction request may be considered as information that the user requests to trade a certain product, and optionally, the transaction request includes a transaction type, product information of the financial product to be traded, user information, and the like, the transaction type may include buy or sell, and the like, the product information of the financial product to be traded may include a product identifier that uniquely identifies the financial product to be traded, a product name, a buy or sell number, and the like, and the user information may include information of the name, gender, age, contact manner, identification number, and the like of the user. The financial product to be traded is a financial product to be bought or sold, and may be an account commodity, for example. The account commodities comprise account energy, account basic metal, account agricultural products and the like. The account energy comprises account crude oil WTI, account crude oil Brent and the like, the account basic metal comprises account copper and the like, and the account agricultural products comprise account soybean and the like. The financial product to be traded in this embodiment takes account commodity as an example, and the specific type of the account commodity is not limited.
Before the user deals, a part of the account amount needs to be transferred to the deposit account to be used as a transaction deposit so as to ensure that the user can bear the loss which may occur in the financial product transaction. The embodiment does not limit the specific form of the transaction deposit, and may be, for example, RMB or USD. In the traditional real-disk transaction, when the account amount of a user is insufficient, the user is not allowed to perform transaction on financial products with transaction guarantee money higher than the account amount, so that the transaction behaviors of a part of users are limited. For this reason, the present embodiment employs a simulated transaction mode to enable the user to perform transactions on any financial product. The simulated transaction can be regarded as a simulated real disk transaction and can be carried out through a channel such as an internet bank or a mobile phone bank, but the simulated transaction is not limited by the economic strength of a user and does not need the risk of loss of the user.
Optionally, when it is determined that the user selects the simulated transaction mode and it is determined that the account amount of the user is not enough to bear the loss generated by the transaction, a virtual account may be created for the user according to the user information of the user, and a corresponding amount of virtual amount is injected into the deposit account through the virtual account to allow the user to perform the transaction, and the profit or the loss generated in the transaction process is related to the virtual account and unrelated to the real account of the user, so that the account amount of the real account is guaranteed to be unchanged, and the user does not need to bear the transaction risk.
And S120, displaying the simulated transaction result.
In order to make the user know the process of the simulated transaction and the difference between the simulated transaction and the real disk transaction, the embodiment displays the simulated transaction result, wherein the simulated transaction result may be the result corresponding to the start, the intermediate process and the end of the simulated transaction. For example, when the account amount is insufficient, the information of the current account amount, the transaction deposit required by the transaction of the financial product, the allowable user transaction and the like can be displayed to the user as a simulated transaction result, so that the user can know the difference between the simulated transaction and the real disk transaction, and the transaction experience is improved. For another example, the profit or loss of the transaction may be displayed to the user as a simulated transaction result, so that the user can visually know the profit or loss of the financial product. The embodiment does not limit the specific display manner, and for example, the display manner may be at least one of a voice, a text, or a curve diagram.
The embodiment of the invention provides a transaction method of financial products, which comprises the steps of determining a simulated transaction result according to a transaction request of a user, wherein the account amount of the user is unchanged; and displaying the simulated transaction result. The method allows the user to trade in a simulated trading mode, and the account amount of the user is kept unchanged in the simulated trading process, so that the user does not need to bear risks, the trading experience of the user is improved, and meanwhile, the trading result is displayed to the user, so that the user can visually know the trading process.
On the basis of the above embodiment, optionally, the transaction request includes the simulated transaction request, the account information and the product information of the financial product to be transacted.
The account information may include a user name, password, and bank card number of the user. The product information of the financial product to be traded may include a trade type, a product name, a product number, a cost price, a trade amount, and the like of the financial product to be traded. The transaction mode of the user can be determined to be simulated transaction through the simulated transaction request, the account amount of the user can be determined through the account information, and the transaction deposit corresponding to the financial product to be transacted can be determined through the product information of the financial product to be transacted.
