CN116739580A - New stock label transfer method, device and storage medium - Google Patents
New stock label transfer method, device and storage medium Download PDFInfo
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Abstract
The application provides a method, a device and a storage medium for transferring new in-stock labels. According to the method, under the condition that the balance of the security account of the user is insufficient to pay the total payment amount, different payment modes are determined, wherein the payment modes comprise bank card payment or combined payment so as to adapt to more scenes, the user does not pay the full amount in a preset time period before the payment time limit expires, funds transferred into the security account are transferred from the bank card to the security account through bank account information and used for payment of the new share, and the embodiment of the application can effectively display data, is efficient, convenient and friendly in operation flow interface and payment mode, is more beneficial to saving the time of a client, improves the client efficiency, and also effectively improves the intelligence and the comprehensiveness of a server on a server side.
Description
Technical Field
The application relates to the technical field of financial data processing, in particular to a method, a device and a storage medium for transferring new stock notes.
Background
In the current stock finance field, the price is low when a new stock is on the market, so that a great number of investors buy stocks before issuing the stocks, and then the investors buy successfully through the lottery of the stock market, namely the new stock is signed. The investor can pay in the securities account after signing the securities account, and can hold the securities signed by the investor after successful payment.
The current industry is to pay funds based on the balance of a customer account in a transaction time period, and stock purchase of a medium sign is time-efficient, when a user receives a medium sign notice, if the user currently belongs to a non-transaction time period, an investor needs to wait for the next transaction time period to initiate payment, when the balance of the customer is insufficient and cannot pay, the user needs to transfer to a silver certificate to transfer account first, and then wait for the account to transfer account to continue payment, so that the investor needs to supplement the balance in the financial account in a time period which can be traded by both banks and financial accounts.
The flow of such new stock is very cumbersome and very time consuming for the investor.
Disclosure of Invention
The application provides a method, a device and a storage medium for transferring new in-stock notes, which can save time of investors.
In a first aspect, the present application provides a method for transferring a new stock of money, the method being applied to a server, the method comprising:
receiving a transfer authorization message sent by a user to start a reservation payment function, wherein the reservation payment function refers to a function of executing transfer and payment operations by a server within a payment time limit under the condition that the user signs in a new stock;
Determining that a new strand is signed in the user;
determining the total payment amount of the new strand;
determining whether the security account balance is sufficient to pay the total payment amount according to the total payment amount and the security account balance of the user;
determining a payment mode of the new stock under the condition that the balance of the security account is insufficient to pay the total payment amount, wherein the payment mode comprises bank card payment or combined payment;
if the determined payment mode is bank card payment, acquiring bank account information corresponding to the user, wherein the bank account information comprises a bank name, a bank card account number and a bank card password;
and if the user does not pay the amount of money in the preset time period before the payment time limit expires, transferring money from the bank card to the security account through the bank account information, and transferring funds of the security account for payment of the new strand.
After receiving the user information of the center sign of the exchange, the server can inform the user of the user information of the center sign to the client through the short message center and the message informing center. After receiving the short message, the client firstly passes through the authentication through the fund number and the password, logs in the account system, clicks the middle sign inquiry, then performs data synchronous interaction with the server transaction system through Ajax, and provides the middle sign result and payment information for the HTML5 display, wherein the Ajax is asynchronous JavaScript and XML technology. After the client clicks to pay, inquiring a database to maintain the bank card information and the corresponding account information of the terminal client. After interaction with the bank system, the information required by the deduction is pushed to the Unionpay deduction end, and the bank card password is input at the deduction end to finish the payment of the new payment by signing in the bank. And after the payment, the system displays detailed information of the payment result, the payment is successfully clicked to withdraw, and after the payment is failed, a payment button can be clicked again to pay. The method is beneficial to saving the time of the client and improving the efficiency of the client by effectively displaying the data, and has the advantages of high efficiency, convenience, friendly operation flow interface and payment mode, and the intelligence and the comprehensiveness of the server are also effectively improved at the server side.
In an optional implementation manner of the first aspect, the acquiring bank account information corresponding to the user includes:
sending a request message to the user to request the user to send bank account information;
and receiving a response message sent by the user, wherein the response message comprises bank account information.
In an optional implementation manner of the first aspect, the acquiring bank account information corresponding to the user includes:
matching whether the user is a institutional user or not through a Knuth-Morris-Pratt algorithm; the Knuth-Morris-Pratt algorithm is an improved character string matching algorithm;
if the user is a institutional user, resending a confirmation message of transfer authorization to confirm whether the user needs to start a reservation payment function again;
and under the condition that the user is not a institutional user, acquiring the bank account information of the user from a preset database through a Knuth-Morris-Pratt algorithm.
In an optional implementation manner of the first aspect, before the transferring the money from the bank card to the security account through the bank account information if the user has not paid a full amount within a preset time period before the expiration of the payment time period, the method further includes:
Determining the average transfer duration of the bank corresponding to the bank account information;
evaluating the payment duration of the user according to historical information, wherein the historical information comprises historical payment duration, and the payment duration is the time length from the initiation of the action of purchasing a new stock to the completion of purchasing;
and determining a preset time period according to the average transfer duration and the payment duration.
