WO2018166100A1 - 金融交易管理系统、方法、存储介质和服务器 - Google Patents

金融交易管理系统、方法、存储介质和服务器 Download PDF

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Publication number
WO2018166100A1
WO2018166100A1 PCT/CN2017/090050 CN2017090050W WO2018166100A1 WO 2018166100 A1 WO2018166100 A1 WO 2018166100A1 CN 2017090050 W CN2017090050 W CN 2017090050W WO 2018166100 A1 WO2018166100 A1 WO 2018166100A1
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WO
WIPO (PCT)
Prior art keywords
account
transaction
request
dedicated
server
Prior art date
Application number
PCT/CN2017/090050
Other languages
English (en)
French (fr)
Inventor
刘星
蒋波
胡凯豪
仇一
Original Assignee
平安科技（深圳）有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 平安科技（深圳）有限公司 filed Critical 平安科技（深圳）有限公司
Priority to EP17847703.0A priority Critical patent/EP3598368A4/en
Priority to AU2017325594A priority patent/AU2017325594A1/en
Priority to KR1020187015575A priority patent/KR102056996B1/ko
Priority to JP2018517408A priority patent/JP6632717B2/ja
Priority to US16/077,033 priority patent/US20210182955A1/en
Priority to SG11201802269XA priority patent/SG11201802269XA/en
Publication of WO2018166100A1 publication Critical patent/WO2018166100A1/zh

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/018—Certifying business or products
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords

Definitions

  • the present invention relates to the field of information processing technologies, and in particular, to a financial transaction management system, method, storage medium, and server.
  • the customer can only complete the corresponding financial service based on the special account on the special account transaction interface. After the special account is more, it is easy to confuse the account name and account password of the special account, and the customer cannot complete the corresponding financial service based on the dedicated account and the account. The transaction is easy to cause property damage to the customer.
  • a financial transaction management system, method, storage medium and server are provided to solve the problem that information between different dedicated accounts in the prior art is independent of each other and is easily confused in the case of a large number of dedicated accounts.
  • the present invention provides a financial transaction management system, including a client terminal and a server; [0006] the client terminal is configured to receive an account login request input by a user, and send the account login request to The server; the account login request includes public account information and a dedicated account ID;
  • the server is configured to receive the account login request, and determine whether there is a dedicated account ID a corresponding dedicated account; the dedicated account is present, sending a first control signal to the client terminal
  • the client terminal is further configured to receive the first control signal and enter a dedicated account interface according to the first control signal, receive a first transaction request input by a user, and send the first transaction request to the Said server; said first transaction request comprising said dedicated account information and transaction information associated with a dedicated account ID;
  • the server is further configured to receive the first transaction request, and complete the transaction based on the first transaction request.
  • the present invention further provides a financial transaction management method, including:
  • the client terminal receives an account login request input by the user, and sends the account login request to the server;
  • the account login request includes public account information and a dedicated account ID;
  • the server receives the account login request, and determines whether there is a dedicated account corresponding to the dedicated account ID; and the dedicated account ⁇ sends a first control signal to the client terminal;
  • the client terminal receives the first control signal and enters a dedicated account interface according to the first control signal, receives a first transaction request input by the user, and sends the first transaction request to the server;
  • a transaction request includes the dedicated account information and transaction information associated with a dedicated account ID;
  • the server receives the first transaction request, completing the transaction based on the first transaction request.
  • the present invention provides a server, including a memory, a processor, and a computer program stored in the memory and operable on the processor, the processor executing the computer program to implement The steps performed by the server in the above financial transaction management method.
  • the present invention provides a computer readable storage medium, where the computer readable storage medium stores a computer program, and the computer program is executed by a processor to implement a server executed by the server in the foregoing financial transaction management method. step.
  • an account login request sent by a user to a server through a client terminal includes public account information and a dedicated account ID, in the server. There is a dedicated account corresponding to the dedicated account ID, and the first is sent to the client terminal.
  • a control signal is used to enable the client terminal to enter the dedicated account interface, and the transaction is completed based on the first transaction request on the dedicated account interface, and the transaction is not required to be separately registered through the dedicated account interface, and the operation process is simple and convenient, and the special account for forgetting is effectively avoided. Information or confusion with different dedicated account information occurs.
  • FIG. 1 is a schematic block diagram of a financial transaction management system in Embodiment 1 of the present invention.
  • FIG. 2 is a flowchart of a financial transaction management system in Embodiment 2 of the present invention.
  • FIG. 3 is a schematic diagram of a server according to an embodiment of the present invention.
  • FIG. 1 shows a financial transaction management system in the present embodiment.
  • the financial transaction management system can be applied to financial institutions to integrate financial management systems such as savings systems, loan systems, fund systems, securities systems, group trust systems, asset management systems, insurance systems, and wealth management systems to achieve multiple management. Information interconnection between systems.
  • the financial transaction management system includes a client terminal 10 and a server 20.
  • the client terminal 10 and the server 20 can be connected by a wireless network such as a WiFi network, a 3G network, and a 4G network, or a wired network.
  • the client terminal 10 includes but is not limited to a smart terminal such as a computer, a smart phone, or a PAD.
  • the client terminal 10 is configured to receive an account login request input by the user, and send an account login request to the server 20.
  • Account login requests include public account information and a dedicated account ID.
  • the public account information includes a public account, a public account password, a verification code, and the like; wherein, the public account and the public account password are accounts and passwords that the user has previously set up in the financial transaction management system.
  • a public account is associated with a user's ID number.
  • the verification code is randomly generated during the login process, and can be verified by the mobile phone or by the client terminal. In this embodiment, the user needs to complete the financial transaction management system in advance.
  • a dedicated account ID is associated with a dedicated account for pointing to the type of financial service the user is about to conduct a transaction.
  • the user can log in to the public account interface based on the public account information, and have the option to conduct transaction financial business types on the public account interface, such as savings, loans, funds, securities, group trust, asset management, insurance, and
  • financial business types such as savings, loans, funds, securities, group trust, asset management, insurance, and
  • users can enter the corresponding dedicated account ID when selecting any financial service type.
  • the user can click a selection button corresponding to any financial service type to output a corresponding account login request, and the account login request includes a dedicated account ID corresponding to the financial service. It can be understood that the user can input different account login requests by clicking corresponding selection buttons corresponding to different financial service types, and then perform transactions based on different account login requests.
  • the server 20 is configured to receive an account login request, and determine whether there is a dedicated account corresponding to the dedicated account ID; if there is a dedicated account, send a first control signal to the client terminal 10; if there is no dedicated account, A second control signal is sent to the client terminal 10.
  • the first control signal is a signal for controlling the client terminal 10 to enter the dedicated account interface
  • the second control signal is a signal for controlling the client terminal 10 to enter the public account interface.
  • Dedicated accounts include, but are not limited to, savings accounts, loan accounts, fund accounts, securities accounts, group trust accounts, asset management accounts, insurance accounts, and wealth management accounts that correspond to a dedicated account ID.
  • a dedicated account and a public account are associated with user information such as a user name, an ID number, an email address, a telephone number, and the like, and the dedicated account and the public account may be the same or different.
  • the client terminal 10 is further configured to receive the first control signal and enter the dedicated account interface according to the first control signal, receive the first transaction request input by the user, and send the first transaction request to the server. 20.
  • the first transaction request includes dedicated account information and transaction information associated with the dedicated account ID.
  • the dedicated account information includes a dedicated account and a dedicated account password, and the dedicated account and the dedicated account password are generated by the public account information and the dedicated account ID association, and the user does not need to input the user independently, so as to avoid the user confusing the corresponding dedicated account information, and continuously input the wrong related special account.
  • the account and the corresponding dedicated account password result in a password-free dedicated account interface.
  • Transaction information associated with a dedicated account ID may include Product ID, product name, transaction amount, and transaction quantity.
  • the product ID is a code set according to a preset encoding rule, and can be used to identify different trading products, so as to facilitate financial transactions.
  • the product ID is a stock code
  • the fund transaction the product ID is a fund. Code, etc.
  • an account association table is pre-stored in the user database of the server 20, and the account association table stores a user account association information, and a user account association information includes a public account information and at least one dedicated account. Dedicated account information associated with the ID.
  • the server 20 After receiving the account login request uploaded by the client terminal 20, the server 20 searches for the corresponding user account association information based on the public account information in the account login request, and searches for the corresponding dedicated account information based on the dedicated account ID in the account login request; If the corresponding dedicated account information exists, the first control signal is sent to the client terminal 10 to enable the client terminal 20 to enter the dedicated account interface; if the corresponding dedicated account information does not exist, the second control signal is sent to the client terminal 10 to Bring the client terminal into the public account interface.
  • the server 20 is further configured to receive the first transaction request and complete the transaction based on the first transaction request.
  • the server 20 enters a financial management system corresponding to the dedicated account based on the received first transaction request (including but not limited to a savings system, a loan system, a fund system, a securities system, a group management system, a asset management system, Insurance system and financial system), and complete the transaction based on the transaction information (including but not limited to product ID, product name, transaction amount and transaction quantity) associated with the dedicated account ID
  • the account login request sent by the user to the server 20 through the client terminal 10 includes public account information and a dedicated account ID
  • the server 20 has a dedicated account corresponding to the dedicated account ID, and transmits the first to the client terminal 10.
  • the control signal is such that the client terminal 10 directly enters a dedicated account interface corresponding to the dedicated account ID, and the transaction process is performed on the dedicated account interface, which is the same as the financial management process in which the customer logs in through the dedicated account information, and is based on the first transaction request.
  • the process of trading is also the same.
  • the user only needs to remember the public account information, and select the special account type of the transaction to be performed on the public account interface, determine the corresponding dedicated account ID, and input the corresponding account login.
  • the request in the case that there is dedicated account information corresponding to the dedicated account ID, can directly log in to the dedicated account interface, and the operation process is simple and convenient, and the financial risk of forgetting or confusing the dedicated account information can be avoided.
  • the client terminal 10 is configured to receive the second control signal and according to the second control signal.
  • the number enters the public account interface, receives a second transaction request entered by the user, and sends a second transaction request to the server 20; the second transaction request includes public account information and transaction information associated with the dedicated account ID.
  • the transaction information associated with the dedicated account ID may include information such as a product ID, a product name, a transaction amount, and a transaction amount.
  • the product ID is a code set according to a preset encoding rule, and can be used to identify different trading products, so as to facilitate financial transactions. For example, in a securities account, the product ID is a stock code, and in the fund transaction, the product ID is a fund. Code, etc.
  • the server 20 is configured to receive the second transaction request and complete the transaction based on the second transaction request.
  • the server 20 enters a management system corresponding to the dedicated account ID based on the public account information according to the receipt of the second transaction request (including but not limited to a savings system, a loan system, a fund system, a securities system, a group management system, a asset management system, and insurance The system and the financial system), and complete the transaction based on the transaction information associated with the dedicated account ID.
  • the account login request sent by the user to the server 20 through the client terminal 10 includes public account information and a dedicated account ID, and the server 20 does not have a dedicated account corresponding to the dedicated account ID, and sends the first account to the client terminal 10.
  • the second control signal is used to enable the client terminal 10 to enter the public account interface, and the transaction is completed directly based on the second transaction request in the public account interface, and any financial service can be completed on the public account interface without completing the account operation of multiple dedicated accounts in advance.
  • the transaction can avoid the problem of multiple accounts of multiple dedicated accounts, resulting in inefficiency and long-term problems.
  • the process of the server 20 completing the transaction based on the second transaction request includes:
  • the second transaction request is a transaction request entered on the public account interface.
  • the transaction information associated with the dedicated account ID in the second transaction request may include information such as a product ID, a product name, a transaction amount, and a transaction amount.
  • the product ID is used to define product attributes, and the product attributes can be product attributes such as savings, loans, funds, securities, group trust, asset management, insurance, and wealth management.
  • Exclusive products refer to products that are exclusively under a special account, and the corresponding qualification documents are required to purchase the exclusive products.
  • the qualification certificate corresponding to the exclusive product may be a qualification certificate file that the user uploads to the server 20 together with the public account information in the financial transaction management system, and is stored in the user database; The user is importing other special accounts to the financial transaction management system. ⁇ , a qualification document imported into the user database by other special accounts.
  • the qualification document is not stored, the supplementary file instruction is sent to the client terminal 10, and the qualification certificate file uploaded by the client terminal 10 based on the supplementary file instruction is received, and the transaction corresponding to the second transaction request is completed based on the public account information. It can be understood that if the product corresponding to the product ID in the second transaction request is a dedicated product and there is no qualification certificate corresponding to the exclusive product, the supplementary file instruction is sent to the client terminal 10, and the user can be based on the supplementary file instruction displayed by the client terminal 10.
  • the server 20 sends the corresponding qualification certificate to the server 20 through the client terminal 10; the server 20 receives the qualification certificate and after completing the verification of the qualification certificate, can complete the transaction of the exclusive product based on the second transaction request, without first completing the corresponding product
  • the account of the dedicated account can be traded, saving the balance of the account and simplifying the trading operation.
  • the server 20 stores the qualification certificate file uploaded by the user based on the supplementary file instruction in the user database, and the user can directly call after the next financial transaction, so that the client can complete the task without completing the corresponding dedicated account.
