CN111127023A - Asset information processing method, device and equipment - Google Patents
Asset information processing method, device and equipment Download PDFInfo
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Abstract
The embodiment of the application discloses a method for processing asset information, which comprises the steps of receiving account deposit information, wherein the account deposit information is used for representing the transfer condition of transferring a specified amount to a specified investment account; determining a wind control result corresponding to the designated investment account; and if the wind control result is that the wind control is passed, updating the asset information corresponding to the specified investment account according to the specified amount of money when the deposit is not really paid out so as to increase the purchasing power of the specified investment account. Because the purchasing power is increased in advance before the deposit is paid, the transaction can be carried out without waiting for the deposit to be paid, the time required by the transaction is greatly shortened, the transaction efficiency is improved, and the economic loss caused to investors due to the delay of opportunity is avoided. The application also discloses an asset information processing device, equipment, a storage medium and a computer program product.
Description
Technical Field
The present application relates to the field of data processing technologies, and in particular, to a method, an apparatus, a device, and a computer-readable storage medium for processing asset information.
Background
With the development of internet technology, many users choose to invest and manage money through the network. When a user conducts network investment and financing, an investment account needs to be opened in an investment company so as to conduct investment and financing based on the investment account. For example, a security investment account is opened at a security company, and then a certain amount of money is deposited in the security investment account, and the security investment transaction is performed using the money and is replaced by escrow of the security company.
At present, securities trading companies in the market choose to manage securities trading business by adopting a principle of capital entry before trading based on a risk control principle; the principle of 'fund is first entered and then traded' means that the user is allowed to use the fund to conduct security trading after the fund of the user account is entered, so that the reliability of security trading can be guaranteed, and the risk of bad accounts is reduced.
However, in actual business operation, because the fund posting process is limited by the banking business process, many times the fund cannot be posted in real time, some of the fund can be posted even in half a day or a day, price fluctuation of security products is very large, and price fluctuation of some of the security products is even real-time, so that the investment opportunity is easily missed when a user conducts security transaction after the fund is posted, and economic loss is caused.
Disclosure of Invention
The embodiment of the application provides an asset information processing method, which is used for realizing transaction-before-entry based on a wind control result corresponding to an investment account so as to meet the requirement of a user on the timeliness of the transaction and avoid economic loss. The embodiment of the application also provides a corresponding device, equipment, a storage medium and a computer program product.
In view of the above, an aspect of the present application provides a method for processing asset information, where the method includes:
receiving account deposit information, wherein the account deposit information is used for representing the transfer condition of transferring the specified amount to the specified investment account;
determining a wind control result corresponding to the designated investment account;
and if the wind control result is that wind control is passed, updating the asset information corresponding to the specified investment account according to the specified amount of money when deposit is not really paid out so as to increase the purchasing power of the specified investment account.
One aspect of the present application provides an apparatus for processing asset information, the apparatus comprising:
the receiving module is used for receiving account deposit information, and the account deposit information is used for representing the transfer condition of transferring the specified amount to the specified investment account;
the determining module is used for determining a wind control result corresponding to the specified investment account;
and the control module is used for updating the asset information corresponding to the specified investment account according to the specified amount of money when the deposit is not really paid out if the wind control result is that the wind control is passed, so as to increase the purchasing power of the specified investment account.
One aspect of the application provides an apparatus comprising a processor and a memory:
the memory is used for storing program codes and transmitting the program codes to the processor;
the processor is used for executing the asset information processing method according to the instructions in the program code.
An aspect of the present application provides a computer-readable storage medium for storing program code for executing the asset information processing method described herein.
An aspect of the present application provides a computer program product comprising instructions which, when run on a computer, cause the computer to perform the method of processing asset information described herein.
According to the technical scheme, the embodiment of the application has the following advantages:
the embodiment of the application provides an asset information processing method, in the method, after account deposit information is received, a wind control result corresponding to an appointed investment account is determined, if the wind control result is wind control passing, the fact that account deposit information transferred to the appointed investment account by an appointed amount is real is indicated, the appointed investment account is credible, when the deposit is not really paid, the asset information corresponding to the appointed investment account can be updated according to the appointed amount to increase purchasing power of the appointed investment account, and therefore an investor can conduct transaction in time based on the purchasing power without waiting for the deposit to be paid, time required by the transaction is greatly shortened, transaction efficiency is improved, and economic loss caused by time delay to the investor is avoided.