In an optional implementation manner of the first aspect, after determining the payment manner of the user, in a case where the balance of the security account of the user is insufficient for payment, the method further includes:
if the determined payment mode is combined payment, determining a target balance according to the balance of the security account and the total payment amount;
acquiring bank account information corresponding to the user;
if the user does not pay the amount of money in a preset time period before the payment time limit expires, transferring money from the bank card to the security account through the bank account information so as to complement the target balance in the security account;
and purchasing the new strand through the current security account balance of the user.
In an optional implementation manner of the first aspect, the transferring from the bank card to the security account through the bank account information includes:
Determining a balance of each of a plurality of bank accounts corresponding to the bank account information;
sending request information to the user to request the user to determine a target bank account needing to be transferred from the plurality of bank accounts;
receiving a response message returned by the user in a target period, wherein the response message comprises a target bank account which needs to be transferred in the plurality of bank accounts selected by the user;
transferring the target balance from the target bank account to the security account according to the response message;
if the response message returned by the user is not received in the target period, determining the bank account which carries out the transfer action last time in the plurality of bank accounts as a target bank account, and transferring the target balance to the security account according to the target bank account.
In an optional implementation manner of the first aspect, after the transferring from the bank card to the security account through the bank account information, the method further includes:
under the condition that the new stock purchase is determined to be completed, a transaction success message is sent to the user, wherein the transaction success message comprises a total payment amount, a current securities account balance and a bank account transfer amount;
And under the condition that the new stock purchase fails, sending a trade failure message to the user, wherein the trade failure message comprises the total payment amount, the current security account balance and the difference between the total payment amount and the current security account balance.
In a second aspect, the present application provides a transfer apparatus for a new stock of notes, the apparatus including at least a receiving unit, a first determining unit, a second determining unit, a third determining unit, a fourth determining unit, a first acquiring unit, and a first transfer unit. The transfer device for new stock is used for implementing the method described in any embodiment of the first aspect, wherein the receiving unit, the first determining unit, the second determining unit, the third determining unit, the fourth determining unit, the first obtaining unit and the first transfer unit are described as follows:
the system comprises a receiving unit, a server and a reservation payment unit, wherein the receiving unit is used for receiving a transfer authorization message sent by a user so as to start a reservation payment function, and the reservation payment function is a function of executing transfer and payment operation by the server within a payment time limit under the condition that the user signs in a new stock;
a first determining unit, configured to determine that a new strand is signed in the user;
the second determining unit is used for determining the total payment amount of the new strand;
A third determining unit, configured to determine, according to the total payment amount and a security account balance of the user, whether the security account balance is sufficient to pay the total payment amount;
a fourth determining unit, configured to determine a payment manner of the new share, where the payment manner includes bank card payment or combined payment, under a condition that the balance of the security account is insufficient to pay the total payment amount;
the first acquisition unit is used for acquiring bank account information corresponding to the user if the determined payment mode is bank card payment, wherein the bank account information comprises a bank name, a bank card account number and a bank card password;
and the first transfer unit is used for transferring money from the bank card to the security account through the bank account information if the user does not pay the amount of money in a preset time period before the payment time limit expires, and transferring funds of the security account for paying the new stock.
After receiving the user information of the center sign of the exchange, the server can inform the user of the user information of the center sign to the client through the short message center and the message informing center. After receiving the short message, the client firstly passes through the authentication through the fund number and the password, clicks the center sign inquiry after logging in the account system, and then performs data synchronous interaction with the server transaction system through Ajax, and provides the center sign result and payment information for H5 display. And after the client clicks to pay, inquiring the database to maintain the bank card information and the corresponding account information of the terminal client. After interaction with the bank system, the information required by the deduction is pushed to the Unionpay deduction end, and the bank card password is input at the deduction end to finish the payment of the new payment by signing in the bank. And after the payment, the system displays detailed information of the payment result, the payment is successfully clicked to withdraw, and after the payment is failed, a payment button can be clicked again to pay. The method is beneficial to saving the time of the client and improving the efficiency of the client by effectively displaying the data, and has the advantages of high efficiency, convenience, friendly operation flow interface and payment mode, and the intelligence and the comprehensiveness of the server are also effectively improved at the server side.
In a third aspect, the present application provides a server comprising a processor, a memory, and a communication interface; a memory having a computer program stored therein; the communication interface is for transmitting and/or receiving data when the processor executes a computer program, the server being operable to perform the method as described in the first aspect or any of the possible implementations of the first aspect.
In a fourth aspect, the present application provides a computer readable storage medium having stored thereon a computer program which, when executed on at least one processor, implements the method described in the first aspect or any of the alternatives of the first aspect.
In a fifth aspect, the present application provides a computer program product comprising a computer program for implementing the method of the first aspect or any of the alternatives of the first aspect, when said program is run on at least one processor.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required in the description of the embodiments or the prior art are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
The drawings that are used in the description of the embodiments will be briefly described below.
FIG. 1 is a schematic diagram of the architecture of a new mid-stream sign-on transfer system according to an embodiment of the present application;
FIG. 2 is a schematic flow chart of a method for transferring a new mid-stream sign according to an embodiment of the present application;
fig. 3 is a flow chart of a bank account judging method according to an embodiment of the present application;
FIG. 4 is a schematic diagram of a transfer device for new mid-stream labels according to an embodiment of the present application;
fig. 5 is a schematic structural diagram of a server according to an embodiment of the present application.