  • the same qualification document is required for the transaction of the exclusive product.
  • the transaction corresponding to the second transaction request is completed based on the public account information. It can be understood that if the product corresponding to the product ID in the second transaction request is not a dedicated product, the corresponding qualification document is not required, and after the transaction is performed based on the second transaction request, the transaction can be completed based on the public account information. If the product corresponding to the product ID in the second transaction request is a dedicated product but the qualification certificate corresponding to the exclusive product is stored, the qualification certificate may not be uploaded separately, and the transaction may be completed directly based on the public account information, without first completing the special corresponding to the exclusive product. The account of the account can be traded, saving money and simplifying trading operations.
  • the client terminal 10 is configured to receive a user-entered account request and send the account request to the server 20.
  • the tenant request includes public account information and qualification documents corresponding to the public account information.
  • the public account information includes a public account and a public account password; understandably, in the user account process, the user name, the ID number, the mailbox, the phone, and the like are also used to identify the identity of the user and the public account.
  • the information is stored in association to prevent the user from forgetting the public account information, and the public account and/or the public account password can be retrieved based on the identity information.
  • the qualification certificate file corresponding to the public account information includes a document for proving the identity information, such as a scanned copy of the ID card.
  • the server 20 is configured to receive a tenant request, and request a tenant (including public account information and corresponding Qualification documents are stored in the user database.
  • the server 20 can receive the plurality of user-entered account requests, and store each user's account request in the user database, and each account request is associated with the identity information such as the ID number, and is stored in the user database. ⁇ It is also stored based on identity information such as ID numbers to ensure its uniqueness.
  • identity information such as ID numbers to ensure its uniqueness.
  • the account-based request the account-related information is created based on the public account information in the tenant request, and the account-related information is associated with the qualification certificate.
  • the user sends a account request to the server 20 through the client terminal 10 to send the public account information and the qualification certificate to the server 20, and completes the process based on the public account information to enable the user to conduct the financial transaction.
  • the financial transaction management system can be logged in based on the public account information and the transaction can be completed. Specifically, the financial transaction management system may be logged into the public account information formed by the public account and the public account password, and the financial transaction management system may also be registered by using the identity card number and the mobile phone verification code to ensure the financial transaction management system. The diversity of logins, avoiding forgetting public account information and making it impossible to log in.
  • the client terminal 10 is further configured to receive a user input request and send a request to the server 20; wherein the account request includes a public Account information, at least one dedicated account information, and qualification documentation.
  • public account information includes public account and public account password.
  • Private account information includes a dedicated account and a dedicated account password that correspond to a dedicated account ID.
  • the qualification document includes not only the documents used to prove the identity information, such as the scanned copy of the ID card; but also the qualification documents required for the transaction of the product corresponding to the special account ID, such as proof of user identity, property, income, etc. file.
  • the server 20 is further configured to receive the account request, and store the account request (including the public account information, the at least one dedicated account information, and the qualification certificate) in the user database.
  • the server 20 can receive a plurality of user-entered account requests, each request for a user's account, and store the account request in the user database, and each account request is associated with identity information such as an identity card number. Stored in the user database is also stored based on identity information such as ID number to ensure its uniqueness.
  • identity information such as an identity card number
  • the account association information is created based on the public account information in the tenant request, and the account association information is not only stored in association with at least one dedicated account information, but also associated with the qualification certificate file. .
  • the user sends the account request to the server 20 through the client terminal 10 and saves the account request in the user database, since the account request includes public account information, at least one dedicated account information and qualification certificate.
  • the public account and the at least one dedicated account can be completed, and the accounts of the public account and the dedicated account can be received, saving the balance of the account and improving the efficiency of the account.
  • the user can also perform a dedicated account by clicking the add dedicated account button in the login interface of the client terminal 10.
  • the user can enter a special account and a special account password on the dedicated account account interface, and upload a qualification certificate corresponding to the dedicated account to input a special account account request.
  • the client terminal 10 After receiving the dedicated account account request entered by the user, the client terminal 10 transmits the dedicated account account request to the server 20.
  • the server 20 receives the special account account request and stores the dedicated account account request in the user database to complete the dedicated account account.
  • the dedicated account is not required to repeatedly upload the public account information and the corresponding qualification certificate required for the public account, but only the dedicated account information and the corresponding special qualification certificate, the door-to-door operation process is required. Simple and convenient, it can improve the efficiency of dedicated accounts and save multiple dedicated accounts.
  • the client terminal 10 is configured to receive an account import request input by the user, and send an account import request to the server 20; the account import request includes association with the public account information, including dedicated account information and Dedicated qualification documents.
  • the account import request refers to the special account settlement system in the deposit system, the loan system, the fund system, the securities system, the group management system, the asset management system, the insurance system, and the wealth management system.
  • the account information is imported into the financial transaction management system, and the dedicated account information is stored in association with the public account information.
  • the server 20 receives the account import request, and stores the account import request in the user database, so that the dedicated account information and the special qualification certificate are stored in association with the public account information.
  • the server 20 can receive a plurality of account import requests input by any user, and store the dedicated account information and the proprietary material certification files in the plurality of account import requests in the user database, and make the public account information and the at least one dedicated account The information and its corresponding dedicated qualification document are associated.
  • the user may input an account import request to the server 20 through the client terminal 10, so that the dedicated account information in the account import request and the corresponding qualification certificate file are stored in the user database, and Stored in association with public account information in the user database for easy access to financial transactions.
  • the user handles other special account accounts through the client terminal 10, and does not need to repeatedly input the special account information that has been imported into the user database through the account import request and the corresponding special qualification file, thereby effectively saving the dedicated account. Increase the efficiency of the tenants as needed.
  • a financial transaction management system if the user A performs the account in the financial transaction management system in advance, in the account association table stored in the user database, the user account associated information of the user A is stored, public The account is XXX, the corresponding public account password is 000001; and the customer A's securities special account in the securities system is YYY, and the corresponding securities special account password is 000002; the special account for the wealth management in the financial system is ⁇ , The corresponding financial account password is 000003; and the securities special account and the wealth management account are stored in association with the public account XXX. It can be understood that the securities special account and the wealth management account are stored in association with the public account XXX.
  • the dedicated account IDs corresponding to the types of financial services such as savings, loans, funds, securities, group trust, asset management, insurance, and wealth management are set to 001, 002, 003, 004, 005, 006, and 007.
  • the user A wants to subscribe for 10,000 shares of Ping An Bank [000001]
  • the user A can log in to the financial transaction management system based on the public account information at the client terminal 10, and through the client terminal 10
  • the server 20 sends an account login request, the public account of the account login information is XXX, the public account password is 000001, and the dedicated account ID is 004.
  • the server 20 queries whether the financial transaction management system stores a securities-specific account corresponding to the dedicated account ID 004 stored in association with the public account information, because the account association table of the server stores the public account.
  • the securities exclusive account YYY associated with the XXX after receiving the account login request, the server 20 may send a first control signal to the client terminal 10 to cause the client terminal 10 to enter the securities-specific account interface, and send the first to the server 20 through the client terminal 10.
  • a transaction request causes the server 20 to complete the corresponding stock transaction based on the first transaction request.
  • the user A can log in to the financial transaction management system based on the public account information at the client terminal 10, and send an account login request to the server 20 through the client terminal 10,
  • the public account for account login information is XXX
  • the public account password is 000001
  • the private account ID is 006.
  • the server 20 queries whether the special account ID 006 corresponding to the public account information is stored in the financial transaction management system, because The server's account association table does not store a corresponding insurance-specific account. Therefore, after receiving the account login request, the server 20 may send a second control signal to the client terminal 10 to cause the client terminal 20 to enter the public account interface. , complete the car loan transaction on the public account interface.
  • the user can send a second transaction request to the server 20 through the client terminal 10, so that the server 20 completes the corresponding car loan transaction based on the second transaction request.
  • the server 20 determines whether there is a dedicated account corresponding to the dedicated account ID, to determine whether the user has previously handled the account operation of the dedicated account corresponding to the dedicated account ID. .
  • the server 20 is further configured to control the client terminal 10 to directly jump to a dedicated account interface corresponding to the dedicated account after storing the dedicated account, and complete the transaction on the dedicated account interface, so that the user can be based on the account on the client terminal 10.
  • the special account completes the transaction, and there is no need to log in to the dedicated account interface through the dedicated account.
  • the operation process is simple and convenient, which can effectively save the login time of different dedicated accounts, and can avoid forgetting the special account and/or the special account password and causing the login failure.
  • the server 20 is further configured to jump to a public account interface corresponding to the public account without pre-storing a dedicated account, and complete the transaction on the public account interface, without performing the account operation of multiple dedicated accounts in advance, that is, The transaction of financial business can be completed on the public account interface, which can avoid the problem of low efficiency and long-term problems caused by repeated account settlement of multiple dedicated accounts.
  • the financial transaction management method is applied to a financial transaction management system, and the financial transaction management system is applied to a financial institution for integrating a savings system, a loan system, a fund system, a securities system, a group management system, a asset management system, an insurance system, and A management system such as a wealth management system to interconnect information between multiple management systems.
  • the financial transaction management system includes a client terminal 10 and a server 20.
  • the client terminal 10 and the server 20 can be connected by a wireless network such as a WiFi network, a 3G network, and a 4G network, or a wired network.
  • the client terminal 10 includes, but is not limited to, a smart terminal such as a computer, a smart phone, or a PAD.
  • the financial transaction management method includes:
  • S1 The client terminal 10 receives an account login request input by the user, and transmits an account login request to the server 20.
  • Account login requests include public account information and a dedicated account ID.
  • Public account information includes public accounts, public account passwords, verification codes, etc.; public accounts and public account passwords are user pre- Account and password in the financial transaction management system.
  • a public account is associated with a user's ID number.
  • the verification code is randomly generated during the login process, and can be verified by the mobile phone or by the client terminal. In this embodiment, the user needs to complete the door-to-door operation of the financial transaction management system in advance.
  • Public account information and associate the public account information with a dedicated account, so that the user can enter an account login request, and select which financial transaction to make.
  • a dedicated account ID is associated with a dedicated account for pointing to the type of financial service the user is about to conduct a transaction.
  • the user can log in to the public account interface based on the public account information, and have the option to conduct transaction financial business types on the public account interface, such as savings, loans, funds, securities, group trust, asset management, insurance, and
  • financial business types such as savings, loans, funds, securities, group trust, asset management, insurance, and
  • users can enter the corresponding dedicated account ID when selecting any financial service type.
  • the user can click a selection button corresponding to any financial service type to output a corresponding account login request, and the account login request includes a dedicated account ID corresponding to the financial service. It can be understood that the user can input different account login requests by clicking corresponding selection buttons corresponding to different financial service types, and then perform transactions based on different account login requests.
  • S2 the server 20 receives the account login request, and determines whether there is a dedicated account corresponding to the dedicated account ID; if there is a dedicated account, the first control signal is sent to the client terminal 10; if there is no dedicated account, then The client terminal 10 transmits a second control signal.
  • the first control signal is a signal for controlling the client terminal 10 to enter the dedicated account interface
  • the second control signal is a signal for controlling the client terminal 10 to enter the public account interface.
  • Dedicated accounts include, but are not limited to, savings accounts, loan accounts, fund accounts, securities accounts, group trust accounts, asset management accounts, insurance accounts, and wealth management accounts that correspond to a dedicated account ID.
  • the dedicated account and the public account are associated with user information such as user name, ID number, email address, telephone number, etc.
  • the dedicated account and the public account may be the same or different.
  • the client terminal 10 receives the first control signal and enters the dedicated account interface according to the first control signal, receives the first transaction request input by the user, and sends the first transaction request to the server 20.
  • the first transaction request includes dedicated account information and transaction information associated with the dedicated account ID.
  • the dedicated account information includes a dedicated account and a dedicated account password
  • the dedicated account and the dedicated account password pass the public account information and
  • the special account ID association is generated, and no user input is required, so as to avoid the user confusing the corresponding dedicated account information, continuously inputting the relevant dedicated account and the corresponding dedicated account password, resulting in the failure of the password corresponding corresponding account interface.
  • the transaction information associated with the dedicated account ID may include information such as a product ID, a product name, a transaction amount, and a transaction amount.
  • the product ID is a code set according to a preset encoding rule, and can be used to identify different trading products, so as to facilitate financial transactions. For example, in a securities account, the product ID is a stock code, and in the fund transaction, the product ID is a fund. Code, etc.
  • an account association table is pre-stored in the user database of the server 20, and the account association table stores a user account association information, and one user account association information includes a public account information and at least one dedicated account. Dedicated account information associated with the ID.
  • the server 20 After receiving the account login request uploaded by the client terminal 20, the server 20 searches for the corresponding user account association information based on the public account information in the account login request, and searches for the corresponding dedicated account information based on the dedicated account ID in the account login request; If the corresponding dedicated account information exists, the first control signal is sent to the client terminal 10 to enable the client terminal 20 to enter the dedicated account interface; if the corresponding dedicated account information does not exist, the second control signal is sent to the client terminal 10 to Bring the client terminal into the public account interface.
  • S4 The server 20 receives the first transaction request and completes the transaction based on the first transaction request.
