WO2014029341A1

WO2014029341A1 - Method, apparatus, and storage medium for cross-market financial transactions in single account

Info

Publication number: WO2014029341A1
Application number: PCT/CN2013/082015
Authority: WO
Inventors: 汪义建
Original assignee: Wang Yijian
Priority date: 2012-08-21
Filing date: 2013-08-21
Publication date: 2014-02-27
Also published as: WO2014029340A1

Abstract

Disclosed are a method, an apparatus, and a storage medium for cross-market financial transactions in a single account. The method comprises: performing authentication on user information, and after the authentication is successful, entering a transactional interface of an account of a user, the transactional interface being used for transactions of different financial objectives of the same product on different financial markets; receiving identifier information, input by the user, of a financial objective currently needing to be transacted; obtaining, according to the identifier information of the financial objective, display data matching the financial objective; displaying, on the transactional interface, the display data matching the financial objective; receiving commission information, input by the user, of the financial objective, and generating commission transaction data; performing matchmaking transaction on the commission transaction data. A user can use one financial account for transactions of the same type of financial product on different financial markets, which improves the financial product transaction efficiency, and makes diversified investment easier for the user.

Description

Method, device and storage medium for single account cross-market financial transaction

Technical field

The present invention relates to the field of computer data communication, and in particular, to a single account cross-market financial transaction method, apparatus, and storage medium.

Background technique

With the development of economy and technology, the financial market is gradually improving, and more and more investors are entering. Financial markets buy financial products for investment. Such as investment in stocks, futures, foreign exchange, spot and so on. At the same time, with the development of computer technology, the transaction of financial products is realized electronically. Most investors use computers to buy and sell financial products. Investors first open an account on the stock exchange, and then install the client that downloads the corresponding securities transaction on the personal computer. Real-time transaction securities through the client of the transaction. For example, investors in Chinese stocks must first open an account in Shanghai or Shenzhen Stock Exchange. After signing the relevant documents, they can buy and sell stocks in the client.

The trading operation of the investor on the client of the securities trading, taking the stock as an example, is generally the code of the input stock, checking the trading information of the stock, outputting the commission price and the number of commissions, submitting the commission report, and then bidding on the stock market. . In the existing trading system of financial products, investors can only have one account corresponding to one financial market. Investors need to invest in financial products, and only in which financial products market can open accounts. The account can only be one kind of one. Trading financial products in financial markets does not allow trading of the same financial products in other financial markets. If Chinese investors want to invest in China's A-share market, they can open an account at the Shanghai Stock Exchange to buy and sell stocks in the A-share market, but the account cannot be in the B-share market, on the B-share market. Stocks are traded, and it is even more difficult to trade stocks in foreign stock markets. If investors need to trade stocks in other financial markets, they can only open a corresponding stock account. The same problem also exists in financial markets such as futures, spot, and options. The existing financial trading system brings great inconvenience to investors and affects the liquidity of capital markets.

technical problem

The main technical problem to be solved by the present invention is to provide a single account cross-market financial transaction method, device and storage medium, which enables a user to use the same financial account to trade financial products of the same variety located in different financial markets, and to improve financial products. Transaction efficiency makes it easy for users to achieve diversified investments.

Technical solution

In order to solve the above technical problem, the present invention provides a single account cross-market financial transaction method, and the specific technical solutions are as follows:

The user information is authenticated, and after the authentication is passed, the transaction interface corresponding to the different financial targets of the same product in different financial markets corresponding to the user account is entered;

Receiving identification information of a financial target currently required by the user for the transaction;

Obtaining display data matching the financial target according to the identification information of the financial target;

Displaying display data matching the financial target on the transaction interface;

Receiving commission information of the financial target input by the user, and generating commission transaction data;

The transaction data of the commission transaction is combined.

In some implementations, the display data that matches the financial target includes: the real-time transaction data of the financial target and the transaction currency funds data of the financial target.

In some implementations, obtaining transaction currency funds data for the financial target includes:

Determining the transaction currency of the financial target according to the identification information of the financial target;

Determining whether the currency of the current fund data of the account is consistent with the transaction currency of the financial target;

If they are inconsistent, the existing fund data of the account is converted into the transaction currency data of the financial target according to the existing fund data of the account and the corresponding currency conversion exchange rate information;

If they are consistent, the existing fund data of the account is directly used as the transaction currency data of the financial target.