In order to satisfy the transaction request of the user without affecting the account amount of the user, in this embodiment, a corresponding virtual account of the user is created according to the simulated transaction request, and a simulated transaction result is determined through the virtual account. The virtual account can charge the virtual transaction deposit into the deposit account when the amount of money of the real account is insufficient, so as to allow the user to carry out transaction. The virtual account can not only return the result of the transaction deposit recharge to the user when the account amount of the user is insufficient to indicate that the user can carry out the simulated transaction, but also feed back the result of profit or loss to the user when the transaction is finished.
Specifically, the determining a simulated transaction result through the virtual account includes:
determining a transaction deposit of the financial product to be transacted according to the product information;
when the account amount corresponding to the account information is smaller than the transaction deposit, recharging the transaction deposit to a deposit account through the virtual account;
and returning a response result of ensuring that the money is successfully recharged to the user so as to allow the user to trade the financial product to be traded.
The loss generated in the transaction of different types of financial products is different, and the corresponding transaction deposit is also different, and under the normal condition, the transaction deposit is the available deposit with a set ratio. The user's funds for the opening of a warehouse, which may be considered a new purchase or sale of a certain number of futures contracts by the user, may be covered with a margin. The specific ratio may be set according to the financial product. In a traditional transaction, when the account amount of a user is less than the required transaction deposit, the transaction behavior of the user is limited. According to the scheme, when the account amount is smaller than the transaction deposit, the transaction deposit is charged to the deposit account through the virtual account, a response result of successful charge of the deposit is fed back to the user, and the user can trade the product with the amount to be traded after receiving the response result. When the account amount is larger than or equal to the transaction deposit, a response result of successful recharging of the transaction deposit can be directly returned to the user, the user is allowed to carry out transaction, and the actual account amount of the user is kept unchanged.
Specifically, the determining a simulated transaction result through the virtual account may further include:
determining the profit and loss result of the financial product to be traded currently held by the user transaction according to the product information and the current quotation of the financial product to be traded;
when the profit and loss result is loss, deducting loss amount from a deposit account of the user, and returning the rest transaction deposit to the virtual account, wherein the deposit account is used for storing transaction deposit;
and when the profit and loss result is profit, transferring the profit amount and the transaction deposit to the virtual account.
After the user is allowed to trade, the profit or loss generated by the trade is only related to the virtual account and is not related to the real account of the user. Specifically, after the user is allowed to trade, profit or loss can be determined according to the trading quantity, the cost price and the current price of the financial product to be traded. When the profit is made, the profit amount and the transaction deposit can be returned to the virtual account, and the profit result is fed back to the user; and when loss occurs, deducting corresponding loss amount from the transaction deposit, returning the rest transaction deposit to the virtual account, and simultaneously feeding back a loss result and the loss amount to the user. The determination frequency of the profit-and-loss result is not limited by the embodiment, and for example, the profit-and-loss result may be calculated by refreshing the current price at 14 pm every day. When the ratio corresponding to the transaction deposit is abnormal, namely higher than the set ratio threshold value, the current quoted price can be refreshed in real time, and the profit and loss result is calculated.
Fig. 2 is a block diagram of a transaction system for financial products according to an embodiment of the present invention, through which a simulation transaction process is briefly described.
Specifically, the system comprises a user side 1, a management terminal 2 and a background server 3, wherein the user side 1 is in communication connection with the management terminal 2, the management terminal 2 is also in communication connection with the background server 3 in real disk transaction, and capital inflow or outflow is realized through interaction with the background server 3. The user end 1 can be an intelligent terminal such as a mobile phone and a computer. The management terminal 2 may be a terminal that carries out transactions, such as a terminal of a bank or a server. The background server 3 may be a head office for the transaction. The dotted line between the management terminal 2 and the background server 3 in fig. 2 indicates that the management terminal 2 and the background server 3 do not perform information interaction, that is, do not perform actual fund exchange, in the process of the simulated transaction.