Detailed Description
Embodiments of the present application will be described in detail below with reference to the accompanying drawings.
The terms "first," "second," "third," and "fourth" and the like in the description and in the claims and drawings are used for distinguishing between different objects and not necessarily for describing a particular sequential or chronological order. Furthermore, the terms "comprise" and "have," as well as any variations thereof, are intended to cover a non-exclusive inclusion. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those listed steps or elements but may include other steps or elements not listed or inherent to such process, method, article, or apparatus.
The following describes a system architecture to which the embodiments of the present application are applied. It should be noted that, the system architecture and the service scenario described in the present application are for more clearly describing the technical solution of the present application, and do not constitute a limitation on the technical solution provided by the present application, and those skilled in the art can know that, with the evolution of the system architecture and the appearance of the new service scenario, the technical solution provided by the present application is applicable to similar technical problems.
Referring to fig. 1, fig. 1 is a schematic diagram of an architecture of a new in-stock transfer system according to an embodiment of the present application, where the system includes a user terminal 101 and a server 102, and the method includes:
the user terminal 101 may be one physical entity or two or more physical entities, and may be, for example, a mobile phone, a smart watch, a computer, a mobile computer, an industrial control computer, or the like.
The user may interact with the server 102 through the user terminal 101 in a plurality of ways, for example, through a short message, through a message center of a securities system, etc., and further, the user may access the H5 page/APP associated with the server 102 through the user terminal 101. On the H5 page/APP, the user inputs the fund number and the password, and can perform securities finance related operation.
The server 102 may be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, or a cloud server providing cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDNs, basic cloud computing services such as big data and artificial intelligence platforms.
In the embodiment of the present application, the server 102 is a background server of a securities financial system, the server 102 may interact with a system at a bank side to complete a transfer operation, and the server 102 may also interact with a system at a securities exchange side to perform an operation of paying and purchasing a new stock.
Optionally, one or more databases are preset in the server 102, where security account information of each user is stored in the one or more databases, and optionally, the one or more databases are disposed outside the server 102.
In the current stock finance field, the price is low when a new stock is on the market, so that a great number of investors buy stocks before issuing the stocks, and then the investors buy successfully through the lottery of the stock market, namely the new stock is signed.
In the scene of signing in the new strand, various problems exist when the user pays for buying the new strand, and the specific steps are as follows:
(a) When the user receives the medium sign reminding, the user cannot immediately execute the payment action and needs to wait for the next day of transaction time period to pay, so that the reminding and payment action is split;
(b) The buying period after signing in the new strand is shorter, generally only one to two days, and if missing, the new strand cannot be purchased;
(c) If the balance of the user's security account is insufficient, the user is required to transfer money from the bank account to the security account, and the transfer needs to wait for a bank card transaction time period;
(d) The method cannot detect whether the client security account number is enough to purchase a new stock in advance, and the user knows the new stock until the last step of payment;
(e) When a user enters a bank account to transfer accounts, the user needs to manually operate, and the user needs to automatically calculate the transfer amount, so that the operation cost of the user is increased;
(f) After the transfer, the user needs to wait for the successful transfer and then continue to pay, meanwhile, the transfer result cannot be perceived, and the user needs to actively refresh account balance information to perceive whether account is reached.
In view of the foregoing, an embodiment of the present application provides a new-strand pick-up transfer method, referring to fig. 2 specifically, fig. 2 is a flow chart of a new-strand pick-up transfer method provided in the embodiment of the present application, where the new-strand pick-up transfer method may be implemented based on a server in a system architecture diagram shown in fig. 1, but may also be implemented based on other architectures, and the method includes, but is not limited to, the following steps:
Step S201: and receiving a transfer authorization message sent by the user so as to start the reservation payment function.
The reservation payment function refers to a function of executing transfer and payment operations by a server within a payment time limit under the condition that the user signs in a new stock. The transfer refers to the transfer from a bank account to a security account, and the payment refers to the purchase of a new share through the balance of the security account.
In the embodiment of the application, the transfer authorization message is sent by the terminal of the user before signing in the new strand of the user, and in other embodiments, the transfer authorization message can be sent by the user who signs in the new strand of the user after signing in the new strand of the user.
Step S202: determining that a new strand is signed in by the user.
Since there is a buying link when a new stock is released, a user with a demand applies for in a stock financial system in the buying link, if the application is successful, the user with a middle sign corresponds to a new stock sign, the new stock sign is generated by a issuer and a master contractor under supervision of a notarization department, which means that a list of users with the new stock is determined by the outside and not by the server, and optionally, the list of users with the new stock can be sent by receiving stock exchanges.
After the new strand of a certain user is checked, the user can perceive that the new strand is checked by means of short messages, popup windows, floating windows, red dots and the like.
After the APP/H5 page related to the securities is opened for the first time after the new stock is signed by the user, guiding the client to enter a payment page of the new stock, and enabling the user to acquire new stock information of the new stock, wherein the new stock information comprises a new stock code and unit price of the new stock.