  • the server 20 enters the financial management system corresponding to the dedicated account based on the received first transaction request (including but not limited to the savings system, the loan system, the fund system, the securities system, the group management system, the asset management system, The insurance system and the financial system) complete the transaction based on the transaction information (including but not limited to product ID, product name, transaction amount, and transaction quantity) associated with the dedicated account ID.
  • the account login request sent by the user to the server 20 through the client terminal 10 includes public account information and a dedicated account ID
  • the server 20 has a dedicated account corresponding to the dedicated account ID, and transmits the first to the client terminal 10.
  • the control signal is such that the client terminal 10 directly enters a dedicated account interface corresponding to the dedicated account ID, and the transaction process is performed on the dedicated account interface, which is the same as the financial management process in which the customer logs in through the dedicated account information, and is based on the first transaction request.
  • the process of trading is also the same.
  • the user only needs to remember the public account information, and select the special account type of the transaction to be performed on the public account interface, determine the corresponding dedicated account ID, and input the corresponding account login.
  • Request in the case that there is dedicated account information corresponding to the dedicated account ID, the special account interface can be directly logged in, the operation process is simple and convenient, and the special account can be avoided or confusing Financial risk of information.
  • the client terminal 10 receives the second control signal and enters the public account interface according to the second control signal, receives the second transaction request input by the user, and sends the second transaction request to the server 20; the second transaction request includes the public account.
  • Information and transaction information associated with a dedicated account ID may include information such as product ID, product name, transaction amount, and transaction amount.
  • the product ID is a code set according to a preset encoding rule, and can be used to identify different trading products, so as to facilitate financial transactions. For example, in a securities account, the product ID is a stock code, and in the fund transaction, the product ID is a fund. Code, etc.
  • S6 The server 20 receives the second transaction request and completes the transaction based on the second transaction request.
  • the server 20 enters a management system corresponding to the dedicated account ID based on the public account information according to the receipt of the second transaction request (including but not limited to a savings system, a loan system, a fund system, a securities system, a group management system, a asset management system, and insurance The system and the financial system), and complete the transaction based on the transaction information associated with the dedicated account ID.
  • the account login request sent by the user to the server 20 through the client terminal 10 includes public account information and a dedicated account ID, and the server 20 does not have a dedicated account corresponding to the dedicated account ID, and sends the first account to the client terminal 10.
  • the second control signal is used to enable the client terminal 10 to enter the public account interface, and the transaction is completed directly based on the second transaction request in the public account interface, and any financial service can be completed on the public account interface without completing the account operation of multiple dedicated accounts in advance.
  • the transaction can avoid the problem of multiple accounts of multiple dedicated accounts, resulting in inefficiency and long-term problems.
  • step S6 specifically includes the following steps:
  • S61 Determine whether the product corresponding to the product ID in the second transaction request is a dedicated product.
  • the second transaction request is a transaction request entered on the public account interface.
  • the transaction information associated with the dedicated account ID in the second transaction request may include information such as a product ID, a product name, a transaction amount, and a transaction amount.
  • the product ID is used to define product attributes, which can be product attributes such as savings, loans, funds, securities, group, asset management, insurance, and wealth management.
  • the exclusive product refers to the product that is exclusive to a special account. The corresponding qualification certificate is required to purchase the exclusive product.
  • the qualification certificate corresponding to the exclusive product may be that the user is in the
  • the financial transaction management system is linked to the public account information and uploaded to the server 20 and stored in the user database.
  • the user may also import other special accounts into the financial transaction management system.
  • the qualification document that the account is imported into the user database.
  • S63 If the qualification document is not stored, send a supplementary file instruction to the client terminal 10, and receive the qualification certificate file uploaded by the client terminal 10 based on the supplementary file instruction, and complete the transaction corresponding to the second transaction request based on the public account information. It can be understood that if the product corresponding to the product ID in the second transaction request is a dedicated product and there is no qualification certificate corresponding to the exclusive product, the supplementary file instruction is sent to the client terminal 10, and the user can be based on the supplementary file instruction displayed by the client terminal 10.
  • the server 20 sends the corresponding qualification certificate to the server 20 through the client terminal 10; the server 20 receives the qualification certificate and after completing the qualification certificate review, the transaction of the exclusive product can be completed based on the second transaction request, without first completing the exclusive product corresponding
  • the account of the dedicated account can be traded, saving the balance of the account and simplifying the trading operation.
  • the server 20 stores the qualification certificate file uploaded by the user based on the supplementary file instruction in the user database, and the user can directly call after the next financial transaction, so that the client can complete the task without completing the corresponding dedicated account.
  • the same qualification document is required for the transaction of the exclusive product.
  • S64 If there is a qualification certificate or the product corresponding to the product ID is not a dedicated product, the transaction corresponding to the second transaction request is completed based on the public account information. It can be understood that if the product corresponding to the product ID in the second transaction request is not a dedicated product, it is not necessary to obtain the corresponding qualification document, and after the transaction is based on the second transaction request, the transaction can be completed based on the public account information. If the product corresponding to the product ID in the second transaction request is a dedicated product but the qualification certificate corresponding to the exclusive product is stored, the qualification certificate may not be uploaded separately, and the transaction may be completed directly based on the public account information, without first completing the special corresponding to the exclusive product. The account of the account can be traded, saving money and simplifying trading operations.
  • the financial transaction management method provided by a specific embodiment further includes the following steps:
  • S71 The client terminal 10 receives the account request input by the user, and sends the account request to the server 20.
  • the tenant request includes public account information and qualification documents corresponding to the public account information.
  • the public account information includes a public account and a public account password; understandably, in the user account process, the user name, the ID number, the mailbox, the phone, and the like are also used to identify the identity of the user and the public account.
  • the information is stored in association to prevent the user from forgetting the public account information, and the public account and/or the public account password can be retrieved based on the identity information.
  • the qualification corresponding to the public account information The supporting documents include documents for proving identity information, such as scanned ID cards.
  • the server 20 receives the account request and stores the account request (including the public account information and its corresponding qualification certificate) in the user database.
  • the server 20 can receive the plurality of user-entered account requests, and store each user's account request in the user database, and each account request is associated with the identity information such as the ID number, and is stored in the user database. ⁇ It is also stored based on identity information such as ID numbers to ensure its uniqueness. Specifically, in the case of performing a account based on the account request, an account associated information is created based on the public account information in the user request, the account associated information being associated with the qualification document.
  • the user sends a account request to the server 20 through the client terminal 10 to send the public account information and the qualification certificate to the server 20, and completes the process based on the public account information to enable the user to conduct the financial transaction.
  • the financial transaction management system can be logged in based on the public account information and the transaction can be completed. Specifically, the financial transaction management system may be logged into the public account information formed by the public account and the public account password, and the financial transaction management system may also be registered by using the identity card number and the mobile phone verification code to ensure the financial transaction management system. The diversity of logins, avoiding forgetting public account information and making it impossible to log in.
  • the financial transaction management method further includes the following steps:
  • the client terminal 10 receives the account request input by the user, and sends the account request to the server 20; wherein the account request includes the public account information, the at least one dedicated account information, and the qualification certificate.
  • public account information includes public account and public account password.
  • Private account information includes a dedicated account and a dedicated account password that correspond to a dedicated account ID.
  • the qualification document includes not only the documents used to prove the identity information, such as the scanned copy of the ID card; but also the qualification documents required for the transaction of the product corresponding to the special account ID, such as proof of user identity, property, income, etc. file.
  • the server 20 receives the account request, and stores the account request (including the public account information, the at least one dedicated account information, and the qualification certificate) in the user database.
  • the server 20 can receive a plurality of user-entered account requests, each request for a user's account, and store the account request in the user database, and each account request is associated with identity information such as an identity card number. Stored in the user database is also stored based on identity information such as ID number to ensure its uniqueness.
  • identity information such as an identity card number
  • ID number such as ID number
  • the user sends the account request to the server 20 through the client terminal 10 and saves the account request in the user database, since the account request includes public account information, at least one dedicated account information and qualification certificate.
  • the public account and the at least one dedicated account can be completed, and the accounts of the public account and the dedicated account can be received, saving the balance of the account and improving the efficiency of the account.
  • the user may also perform a dedicated account by clicking the add dedicated account button in the login interface of the client terminal 10.
  • the user can enter a special account and a special account password on the dedicated account account interface, and upload a qualification certificate corresponding to the dedicated account to input a special account account request.
  • the client terminal 10 After receiving the dedicated account account request entered by the user, the client terminal 10 transmits the dedicated account account request to the server 20.
  • the server 20 receives the special account account request and stores the dedicated account account request in the user database to complete the dedicated account account.
  • the dedicated account is not required to repeatedly upload the public account information and the corresponding qualification certificate required for the public account, but only the dedicated account information and the corresponding special qualification certificate, the door-to-door operation process is required. Simple and convenient, it can improve the efficiency of dedicated accounts and save multiple dedicated accounts.
  • the financial transaction management method further includes the following steps:
  • the client terminal 10 receives the account import request input by the user, and sends an account import request to the server 20; the account import request includes association with the public account information, including the dedicated account information and the special qualification certificate.
  • the account import request refers to the special account settlement system in the deposit system, the loan system, the fund system, the securities system, the group management system, the asset management system, the insurance system, and the wealth management system.
  • the account information is imported into the financial transaction management system, and the dedicated account information is stored in association with the public account information.
  • the server 20 receives the account import request, and stores the account import request in the user database, so that the dedicated account information and the special qualification certificate are stored in association with the public account information.
  • the server 20 may receive a plurality of account import requests input by any user, and store the dedicated account information and the proprietary material certification files in the plurality of account import requests in the user database, and make the public account information and the at least one The dedicated account information and its corresponding dedicated qualification document are associated.
  • the user may input an account import request to the server 20 through the client terminal 10, so that the dedicated account information in the account import request and the corresponding qualification certificate file are stored in the user database, and the user profile is The public account information in the library is stored in association so that it can be called directly after the financial transaction. It can be understood that the user handles other special account accounts through the client terminal 10, and does not need to repeatedly input the special account information that has been imported into the user database through the account import request and the corresponding special qualification file, thereby effectively saving the dedicated account. Increase the efficiency of the tenants as needed.
  • a financial transaction management method if the user A performs the account in the financial transaction management system in advance, in the account association table stored in the user database, the user account associated information of the user A is stored, public The account is XXX, the corresponding public account password is 000001; and the customer A's securities special account in the securities system is YYY, and the corresponding securities special account password is 000002; the special account for the wealth management in the financial system is ⁇ , The corresponding financial account password is 000003; and the securities special account and the wealth management account are stored in association with the public account XXX. It can be understood that the securities special account and the wealth management account are stored in association with the public account XXX.
  • the dedicated account IDs corresponding to the types of financial services such as savings, loans, funds, securities, group trust, asset management, insurance, and wealth management are set to 001, 002, 003, 004, 005, 006, and 007.
  • the user A wants to subscribe for 10,000 shares of Ping An Bank [000001]
  • the user A can log in to the financial transaction management system based on the public account information at the client terminal 10, and through the client terminal 10
  • the server 20 sends an account login request, the public account of the account login information is XXX, the public account password is 000001, and the dedicated account ID is 004.
  • the server 20 queries whether the financial transaction management system stores a securities-specific account corresponding to the dedicated account ID 004 stored in association with the public account information, because the account association table of the server stores the public account.
  • the securities exclusive account YYY associated with the XXX after receiving the account login request, the server 20 may send a first control signal to the client terminal 10 to cause the client terminal 10 to enter the securities-specific account interface, and send the first to the server 20 through the client terminal 10.
  • a transaction request causes the server 20 to complete the corresponding stock transaction based on the first transaction request.
  • the user A can log in to the financial transaction management system based on the public account information at the client terminal 10, and send the account login to the server 20 through the client terminal 10.
  • the public account for the account login information is XXX
  • the public account password is 000001
  • the private account ID is 006.
  • the server 20 queries whether the insurance account corresponding to the private account information stored in the financial transaction management system has a dedicated account ID of 006, which is not stored in the account association table of the server.
  • the server 20 may send a second control signal to the client terminal 10 to enable the client terminal 20 to enter the public account interface and complete the car loan transaction on the public account interface.
  • the user can send a second transaction request to the server 20 through the client terminal 10, so that the server 20 completes the corresponding car loan transaction based on the second transaction request.
  • the server 20 determines whether there is a dedicated account corresponding to the dedicated account ID, to determine whether the user has previously handled the account operation of the dedicated account corresponding to the dedicated account ID. .
  • the server 20 is further configured to control the client terminal 10 to directly jump to a dedicated account interface corresponding to the dedicated account after storing the dedicated account, and complete the transaction on the dedicated account interface, so that the user can be based on the account on the client terminal 10.
  • the special account completes the transaction, and there is no need to log in to the dedicated account interface through the dedicated account.
  • the operation process is simple and convenient, which can effectively save the login time of different dedicated accounts, and can avoid forgetting the special account and/or the special account password and causing the login failure.
  • the server 20 is further configured to jump to a public account interface corresponding to the public account without pre-storing a dedicated account, and complete the transaction on the public account interface, without performing the account operation of multiple dedicated accounts in advance, that is, The transaction of financial business can be completed on the public account interface, which can avoid the problem of low efficiency and long-term problems caused by repeated account settlement of multiple dedicated accounts.