Drawings
Fig. 1 is a scene architecture diagram of an asset information processing method provided in an embodiment of the present application;
FIG. 2 is a flow chart of a method for processing asset information provided by an embodiment of the present application;
FIG. 3 is a schematic diagram of an interface of an investment transaction client in an embodiment of the present application;
FIG. 4 is a flow chart of a method for processing asset information provided by an embodiment of the present application;
FIG. 5 is a flow chart of a method for processing asset information provided by an embodiment of the present application;
fig. 6 is a schematic diagram of a fast deposit service opening control provided in an embodiment of the present application;
FIG. 7 is an interaction flow diagram of a method for processing asset information provided by an embodiment of the present application;
fig. 8 is an application scenario diagram of a processing method for asset information according to an embodiment of the present application;
fig. 9 is a schematic structural diagram of an asset information processing device according to an embodiment of the present application;
fig. 10 is a schematic structural diagram of an asset information processing device according to an embodiment of the present application;
fig. 11 is a schematic structural diagram of an asset information processing device according to an embodiment of the present application;
fig. 12 is a schematic structural diagram of an asset information processing device according to an embodiment of the present application;
fig. 13 is a schematic structural diagram of an asset information processing device according to an embodiment of the present application;
fig. 14 is a schematic structural diagram of an apparatus according to an embodiment of the present application.
Detailed Description
In order to make the technical solutions of the present application better understood, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
The terms "first," "second," "third," "fourth," and the like in the description and in the claims of the present application and in the drawings described above, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the application described herein are, for example, capable of operation in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
In order to facilitate understanding of the technical solutions of the present application, technical terms related to the present application are explained below.
Assets refer to resources owned or controlled by an enterprise, natural person, country, and which can be measured in currency. Among them, assets can be classified into securities assets such as stocks, funds, bonds, or options, and non-securities assets such as cash, real estate, and vehicles. Non-security assets may be converted to security assets by corresponding asset securitization. The asset information processing method provided by the application is mainly used for processing the asset information of the securities assets.
The investment account refers to an account set up for the purpose of conducting an asset transaction. Taking a security asset as an example, for a port stock asset, an investor can open a security investment account in a hong Kong security management organization, entrust the security management organization to manage the assets hosted by the investor, and provide account support for actions of trading, clearing and the like of the investor. After the investment account is opened by the security management organization, the investor transfers funds to the investment account so that the security management organization can record the deposit based on the process of investment transaction of the funds.
The purchasing power refers to the maximum amount of funds that an investment account can use to purchase a security asset. The investment account may include assets in different forms, such as port stocks, and may include assets in multiple forms, such as account net-held funds, twin-deployed financing amounts, and virtual added amounts. The purchasing power of an investment account may be characterized by the account's net held fund amount, double-played financing amount, and ghost amount. The net holding amount of the account refers to the actual account balance of the investment account, the double-exhibition financing amount refers to the financing amount provided based on the deposit of the investor, the virtual financing amount refers to a fund field set based on a T + n mode of collection, and the virtual financing amount can be used for purchasing assets but cannot be taken out. The T + n delivery mode refers to the delivery of funds for purchasing the assets in T days in T + n days, wherein n is a positive integer greater than or equal to 1. It will be appreciated that changing any one or more of the account net holding funds amount, the double funding amount, or the ghost amount may change the purchasing power of the investment account.
The method comprises the steps of receiving account deposit information, determining a wind control result corresponding to a designated investment account, if the account deposit information passes auditing and the wind control result is wind control passing, indicating that account deposit information transferred to the designated investment account by a designated amount is real and the designated investment account is credible, and updating the asset information corresponding to the designated investment account according to the designated amount to increase the purchasing power of the designated investment account when the deposit is not really paid, so that an investor can conveniently trade in time. In the technical scheme, the transaction mode of transaction before posting is adopted, so that the transaction can be carried out without waiting for posting, the time required by the transaction is greatly shortened, the transaction efficiency is improved, and the economic loss caused to investors due to time delay is avoided. And before updating the asset information, wind control monitoring is carried out, so that the reliability of transaction can be ensured, and the risk of bad account is reduced.