In an alternative implementation mode, after the data of the middle-sign user is generated in the database, synchronizing the data to the database in a binlog mode, and then inquiring the data of the corresponding user in the data warehouse through the task system before the next transaction day is marketed; further, the data is pushed to the terminal equipment of the user through the data pushing system and the short message is sent through the short message sending system;
the user can timely sense the middle sign information, actively inquire the middle sign information of the user after the user enters the transaction page, and prompt the user that the user signs the middle sign in a yellow stripe and corner mark mode.
Step S203: and determining the total payment amount of the new strand.
And determining the total payment amount of the new strand according to the unit price of the new strand and the number of strands of the new strand required to be purchased by the user.
The number of the new strands required to be purchased by the user can be the number that the user sends to the server through the user terminal after the user signed in the new strands senses that the user has a new strand in the new strands, or the number that the user presets.
Step S204: and determining whether the security account balance is enough to pay the total payment amount according to the total payment amount and the security account balance of the user.
Specifically, determining a security account balance of the user;
determining whether the balance of the security account of the user is greater than or equal to the total payment amount;
determining that the security account balance is sufficient to pay the total payment amount when the security account balance of the user is greater than or equal to the total payment amount;
and under the condition that the security account balance of the user is smaller than the total payment amount, determining that the security account balance is insufficient for paying the total payment amount.
And if the balance of the security account is determined to be enough to pay the total payment amount, directly performing payment operation through the balance of the security account, and purchasing the new stock.
Step S205: and under the condition that the balance of the security account is insufficient to pay the total payment amount, determining a payment mode of the new strand.
The payment mode comprises bank card payment or combined payment; the bank card payment means that the total payment amount of a new purchase is transferred and paid by the bank card associated with the user, no matter what the balance of the security account of the user is; the combined payment means that the total payment amount of the new payment is paid by the securities account of the user and the bank card associated with the user together.
In an optional implementation manner, the payment manner of the new strand is determined according to a manner preset by the user, and may also be determined interactively with the user terminal.
In an alternative embodiment, if the determined payment mode is combined payment, determining a target balance according to the balance of the security account and the total payment amount; the target balance is the sum of the payings minus the balance of the securities account, and the sum of the payings is supplemented by a bank card of the user;
acquiring bank account information corresponding to the user;
if the user does not pay the amount of money in a preset time period before the payment time limit expires, transferring money from the bank card to the security account through the bank account information so as to complement the target balance in the security account;
And purchasing the new strand through the current security account balance of the user.
In the above-mentioned implementation manner related to combined payment, a situation that a single bank account balance is insufficient to meet the requirement, or the user binds a plurality of bank accounts on a security account, or in the interaction process, the bank account information sent to the server includes a plurality of bank accounts, and then a problem that in the process of transferring to the security account through a bank card, the bank account information is selected may occur, and for this problem, an embodiment of the present application proposes a bank account judgment method, specifically please refer to fig. 3, and fig. 3 is a flow diagram of a bank account judgment method provided by an embodiment of the present application, specifically as follows:
step S301: a balance of each of a plurality of bank accounts corresponding to the bank account information is determined.
Specifically, the system for measuring the bank is interacted with according to the bank account information so as to determine the balance of each bank account in a plurality of bank accounts corresponding to the bank account information.
Step S302: and sending request information to the user so as to request the user to determine a target bank account needing to be transferred from the plurality of bank accounts.
After determining the balance of each of the plurality of bank accounts corresponding to the bank account information, three situations may occur:
in the first case, the balance of any one of a plurality of bank accounts corresponding to the bank account information is smaller than a target balance;
in the first case, firstly judging whether the balance of a plurality of bank accounts corresponding to the bank account information is equal to or greater than the target balance after adding; if the sum of the balances of a plurality of bank accounts corresponding to the bank account information is equal to or greater than the target balance, after interaction with a user terminal, sequentially transferring the balances of the plurality of bank accounts to a security account of the user until the balance of the security account is equal to the total payment amount; optionally, transferring the balances of the plurality of bank accounts to the securities account of the user according to the order of more balances to less balances;
and if the sum of the balance of the plurality of bank accounts corresponding to the bank account information is smaller than the target balance, returning a transfer failure message to the terminal of the user.
Secondly, the balance of any bank account in a plurality of bank accounts corresponding to the bank account information is larger than a target balance;
In a second case, sending request information to the user to request the user to determine a target bank account needing to be transferred from the plurality of bank accounts, and if the user returns a response message corresponding to the request message within a target period, determining a target bank account for paying the target balance according to the response message; if the target time period is exceeded, the user does not return a response message corresponding to the request message, and a default bank account preset by the user is determined to be a target bank account; if the user does not preset a default bank account, determining a bank account which performs the transfer action last time in a plurality of bank accounts corresponding to the bank account information as a target bank account.
Thirdly, the balance of part of the bank accounts corresponding to the bank account information is larger than the target balance;
in a third case, sending request information to the user to request the user to determine a target bank account needing to transfer accounts in the plurality of bank accounts, and if the user returns a response message corresponding to the request message within a target period, determining a target bank account for paying the target balance according to the response message; if the target period is exceeded, the user does not return a response message corresponding to the request message, and the balance of a plurality of bank accounts corresponding to the bank account information is larger than the target balance, and the bank account with the transfer action is determined to be the target bank account.