  • the server 3 of this embodiment includes: a processor 30, a memory 31, and a computer program 32 stored in the memory 31 and operable on the processor 30, for example, executing the financial transaction management method described above. program of.
  • the processor 30 executes the computer program 32 to implement the steps in the foregoing various financial transaction management method embodiments, for example, steps S1 to S6 shown in FIG.
  • the processor 30 executes the computer program 32 to implement the functions of the modules/units in the above-described respective device embodiments, such as the functions of the server 20 shown in FIG.
  • the computer program 32 may be divided into one or more modules/units, which are stored in the memory 31 and executed by the processor 30.
  • the one or more modules/units may be a series of computer programs capable of performing a specific function A sequence of instructions for describing the execution of the computer program 32 in the server 3.
  • the server 3 may be a computing device such as a local server or a cloud server.
  • the server may include, but is not limited to, a processor 30, a memory 31. It will be understood by those skilled in the art that FIG. 3 is only an example of the server 3, and does not constitute a limitation of the server 3. It may include more or less components than those illustrated, or some components may be combined, or different components, such as
  • the server may also include an input output device, a network access device, a bus, and the like.
  • the processor 30 may be a central processing unit (CPU), or may be another general-purpose processor, a digital signal processor (DSP), or an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), ready-to-use programmable gate array
  • CPU central processing unit
  • DSP digital signal processor
  • ASIC Application Specific Integrated Circuit
  • the general purpose processor may be a microprocessor or the processor or any conventional processor or the like.
  • the memory 31 may be an internal storage unit of the server 3, such as a hard disk or a memory of the server 3.
  • the memory 31 may also be an external storage device of the server 3, such as a plug-in hard disk, a smart memory card (SMC), and a secure digital (SD) card provided on the server 3. Flash card, etc.
  • the memory 31 may also include both an internal storage unit of the server 3 and an external storage device.
  • the memory 31 is used to store the computer program and other programs and data required by the server.
  • the memory 31 can also be used to temporarily store data that has been output or is about to be output.

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Abstract

一种金融交易管理系统、方法、存储介质和服务器。该系统包括客户终端和服务器；客户终端，用于接收用户输入的帐户登录请求发送给服务器；服务器，用于接收帐户登录请求，并判断是否存在与专用帐户ID相对应的专用帐户；存在专用帐户时，向客户终端发送第一控制信号；客户终端，还用于接收第一控制信号并根据第一控制信号进入专用帐户界面，接收用户输入的第一交易请求并将第一交易请求发送给服务器；第一交易请求包括专用帐户信息和与专用帐户ID相关联的交易信息；服务器，还用于接收第一交易请求，基于第一交易请求完成交易。该金融交易管理系统，无需另行通过该专用帐户登录专用帐户界面进行交易，其操作过程简单方便。

Description

发明名称：金融交易管理系统、 方法、 存储介质和服务器 技术领域
[0001] 本发明涉及信息处理技术领域， 尤其涉及一种金融交易管理系统、 方法、 存储 介质和服务器。
背景技术
[0002] 随着金融行业的发展， 金融机构给客户提供多种金融业务， 该金融业务包括但 不限于储蓄、 贷款、 基金、 证券、 团托、 资管、 保险和理财等。 当前金融机构 在给客户提供金融业务吋， 需客户幵通与金融业务相对应的专用帐户， 然后基 于该专用帐户进行相应的金融交易。 即客户在办理金融业务吋， 需根据其业务 需求完成储蓄帐户、 贷款帐户、 基金帐户、 证券帐户、 团托帐户、 资管帐户、 保险帐户和理财帐户等专用帐户的幵户操作， 才可基于专用帐户完成交易。 不 同专用帐户之间信息相互独立， 客户在办理多个专用帐户幵户吋， 需重复上传 幵户客户信息， 幵户效率低且耗吋长。 并且， 客户只能在专用帐户交易界面上 基于专用帐户才完成相应的金融业务， 在专用帐户较多吋， 容易混淆专用帐户 的帐户名和帐户密码， 导致客户无法基于专用帐户及吋完成相应金融业务的交 易， 容易对客户造成财产损失。
技术问题
[0003] 本发明一种金融交易管理系统、 方法、 存储介质和服务器， 以解决现有技术中 不同专用帐户之间信息相互独立， 在专用帐户较多的情况下容易混淆的问题。 问题的解决方案
技术解决方案
[0004] 本发明解决其技术问题所采用的技术方案是：
[0005] 第一方面， 本发明提供一种金融交易管理系统， 包括客户终端和服务器； [0006] 所述客户终端， 用于接收用户输入的帐户登录请求， 并将所述帐户登录请求发 送给所述服务器； 所述帐户登录请求包括公共帐户信息和专用帐户 ID;
[0007] 所述服务器， 用于接收所述帐户登录请求， 并判断是否存在与所述专用帐户 ID 相对应的专用帐户； 存在所述专用帐户吋， 向所述客户终端发送第一控制信号
[0008] 所述客户终端， 还用于接收所述第一控制信号并根据所述第一控制信号进入专 用帐户界面， 接收用户输入的第一交易请求并将所述第一交易请求发送给所述 服务器； 所述第一交易请求包括所述专用帐户信息和与专用帐户 ID相关联的交 易信息；
[0009] 所述服务器， 还用于接收所述第一交易请求， 基于所述第一交易请求完成交易 [0010] 第二方面， 本发明还提供一种金融交易管理方法， 包括：
[0011] 客户终端接收用户输入的帐户登录请求， 并将所述帐户登录请求发送给所述服 务器； 所述帐户登录请求包括公共帐户信息和专用帐户 ID;
[0012] 服务器接收所述帐户登录请求， 并判断是否存在与所述专用帐户 ID相对应的专 用帐户； 存在所述专用帐户吋， 向所述客户终端发送第一控制信号；
[0013] 客户终端接收所述第一控制信号并根据所述第一控制信号进入专用帐户界面， 接收用户输入的第一交易请求并将所述第一交易请求发送给所述服务器； 所述 第一交易请求包括所述专用帐户信息和与专用帐户 ID相关联的交易信息；
[0014] 服务器接收所述第一交易请求， 基于所述第一交易请求完成交易。
[0015] 第三方面， 本发明提供一种服务器， 包括存储器、 处理器以及存储在所述存储 器中并可在所述处理器上运行的计算机程序， 所述处理器执行所述计算机程序 吋实现上述的金融交易管理方法中服务器执行的步骤。
[0016] 第四方面， 本发明提供一种计算机可读存储介质， 所述计算机可读存储介质存 储有计算机程序， 所述计算机程序被处理器执行吋实现上述的金融交易管理方 法中服务器执行的步骤。
发明的有益效果
有益效果
[0017] 本发明与现有技术相比具有如下优点： 本发明所提供的金融交易管理系统及方 法中， 用户通过客户终端向服务器发送的帐户登录请求包括公共帐户信息和专 用帐户 ID， 在服务器存在与专用帐户 ID对应的专用帐户吋， 向客户终端发送第 一控制信号以使客户终端进入专用帐户界面， 在专用帐户界面上基于第一交易 请求完成交易， 无需另行通过该专用帐户登录专用帐户界面进行交易， 其操作 过程简单方便， 可有效避免遗忘专用帐户信息或混淆不同专用帐户信息的情况 发生。
对附图的简要说明
附图说明
[0018] 下面将结合附图及实施例对本发明作进一步说明， 附图中：
[0019] 图 1是本发明实施例 1中金融交易管理系统的一原理框图；
[0020] 图 2是本发明实施例 2中金融交易管理系统的一流程图；
[0021] 图 3为本发明一实施例提供的服务器的示意图。
本发明的实施方式
[0022] 为了对本发明的技术特征、 目的和效果有更加清楚的理解， 现对照附图详细说 明本发明的具体实施方式。
[0023] 实施例 1
[0024] 图 1示出本实施例中的金融交易管理系统。 该金融交易管理系统可应用在金融 机构上， 用于整合储蓄系统、 贷款系统、 基金系统、 证券系统、 团托系统、 资 管系统、 保险系统和理财系统等金融管理系统， 以实现多个管理系统之间信息 互联。 如图 1所示， 该金融交易管理系统包括客户终端 10和服务器 20。 其中， 客 户终端 10和服务器 20之间可通过 WiFi网络、 3G网络和 4G网络等无线网络或者有 线网络通信相连。 客户终端 10包括但不限于电脑、 智能手机、 PAD等智能终端
[0025] 客户终端 10， 用于接收用户输入的帐户登录请求， 并将帐户登录请求发送给服 务器 20。 帐户登录请求包括公共帐户信息和专用帐户 ID。 公共帐户信息包括公 共帐户、 公共帐户密码、 验证码等； 其中， 公共帐户和公共帐户密码是用户预 先在金融交易管理系统幵户的帐户及密码。 一般来说， 公共帐户与用户的身份 证号相关联。 验证码是在登录过程随机生成的， 可以是通过手机验证， 也可以 由客户终端自主生成的。 本实施例中， 用户需预先完成金融交易管理系统幵户 操作， 在幵户过程需不仅需填写用户姓名、 身份证号码、 邮箱、 电话等用户信 息， 还需预先设置公共帐户和公共帐户密码等公共帐户信息， 并将该公共帐户 信息与专用帐户相关联， 以使用户输入帐户登录请求吋， 可选择要进行哪种金 融交易。