In some implementations, after the transaction of the commissioned transaction data, the method further includes:

The remaining transaction currency funds data is converted into the previous currency according to the currency conversion rate information, and displayed on the transaction interface.

In some implementations, the transaction interface corresponding to the different financial targets of the same product for trading in different financial markets corresponding to the user account after the authentication is passed includes:

After the authentication is passed, the user's main account is entered;

Identify the types of financial products that users currently need to trade;

Determining whether there is a sub-account corresponding to the current financial product category that needs to be traded under the main account;

If present, enter a transaction interface corresponding to the sub-account and used to trade different financial targets of the same product on different financial markets.

If it does not exist, create a new sub-account corresponding to the current financial product category that needs to be traded under the main account;

Enter the trading interface corresponding to the sub-account and used to trade different financial targets of the same product in different financial markets.

In some implementations, the method further includes: interacting with the funds data between the primary account and the sub-account, and the traded product data.

A single account cross-market financial transaction device, comprising: a processing unit and a transaction interface unit,

The processing unit is configured to authenticate the user information, and after the authentication is passed, the transaction interface unit is triggered to enter a transaction interface corresponding to the different financial targets of the same product in the different financial markets corresponding to the user account; and is also used for the identification information according to the financial target. Obtaining display data matching the financial target; and also for performing a matching transaction on the commissioned transaction data;

The transaction interface unit is configured to enter a transaction interface corresponding to a different financial target of the same product on a different financial market corresponding to the user account; receive the identification information of the financial target currently required by the user for the transaction; and is also used to be associated with the financial target The matched display data is displayed on the transaction interface; and is also used for receiving the commission information of the financial target input by the user, and generating the commission transaction data.

In some implementations, the processing unit is specifically configured to obtain transaction currency funds data of the financial target by:

In some implementations, the processing unit is specifically configured to trigger the transaction interface unit to enter a transaction interface corresponding to a different financial target of the same product on a different financial market corresponding to the user account by: authenticating the user information, and authenticating the authentication After entering the user's main account, identifying the type of financial product that the user currently needs to trade, determining whether there is a sub-account corresponding to the current financial product category that needs to be traded under the main account, and if so, triggering the transaction interface unit to enter the sub-account Corresponding and used to trade different financial target trading interfaces of different products on different financial markets; if not, create a new sub-account corresponding to the current financial product category that needs to be traded under the main account, trigger the transaction interface unit to enter and The sub-account corresponds to and is used to trade trading interfaces of different financial targets of the same product in different financial markets.

In some implementations, the processing unit is further configured to interact with the funds data, the traded product data between the primary account and the sub-account.

A storage medium storing a program for performing the single account cross-market financial transaction method of any of the above.

Beneficial effect

The beneficial effects of the invention are:

The invention can realize that the user uses the same account to trade the same kind of financial products in different financial markets on the same transaction interface, thereby improving the transaction efficiency of the financial products and facilitating the use of the investors. It is also possible to judge the financial market in which the financial target is located and the currency required for the transaction according to the identification information of the financial target; it is also possible to convert the funds on the investor account into the currencies required for different financial markets, and also to reserve the remaining funds in the account. The funds are converted into the original currency, and the currency form of the funds can be converted according to the needs of the market, facilitating the management and application of the funds of the users.

DRAWINGS

1 is a schematic structural diagram of a financial transaction apparatus for a single account cross-market according to an embodiment of the present invention;

2 is a flow chart of data processing of a financial transaction device with a single account across a market according to an embodiment of the present invention;

3 is a flow chart of a first type of service processing of a single-account cross-market financial transaction device according to an embodiment of the present invention;

4 is a flow chart of a second service processing of a financial transaction device with a single account across a market according to an embodiment of the present invention;

5 is a flowchart of a third service processing of a financial transaction device with a single account across a market according to an embodiment of the present invention;

FIG. 6 is a flowchart of a fourth service process of a financial transaction device with a single account cross-market according to an embodiment of the present invention.

BEST MODE FOR CARRYING OUT THE INVENTION

Embodiments of the invention

The present invention will be further described in detail below with reference to the accompanying drawings.