Step S303: and receiving the response message returned by the user in the target period.
The response message includes a target bank account to be transferred among the plurality of bank accounts selected by the user.
The target period refers to a time from a time node when the request message is sent, for example, the time length of the target period is 30min, and the time when the request message is sent is 21:30, then 21:30-22:00 is the target period, i.e. the server is at 21:30-22:00, waiting for a response message returned by the user, if at 22: after 00, the server has not received the response message returned by the user, then step S305 is performed,
step S304: and transferring the target balance from the target bank account to the security account according to the response message.
Step S305: if the response message returned by the user is not received in the target period, determining the bank account which carries out the transfer action last time in the plurality of bank accounts as a target bank account, and transferring the target balance to the security account according to the target bank account.
The embodiment focuses on the problem that the transfer of a plurality of bank accounts in a new stock signing scene is difficult, and even if the balance of each bank account is lower than the target balance, the transfer can be successful, so that the time consumption of purchasing the new stock by a user is further reduced, and the problems of purchasing failure and damage of integrity are avoided.
Step S206: and if the determined payment mode is bank card payment, acquiring bank account information corresponding to the user.
The bank account information comprises a bank name, a bank card account number and a bank card password.
In an optional embodiment, the acquiring bank account information corresponding to the user includes:
sending a request message to the user to request the user to send bank account information;
and receiving a response message sent by the user, wherein the response message comprises bank account information.
In an optional embodiment, the acquiring bank account information corresponding to the user includes:
determining bank account information corresponding to the user according to the transfer authorization message; in this embodiment, when the user transmits the transfer authorization message, bank account information for transfer is added to the transfer authorization message.
In an optional embodiment, the acquiring bank account information corresponding to the user includes:
matching whether the user is a institutional user or not through a Knuth-Morris-Pratt algorithm;
if the user is a institutional user, resending a confirmation message of transfer authorization to confirm whether the user needs to start a reservation payment function again;
And under the condition that the user is not a institutional user, acquiring the bank account information of the user from a preset database through a Knuth-Morris-Pratt algorithm.
In the above embodiment, in the case that the user is not a institutional user, the bank account information corresponding to the user signed in is determined through the bank account information of the user stored in the preset database;
it should be noted that, the Knuth-Morris-Pratt algorithm is mainly used for reducing the number of times of matching, and the application of the algorithm is that after the matching of the main string and the pattern string is performed for the first time, whether the matching is successful or not can be determined for several times, and the core of the algorithm is that the matching process that the matching is successful is deduced in each matching process, so that the number of times of comparison is reduced, the efficiency is improved, and the time consumed by a user in the process of purchasing new strands is further reduced.
Step S207: and if the user does not pay the amount of money in the preset time period before the payment time limit expires, transferring the money from the bank card to the security account through the bank account information.
In this embodiment, the funds transferred into the security account are used for payment of the new share, and the amount transferred from the bank card to the security account through the bank account information is equal to the total payment amount.
In an alternative embodiment, since there is a time limit for the payment of the new strand, the user pays for the new strand on the T day, the user can check whether to pay for the new strand on the t+2 day, the t+3 day is the payment day, the user needs to pay for the new strand before the 16 points on the current day of the t+3 day, the securities financial system can automatically pay for the new strand to purchase enough funds, and the user can pay for the new strand automatically if missing the payment day, the payment time limit refers to the purchase time limit of the new strand, generally from the determination of the 16 points on the current day of the purchase day, so the payment time limit is 16 on the t+3 day: 00.
the preset time period is a period of time before the payment time limit, and is used for ensuring that the balance of the security account is enough to support full-term purchase of the new stock before the payment time limit.
Since the bank transfers require a certain time and the time consumed for each bank transfer is different, in an alternative embodiment, the preset time period is determined by the time consumed for the bank transfer, specifically as follows:
determining the average transfer duration of the bank corresponding to the bank account information; the average transfer duration can be determined according to information provided by a bank end;
Evaluating the payment duration of the user according to historical information, wherein the historical information comprises historical payment duration, and the payment duration is the time length from the initiation of the action of purchasing a new stock to the completion of purchasing; the history information also comprises transfer amount and bank name;
and determining a preset time period according to the average transfer duration and the payment duration.
According to the method and the device, through the accurate setting of the preset time period, under the condition that the fund safety of the user is guaranteed to the greatest extent, the user is helped to purchase new strands, the situation that the purchase of the new strands fails is avoided, and the intelligence and the accuracy of the server are improved.
If the bank account information corresponds to a plurality of bank accounts, determining a target bank account in the plurality of bank accounts according to the three conditions in the above embodiment, and transferring an amount equal to the total payment amount to the securities account through the target bank account.
Because whether payment was successful or not is related to whether the new stock purchase was successful or not, in an alternative embodiment, the payment result is obtained through a training timer to confirm whether the purchase of the new stock corresponding to the stock information was successful or not.