[0026] 专用帐户 ID与专用帐户相关联， 用于指向用户所要进行交易的金融业务的类型 。 在进行金融交易吋， 用户可基于公共帐户信息登录到公共帐户界面， 在公共 帐户界面上设有可选择进行交易金融业务类型， 如储蓄、 贷款、 基金、 证券、 团托、 资管、 保险和理财等多个金融业务类型， 用户在选择任一金融业务类型 即可输入相应的专用帐户 ID。 具体地， 用户可点击任一金融业务类型对应的选 择按键， 即可输出对应的帐户登录请求， 该帐户登录请求包括与该金融业务对 应的专用帐户 ID。 可以理解地， 用户可通过点击不同的金融业务类型对应的选 择按键， 以分别输入不同的帐户登录请求， 再基于不同的帐户登录请求进行交 易。
[0027] 服务器 20， 用于接收帐户登录请求， 并判断是否存在与专用帐户 ID相对应的专 用帐户； 若存在专用帐户吋， 向客户终端 10发送第一控制信号； 若不存在专用 帐户， 则向客户终端 10发送第二控制信号。 其中， 第一控制信号是用于控制客 户终端 10进入专用帐户界面的信号， 第二控制信号是用于控制客户终端 10进入 公共帐户界面的信号。 专用帐户包括但不限于与专用帐户 ID相对应的储蓄帐户 、 贷款帐户、 基金帐户、 证券帐户、 团托帐户、 资管帐户、 保险帐户和理财帐 户。 专用帐户与公共帐户之间通过用户姓名、 身份证号码、 邮箱、 电话等用户 信息相关联， 专用帐户与公共帐户可以相同， 也可以不相同。
[0028] 在一具体实施方式中， 客户终端 10， 还用于接收第一控制信号并根据第一控制 信号进入专用帐户界面， 接收用户输入的第一交易请求并将第一交易请求发送 给服务器 20。 第一交易请求包括专用帐户信息和与专用帐户 ID相关联的交易信 息。 其中， 专用帐户信息包括专用帐户和专用帐户密码， 该专用帐户和专用帐 户密码通过公共帐户信息和专用帐户 ID关联生成， 无需用户自主输入， 以避免 用户混淆相应专用帐户信息， 连续输错相关专用帐户及对应的专用帐户密码， 导致无法密码相应的专用帐户界面。 与专用帐户 ID相关联的交易信息可以包括 产品 ID、 产品名称、 交易金额和交易数量等信息。 其中， 产品 ID为按预设编码 规则设置的代码， 可用于识别不同交易产品， 以便于进行金融交易， 如在证券 帐户中， 其产品 ID为股票代码， 在基金交易中， 其产品 ID为基金代码等。
[0029] 进一步地， 服务器 20的用户资料库中预先存储有帐户关联表， 该帐户关联表中 存储有一个用户帐户关联信息， 每天一用户帐户关联信息包括一公共帐户信息 和至少一个与专用帐户 ID相关联的专用帐户信息。 当服务器 20接收到客户终端 2 0上传的帐户登录请求吋， 基于帐户登录请求中的公共帐户信息査找对应的用户 帐户关联信息， 再基于帐户登录请求中的专用帐户 ID査找对应的专用帐户信息 ； 若存在对应的专用帐户信息， 则给客户终端 10发送第一控制信号， 以使客户 终端 20进入专用帐户界面； 若不存在对应的专用帐户信息， 则给客户终端 10发 送第二控制信号， 以使客户终端进入公共帐户界面。
[0030] 服务器 20， 还用于接收第一交易请求并基于第一交易请求完成交易。 服务器 20 根据接收到的第一交易请求， 基于专用帐户信息进入与专用帐户相对应的金融 管理系统 （包括但不限于储蓄系统、 贷款系统、 基金系统、 证券系统、 团托系 统、 资管系统、 保险系统和理财系统） ， 并基于与专用帐户 ID相关联的交易信 息 （包括但不限于产品 ID、 产品名称、 交易金额和交易数量等信息） 完成交易
[0031] 可以理解地， 用户通过客户终端 10向服务器 20发送的帐户登录请求包括公共帐 户信息和专用帐户 ID， 在服务器 20存在与专用帐户 ID对应的专用帐户吋， 向客 户终端 10发送第一控制信号， 以使客户终端 10直接进入与专用帐户 ID对应的专 用帐户界面， 在该专用帐户界面进行交易过程， 与客户通过专用帐户信息登录 相应的金融管理过程相同， 且基于第一交易请求进行交易的过程也相同。 可以 理解地， 在该金融交易管理系统中， 用户只需在记住公共帐户信息， 并在公共 帐户界面上选择所要进行交易的专用帐户类型， 确定对应的专用帐户 ID， 以输 入相应的帐户登录请求， 在存在与专用帐户 ID相对应的专用帐户信息的情况下 ， 可直接登录专用帐户界面， 操作过程简单方便， 可避免遗忘或混淆专用帐户 信息的金融风险。
[0032] 另一具体实施方式中， 客户终端 10， 用于接收第二控制信号并根据第二控制信 号进入公共帐户界面， 接收用户输入的第二交易请求并将第二交易请求发送给 服务器 20; 第二交易请求包括公共帐户信息和与专用帐户 ID相关联的交易信息 。 与专用帐户 ID相关联的交易信息可以包括产品 ID、 产品名称、 交易金额和交 易数量等信息。 其中， 产品 ID为按预设编码规则设置的代码， 可用于识别不同 交易产品， 以便于进行金融交易， 如在证券帐户中， 其产品 ID为股票代码， 在 基金交易中， 其产品 ID为基金代码等。
[0033] 服务器 20， 用于接收第二交易请求并基于第二交易请求完成交易。 服务器 20根 据接收到第二交易请求， 基于公共帐户信息进入与专用帐户 ID相对应的管理系 统 （包括但不限于储蓄系统、 贷款系统、 基金系统、 证券系统、 团托系统、 资 管系统、 保险系统和理财系统） ， 并基于与专用帐户 ID相关联的交易信息完成 交易。
[0034] 可以理解地， 用户通过客户终端 10向服务器 20发送的帐户登录请求包括公共帐 户信息和专用帐户 ID， 在服务器 20不存在与专用帐户 ID对应的专用帐户吋， 向 客户终端 10发送第二控制信号以使客户终端 10进入公共帐户界面， 并在公共帐 户界面直接基于第二交易请求完成交易， 无需预先完成多个专用帐户的幵户操 作， 即可在公共帐户界面上完成任意金融业务的交易， 可避免多个专用帐户的 重复幵户而导致效率低且耗吋长的问题出现。
[0035] 进一步地， 服务器 20基于第二交易请求完成交易的过程包括：
[0036] 判断第二交易请求中产品 ID对应的产品是否为专属产品。 其中， 第二交易请求 是在公共帐户界面上输入的交易请求。 第二交易请求中与与专用帐户 ID关联的 交易信息可以包括产品 ID、 产品名称、 交易金额和交易数量等信息。 其中， 产 品 ID用于限定产品属性， 产品属性可以为储蓄、 贷款、 基金、 证券、 团托、 资 管、 保险和理财等产品属性。 专属产品是指专属于某一专用帐户下的产品， 申 购该专属产品需提供对应的资质证明文件。
[0037] 若产品 ID对应的产品为专属产品， 则判断是否存储有与专属产品对应的资质证 明文件。 可以理解地， 该专属产品对应的资质证明文件可以是用户在该金融交 易管理系统幵户吋， 与公共帐户信息一并上传到服务器 20， 并存储在用户资料 库的资质证明文件； 也可以是用户在向该金融交易管理系统导入其他专用帐户 吋， 由其他专用帐户导入到用户资料库中的资质证明文件。
[0038] 若不存储有资质证明文件， 则向客户终端 10发送补充文件指令， 接收客户终端 10基于补充文件指令上传的资质证明文件， 基于公共帐户信息完成第二交易请 求对应的交易。 可以理解地， 若第二交易请求中产品 ID对应的产品为专属产品 且不存在与专属产品对应的资质证明文件， 向客户终端 10发送补充文件指令， 用户可基于客户终端 10显示的补充文件指令， 通过客户终端 10向服务器 20发送 对应的资质证明文件； 服务器 20接收资质证明文件并在完成资质证明文件审核 后， 可基于第二交易请求完成该专属产品的交易， 无需先完成专属产品对应的 专用帐户的幵户， 即可进行交易， 有效节省幵户吋间并简化交易操作。 可以理 解地， 服务器 20将用户基于补充文件指令上传的资质证明文件存储在用户资料 库中， 用户在进行下一次金融交易吋， 可直接调用， 使得客户无需完成相应的 专用帐户幵户即可完成需要同一资质证明文件对应专属产品的交易。
[0039] 若存在资质证明文件或者产品 ID对应的产品不为专属产品， 基于公共帐户信息 完成第二交易请求对应的交易。 可以理解地， 若第二交易请求中产品 ID对应的 产品不为专属产品， 无需获取相应的资质证明文件， 在基于第二交易请求进行 交易吋， 可基于公共帐户信息完成交易。 若第二交易请求中产品 ID对应的产品 为专属产品但存储有专属产品对应的资质证明文件， 无需另行上传资质证明文 件， 可直接基于公共帐户信息完成交易， 无需先完成与专属产品对应的专用帐 户的幵户即可进行交易， 有效节省幵户吋间并简化交易操作。
[0040] 在一具体实施方式所提供的金融交易管理系统中， 客户终端 10， 用于接收用户 输入的幵户请求， 并将幵户请求发送给服务器 20。 幵户请求包括公共帐户信息 和与公共帐户信息对应的资质证明文件。 其中， 公共帐户信息包括公共帐户和 公共帐户密码； 可以理解地， 在用户幵户过程中， 还需将用户姓名、 身份证号 码、 邮箱、 电话等用于唯一识别用户身份的身份信息与公共帐户信息关联存储 ， 以避免用户遗忘公共帐户信息吋， 可基于身份信息找回公共帐户和 /或公共帐 户密码。 本实施例中， 与公共帐户信息对应的资质证明文件包括用于证明身份 信息的文件， 如身份证扫描件等。
[0041] 服务器 20， 用于接收幵户请求， 并将幵户请求 （包括公共帐户信息及其对应的 资质证明文件） 存储在用户资料库中。 服务器 20可以接收多个用户输入的幵户 请求， 并将每一用户的幵户请求存储在用户资料库中， 每一幵户请求与身份证 号码等身份信息相关联， 在用户资料库中存储吋也基于身份证号码等身份信息 进行存储， 以确保其唯一性。 具体地， 在基于幵户请求进行幵户吋， 基于该幵 户请求中的公共帐户信息创建一帐户关联信息， 该帐户关联信息与资质证明文 件关联。
[0042] 可以理解地， 用户通过客户终端 10向服务器 20发送幵户请求， 以向服务器 20发 送公共帐户信息和资质证明文件， 完成基于公共帐户信息幵户的过程， 使用户 在进行金融交易吋， 可基于公共帐户信息登录该金融交易管理系统并完成交易 。 具体地， 可采用公共帐户和公共帐户密码所组成的公共帐户信息登录该金融 交易管理系统， 也可采用身份证号码和手机验证码的方式登录该金融交易管理 系统， 以保证该金融交易管理系统登录的多样性， 避免遗忘公共帐户信息而导 致无法登录。
[0043] 在另一具体实施方式所提供的金融交易管理系统中， 客户终端 10， 还用于接收 用户输入的幵户请求， 并将幵户请求发送给服务器 20; 其中， 幵户请求包括公 共帐户信息、 至少一个专用帐户信息和资质证明文件。 其中， 公共帐户信息包 括公共帐户和公共帐户密码。 专用帐户信息包括与专用帐户 ID对应的专用帐户 和专用帐户密码。 该资质证明文件不仅包括用于证明身份信息的文件， 如身份 证扫描件； 还包括与专用帐户 ID对应的产品进行交易吋需的资质证明文件， 如 用于证明用户身份、 财产、 收入等证明文件。
[0044] 服务器 20， 还用于接收幵户请求， 并将幵户请求 （包括公共帐户信息、 至少一 个专用帐户信息和资质证明文件） 存储在用户资料库中。 服务器 20可以接收多 个用户输入的幵户请求， 每接收到一用户的幵户请求， 并将该幵户请求存储在 用户资料库中， 每一幵户请求与身份证号码等身份信息相关联， 在用户资料库 中存储吋也基于身份证号码等身份信息进行存储， 以确保其唯一性。 具体地， 在基于幵户请求进行幵户吋， 基于该幵户请求中的公共帐户信息创建一帐户关 联信息， 该帐户关联信息不仅与至少一个专用帐户信息关联存储， 还与资质证 明文件相关联。 [0045] 可以理解地， 用户通过客户终端 10向服务器 20发送幵户请求并将幵户请求保存 在用户资料库吋， 由于该幵户请求包括公共帐户信息、 至少一个专用帐户信息 和资质证明文件， 使得服务器 20基于该幵户请求进行幵户操作吋， 可完成公共 帐户和至少一个专用帐户的幵户， 可接收公共帐户和专用帐户的幵户， 节省幵 户吋间， 提高幵户效率。
[0046] 在又一具体实施方式所提供的金融交易管理系统中， 服务器 20完成公共帐户幵 户后， 用户还可通过点击客户终端 10的登录界面中的增加专用帐户按键， 进行 专用帐户幵户界面， 用户可在专用帐户幵户界面上输入专用帐户和专用帐户密 码， 并上传与专用帐户对应的资质证明文件， 以输入专用帐户幵户请求。 客户 终端 10接收用户输入的专用帐户幵户请求后， 将该专用帐户幵户请求发送给服 务器 20。 服务器 20接收到的专用帐户幵户请求， 并将专用帐户幵户请求存储在 用户资料库中， 完成专用帐户幵户。 本实施例中， 专用帐户幵户吋， 无需重复 上传公共帐户幵户所需的公共帐户信息和相应的资质证明文件， 而只需输入专 用帐户信息及对应的专用资质证明文件， 幵户操作过程简单方便， 可提高专用 帐户幵户效率， 节省多个专用帐户幵户吋间。