After receiving the transaction request sent by the user side 1, the management terminal 2 creates a virtual account for the user based on the transaction request, and when the account amount of the user is less than the transaction deposit, the virtual account is used for recharging the deposit account, and a successful result of the deposit recharging is returned to the user side 1, so that the user is allowed to carry out the transaction through the user side 1. And after the user is allowed to trade, performing profit and loss estimation according to the product information of the financial product to be traded and the current quotation, transferring the profit amount to the virtual account when the profit and loss estimation result is profit, and deducting the loss amount from the deposit account when the profit and loss estimation result is loss, namely the profit or loss generated by the trade is irrelevant to the real account of the user, thereby ensuring that the account amount is not changed. Other transaction processes are similar to real disk transactions. Through the system, the user can trade any financial product without bearing risks generated by the trade, and the trade experience is improved. The system can trade financial products and can also trade non-financial products, for example, for signing and releasing trade, the management terminal 2 always returns successful signing or releasing to the user terminal 1, and the state of other accounts of the user is not influenced.
Example two
Fig. 3 is a structural diagram of a transaction apparatus for financial products according to a second embodiment of the present invention, where the apparatus can be adapted to simulate a situation of transacting financial products, and by simulating a transaction, the transaction experience of a user is improved while the user does not need to bear transaction risks. Referring to fig. 3, the apparatus may include:
a result determining module 210, configured to determine a simulated transaction result according to a transaction request of a user, where an account amount of the user is unchanged;
and a display module 220 for displaying the simulated transaction result.
The second embodiment of the invention provides a transaction device of financial products, which determines a simulated transaction result through a result determining module according to a transaction request of a user, wherein the account amount of the user is unchanged; and displaying the simulated transaction result through a display module. The device allows a user to trade in a simulated trading mode, and the account amount of the user is kept unchanged in the simulated trading process, so that the user does not need to bear risks, the trading experience of the user is improved, and meanwhile, a trading result is displayed to the user, and the user can visually know the trading process.
On the basis of the above embodiment, the transaction request includes the simulated transaction request, the account information and the product information of the financial product to be transacted.
On the basis of the above embodiment, the result determining module 210 includes:
the virtual account creating unit is used for creating a virtual account of the user according to the simulated transaction request;
and the result determining unit is used for determining a simulated transaction result through the virtual account.
On the basis of the foregoing embodiment, the result determining unit is specifically configured to:
determining a transaction deposit of the financial product to be transacted according to the product information;
when the account amount corresponding to the account information is smaller than the transaction deposit, recharging the transaction deposit to a deposit account through the virtual account;
and returning a response result of ensuring that the money is successfully recharged to the user so as to allow the user to trade the financial product to be traded.
On the basis of the foregoing embodiment, the result determining unit is specifically configured to:
determining the profit and loss result of the financial product to be traded currently held by the user transaction according to the product information and the current quotation of the financial product to be traded;
when the profit and loss result is loss, deducting loss amount from a deposit account of the user, and returning the rest transaction deposit to the virtual account, wherein the deposit account is used for storing transaction deposit;
and when the profit and loss result is profit, transferring the profit amount and the transaction deposit to the virtual account.
The financial product transaction device provided by the embodiment of the invention can execute the financial product transaction method provided by the embodiment of the invention, and has corresponding functional modules and beneficial effects of the execution method.
EXAMPLE III
Fig. 4 is a structural diagram of an apparatus according to a third embodiment of the present invention, where the apparatus includes: the device comprises a processor 310, a memory 320, an input device 330 and an output device 340, wherein the number of the processor 310 in the device can be one or more, one processor 310 is taken as an example in fig. 4, the processor 310, the memory 320, the input device 330 and the output device 340 in the device can be connected through a bus or in other ways, and the connection through the bus is taken as an example in fig. 4.
The memory 320 serves as a computer-readable storage medium for storing software programs, computer-executable programs, and modules, such as program instructions/modules corresponding to a transaction method of a financial product in an embodiment of the present invention. The processor 310 performs various functional applications of the device and data processing, i.e., implements the transaction method of the financial product of the above-described embodiment, by executing software programs, instructions, and modules stored in the memory 320.
The memory 320 mainly includes a program storage area and a data storage area, wherein the program storage area can store an operating system and an application program required by at least one function; the storage data area may store data created according to the use of the terminal, and the like. Further, the memory 320 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, the memory 320 may further include memory located remotely from the processor 310, which may be connected to the device over a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The input device 330 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function controls of the apparatus. The output device 340 may include a display device such as a display screen, and an audio device such as a speaker and a buzzer.