In an alternative embodiment, after determining the new purchase result, the server sends a related message to the user's terminal to notify the user of the purchase result;
under the condition that the new stock purchase is determined to be completed, a transaction success message is sent to the user, wherein the transaction success message comprises a total payment amount, a current securities account balance and a bank account transfer amount;
and under the condition that the new stock purchase fails, sending a trade failure message to the user, wherein the trade failure message comprises the total payment amount, the current security account balance and the difference between the total payment amount and the current security account balance.
The embodiment of the application is more beneficial to saving the time of the client and improving the efficiency of the client by effectively displaying the data, and has high efficiency, convenience and friendly operation flow interface and payment mode, and the intelligence and the comprehensiveness of the server are also effectively improved at the server side.
The foregoing details of the method according to the embodiments of the present application and the apparatus according to the embodiments of the present application are provided below.
Referring to fig. 4, fig. 4 is a schematic structural diagram of a new in-stock pick transfer device, where the new in-stock pick transfer device 40 may be the aforementioned server or a device in the server, and the new in-stock pick transfer device 40 may include a receiving unit 401, a first determining unit 402, a second determining unit 403, a third determining unit 404, a fourth determining unit 405, a first acquiring unit 406, and a first bill transferring unit 407, where the detailed descriptions of the respective units are as follows.
The receiving unit 401 is configured to receive a transfer authorization message sent by a user, so as to start a reserved payment function, where the reserved payment function is a function that a server performs transfer and payment operations within a payment time limit when the user signs in a new stock;
a first determining unit 402, configured to determine that a new strand is signed by the user;
a second determining unit 403, configured to determine a total payment amount of the new strand;
a third determining unit 404, configured to determine, according to the total payment amount and a security account balance of the user, whether the security account balance is sufficient to pay the total payment amount;
a fourth determining unit 405, configured to determine a payment manner of the new share, where the payment manner includes bank card payment or combined payment, if the balance of the security account is insufficient to pay the total payment amount;
the first obtaining unit 406 is configured to obtain bank account information corresponding to the user if the determined payment manner is a bank card payment, where the bank account information includes a bank name, a bank card account number, and a bank card password;
and the first bill transferring element 407 is configured to transfer funds transferred to the security account from the bank card to the new stock for payment if the user does not pay the amount of money in a preset time period before the payment time limit expires.
In an alternative embodiment, the first obtaining unit 406 is configured to:
sending a request message to the user to request the user to send bank account information;
and receiving a response message sent by the user, wherein the response message comprises bank account information.
In an alternative embodiment, the first obtaining unit 406 is configured to:
matching whether the user is a institutional user or not through a Knuth-Morris-Pratt algorithm;
if the user is a institutional user, resending a confirmation message of transfer authorization to confirm whether the user needs to start a reservation payment function again;
and under the condition that the user is not a institutional user, acquiring the bank account information of the user from a preset database through a Knuth-Morris-Pratt algorithm.
In an alternative embodiment, the new mid-stream sign-in-sign transfer device 40 further includes:
a fifth determining unit, configured to determine an average transfer duration of a bank corresponding to the bank account information;
the evaluation unit is used for evaluating the payment duration of the user according to historical information, wherein the historical information comprises historical payment duration, and the payment duration is the time length from the action of initiating the purchase of a new stock to the completion of the purchase;
And a sixth determining unit, configured to determine a preset time period according to the average transfer duration and the payment duration.
In an alternative embodiment, the new mid-stream sign-in-sign transfer device 40 further includes:
a seventh determining unit, configured to determine a target balance according to the balance of the security account and the total payment amount if the determined payment manner is combined payment;
the second acquisition unit is used for acquiring bank account information corresponding to the user;
the second transfer unit is used for transferring money from the bank card to the security account through the bank account information so as to complement the target balance in the security account if the user does not pay the amount of money in a preset time period before the payment time limit expires;
and the purchase unit is used for purchasing the new strand through the current security account balance of the user.
In an optional implementation manner of the first aspect, the second transfer unit is specifically configured to:
determining a balance of each of a plurality of bank accounts corresponding to the bank account information;
sending request information to the user to request the user to determine a target bank account needing to be transferred from the plurality of bank accounts;
Receiving a response message returned by the user in a target period, wherein the response message comprises a target bank account which needs to be transferred in the plurality of bank accounts selected by the user;
transferring the target balance from the target bank account to the security account according to the response message;
if the response message returned by the user is not received in the target period, determining the bank account which carries out the transfer action last time in the plurality of bank accounts as a target bank account, and transferring the target balance to the security account according to the target bank account.
In an alternative embodiment, the new mid-stream sign-in-sign transfer device 40 further includes:
the first sending unit is used for sending a transaction success message to the user under the condition that the new purchase is determined to be completed, wherein the transaction success message comprises a total payment amount, a current securities account balance and a bank account transfer amount;
and the second sending unit is used for sending a transaction failure message to the user under the condition that the new purchase fails, wherein the transaction failure message comprises a total payment amount, a current security account balance and a difference between the total payment amount and the current security account balance.
Referring to fig. 5, fig. 5 is a schematic structural diagram of a server according to an embodiment of the present application, where the server 102 includes: processor 501, communication interface 502 and memory 503, wherein processor 501, communication interface 502 and memory 503 may be connected by a bus or other means, as exemplified by the present embodiment.