The asset information processing method provided by the application can be applied to an Account Management System (AMS) for managing the account of the user. Specifically, each user participating in the investment transaction has a corresponding investment account, and for a designated investment account, the AMS receives account deposit information uploaded by an investment transaction client, and then determines that if a wind control result corresponding to the designated investment account is wind control pass, when the deposit is not really paid, asset information corresponding to the designated investment account is updated according to designated amount information carried in the deposit information so as to increase the purchasing power of the designated investment account.
It should be noted that the AMS may run in a server, and the server supports simultaneous communication with a plurality of investment transaction clients, thereby implementing processing of asset information of investment accounts corresponding to the plurality of investment transaction clients. The investment transaction client is an application program for providing investment transaction service for a user. The application may be a web browser that provides investment transaction services to the user via an investment transaction web page. Of course, the application may also be an application dedicated to providing investment transaction services, such as a securities class application provided by a securities authority.
In order to make the technical solution of the present application clearer and easier to understand, the asset information processing method of the present application will be described below with reference to a specific scenario, where the scenario is shown in fig. 1, and the scenario includes a server 10 and a terminal device 20, where the server 10 is embedded with an AMS, and the terminal device 20 is installed with an investment transaction client.
In specific implementation, a user uploads account deposit information through an investment transaction client on the terminal device 20, the account deposit information is used for representing a transfer condition of transferring a specified amount to a specified investment account, the AMS in the server 20 determines a wind control result corresponding to the specified investment account after receiving the account deposit information, if the wind control result is wind control pass, the AMS in the server 10 updates asset information corresponding to the specified investment account according to the specified amount to increase purchasing power of the specified investment account when the deposit is not really true to the account, as shown in fig. 1, the specified investment account is an investment account i, the specified amount is 50000.00RMB, and the AMS increases 50000.00RMB of virtual increase amount in the asset information corresponding to the investment account according to the specified amount, so that the user can perform asset transaction based on the increased purchasing power.
Next, from the perspective of the server, a detailed description is given of a processing method of asset information provided by the present application, referring to a flowchart of the processing method of asset information shown in fig. 2, where the method includes:
s201: and receiving account deposit information.
And the account deposit information is used for representing the transfer condition of transferring the appointed amount to the appointed investment account. Specifically, the server may receive account deposit information uploaded by the user through the investment transaction client. It can be understood that the user can transfer the appointed amount of money to the appointed investment account through the bank, and the bank server executes the transfer operation after receiving the transfer request for transferring the appointed amount of money to the appointed investment account, so as to realize account deposit. The account deposit information is information generated by the bank server executing transfer operation to realize account deposit. The account deposit information may include deposit information and transfer credentials.
The deposit information comprises a transfer account, a transfer amount, a transfer-out account and the like corresponding to the deposit operation of the account, and in some cases, the deposit information can also comprise at least one of a financial institution and remark information to which the transfer-out account belongs. The metal institution to which the transfer account belongs mainly includes a bank, such as a hong kong branch of a tendering bank.
The transfer voucher refers to a voucher generated by a bank aiming at the operation of transferring the specified amount of money to the specified investment account by the user when the account is credited, and the voucher can be used for verifying that the user transfers the specified amount of money to the specified investment account at the time point and can be used as a basis for auditing the account deposit.
Fig. 3 shows a schematic diagram of an investment transaction client interface, as shown in fig. 3, a user may input deposit information on a current interface of the investment transaction client, for example, an account number corresponding to a transfer-in account, an account number corresponding to a transfer-out account, and a transfer-in amount may be input, wherein the interface is further provided with a financial institution to which the transfer-out account belongs, for example, the institution may be a hong kong branch office of a host bank, and it needs to be explained that the financial institution to which the transfer-out account belongs may be input by the user, or may be obtained by the user through automatic identification after inputting the account number corresponding to the transfer-out account. It should be noted that the deposit information may also include remark information, and the user may input the remark information in the current interface so as to illustrate the use of the fund. As a specific example of the present application, the remark information may be a purchase of stock.