Please refer to FIG. 1 , which is a schematic structural diagram of a single-account cross-market financial transaction device according to the embodiment. The single-account cross-market financial transaction device in this embodiment includes: a transaction interface unit and a processing unit;

In some embodiments, the display data that matches the financial target includes: the real-time transaction data of the financial target and the transaction currency funds data of the financial target.

In some embodiments, the processing unit is specifically configured to obtain transaction currency funds data of the financial target by:

The account existing fund data and the corresponding currency conversion rate information may be stored in a storage unit, and the single account cross-market financial transaction device may further include the storage unit.

In some embodiments, the processing unit further extracts the account existing funds data of the user account and the traded financial product data from the storage unit to the transaction interface unit for display on the transaction interface; so that the user can enter the transaction interface to view Information about the funds in the account and the financial products that have been traded. If the current transaction information of the financial product has been traded, such as price, Volume and so on.

In some embodiments, the processing unit is specifically configured to: authenticate the user information, enter the user's main account after the authentication is passed, identify the type of the financial product that the user needs to trade, and determine whether there is a current transaction under the main account. The sub-account corresponding to the financial product variety, if present, triggers the transaction interface unit to enter a transaction interface corresponding to the sub-account and used to trade different financial targets of the same product on different financial markets; if not, under the main account A new sub-account corresponding to the current financial product category that needs to be traded is triggered, and the transaction interface unit is triggered to enter a transaction interface corresponding to the sub-account and used to trade different financial targets of the same product in different financial markets. The sub-accounts correspond to the financial product varieties one by one. The processing unit is further configured to exchange funds data and traded product data between the primary account and the sub-account.

A single-account, cross-market financial transaction device enables users to trade the same variety of financial products on different markets in the same transaction interface using the same account.

Figure 2 is a flow chart showing the data processing of the single-account cross-market financial transaction device for trading financial products of the same variety as shown in Figure 2:

S001: The processing unit authenticates the user information, and after the authentication is passed, enters a transaction interface corresponding to a different financial target of the same product in a different financial market corresponding to the user account.

Specifically, the processing unit authenticates the received user information, triggers the transaction interface unit after the authentication is passed, and enters a transaction interface corresponding to the different financial targets of the same product in the different financial markets corresponding to the user account. In some embodiments, the transaction interface unit is in one-to-one correspondence with the transaction interface.

In some embodiments, the processing unit further acquires account current fund data and traded financial product data of the user account, and displays the transaction information on the transaction interface; so that the user enters the transaction interface to see the account funds and the traded finance. Product information. If the current transaction information of the financial product has been traded, such as price, Volume and so on.

S002: the transaction interface unit receives the identification information of the financial target currently required by the user for the transaction;

S003: The processing unit acquires display data that matches the financial target according to the identification information of the financial target.

The display data matching the financial target includes, but is not limited to, the real-time transaction data of the financial target and the transaction currency funds data of the financial target.

The method of obtaining the transaction currency data data of the financial target includes but is not limited to:

The processing unit determines the transaction currency of the financial target according to the identification information of the financial target; determines whether the currency of the existing capital data of the account is consistent with the transaction currency of the financial target; if not, according to the existing capital data of the account and the corresponding currency Converting the exchange rate information, converting the existing fund data of the account into the transaction currency data of the financial target; if consistent, directly using the existing fund data of the account as the transaction currency data of the financial target.

In some embodiments, the account's existing funds data is the default currency funds data for the account;

In some embodiments, the account existing funds data and the corresponding currency conversion rate information may be stored in a storage unit, the processing unit being obtained from the storage unit.

Methods for obtaining financial transaction real-time transaction data include, but are not limited to, obtaining from a transaction center through a network.

S004: transmitting display data matching the financial target to the transaction interface unit, where the transaction interface unit displays display data matching the financial target on the transaction interface;

S005: the transaction interface unit receives the commission information of the financial target input by the user, and generates the commission transaction data to be transmitted to the processing unit;

S006: The processing unit performs a matching transaction on the commission transaction data.