[0047] 在一具体实施方式中， 客户终端 10， 用于接收用户输入的帐户导入请求， 并将 帐户导入请求发送给服务器 20; 帐户导入请求包括与公共帐户信息相关联， 包 括专用帐户信息和专用资质证明文件。 其中， 帐户导入请求是指预先在储蓄系 统、 贷款系统、 基金系统、 证券系统、 团托系统、 资管系统、 保险系统和理财 系统等管理系统完成专用帐户幵户后， 将已幵户的专用帐户信息导入该金融交 易管理系统中， 使专用帐户信息与公共帐户信息关联存储。
[0048] 服务器 20， 接收帐户导入请求， 并将帐户导入请求存储在用户资料库中， 使得 专用帐户信息和专用资质证明文件与公共帐户信息关联存储。 服务器 20可接收 任一用户输入的多个帐户导入请求， 并将多个帐户导入请求中的专用帐户信息 和专有资料证明文件存储在用户资料库中， 并使公共帐户信息与至少一个专用 帐户信息及其对应的专用资质证明文件相关联。
[0049] 本实施例中， 用户可通过客户终端 10向服务器 20输入帐户导入请求， 以使帐户 导入请求中的专用帐户信息及其对应的资质证明文件存储在用户资料库中， 并 与用户资料库中的公共帐户信息关联存储， 以便于在进行金融交易吋可直接调 用。 可以理解地， 用户通过客户终端 10办理其他专用帐户幵户吋， 无需重复输 入已通过帐户导入请求导入到用户资料库中的专用帐户信息及其对应的专用资 质文件， 可有效节省专用帐户幵户所需的吋间， 提高幵户效率。
[0050] 在一金融交易管理系统中， 若用户 A预先在该金融交易管理系统中进行幵户吋 ， 在用户资料库中存储的帐户关联表中， 存储用户 A的用户帐户关联信息中， 公 共帐户为 XXX， 对应的公共帐户密码为 000001 ; 且客户 A预先在证券系统幵户的 证券专用帐户为 YYY， 对应的证券专用帐户密码为 000002; 预先在理财系统幵 户的理财专用帐户为 ΖΖΖ， 对应的理财专用帐户密码为 000003; 并将证券专用帐 户 ΥΥΥ和理财专用帐户 ΖΖΖ与公共帐户 XXX关联存储， 可以理解地， 证券专用 帐户 ΥΥΥ和理财专用帐户 ΖΖΖ均与公共帐户 XXX关联存储。 若该金融交易管理 系统中， 将储蓄、 贷款、 基金、 证券、 团托、 资管、 保险和理财等金融业务类 型对应的专用帐户 ID分别设置为 001、 002、 003、 004、 005、 006和 007。
[0051] 以证券交易为例， 若用户 A想要申购平安银行 [000001]的股票 1万股， 则用户 A 可在客户终端 10基于公共帐户信息登录金融交易管理系统， 并通过客户终端 10 向服务器 20发送帐户登录请求， 该帐户登录信息的公共帐户为 XXX， 公共帐户 密码为 000001和专用帐户 ID为 004。 服务器 20接收到该帐户登录请求吋， 査询该 金融交易管理系统是否存储有与公共帐户信息关联存储的专用帐户 ID为 004对应 的证券专用帐户， 由于服务器的帐户关联表中存储有与公共帐户 XXX关联的证 券专用帐户 YYY， 服务器 20在接收到该帐户登录请求吋， 可向客户终端 10发送 第一控制信号， 以使客户终端 10进入证券专用帐户界面， 通过客户终端 10向服 务器 20发送第一交易请求， 使得服务器 20基于第一交易请求完成相应的股票交 易。
[0052] 以购买保险为例， 若用户 Α想要购买车贷， 则用户 A可在客户终端 10基于公共 帐户信息登录金融交易管理系统， 并通过客户终端 10向服务器 20发送帐户登录 请求， 该帐户登录信息的公共帐户为 XXX， 公共帐户密码为 000001和专用帐户 I D为 006。 服务器 20接收到该帐户登录信息吋， 査询该金融交易管理系统中是否 存储有与公共帐户信息关联存储的专用帐户 ID为 006对应的保险专用帐户， 由于 服务器的帐户关联表中没有存储有与相应的保险专用帐户， 因此， 服务器 20在 接收到该帐户登录请求吋， 可向客户终端 10发送第二控制信号， 以使客户终端 2 0进入公共帐户界面， 在公共帐户界面上完成车贷交易。 具体地， 在公共帐户界 面上， 用户可通过客户终端 10向服务器 20发送第二交易请求， 使得服务器 20基 于第二交易请求完成相应的车贷交易。
[0053] 本实施例所提供的金融交易管理系统中， 服务器 20判断是否存在与专用帐户 ID 相对应的专用帐户， 以确定该用户是否预先办理与专用帐户 ID相对应的专用帐 户的幵户操作。 服务器 20还用于在存储有专用帐户吋， 控制客户终端 10直接跳 转到与专用帐户对应的专用帐户界面， 并在专用帐户界面上完成交易， 使得用 户可在客户终端 10上基于已幵户的专用帐户完成交易， 无需另行通过该专用帐 户登录专用帐户界面， 操作过程简单方便， 可有效节省不同专用帐户的登录吋 间， 可避免遗忘专用帐户和 /或专用帐户密码而导致无法及吋登录专用帐户界面 进行交易的金融风险。 服务器 20还用于在没有预先存储有专用帐户吋， 则跳转 到与公共帐户相对应的公共帐户界面， 并在公共帐户界面上完成交易， 无需预 先完成多个专用帐户的幵户操作， 即可在公共帐户界面上完成金融业务的交易 ， 可避免多个专用帐户的重复幵户而导致效率低且耗吋长的问题出现。
[0054] 实施例 2
[0055] 图 2示出本实施例中的金融交易管理方法的流程图。 该金融交易管理方法应用 在一金融交易管理系统上， 金融交易管理系统应用在金融机构上， 用于整合储 蓄系统、 贷款系统、 基金系统、 证券系统、 团托系统、 资管系统、 保险系统和 理财系统等管理系统， 以实现多个管理系统之间信息互联。 如图 1所示， 该金融 交易管理系统包括客户终端 10和服务器 20。 其中， 客户终端 10和服务器 20之间 可通过 WiFi网络、 3G网络和 4G网络等无线网络或者有线网络通信相连。 客户终 端 10包括但不限于电脑、 智能手机、 PAD等智能终端。 如图 2所示， 该金融交易 管理方法包括：
[0056] S1 : 客户终端 10接收用户输入的帐户登录请求， 并将帐户登录请求发送给服务 器 20。 帐户登录请求包括公共帐户信息和专用帐户 ID。 公共帐户信息包括公共 帐户、 公共帐户密码、 验证码等； 其中， 公共帐户和公共帐户密码是用户预先 在金融交易管理系统幵户的帐户及密码。 一般来说， 公共帐户与用户的身份证 号相关联。 验证码是在登录过程随机生成的， 可以是通过手机验证， 也可以由 客户终端自主生成的。 本实施例中， 用户需预先完成金融交易管理系统幵户操 作， 在幵户过程需不仅需填写用户姓名、 身份证号码、 邮箱、 电话等用户信息 ， 还需预先设置公共帐户和公共帐户密码等公共帐户信息， 并将该公共帐户信 息与专用帐户相关联， 以使用户输入帐户登录请求吋， 可选择要进行哪种金融 交易。
[0057] 专用帐户 ID与专用帐户相关联， 用于指向用户所要进行交易的金融业务的类型 。 在进行金融交易吋， 用户可基于公共帐户信息登录到公共帐户界面， 在公共 帐户界面上设有可选择进行交易金融业务类型， 如储蓄、 贷款、 基金、 证券、 团托、 资管、 保险和理财等多个金融业务类型， 用户在选择任一金融业务类型 即可输入相应的专用帐户 ID。 具体地， 用户可点击任一金融业务类型对应的选 择按键， 即可输出对应的帐户登录请求， 该帐户登录请求包括与该金融业务对 应的专用帐户 ID。 可以理解地， 用户可通过点击不同的金融业务类型对应的选 择按键， 以分别输入不同的帐户登录请求， 再基于不同的帐户登录请求进行交 易。
[0058] S2: 服务器 20接收帐户登录请求， 并判断是否存在与专用帐户 ID相对应的专用 帐户； 若存在专用帐户吋， 向客户终端 10发送第一控制信号； 若不存在专用帐 户， 则向客户终端 10发送第二控制信号。 其中， 第一控制信号是用于控制客户 终端 10进入专用帐户界面的信号， 第二控制信号是用于控制客户终端 10进入公 共帐户界面的信号。 专用帐户包括但不限于与专用帐户 ID相对应的储蓄帐户、 贷款帐户、 基金帐户、 证券帐户、 团托帐户、 资管帐户、 保险帐户和理财帐户 。 专用帐户与公共帐户之间通过用户姓名、 身份证号码、 邮箱、 电话等用户信 息相关联， 专用帐户与公共帐户可以相同， 也可以不相同。
[0059] S3： 客户终端 10接收第一控制信号并根据第一控制信号进入专用帐户界面， 接 收用户输入的第一交易请求并将第一交易请求发送给服务器 20。 第一交易请求 包括专用帐户信息和与专用帐户 ID相关联的交易信息。 其中， 专用帐户信息包 括专用帐户和专用帐户密码， 该专用帐户和专用帐户密码通过公共帐户信息和 专用帐户 ID关联生成， 无需用户自主输入， 以避免用户混淆相应专用帐户信息 ， 连续输错相关专用帐户及对应的专用帐户密码， 导致无法密码相应的专用帐 户界面。 与专用帐户 ID相关联的交易信息可以包括产品 ID、 产品名称、 交易金 额和交易数量等信息。 其中， 产品 ID为按预设编码规则设置的代码， 可用于识 别不同交易产品， 以便于进行金融交易， 如在证券帐户中， 其产品 ID为股票代 码， 在基金交易中， 其产品 ID为基金代码等。
[0060] 进一步地， 服务器 20的用户资料库中预先存储有帐户关联表， 该帐户关联表中 存储有一个用户帐户关联信息， 每天一用户帐户关联信息包括一公共帐户信息 和至少一个与专用帐户 ID相关联的专用帐户信息。 当服务器 20接收到客户终端 2 0上传的帐户登录请求吋， 基于帐户登录请求中的公共帐户信息査找对应的用户 帐户关联信息， 再基于帐户登录请求中的专用帐户 ID査找对应的专用帐户信息 ； 若存在对应的专用帐户信息， 则给客户终端 10发送第一控制信号， 以使客户 终端 20进入专用帐户界面； 若不存在对应的专用帐户信息， 则给客户终端 10发 送第二控制信号， 以使客户终端进入公共帐户界面。
[0061] S4: 服务器 20接收第一交易请求并基于第一交易请求完成交易。 服务器 20根据 接收到的第一交易请求， 基于专用帐户信息进入与专用帐户相对应的金融管理 系统 （包括但不限于储蓄系统、 贷款系统、 基金系统、 证券系统、 团托系统、 资管系统、 保险系统和理财系统） ， 并基于与专用帐户 ID相关联的交易信息 （ 包括但不限于产品 ID、 产品名称、 交易金额和交易数量等信息） 完成交易。
[0062] 可以理解地， 用户通过客户终端 10向服务器 20发送的帐户登录请求包括公共帐 户信息和专用帐户 ID， 在服务器 20存在与专用帐户 ID对应的专用帐户吋， 向客 户终端 10发送第一控制信号， 以使客户终端 10直接进入与专用帐户 ID对应的专 用帐户界面， 在该专用帐户界面进行交易过程， 与客户通过专用帐户信息登录 相应的金融管理过程相同， 且基于第一交易请求进行交易的过程也相同。 可以 理解地， 在该金融交易管理系统中， 用户只需在记住公共帐户信息， 并在公共 帐户界面上选择所要进行交易的专用帐户类型， 确定对应的专用帐户 ID， 以输 入相应的帐户登录请求， 在存在与专用帐户 ID相对应的专用帐户信息的情况下 ， 可直接登录专用帐户界面， 操作过程简单方便， 可避免遗忘或混淆专用帐户 信息的金融风险。
[0063] S5: 客户终端 10接收第二控制信号并根据第二控制信号进入公共帐户界面， 接 收用户输入的第二交易请求并将第二交易请求发送给服务器 20; 第二交易请求 包括公共帐户信息和与专用帐户 ID相关联的交易信息。 与专用帐户 ID相关联的 交易信息可以包括产品 ID、 产品名称、 交易金额和交易数量等信息。 其中， 产 品 ID为按预设编码规则设置的代码， 可用于识别不同交易产品， 以便于进行金 融交易， 如在证券帐户中， 其产品 ID为股票代码， 在基金交易中， 其产品 ID为 基金代码等。
[0064] S6: 服务器 20接收第二交易请求并基于第二交易请求完成交易。 服务器 20根据 接收到第二交易请求， 基于公共帐户信息进入与专用帐户 ID相对应的管理系统 (包括但不限于储蓄系统、 贷款系统、 基金系统、 证券系统、 团托系统、 资管 系统、 保险系统和理财系统） ， 并基于与专用帐户 ID相关联的交易信息完成交 易。
[0065] 可以理解地， 用户通过客户终端 10向服务器 20发送的帐户登录请求包括公共帐 户信息和专用帐户 ID， 在服务器 20不存在与专用帐户 ID对应的专用帐户吋， 向 客户终端 10发送第二控制信号以使客户终端 10进入公共帐户界面， 并在公共帐 户界面直接基于第二交易请求完成交易， 无需预先完成多个专用帐户的幵户操 作， 即可在公共帐户界面上完成任意金融业务的交易， 可避免多个专用帐户的 重复幵户而导致效率低且耗吋长的问题出现。
[0066] 进一步地， 步骤 S6具体包括如下步骤：
[0067] S61 : 判断第二交易请求中产品 ID对应的产品是否为专属产品。 其中， 第二交 易请求是在公共帐户界面上输入的交易请求。 第二交易请求中与与专用帐户 ID 关联的交易信息可以包括产品 ID、 产品名称、 交易金额和交易数量等信息。 其 中， 产品 ID用于限定产品属性， 产品属性可以为储蓄、 贷款、 基金、 证券、 团 托、 资管、 保险和理财等产品属性。 专属产品是指专属于某一专用帐户下的产 品， 申购该专属产品需提供对应的资质证明文件。