S202: and determining a wind control result corresponding to the designated investment account.
After receiving the account deposit information, the server may evaluate based on the authenticity of the account deposit information and the credit risk of the designated investment account to determine whether the deposit is applicable to the fast deposit mode. During specific implementation, the server can obtain a wind control result corresponding to the specified investment account, and the wind control result represents the authenticity of the account deposit information on one hand and represents the credit risk of the specified investment account on the other hand, so that the server can determine whether the deposit is applicable to a quick deposit mode or not based on the wind control result.
When determining a wind control result corresponding to the designated investment account, the server can determine whether account deposit information of the designated investment account passes deposit audit or not to obtain a first wind control result, wherein the deposit audit is used for auditing the authenticity of the account deposit information; secondly, determining the credit risk of the designated investment account according to the credit condition of the designated investment account and the account asset condition to obtain a second wind control result; and the server determines a wind control result corresponding to the appointed investment account according to the first wind control result and the second wind control result.
For the deposit audit, the server can determine the audit result in various ways. One implementation mode is that the server issues an audit task, and auditors manually audit account deposit information according to the audit task to determine an audit result; in another implementation, the server automatically reviews the account deposit information based on image processing technology to determine a review result. The implementation of the deposit audit will be described in detail below.
When a manual auditing mode is adopted, the server can send an auditing task to the deposit auditing client, wherein the auditing task comprises account deposit information, the account deposit information comprises deposit information and transfer certificates, therefore, an auditing person checks the auditing task through the deposit auditing client, the account deposit information is audited, an auditing result is input into the deposit auditing client, then, the server receives the auditing result returned by the deposit auditing client, the auditing result is used for representing whether the account deposit information passes deposit audit, and the server can determine whether the account deposit information passes the deposit audit according to the auditing result.
When the automatic auditing mode is adopted, the server can identify the transfer voucher in the account deposit information based on the image processing technology, then audit the account deposit information based on the identification result of the transfer voucher and generate an auditing result. The server can automatically check the account deposit information, and can also send the account deposit information to other equipment for checking and obtaining a checking result from the account deposit information.
It should be noted that when the account deposit information is checked, the checking can be performed from multiple dimensions, such as the validity of the transfer voucher, the validity of the investment account, and the consistency between the deposit information and the transfer voucher. Specifically, aiming at the validity of a transfer certificate, whether the transfer certificate is a historical transfer certificate or not can be determined through a timestamp of the transfer certificate, whether the transfer certificate is forged or not can be determined through an anti-counterfeiting identifier of the transfer certificate, and if the transfer certificate is determined to be the historical transfer certificate or the forged transfer certificate, the transfer certificate is determined to be invalid; aiming at the validity of the investment account, the account state of the appointed investment account can be obtained, if the account state is in a frozen state, the investment account is determined to be invalid, and if the account state is in a normal state, the investment account is determined to be valid; and aiming at the consistency of the deposit information and the transfer voucher, the information of the transfer-in account, the transfer-out account, the transfer-in amount and the like in the deposit information can be respectively compared with the corresponding information in the transfer voucher, if the information of the transfer-in account, the transfer-out account and the transfer-in amount in the deposit information is consistent with the corresponding information in the transfer voucher, the consistency audit is passed, and if any one or more items do not pass, the consistency audit is not passed. It can be understood that when the transfer voucher is effective, the investment account is effective, and the agreement audit of the deposit information and the transfer voucher passes, the account deposit information is true, the account deposit information passes the deposit audit, otherwise, the account deposit information does not pass the deposit audit.
For the account credit risk, the server may obtain a credit risk audit result of the designated investment account from the account credit risk audit server. Specifically, the server sends an acquisition request to an account credit risk auditing server, wherein the acquisition request carries an account identifier of a specified investment account, such as an account name, and the acquisition request is mainly used for acquiring a credit risk auditing result of the specified investment account; and after receiving the acquisition request, the account credit risk auditing server audits the credit risk of the appointed investment account according to the acquisition request to obtain a credit risk auditing result of the appointed investment account. During specific implementation, the account credit risk auditing server can audit the risk credit according to the credit condition of the appointed investment account and the account asset condition to obtain a credit risk auditing result of the appointed investment account; and then, the server receives a credit risk auditing result returned by the account credit risk auditing server, and the credit risk auditing result is used as a second wind control result.