As shown in FIG. 3, the workflow of the device in this embodiment for reflecting the corresponding functions of the data processing is as follows:

S101: Receiving the login information of the user account, and after the authentication is passed, entering the transaction interface corresponding to the different financial targets of the same product in the different financial markets corresponding to the user account;

S102: Obtaining the existing fund data of the account under the account and the transaction information of the financial product of the same variety under different accounts in the account (including transaction information of different financial targets belonging to the same product), and displaying the transaction interface;

S103: Receive identification information of a financial target currently required to be traded by the user on the transaction interface;

S104: Obtain real-time transaction data of the financial target and transaction currency fund data of the financial target according to the identification information of the financial target, and display the transaction information interface;

Specifically, determining, according to the identification information of the financial target, the transaction currency of the financial target, determining whether the currency of the existing fund data of the account is consistent with the transaction currency of the financial target; if not, according to the existing capital data of the account and corresponding The currency converts the exchange rate information, converts the existing fund data of the account into the transaction currency data of the financial target, and displays the data in the transaction currency; if it is consistent, directly uses the existing capital data of the account as the transaction currency of the financial target Kind of fund data, displayed on the transaction interface;

S105: Receive commission information of the financial target input by the user on the transaction interface, and generate commission transaction data;

S106: Perform a matching transaction on the commission transaction data.

The investor or the user using the transaction device of the embodiment can realize that the same transaction account performs transactions of the same kind of financial products on different financial markets on the same transaction interface. Users only need to log in to one trading account to trade the same kind of financial products in different markets on the same trading interface, without switching the trading interface and without switching user accounts. Further, according to the identification information of the financial target input by the user, the currency of the existing capital data of the account can be converted into the currency required for the transaction, such as converting the RMB into the euro, the US dollar, etc., to realize the same kind of finance between different countries. Product trading. Financial products in the present invention include, but are not limited to, stocks, options, futures, funds, stocks, and the like. Taking the stock market as an example, the identification information of the financial target may be stock code information. There are many stock trading markets around the world, such as China's Shanghai or Shenzhen A-share market, B-share market, GEM stock market, Hong Kong's Hong Kong stock market, US New York securities trading market, Nasdaq Stock Exchange, others National stock exchange market. The stock codes of different stock markets are different. For example, the stock code of the A-share market of the Shanghai Stock Exchange begins with “6”, and the stock code of the B-share market starts with “900”. The stock code of the stock market starts with “0”. The stock code of the B-share market starts with “2”, while the stock code of the company listed in the US is based on the company’s English name as the stock code such as NetEase’s stock. The code is "NTES" and Baidu is "BIDU". In fact, there are different stock codes in different stock exchange markets around the world. Based on this, the present invention can determine the market in which the financial product belongs and the currency required for the transaction according to the stock code information; and then perform the conversion of the currency, so that the user can use the stock trading account to be globally available on the same transaction interface. A stock market trades stocks.

Taking the device and method provided by the user using the invention as an example, as shown in FIG. 4:

S201: the user logs in to the stock trading account, and after the authentication is passed, the transaction interface corresponding to the different stocks in different financial markets corresponding to the user account is entered;

S202: The user inputs a stock code on the transaction interface, such as “600000”;

S203: receiving the stock code "600000";

S204: determining, according to the stock symbol code “600000”, the transaction currency of the stock target is RMB, and displaying the existing RMB funds of the account on the transaction interface;

S205: Obtain real-time transaction data of the stock target according to the stock symbol code “600000”, where the real-time transaction data of the Shanghai Pudong Development Bank represented by “600000” is obtained, including the current price, the volume of the transaction, or the historical data of the past;

S206: The user inputs the entrusted price and the entrusted quantity information on the transaction interface according to the fund situation, for example, the Shanghai Pudong Development Bank (600000) entrusts the price of 16.8 per share, the quantity: 100 lots, generates the entrusted transaction data, and transmits the entrusted transaction data to the processing unit;

S207: Perform a matching transaction on the commission transaction data.