The device provided by the embodiment of the invention belongs to the same concept as the financial product transaction method provided by the embodiment, the technical details which are not described in detail in the embodiment can be referred to the embodiment, and the embodiment has the same beneficial effects of executing the financial product transaction method.
Example four
Embodiments of the present invention also provide a storage medium having a computer program stored thereon, where the computer program is executed by a processor to implement a method for trading a financial product according to the above-described embodiments of the present invention.
Of course, the storage medium provided by the embodiment of the present invention contains computer-executable instructions, and the computer-executable instructions are not limited to the operations in the financial product transaction method described above, and may also perform related operations in the financial product transaction method provided by the embodiment of the present invention, and have corresponding functions and advantages.
Based on the understanding that the technical solution of the present invention or portions thereof contributing to the prior art can be essentially embodied in the form of a software product, which can be stored in a computer-readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a flash Memory (F L ASH), a hard disk or an optical disk, etc., and includes instructions for enabling a computer device (which can be a robot, a personal computer, a server, or a network device, etc.) to execute the transaction method of the financial product according to the above-mentioned embodiment of the present invention.
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (10)
1. A method of trading a financial product, comprising:
determining a simulated transaction result according to a transaction request of a user, wherein the account amount of the user is unchanged;
and displaying the simulated transaction result.
2. The method of claim 1, wherein the transaction request includes a simulated transaction request, account information, and product information for a financial product to be transacted;
the determining of the simulated transaction result according to the transaction request of the user comprises:
creating a virtual account of the user according to the simulated transaction request;
determining a simulated transaction result through the virtual account.
3. The method of claim 2, wherein said determining a simulated transaction result from said virtual account comprises:
determining a transaction deposit of the financial product to be transacted according to the product information;
when the account amount corresponding to the account information is smaller than the transaction deposit, recharging the transaction deposit to a deposit account through the virtual account;
and returning a response result of ensuring that the money is successfully recharged to the user so as to allow the user to trade the financial product to be traded.
4. The method of claim 2, wherein said determining a simulated transaction result from said virtual account comprises:
determining the profit and loss result of the financial product to be traded currently held by the user transaction according to the product information and the current quotation of the financial product to be traded;
when the profit and loss result is loss, deducting loss amount from a deposit account of the user, and returning the rest transaction deposit to the virtual account, wherein the deposit account is used for storing transaction deposit;
and when the profit and loss result is profit, transferring the profit amount and the transaction deposit to the virtual account.
5. An apparatus for trading a financial product, comprising:
the result determining module is used for determining a simulated transaction result according to a transaction request of a user, and the account amount of the user is unchanged;
and the display module is used for displaying the simulated transaction result.
6. The apparatus of claim 5, wherein the transaction request includes a simulated transaction request, account information, and product information of a financial product to be transacted;
the result determination module includes:
the virtual account creating unit is used for creating a virtual account of the user according to the simulated transaction request;
and the result determining unit is used for determining a simulated transaction result through the virtual account.
7. The apparatus according to claim 6, wherein the result determining unit is specifically configured to:
determining a transaction deposit of the financial product to be transacted according to the product information;
when the account amount corresponding to the account information is smaller than the transaction deposit, recharging the transaction deposit to a deposit account through the virtual account;
and returning a response result of ensuring that the money is successfully recharged to the user so as to allow the user to trade the financial product to be traded.
8. The apparatus according to claim 6, wherein the result determining unit is specifically configured to:
determining the profit and loss result of the financial product to be traded currently held by the user transaction according to the product information and the current quotation of the financial product to be traded;
when the profit and loss result is loss, deducting loss amount from a deposit account of the user, and returning the rest transaction deposit to the virtual account, wherein the deposit account is used for storing transaction deposit;
and when the profit and loss result is profit, transferring the profit amount and the transaction deposit to the virtual account.
9. An apparatus, comprising:
one or more processors;
a memory for storing one or more programs;
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement a method of trading for financial products as recited in any one of claims 1-4.
10. A storage medium on which a computer program is stored, the program, when executed by a processor, implementing a method of trading for a financial product as claimed in any one of claims 1 to 4.
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