The account credit risk auditing server can realize credit risk auditing of the appointed investment account through the wind control model. When the account credit risk auditing server determines the credit risk of the appointed investment account based on the wind control model, the information such as basic information, historical asset transaction information, credit information and the like related to the appointed investment account needs to be acquired, wherein, taking an enterprise account as an example, the basic information can comprise enterprise registered funds, revenue level and the like, taking a personal account as an example, the basic information can comprise personal annual income and the like; the historical asset transaction information includes the amount of the asset transaction and the number of deals that have been committed, etc. And then determining a credit risk auditing result of the specified investment account based on the collected information, and further determining a second wind control result corresponding to the specified investment account according to the credit risk auditing result.
S203: and if the wind control result is that the wind control is passed, updating the asset information corresponding to the specified investment account according to the specified amount of money when the deposit is not really paid out so as to increase the purchasing power of the specified investment account.
It can be understood that if the wind control result is that the wind control is passed, the account deposit information is real, and the corresponding specified investment account is credible, the deposit is applicable to the rapid deposit mode, and the server can update the asset information corresponding to the specified investment account according to the specified amount of money to increase the purchasing power of the specified investment account when the deposit is not really paid, so as to facilitate timely transaction without waiting for deposit to be paid.
Wherein the designated investment account includes asset information in different forms, and the server may update asset information in one of the forms to increase the purchasing power of the designated investment account. Specifically, the server may increase the virtual amount in the asset information corresponding to the designated investment account according to the designated amount to increase the purchasing power of the designated investment account. In this manner, the user may conduct asset transactions based on the pre-increased purchasing power.
In specific implementation, after updating the asset information corresponding to the specified investment account according to the specified amount of money, the server may send a prompt message to the investment transaction client, where the prompt message is used to indicate that the purchasing power of the specified investment account has increased, so that the investment transaction client prompts the user to perform investment transaction according to the prompt message. Therefore, the user can trade in time, and the economic loss caused by delaying the trading opportunity is avoided.
It should be noted that prompting the user to perform the investment transaction by sending the prompt message is only an optional implementation manner of the embodiment of the present application, the server may not send the prompt message, and the user may query the asset information in real time through the investment transaction client to determine whether the purchasing power has been increased, so as to determine whether to perform the investment transaction.
In other possible implementation manners of the embodiment of the present application, the server may also update the asset information corresponding to the specified investment account in other manners, for example, the net held fund amount may be updated in advance according to the specified amount, and after the deposit is made, the server will update the net held fund amount again, at this time, the net held fund amount that is increased in advance may be subtracted from the updated net held fund amount. In this manner, the user may effect an asset transaction prior to an entry being posted, without waiting for the entry to be posted.
In the method, after account deposit information is received, a wind control result corresponding to an appointed investment account is determined, if the wind control result is wind control passing, the fact that account deposit information transferred to the appointed investment account by an appointed amount is real is indicated, the appointed investment account is credible, and when the deposit is not really paid, the asset information corresponding to the appointed investment account can be updated according to the appointed amount to increase purchasing power of the appointed investment account.
It can be understood that the method for processing asset information provided by the embodiment of the present application is implemented based on the idea of "transaction before posting", and specifically, on the premise that risk is controllable, the purchasing power of a specific investment account is increased first, so that a user can perform investment transaction in time. Since the purchasing power is increased before the deposit is settled, which is equivalent to the purchasing power is pre-paid in advance, the server needs to perform correction processing on the pre-paid purchasing power after the deposit is settled. Next, a detailed description will be given of a method of processing asset information after deposit receipt.
Referring to a flow chart of a method for processing asset information shown in fig. 4, wherein the embodiment shown in fig. 4 is implemented based on the embodiment shown in fig. 2, only the differences from the embodiment shown in fig. 2 will be described in detail, and the method includes:
s401: and receiving deposit receipt notification information related to the account deposit information.