The processor 501 is a computing core and a control core of the server 102, and may parse various instructions in the server 102 and various data of the server 102, for example: the processor 501 may be a central processing unit (Central Processing Unit, CPU), may transmit various types of interaction data between internal structures of the server 102, and so on. Communication interface 502 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI, mobile communication interface, etc.), and may be controlled by processor 501 to receive and transmit data; the communication interface 502 may also be used for transmission or interaction of signaling or instructions within the server 102. A Memory 503 (Memory) is a Memory device in the server 102 for storing programs and data. It will be appreciated that the memory 503 herein may include either built-in memory of the server 102 or, of course, may include expansion memory supported by the server 102. Memory 503 provides a storage space that stores the operating system of the server 102 and also stores program code or instructions required by the processor to perform the corresponding operations, and optionally, may store related data generated by the processor after performing the corresponding operations.
In an embodiment of the present application, the processor 501 executes executable program code in the memory 503 for performing the following operations:
receiving a transfer authorization message sent by a user through a communication interface 502 to start a reservation payment function, wherein the reservation payment function is a function of executing transfer and payment operations by a server in a payment time limit under the condition that the user signs in a new stock;
determining that a new strand is signed in the user;
determining the total payment amount of the new strand;
determining whether the security account balance is sufficient to pay the total payment amount according to the total payment amount and the security account balance of the user;
determining a payment mode of the new stock under the condition that the balance of the security account is insufficient to pay the total payment amount, wherein the payment mode comprises bank card payment or combined payment;
if the determined payment mode is bank card payment, acquiring bank account information corresponding to the user, wherein the bank account information comprises a bank name, a bank card account number and a bank card password;
and if the user does not pay the amount of money in the preset time period before the payment time limit expires, transferring money from the bank card to the security account through the bank account information, and transferring funds of the security account for payment of the new strand.
In an alternative aspect, in the acquiring bank account information corresponding to the user, the processor 501 is specifically configured to:
transmitting a request message to the user through the communication interface 502 to request the user to transmit bank account information;
a response message sent by the user is received through the communication interface 502, where the response message includes bank account information.
In an alternative aspect, in the acquiring bank account information corresponding to the user, the processor 501 is specifically configured to:
matching whether the user is a institutional user or not through a Knuth-Morris-Pratt algorithm;
if the user is a institutional user, resending a confirmation message of the transfer authorization through the communication interface 502 to confirm whether the user needs to start the reservation payment function again;
and under the condition that the user is not a institutional user, acquiring the bank account information of the user from a preset database through a Knuth-Morris-Pratt algorithm.
In an alternative, the processor 501 is further configured to:
determining the average transfer duration of the bank corresponding to the bank account information;
evaluating the payment duration of the user according to historical information, wherein the historical information comprises historical payment duration, and the payment duration is the time length from the initiation of the action of purchasing a new stock to the completion of purchasing;
And determining a preset time period according to the average transfer duration and the payment duration.
In an alternative, the processor 501 is further configured to:
if the determined payment mode is combined payment, determining a target balance according to the balance of the security account and the total payment amount;
acquiring bank account information corresponding to the user;
if the user does not pay the amount of money in a preset time period before the payment time limit expires, transferring money from the bank card to the security account through the bank account information so as to complement the target balance in the security account;
and purchasing the new strand through the current security account balance of the user.
In an alternative aspect, the processor 501 is specifically configured to:
determining a balance of each of a plurality of bank accounts corresponding to the bank account information;
transmitting request information to the user through a communication interface 502 to request the user to determine a target bank account needing to be transferred from the plurality of bank accounts;
receiving a response message returned by the user through a communication interface 502 in a target period, wherein the response message comprises a target bank account needing to be transferred from the plurality of bank accounts selected by the user;
Transferring the target balance from the target bank account to the security account according to the response message;
if the response message returned by the user is not received in the target period, determining the bank account which carries out the transfer action last time in the plurality of bank accounts as a target bank account, and transferring the target balance to the security account according to the target bank account.
In an alternative, the processor 501 is further configured to:
under the condition that the new purchase is determined to be completed, a transaction success message is sent to the user through the communication interface 502, wherein the transaction success message comprises a total payment amount, a current securities account balance and a bank account transfer amount;
in the event that the new stock purchase is determined to fail, a transaction failure message is sent to the user via the communication interface 502, the transaction failure message including the total amount paid, the current security account balance, and the difference between the total amount paid and the current security account balance.
It should be noted that the implementation of the respective operations may also correspond to the respective description of the method embodiments shown with reference to fig. 2 and 3.
Embodiments of the present application provide a computer readable storage medium storing a computer program comprising program instructions which, when executed by a processor, cause the processor to carry out the operations performed by the embodiments of fig. 2 and 3.
Embodiments of the present application also provide a computer program product for performing the operations performed by the embodiments of fig. 2 and 3 when the computer program product is run on a processor.
Those skilled in the art will appreciate that implementing all or part of the above-described embodiment methods may be accomplished by a program that instructs related hardware, and the program may be stored in a computer-readable storage medium, and the program may include the above-described embodiment methods when executed. And the aforementioned storage medium includes: various media capable of storing program code, such as ROM, RAM, magnetic or optical disks.