[0068] S62: 若产品 ID对应的产品为专属产品， 则判断是否存储有与专属产品对应的 资质证明文件。 可以理解地， 该专属产品对应的资质证明文件可以是用户在该 金融交易管理系统幵户吋， 与公共帐户信息一并上传到服务器 20， 并存储在用 户资料库的资质证明文件； 也可以是用户在向该金融交易管理系统导入其他专 用帐户吋， 由其他专用帐户导入到用户资料库中的资质证明文件。
[0069] S63: 若不存储有资质证明文件， 则向客户终端 10发送补充文件指令， 接收客 户终端 10基于补充文件指令上传的资质证明文件， 基于公共帐户信息完成第二 交易请求对应的交易。 可以理解地， 若第二交易请求中产品 ID对应的产品为专 属产品且不存在与专属产品对应的资质证明文件， 向客户终端 10发送补充文件 指令， 用户可基于客户终端 10显示的补充文件指令， 通过客户终端 10向服务器 2 0发送对应的资质证明文件； 服务器 20接收资质证明文件并在完成资质证明文件 审核后， 可基于第二交易请求完成该专属产品的交易， 无需先完成专属产品对 应的专用帐户的幵户， 即可进行交易， 有效节省幵户吋间并简化交易操作。 可 以理解地， 服务器 20将用户基于补充文件指令上传的资质证明文件存储在用户 资料库中， 用户在进行下一次金融交易吋， 可直接调用， 使得客户无需完成相 应的专用帐户幵户即可完成需要同一资质证明文件对应专属产品的交易。
[0070] S64: 若存在资质证明文件或者产品 ID对应的产品不为专属产品， 基于公共帐 户信息完成第二交易请求对应的交易。 可以理解地， 若第二交易请求中产品 ID 对应的产品不为专属产品， 无需获取相应的资质证明文件， 在基于第二交易请 求进行交易吋， 可基于公共帐户信息完成交易。 若第二交易请求中产品 ID对应 的产品为专属产品但存储有专属产品对应的资质证明文件， 无需另行上传资质 证明文件， 可直接基于公共帐户信息完成交易， 无需先完成与专属产品对应的 专用帐户的幵户即可进行交易， 有效节省幵户吋间并简化交易操作。
[0071] 在一具体实施方式所提供的金融交易管理方法， 还包括如下步骤：
[0072] S71 : 客户终端 10接收用户输入的幵户请求， 并将幵户请求发送给服务器 20。
幵户请求包括公共帐户信息和与公共帐户信息对应的资质证明文件。 其中， 公 共帐户信息包括公共帐户和公共帐户密码； 可以理解地， 在用户幵户过程中， 还需将用户姓名、 身份证号码、 邮箱、 电话等用于唯一识别用户身份的身份信 息与公共帐户信息关联存储， 以避免用户遗忘公共帐户信息吋， 可基于身份信 息找回公共帐户和 /或公共帐户密码。 本实施例中， 与公共帐户信息对应的资质 证明文件包括用于证明身份信息的文件， 如身份证扫描件等。
[0073] S72: 服务器 20接收幵户请求， 并将幵户请求 （包括公共帐户信息及其对应的 资质证明文件） 存储在用户资料库中。 服务器 20可以接收多个用户输入的幵户 请求， 并将每一用户的幵户请求存储在用户资料库中， 每一幵户请求与身份证 号码等身份信息相关联， 在用户资料库中存储吋也基于身份证号码等身份信息 进行存储， 以确保其唯一性。 具体地， 在基于幵户请求进行幵户吋， 基于该幵 户请求中的公共帐户信息创建一帐户关联信息， 该帐户关联信息与资质证明文 件关联。
[0074] 可以理解地， 用户通过客户终端 10向服务器 20发送幵户请求， 以向服务器 20发 送公共帐户信息和资质证明文件， 完成基于公共帐户信息幵户的过程， 使用户 在进行金融交易吋， 可基于公共帐户信息登录该金融交易管理系统并完成交易 。 具体地， 可采用公共帐户和公共帐户密码所组成的公共帐户信息登录该金融 交易管理系统， 也可采用身份证号码和手机验证码的方式登录该金融交易管理 系统， 以保证该金融交易管理系统登录的多样性， 避免遗忘公共帐户信息而导 致无法登录。
[0075] 在另一具体实施方式所提供的金融交易管理方法， 还包括如下步骤：
[0076] S81 : 客户终端 10接收用户输入的幵户请求， 并将幵户请求发送给服务器 20; 其中， 幵户请求包括公共帐户信息、 至少一个专用帐户信息和资质证明文件。 其中， 公共帐户信息包括公共帐户和公共帐户密码。 专用帐户信息包括与专用 帐户 ID对应的专用帐户和专用帐户密码。 该资质证明文件不仅包括用于证明身 份信息的文件， 如身份证扫描件； 还包括与专用帐户 ID对应的产品进行交易吋 需的资质证明文件， 如用于证明用户身份、 财产、 收入等证明文件。
[0077] S82: 服务器 20接收幵户请求， 并将幵户请求 （包括公共帐户信息、 至少一个 专用帐户信息和资质证明文件） 存储在用户资料库中。 服务器 20可以接收多个 用户输入的幵户请求， 每接收到一用户的幵户请求， 并将该幵户请求存储在用 户资料库中， 每一幵户请求与身份证号码等身份信息相关联， 在用户资料库中 存储吋也基于身份证号码等身份信息进行存储， 以确保其唯一性。 具体地， 在 基于幵户请求进行幵户吋， 基于该幵户请求中的公共帐户信息创建一帐户关联 信息， 该帐户关联信息不仅与至少一个专用帐户信息关联存储， 还与资质证明 文件相关联。
[0078] 可以理解地， 用户通过客户终端 10向服务器 20发送幵户请求并将幵户请求保存 在用户资料库吋， 由于该幵户请求包括公共帐户信息、 至少一个专用帐户信息 和资质证明文件， 使得服务器 20基于该幵户请求进行幵户操作吋， 可完成公共 帐户和至少一个专用帐户的幵户， 可接收公共帐户和专用帐户的幵户， 节省幵 户吋间， 提高幵户效率。
[0079] 在又一具体实施方式所提供的金融交易管理方法中， 服务器 20完成公共帐户幵 户后， 用户还可通过点击客户终端 10的登录界面中的增加专用帐户按键， 进行 专用帐户幵户界面， 用户可在专用帐户幵户界面上输入专用帐户和专用帐户密 码， 并上传与专用帐户对应的资质证明文件， 以输入专用帐户幵户请求。 客户 终端 10接收用户输入的专用帐户幵户请求后， 将该专用帐户幵户请求发送给服 务器 20。 服务器 20接收到的专用帐户幵户请求， 并将专用帐户幵户请求存储在 用户资料库中， 完成专用帐户幵户。 本实施例中， 专用帐户幵户吋， 无需重复 上传公共帐户幵户所需的公共帐户信息和相应的资质证明文件， 而只需输入专 用帐户信息及对应的专用资质证明文件， 幵户操作过程简单方便， 可提高专用 帐户幵户效率， 节省多个专用帐户幵户吋间。
[0080] 在一具体实施方式中， 该金融交易管理方法还包括如下步骤：
[0081] S91 : 客户终端 10接收用户输入的帐户导入请求， 并将帐户导入请求发送给服 务器 20; 帐户导入请求包括与公共帐户信息相关联， 包括专用帐户信息和专用 资质证明文件。 其中， 帐户导入请求是指预先在储蓄系统、 贷款系统、 基金系 统、 证券系统、 团托系统、 资管系统、 保险系统和理财系统等管理系统完成专 用帐户幵户后， 将已幵户的专用帐户信息导入该金融交易管理系统中， 使专用 帐户信息与公共帐户信息关联存储。
[0082] S92: 服务器 20接收帐户导入请求， 并将帐户导入请求存储在用户资料库中， 使得专用帐户信息和专用资质证明文件与公共帐户信息关联存储。 服务器 20可 接收任一用户输入的多个帐户导入请求， 并将多个帐户导入请求中的专用帐户 信息和专有资料证明文件存储在用户资料库中， 并使公共帐户信息与至少一个 专用帐户信息及其对应的专用资质证明文件相关联。
[0083] 本实施例中， 用户可通过客户终端 10向服务器 20输入帐户导入请求， 以使帐户 导入请求中的专用帐户信息及其对应的资质证明文件存储在用户资料库中， 并 与用户资料库中的公共帐户信息关联存储， 以便于在进行金融交易吋可直接调 用。 可以理解地， 用户通过客户终端 10办理其他专用帐户幵户吋， 无需重复输 入已通过帐户导入请求导入到用户资料库中的专用帐户信息及其对应的专用资 质文件， 可有效节省专用帐户幵户所需的吋间， 提高幵户效率。
[0084] 在一金融交易管理方法中， 若用户 A预先在该金融交易管理系统中进行幵户吋 ， 在用户资料库中存储的帐户关联表中， 存储用户 A的用户帐户关联信息中， 公 共帐户为 XXX， 对应的公共帐户密码为 000001 ; 且客户 A预先在证券系统幵户的 证券专用帐户为 YYY， 对应的证券专用帐户密码为 000002; 预先在理财系统幵 户的理财专用帐户为 ΖΖΖ， 对应的理财专用帐户密码为 000003; 并将证券专用帐 户 ΥΥΥ和理财专用帐户 ΖΖΖ与公共帐户 XXX关联存储， 可以理解地， 证券专用 帐户 ΥΥΥ和理财专用帐户 ΖΖΖ均与公共帐户 XXX关联存储。 若该金融交易管理 系统中， 将储蓄、 贷款、 基金、 证券、 团托、 资管、 保险和理财等金融业务类 型对应的专用帐户 ID分别设置为 001、 002、 003、 004、 005、 006和 007。
[0085] 以证券交易为例， 若用户 A想要申购平安银行 [000001]的股票 1万股， 则用户 A 可在客户终端 10基于公共帐户信息登录金融交易管理系统， 并通过客户终端 10 向服务器 20发送帐户登录请求， 该帐户登录信息的公共帐户为 XXX， 公共帐户 密码为 000001和专用帐户 ID为 004。 服务器 20接收到该帐户登录请求吋， 査询该 金融交易管理系统是否存储有与公共帐户信息关联存储的专用帐户 ID为 004对应 的证券专用帐户， 由于服务器的帐户关联表中存储有与公共帐户 XXX关联的证 券专用帐户 YYY， 服务器 20在接收到该帐户登录请求吋， 可向客户终端 10发送 第一控制信号， 以使客户终端 10进入证券专用帐户界面， 通过客户终端 10向服 务器 20发送第一交易请求， 使得服务器 20基于第一交易请求完成相应的股票交 易。
[0086] 以购买保险为例， 若用户 Α想要购买车贷， 则用户 A可在客户终端 10基于公共 帐户信息登录金融交易管理系统， 并通过客户终端 10向服务器 20发送帐户登录 请求， 该帐户登录信息的公共帐户为 XXX， 公共帐户密码为 000001和专用帐户 I D为 006。 服务器 20接收到该帐户登录信息吋， 査询该金融交易管理系统中是否 存储有与公共帐户信息关联存储的专用帐户 ID为 006对应的保险专用帐户， 由于 服务器的帐户关联表中没有存储有与相应的保险专用帐户， 因此， 服务器 20在 接收到该帐户登录请求吋， 可向客户终端 10发送第二控制信号， 以使客户终端 2 0进入公共帐户界面， 在公共帐户界面上完成车贷交易。 具体地， 在公共帐户界 面上， 用户可通过客户终端 10向服务器 20发送第二交易请求， 使得服务器 20基 于第二交易请求完成相应的车贷交易。
[0087] 本实施例所提供的金融交易管理方法中， 服务器 20判断是否存在与专用帐户 ID 相对应的专用帐户， 以确定该用户是否预先办理与专用帐户 ID相对应的专用帐 户的幵户操作。 服务器 20还用于在存储有专用帐户吋， 控制客户终端 10直接跳 转到与专用帐户对应的专用帐户界面， 并在专用帐户界面上完成交易， 使得用 户可在客户终端 10上基于已幵户的专用帐户完成交易， 无需另行通过该专用帐 户登录专用帐户界面， 操作过程简单方便， 可有效节省不同专用帐户的登录吋 间， 可避免遗忘专用帐户和 /或专用帐户密码而导致无法及吋登录专用帐户界面 进行交易的金融风险。 服务器 20还用于在没有预先存储有专用帐户吋， 则跳转 到与公共帐户相对应的公共帐户界面， 并在公共帐户界面上完成交易， 无需预 先完成多个专用帐户的幵户操作， 即可在公共帐户界面上完成金融业务的交易 ， 可避免多个专用帐户的重复幵户而导致效率低且耗吋长的问题出现。
[0088] 图 3是本发明一实施例提供的服务器的示意图。 如图 3所示， 该实施例的服务器 3包括： 处理器 30、 存储器 31以及存储在所述存储器 31中并可在所述处理器 30上 运行的计算机程序 32， 例如执行上述金融交易管理方法的程序。 所述处理器 30 执行所述计算机程序 32吋实现上述各个金融交易管理方法实施例中的步骤， 例 如图 2所示的步骤 S1至 S6。 或者， 所述处理器 30执行所述计算机程序 32吋实现上 述各装置实施例中各模块 /单元的功能， 例如图 1所示服务器 20的功能。
[0089] 示例性的， 所述计算机程序 32可以被分割成一个或多个模块 /单元， 所述一个 或者多个模块 /单元被存储在所述存储器 31中， 并由所述处理器 30执行， 以完成 本发明。 所述一个或多个模块 /单元可以是能够完成特定功能的一系列计算机程 序指令段， 该指令段用于描述所述计算机程序 32在所述服务器 3中的执行过程。
[0090] 所述服务器 3可以是本地服务器、 云端服务器等计算设备。 所述服务器可包括 ， 但不仅限于， 处理器 30、 存储器 31。 本领域技术人员可以理解， 图 3仅仅是服 务器 3的示例， 并不构成对服务器 3的限定， 可以包括比图示更多或更少的部件 ， 或者组合某些部件， 或者不同的部件， 例如所述服务器还可以包括输入输出 设备、 网络接入设备、 总线等。
[0091] 所述处理器 30可以是中央处理单元 (Central Processing Unit, CPU) , 还可以是其 他通用处理器、 数字信号处理器（Digital Signal Processor, DSP)、 专用集成电路 (Application Specific Integrated Circuit， ASIC)、 现成可编程门阵列