For example, users can also trade stocks on the B-share market of the Shanghai Stock Exchange or on the foreign stock exchange market, for example, in the case of trading the shares of the Internet trading company in China on the Nasdaq Stock Exchange, refer to Figure 5:

S301: The user logs in to the stock trading account, and after the authentication is passed, enters a transaction interface corresponding to the different stocks in different financial markets corresponding to the user account;

S302: The user inputs the stock symbol code “NTES” on the transaction interface;

S303: receiving the stock code "NTES", and determining, according to the stock target code "NTES", the transaction currency of the stock target is US dollars;

S304: The processing unit converts the existing RMB funds of the account into US dollars, and obtains the real-time transaction data of Netease, and transmits the converted fund information and the real-time transaction data of Netease to the transaction interface unit:

S305: the transaction interface unit displays the converted fund information and the real-time transaction data of the NetEase company on the transaction interface;

S306: The user inputs the entrusted price and the entrusted quantity information in the transaction interface according to the actual situation, and the transaction interface unit generates the entrusted transaction data, such as Netease (NTES) entrusted price of 16.8 US dollars per share, quantity: 100 lots;

S307: The processing unit performs a matching transaction on the commissioned transaction data.

In this embodiment, the financial market to which the financial target belongs and the transaction currency of the financial target can be determined according to the start symbol of the financial target code, the length of the code, the code symbol type, and the like.

In some embodiments, the processing unit can also calculate the funds that need to be frozen according to the entrusted information (such as the entrusted price information and the entrusted quantity information), and convert the excess funds that are not needed in the transaction to the funds in the original currency according to the preset exchange rate, such as Convert the US dollar into RMB. In the actual application, after the user inputs the entrusted price and the entrusted quantity in the transaction interface, the processing unit calculates the funds that need to be frozen in the transaction, calculates the total funds minus the balance of the frozen funds required for the transaction; the processing unit converts the remaining funds into the original The funds in the form of money, and transfer the converted information to the trading interface unit for display.

Take the example of trading Apple's stock, refer to Figure 6:

S401: the user logs in to the stock trading account, and after the authentication is passed, the trading interface unit corresponding to the account is triggered, and the trading interface corresponding to the different stocks in different financial markets corresponding to the account is entered;

S402: The user inputs the stock symbol code “AAPL” on the transaction interface;

S403: receiving the stock code "AAPL" information, and determining, according to the stock target code "AAPL", the transaction currency of the stock target is US dollars;

S404: The processing unit converts the existing RMB funds of the account into US dollars, acquires the real-time transaction data of the Apple company, and transmits the converted fund information and the instant transaction data of the Apple company to the transaction interface unit;

S405: The transaction interface unit displays the converted fund information and the instant transaction data of Apple on the transaction interface;

S406: The user inputs the entrusted price and the entrusted quantity information in the transaction interface according to the actual situation;

S407: The processing unit receives the entrusted price information and the entrusted quantity information input by the user, calculates the funds that need to be frozen and the funds that need to be frozen, and generates the entrusted transaction data, such as an Apple company (AAPL) entrusting the price of 80 US dollars per share, quantity: 1000 shares; transfer the transaction data to the trading interface unit;

S408: The processing unit converts the funds that do not need to be frozen into funds of the original currency. If it is originally RMB, it converts the dollar funds that do not need to be frozen into RMB funds. For example, in step S34, the existing RMB funds of the account are converted into 100,000 US dollars. The S37 commissioned transaction will cost US$80,000, and the processing unit will convert the remaining 20,000 USD into RMB according to the preset exchange rate;

S409: The processing unit performs a matching transaction on the commission transaction data.

Because the trading rules of the same product are different in the market, such as the delivery date, the charging of the commission fee, the opening time, and the like; in some embodiments, the processing unit is further configured to determine the financial target according to the identification information of the financial target. The market type data, including the trading rules, can be combined with the market type data obtained when the processing unit performs the matching transaction on the commissioned transaction data. For example, the processing unit judges that the trading market of the stock is the NASDAQ market according to the stock code “AAPL”, correspondingly extracts the market type data of the Nasdaq market, and obtains the rules of the stock trading of the market, such as the proportion of commissions received, delivery Date, etc. The transaction is then combined at the processing unit in accordance with the rules of the stock trading on the market.