Claims (10)
1. A method of transferring a new in-stock sign, the method being applied to a server, the method comprising:
receiving a transfer authorization message sent by a user to start a reservation payment function, wherein the reservation payment function refers to a function of executing transfer and payment operations by a server within a payment time limit under the condition that the user signs in a new stock;
determining that a new strand is signed in the user;
determining the total payment amount of the new strand;
determining whether the security account balance is sufficient to pay the total payment amount according to the total payment amount and the security account balance of the user;
Determining a payment mode of the new stock under the condition that the balance of the security account is insufficient to pay the total payment amount, wherein the payment mode comprises bank card payment or combined payment;
if the determined payment mode is bank card payment, acquiring bank account information corresponding to the user, wherein the bank account information comprises a bank name, a bank card account number and a bank card password;
and if the user does not pay the amount of money in the preset time period before the payment time limit expires, transferring money from the bank card to the security account through the bank account information, and transferring funds of the security account for payment of the new strand.
2. The method of claim 1, wherein the obtaining bank account information corresponding to the user comprises:
sending a request message to the user to request the user to send bank account information;
and receiving a response message sent by the user, wherein the response message comprises bank account information.
3. The method of claim 1, wherein the obtaining bank account information corresponding to the user comprises:
matching whether the user is a institutional user or not through a Knuth-Morris-Pratt algorithm;
If the user is a institutional user, resending a confirmation message of transfer authorization to confirm whether the user needs to start a reservation payment function again;
and under the condition that the user is not a institutional user, acquiring the bank account information of the user from a preset database through a Knuth-Morris-Pratt algorithm.
4. The method of claim 1, wherein prior to transferring the money from the bank card to the security account through the bank account information if the user has not paid a full amount within a preset period of time before the payment time limit expires, the method further comprises:
determining the average transfer duration of the bank corresponding to the bank account information;
evaluating the payment duration of the user according to historical information, wherein the historical information comprises historical payment duration, and the payment duration is the time length from the initiation of the action of purchasing a new stock to the completion of purchasing;
and determining a preset time period according to the average transfer duration and the payment duration.
5. The method of claim 1, wherein after determining the manner of payment for the user in the event that the user's security account balance is insufficient for payment, the method further comprises:
If the determined payment mode is combined payment, determining a target balance according to the balance of the security account and the total payment amount;
acquiring bank account information corresponding to the user;
if the user does not pay the amount of money in a preset time period before the payment time limit expires, transferring money from the bank card to the security account through the bank account information so as to complement the target balance in the security account;
and purchasing the new strand through the current security account balance of the user.
6. The method of claim 5, wherein the transferring from the bank card to the security account via the bank account information comprises:
determining a balance of each of a plurality of bank accounts corresponding to the bank account information;
sending request information to the user to request the user to determine a target bank account needing to be transferred from the plurality of bank accounts;
receiving a response message returned by the user in a target period, wherein the response message comprises a target bank account which needs to be transferred in the plurality of bank accounts selected by the user;
Transferring the target balance from the target bank account to the security account according to the response message;
if the response message returned by the user is not received in the target period, determining the bank account which carries out the transfer action last time in the plurality of bank accounts as a target bank account, and transferring the target balance to the security account according to the target bank account.
7. The method of any of claims 1-5, wherein after the transfer of the information from the bank card to the security account via the bank account information, the method further comprises:
under the condition that the new stock purchase is determined to be completed, a transaction success message is sent to the user, wherein the transaction success message comprises a total payment amount, a current securities account balance and a bank account transfer amount;
and under the condition that the new stock purchase fails, sending a trade failure message to the user, wherein the trade failure message comprises the total payment amount, the current security account balance and the difference between the total payment amount and the current security account balance.
8. A new mid-strand pick transfer apparatus, the apparatus comprising:
The system comprises a receiving unit, a server and a reservation payment unit, wherein the receiving unit is used for receiving a transfer authorization message sent by a user so as to start a reservation payment function, and the reservation payment function is a function of executing transfer and payment operation by the server within a payment time limit under the condition that the user signs in a new stock;
a first determining unit, configured to determine that a new strand is signed in the user;
the second determining unit is used for determining the total payment amount of the new strand;
a third determining unit, configured to determine, according to the total payment amount and a security account balance of the user, whether the security account balance is sufficient to pay the total payment amount;
a fourth determining unit, configured to determine a payment manner of the new share, where the payment manner includes bank card payment or combined payment, under a condition that the balance of the security account is insufficient to pay the total payment amount;
the first acquisition unit is used for acquiring bank account information corresponding to the user if the determined payment mode is bank card payment, wherein the bank account information comprises a bank name, a bank card account number and a bank card password;
and the first transfer unit is used for transferring money from the bank card to the security account through the bank account information if the user does not pay the amount of money in a preset time period before the payment time limit expires, and transferring funds of the security account for paying the new stock.
9. A server comprising at least one processor for transmitting and/or receiving data, a communication interface for storing a computer program, and a memory for invoking the computer program stored in the at least one memory to implement the method according to any of claims 1-7.
10. A computer readable storage medium, characterized in that the computer readable storage medium has stored therein a computer program which, when run on a processor, implements the method according to any of claims 1-7.
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Application publication date: 20230912 |