(Field-Programmable Gate Array , FPGA)或者其他可编程逻辑器件、 分立门或者 晶体管逻辑器件、 分立硬件组件等。 通用处理器可以是微处理器或者该处理器 也可以是任何常规的处理器等。
[0092] 所述存储器 31可以是所述服务器 3的内部存储单元， 例如服务器 3的硬盘或内存 。 所述存储器 31也可以是所述服务器 3的外部存储设备， 例如所述服务器 3上配 备的插接式硬盘， 智能存储卡 （Smart Media Card, SMC) ， 安全数字 （Secure Digital, SD) 卡， 闪存卡 （Flash Card) 等。 进一步地， 所述存储器 31还可以既包 括所述服务器 3的内部存储单元也包括外部存储设备。 所述存储器 31用于存储所 述计算机程序以及所述服务器所需的其他程序和数据。 所述存储器 31还可以用 于暂吋地存储已经输出或者将要输出的数据。
[0093] 本发明是通过上述具体实施例进行说明的， 本领域技术人员应当明白， 在不脱 离本发明范围的情况下， 还可以对本发明进行各种变换和等同替代。 另外， 针 对特定情形或具体情况， 可以对本发明做各种修改， 而不脱离本发明的范围。 因此， 本发明不局限于所公幵的具体实施例， 而应当包括落入本发明权利要求 范围内的全部实施方式。
[0094]

Claims

权利要求书
[权利要求 1] 一种金融交易管理系统， 其特征在于， 包括客户终端和服务器； 所述客户终端， 用于接收用户输入的帐户登录请求， 并将所述帐户登 录请求发送给所述服务器； 所述帐户登录请求包括公共帐户信息和专 用帐户 ID;
所述服务器， 用于接收所述帐户登录请求， 并判断是否存在与所述专 用帐户 ID相对应的专用帐户； 存在所述专用帐户吋， 向所述客户终端 发送第一控制信号；
所述客户终端， 还用于接收所述第一控制信号并根据所述第一控制信 号进入专用帐户界面， 接收用户输入的第一交易请求并将所述第一交 易请求发送给所述服务器； 所述第一交易请求包括所述专用帐户信息 和与专用帐户 ID相关联的交易信息；
所述服务器， 还用于接收所述第一交易请求， 基于所述第一交易请求 完成交易。
[权利要求 2] 根据权利要求 1所述的金融交易管理系统， 其特征在于， 还包括： 所述服务器， 用于在不存在与所述专用帐户 ID相对应的所述专用帐户 ， 则向所述客户终端发送第二控制信号；
所述客户终端， 用于接收所述第二控制信号并根据所述第二控制信号 进入公共帐户界面， 接收用户输入的第二交易请求并将所述第二交易 请求发送给所述服务器； 所述第二交易请求包括所述公共帐户信息和 与专用帐户 ID相关联的交易信息；
所述服务器， 用于接收所述第二交易请求， 基于所述第二交易请求完 成交易。
[权利要求 3] 根据权利要求 2所述的金融交易管理系统， 其特征在于， 所述交易信 息包括产品 ID;
所述基于所述第二交易请求完成交易， 包括：
判断所述第二交易请求中产品 ID对应的产品是否为专属产品； 若产品 ID对应的产品为专属产品， 则判断是否存储有与所述专属产品 对应的资质证明文件；
若不存储有所述资质证明文件， 则向所述客户终端发送补充文件指令 ， 接收所述客户终端基于所述补充文件指令上传的所述资质证明文件 ， 基于所述公共帐户信息完成第二交易请求对应的交易；
若存在所述资质证明文件或者产品 ID对应的产品不为专属产品， 基于 所述公共帐户信息完成第二交易请求对应的交易。
[权利要求 4] 根据权利要求 3所述的金融交易管理系统， 其特征在于， 还包括： 所述客户终端， 用于接收用户输入的幵户请求， 并将所述幵户请求发 送给所述服务器； 所述幵户请求包括所述公共帐户信息和 /或至少一 个所述专用帐户信息， 还包括所述资质证明文件； 所述服务器， 用于接收所述幵户请求， 并将所述幵户请求存储在用户 资料库中。
[权利要求 5] 根据权利要求 4所述的金融交易管理系统， 其特征在于， 还包括： 所述客户终端， 用于接收用户输入的帐户导入请求， 并将所述帐户导 入请求发送给所述服务器； 所述帐户导入请求与所述公共帐户信息相 关联， 包括专用帐户信息和专用资质证明文件； 所述服务器， 用于接收所述帐户导入请求， 并将所述帐户导入请求存 储在所述用户资料库中， 使得所述专用帐户信息和所述专用资质证明 文件与所述公共帐户信息关联存储。
[权利要求 6] —种金融交易管理方法， 其特征在于， 包括：
客户终端接收用户输入的帐户登录请求， 并将所述帐户登录请求发送 给所述服务器； 所述帐户登录请求包括公共帐户信息和专用帐户 ID; 服务器接收所述帐户登录请求， 并判断是否存在与所述专用帐户 ID相 对应的专用帐户； 存在所述专用帐户吋， 向所述客户终端发送第一控 制信号；
客户终端接收所述第一控制信号并根据所述第一控制信号进入专用帐 户界面， 接收用户输入的第一交易请求并将所述第一交易请求发送给 所述服务器； 所述第一交易请求包括所述专用帐户信息和与专用帐户 ID相关联的交易信息；
服务器接收所述第一交易请求， 基于所述第一交易请求完成交易。 根据权利要求 6所述的金融交易管理方法， 其特征在于， 还包括： 所述服务器在不存在与所述专用帐户 ID相对应的所述专用帐户， 则向 所述客户终端发送第二控制信号；
所述客户终端接收所述第二控制信号并根据所述第二控制信号进入公 共帐户界面， 接收用户输入的第二交易请求并将所述第二交易请求发 送给所述服务器； 所述第二交易请求包括所述公共帐户信息和与专用 帐户 ID相关联的交易信息；
所述服务器接收所述第二交易请求， 基于所述第二交易请求完成交易 根据权利要求 7所述的金融交易管理方法， 其特征在于， 所述交易信 息包括产品 ID;
所述基于所述第二交易请求完成交易， 包括：
判断所述第二交易请求中产品 ID对应的产品是否为专属产品； 若产品 ID对应的产品为专属产品， 则判断是否存储有与所述专属产品 对应的资质证明文件；
若不存储有所述资质证明文件， 则向所述客户终端发送补充文件指令
， 接收所述客户终端基于所述补充文件指令上传的所述资质证明文件
， 基于所述公共帐户信息完成第二交易请求对应的交易；
若存在所述资质证明文件或者产品 ID对应的产品不为专属产品， 基于 所述公共帐户信息完成第二交易请求对应的交易。
根据权利要求 8所述的金融交易管理方法， 其特征在于， 还包括： 所述客户终端接收用户输入的幵户请求， 并将所述幵户请求发送给所 述服务器； 所述幵户请求包括所述公共帐户信息和 /或至少一个所述 专用帐户信息， 还包括所述资质证明文件；
所述服务器接收所述幵户请求， 并将所述幵户请求存储在用户资料库 中。 [权利要求 10] 根据权利要求 9所述的金融交易管理方法， 其特征在于， 还包括： 所述客户终端接收用户输入的帐户导入请求， 并将所述帐户导入请求 发送给所述服务器； 所述帐户导入请求与所述公共帐户信息相关联， 包括专用帐户信息和专用资质证明文件；
所述服务器接收所述帐户导入请求， 并将所述帐户导入请求存储在所 述用户资料库中， 使得所述专用帐户信息和所述专用资质证明文件与 所述公共帐户信息关联存储。
[权利要求 11] 一种服务器， 包括存储器、 处理器以及存储在所述存储器中并可在所 述处理器上运行的计算机程序， 其特征在于， 所述服务器与客户终端 通信， 所述处理器执行所述计算机程序吋实现如下步骤：
客户终端接收用户输入的帐户登录请求， 并将所述帐户登录请求发送 给所述服务器； 所述帐户登录请求包括公共帐户信息和专用帐户 ID; 服务器接收所述帐户登录请求， 并判断是否存在与所述专用帐户 ID相 对应的专用帐户； 存在所述专用帐户吋， 向所述客户终端发送第一控 制信号；
客户终端接收所述第一控制信号并根据所述第一控制信号进入专用帐 户界面， 接收用户输入的第一交易请求并将所述第一交易请求发送给 所述服务器； 所述第一交易请求包括所述专用帐户信息和与专用帐户 ID相关联的交易信息；
服务器接收所述第一交易请求， 基于所述第一交易请求完成交易。
[权利要求 12] 根据权利要求 11所述的服务器， 其特征在于， 还包括：
所述服务器在不存在与所述专用帐户 ID相对应的所述专用帐户， 则向 所述客户终端发送第二控制信号；
所述客户终端接收所述第二控制信号并根据所述第二控制信号进入公 共帐户界面， 接收用户输入的第二交易请求并将所述第二交易请求发 送给所述服务器； 所述第二交易请求包括所述公共帐户信息和与专用 帐户 ID相关联的交易信息；
所述服务器接收所述第二交易请求， 基于所述第二交易请求完成交易 根据权利要求 12所述的服务器， 其特征在于， 所述交易信息包括产品 ID;
所述基于所述第二交易请求完成交易， 包括：
判断所述第二交易请求中产品 ID对应的产品是否为专属产品； 若产品 ID对应的产品为专属产品， 则判断是否存储有与所述专属产品 对应的资质证明文件；
若不存储有所述资质证明文件， 则向所述客户终端发送补充文件指令
， 接收所述客户终端基于所述补充文件指令上传的所述资质证明文件
， 基于所述公共帐户信息完成第二交易请求对应的交易；
若存在所述资质证明文件或者产品 ID对应的产品不为专属产品， 基于 所述公共帐户信息完成第二交易请求对应的交易。
根据权利要求 13所述的服务器， 其特征在于， 还包括：
所述客户终端接收用户输入的幵户请求， 并将所述幵户请求发送给所 述服务器； 所述幵户请求包括所述公共帐户信息和 /或至少一个所述 专用帐户信息， 还包括所述资质证明文件；
所述服务器接收所述幵户请求， 并将所述幵户请求存储在用户资料库 中。
根据权利要求 14所述的服务器， 其特征在于， 还包括：
所述客户终端接收用户输入的帐户导入请求， 并将所述帐户导入请求 发送给所述服务器； 所述帐户导入请求与所述公共帐户信息相关联， 包括专用帐户信息和专用资质证明文件；
所述服务器接收所述帐户导入请求， 并将所述帐户导入请求存储在所 述用户资料库中， 使得所述专用帐户信息和所述专用资质证明文件与 所述公共帐户信息关联存储。
一种计算机可读存储介质， 所述计算机可读存储介质存储有计算机程 序， 其特征在于， 所述计算机程序被处理器执行吋实现如下步骤： 客户终端接收用户输入的帐户登录请求， 并将所述帐户登录请求发送 给所述服务器； 所述帐户登录请求包括公共帐户信息和专用帐户 ID;
服务器接收所述帐户登录请求， 并判断是否存在与所述专用帐户 ID相 对应的专用帐户； 存在所述专用帐户吋， 向所述客户终端发送第一控 制信号；
客户终端接收所述第一控制信号并根据所述第一控制信号进入专用帐 户界面， 接收用户输入的第一交易请求并将所述第一交易请求发送给 所述服务器； 所述第一交易请求包括所述专用帐户信息和与专用帐户 ID相关联的交易信息；
服务器接收所述第一交易请求， 基于所述第一交易请求完成交易。
[权利要求 17] 根据权利要求 16所述的计算机可读存储介质， 其特征在于， 还包括： 所述服务器在不存在与所述专用帐户 ID相对应的所述专用帐户， 则向 所述客户终端发送第二控制信号；
所述客户终端接收所述第二控制信号并根据所述第二控制信号进入公 共帐户界面， 接收用户输入的第二交易请求并将所述第二交易请求发 送给所述服务器； 所述第二交易请求包括所述公共帐户信息和与专用 帐户 ID相关联的交易信息；
所述服务器接收所述第二交易请求， 基于所述第二交易请求完成交易
[权利要求 18] 根据权利要求 17所述的计算机可读存储介质， 其特征在于， 所述交易 信息包括产品 ID;
所述基于所述第二交易请求完成交易， 包括：
判断所述第二交易请求中产品 ID对应的产品是否为专属产品； 若产品 ID对应的产品为专属产品， 则判断是否存储有与所述专属产品 对应的资质证明文件；
若不存储有所述资质证明文件， 则向所述客户终端发送补充文件指令 ， 接收所述客户终端基于所述补充文件指令上传的所述资质证明文件 ， 基于所述公共帐户信息完成第二交易请求对应的交易；
若存在所述资质证明文件或者产品 ID对应的产品不为专属产品， 基于 所述公共帐户信息完成第二交易请求对应的交易。
[权利要求 19] 根据权利要求 18所述的计算机可读存储介质， 其特征在于， 还包括： 所述客户终端接收用户输入的幵户请求， 并将所述幵户请求发送给所 述服务器； 所述幵户请求包括所述公共帐户信息和 /或至少一个所述 专用帐户信息， 还包括所述资质证明文件；
所述服务器接收所述幵户请求， 并将所述幵户请求存储在用户资料库 中。
[权利要求 20] 根据权利要求 19所述的计算机可读存储介质， 其特征在于， 还包括： 所述客户终端接收用户输入的帐户导入请求， 并将所述帐户导入请求 发送给所述服务器； 所述帐户导入请求与所述公共帐户信息相关联， 包括专用帐户信息和专用资质证明文件；
所述服务器接收所述帐户导入请求， 并将所述帐户导入请求存储在所 述用户资料库中， 使得所述专用帐户信息和所述专用资质证明文件与 所述公共帐户信息关联存储。
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