In some embodiments, the transaction interface for entering the user account corresponding to the different financial targets of the same product on different financial markets after the authentication is passed includes:

After the processing unit passes the authentication, the user enters the user's main account; identifies the type of financial product that the user currently needs to trade; determines whether there is a sub-account corresponding to the current financial product category that needs to be traded under the main account; if so, triggers the transaction interface unit Entering a transaction interface corresponding to the sub-account and used to trade different financial targets of the same product in different financial markets; if not, creating a sub-account corresponding to the current financial product category that needs to be traded under the main account, triggering the transaction The interface unit enters a transaction interface corresponding to the sub-account and used to trade different financial targets of the same product on different financial markets. The sub-account corresponds to the type of financial products that need to be traded, that is, the number of sub-accounts is determined by the type of financial products that need to be traded. If there are three types of financial products that the user needs to trade, three sub-accounts are set to trade the products, and the transaction The interface corresponds to the sub-accounts one by one, so the transaction interface corresponds one-to-one with the types of financial products that need to be traded, and is used to receive the trading operations of different financial targets of the same product on different financial markets under the same sub-account, and the stock transaction is For example, there are many stock trading markets around the world, such as China's Shanghai or Shenzhen A-share market, B-share market, GEM stock market, Hong Kong's Hong Kong stock market, the US New York securities trading market, the Nasdaq Stock Exchange, In other countries, the stock exchange market, and each stock market can trade different stocks. Therefore, the transaction interface corresponding to the sub-account can be used to trade different financial targets of the same product in different financial markets, so that users can use A master account and a trading interface can be used in any stock market worldwide. Only trade stocks.

In some embodiments, the method further includes: the processing unit is further configured to exchange the capital data and the traded product data between the primary account and the sub-account. Including but not limited to: the sub-account obtains the capital data of the main account from the main account, generates the fund data of the sub-account, realizes the transfer of the funds of the main account to the sub-account; the main account obtains the fund data of the sub-account from the sub-account, generates The funds data of the main account, the funds of the sub-account are transferred to the main account; the main account obtains the traded product data of the sub-account from the sub-account, and generates the traded product data of the main account. The funds of the main account and the sub-accounts flow to facilitate the user's fund management and transactions. For example, when trading financial products in the sub-accounts, when the funds of the sub-accounts are insufficient, the funds can be transferred from the main accounts; the main accounts and sub-accounts The account interaction has already traded the product data, and the main account displays the information of the financial products that have been traded in all the sub-accounts, and can ensure that the financial product information already traded in the sub-account is displayed in the main account, so that the user can directly understand all the investment situations. .

The invention can realize that the user uses the same account to trade the same kind of financial products in different financial markets on the same transaction interface, thereby improving the transaction efficiency of the financial products and facilitating the use of the investors. It is also possible to judge the financial market in which the financial target is located and the currency required for the transaction according to the identification information of the financial target; it is also possible to convert the funds on the investor account into the currencies required for different financial markets, and also to reserve the remaining funds in the account. The funds are converted into the original currency, and the currency form of the funds can be converted according to the needs of the market, facilitating the management and application of the funds of the users. The same kind of financial products in different financial markets in the present invention include the same kind of financial products in financial markets of different countries, such as stock markets in the global market.

The present invention can also be realized by providing a storage medium recording program code of a software program capable of executing the apparatus and method in the above embodiments, and capable of reading and executing a program stored in a storage medium by a computer The code, in this case, the program code itself read from the storage medium itself performs the functions in the above embodiments, and the storage medium storing the program code constitutes the present invention. Regarding the storage medium providing the program code, for example, a floppy disk, a hard disk, an optical disk, this optical disk, a CD-ROM, a CD-R, a magnetic tape, a nonvolatile memory card, a ROM, and the like can be used.

The above is a further detailed description of the present invention in connection with the specific embodiments, and the specific embodiments of the present invention are not limited to the description. It will be apparent to those skilled in the art that the present invention may be made without departing from the spirit and scope of the invention.

Industrial applicability

Sequence table free content

Claims

A single-account cross-market financial transaction method, characterized in that it comprises:

The user information is authenticated, and after the authentication is passed, the transaction interface corresponding to the different financial targets of the same product in different financial markets corresponding to the user account is entered;

Receiving identification information of a financial target currently required by the user for the transaction;

Obtaining display data matching the financial target according to the identification information of the financial target;

Displaying display data matching the financial target on the transaction interface;

Receiving commission information of the financial target input by the user, and generating commission transaction data;

The transaction data of the commission transaction is combined.
The single-account cross-market financial transaction method according to claim 1, wherein the display data matching the financial target comprises: the real-time transaction data of the financial target and the transaction currency fund data of the financial target.
The method for claiming a cross-market financial transaction according to claim 2, wherein obtaining the transaction currency fund data of the financial target comprises:

Determining the transaction currency of the financial target according to the identification information of the financial target;

Determining whether the currency of the current fund data of the account is consistent with the transaction currency of the financial target;

If they are inconsistent, the existing fund data of the account is converted into the transaction currency data of the financial target according to the existing fund data of the account and the corresponding currency conversion exchange rate information;

If they are consistent, the existing fund data of the account is directly used as the transaction currency data of the financial target.
The method for financial transaction of a single-account cross-market according to claim 3, wherein after the transaction of the commissioned transaction data, the method further comprises:

The remaining transaction currency funds data is converted into the previous currency according to the currency conversion rate information, and displayed on the transaction interface.
The single-account cross-market financial transaction method according to any one of claims 1 to 4, characterized in that after the authentication is passed, the transaction interface corresponding to the different financial targets of the same product on different financial markets corresponding to the user account is entered. include:

After the authentication is passed, the user's main account is entered;

Identify the types of financial products that users currently need to trade;

Determining whether there is a sub-account corresponding to the current financial product category that needs to be traded under the main account;

If present, enter a transaction interface corresponding to the sub-account and used to trade different financial targets of the same product on different financial markets.
The method for financial transaction of a single account across markets according to claim 5, further comprising the steps of:

If it does not exist, create a new sub-account corresponding to the current financial product category that needs to be traded under the main account;

Enter the trading interface corresponding to the sub-account and used to trade different financial targets of the same product in different financial markets.
The method of claim 5, wherein the method further comprises:

The funds data and the traded product data between the main account and the sub-account are exchanged.
A single-account cross-market financial transaction device, comprising: a processing unit and a transaction interface unit,

The processing unit is configured to authenticate the user information, and after the authentication is passed, the transaction interface unit is triggered to enter a transaction interface corresponding to the different financial targets of the same product in the different financial markets corresponding to the user account; and is also used for the identification information according to the financial target. Obtaining display data matching the financial target; and also for performing a matching transaction on the commissioned transaction data;

The transaction interface unit is configured to enter a transaction interface corresponding to a different financial target of the same product on a different financial market corresponding to the user account; receive the identification information of the financial target currently required by the user for the transaction; and is also used to be associated with the financial target The matched display data is displayed on the transaction interface; and is also used for receiving the commission information of the financial target input by the user, and generating the commission transaction data.
The single-account cross-market financial transaction apparatus according to claim 8, wherein the display data matching the financial target comprises: the real-time transaction data of the financial target and the transaction currency fund data of the financial target.
The single-account cross-market financial transaction device according to claim 9, wherein the processing unit is specifically configured to acquire the transaction currency fund data of the financial target by:

Determining the transaction currency of the financial target according to the identification information of the financial target;

Determining whether the currency of the current fund data of the account is consistent with the transaction currency of the financial target;

If they are inconsistent, the existing fund data of the account is converted into the transaction currency data of the financial target according to the existing fund data of the account and the corresponding currency conversion exchange rate information;

If they are consistent, the existing fund data of the account is directly used as the transaction currency data of the financial target.
The single-account cross-market financial transaction device according to any one of claims 8 to 10, wherein the processing unit is specifically configured to trigger the transaction interface unit to enter a user account corresponding to the transaction for different financial markets by: The trading interface of different financial targets of the same product: the user information is authenticated, the authentication is passed, the user's main account is entered, the type of financial product that the user needs to trade is identified, and whether the financial product currently in need of transaction is determined under the main account The corresponding sub-account of the variety, if present, triggers the transaction interface unit to enter a transaction interface corresponding to the sub-account and used to trade different financial targets of the same product in different financial markets; if not, the new account is created under the main account. The sub-account corresponding to the variety of financial products currently required to be traded, triggers the transaction interface unit to enter a transaction interface corresponding to the sub-account and used to trade different financial targets of the same product in different financial markets.
The single-account cross-market financial transaction device of claim 11, wherein the processing unit is further configured to exchange the capital data and the traded product data between the primary account and the sub-account.
A storage medium characterized by storing a program for executing a single account cross-market financial transaction method according to any one of claims 1 to 7.