Wherein the deposit receipt notification information is used for representing that the specified amount of money has been successfully transferred to the specified investment account. The bank performs a transfer operation from the roll-out account to the designated investment account after receiving a transfer request for transferring a designated amount of money to the designated investment account, and the transfer operation requires a certain time, for example, a working day, for this reason, the bank may send deposit-to-account notification information after depositing a deposit. The server receives the deposit receipt notification information associated with the account deposit information, and may determine that the amount of money corresponding to the account deposit study information has been successfully transferred to the designated investment account.
S402: and increasing the account net held fund amount in the asset information corresponding to the appointed investment account according to the appointed amount, and reducing the virtual increase amount corresponding to the appointed investment account according to the appointed amount.
Because the appointed amount is successfully transferred into the appointed investment account, and the account balance of the appointed investment account is increased, the server increases the account net holding amount of the fund in the asset information corresponding to the appointed investment account according to the appointed amount. In addition, since the purchasing power is increased in advance before the deposit is made for the investment transaction, after the deposit is paid, that is, the designated amount is successfully transferred to the designated investment account, the server needs to reduce the virtual increase amount corresponding to the designated investment account according to the designated amount.
Therefore, the embodiment of the application provides an asset information processing method, on the premise that the wind control passes, the purchasing power is increased in advance in a mode of increasing the virtual money amount, so that the investment transaction can be performed in time, then after the deposit is paid out, the net held fund amount of the account in the asset information corresponding to the specified investment account is increased according to the specified amount, and the virtual money amount corresponding to the specified investment account is reduced according to the specified amount, so that the time for waiting for the deposit to be paid out is saved, the transaction efficiency is improved, and the economic loss caused to an investor due to opportunity delay is avoided.
The asset information processing method provided by the embodiment of the application provides a quick deposit channel, and deposit can be carried out through the quick deposit channel on the premise that deposit audit is passed and wind control is passed, so that the requirement of a user on the timeliness of transaction is met. In some possible implementation manners, the asset information processing method may be compatible with a traditional deposit method, that is, when the wind control fails, the asset information corresponding to the specified investment account is updated after the deposit is paid. Next, a detailed description will be given of still another implementation of the asset information processing method provided in the embodiment of the present application.
Referring to the flow chart of the asset information processing method shown in fig. 5, the embodiment shown in fig. 5 can be regarded as an improvement on the embodiments shown in fig. 2 and 4, and the present embodiment will be described in detail only in the differences from the embodiments shown in fig. 2 and 4, and the method includes:
s501: and if the wind control result is that the wind control is not passed, waiting to receive deposit and account receipt notification information related to the account deposit information.
And if the wind control result is that the wind control fails, the risk control of the designated investment account is unreliable, and the purchasing power is not suitable for pre-payment. Therefore, the deposit does not meet the requirement of quick deposit, and the deposit can be made and traded according to the traditional deposit mode.
The traditional deposit mode is that after deposit is achieved, asset information corresponding to an account is updated. Therefore, when the wind control result is that the wind control is not passed, the server needs to wait for receiving the deposit receipt notification information related to the account deposit information. Wherein the deposit receipt notification information is used for representing that the specified amount of money has been successfully transferred to the specified investment account.
S502: and after the income and account receipt notification information is received, the account net held fund amount in the asset information corresponding to the appointed investment account is increased according to the appointed amount so as to increase the purchasing power corresponding to the appointed investment account.
The server receives the deposit receipt notification message, which indicates that the appointed amount can be transferred to the appointed investment account after the appointed amount is up, so that the account balance of the appointed investment account is correspondingly increased. In specific implementation, the server increases the account net holding fund amount in the asset information corresponding to the specified investment account according to the specified amount so as to increase the purchasing power corresponding to the specified investment account. In this manner, the user may conduct investment transactions based on increased purchasing power.
According to the method for processing the asset information, the fast deposit channel is provided, the traditional deposit channel is further provided, when the wind control result passes the wind control result, the fast deposit channel is adopted for deposit, the purchasing power of the investment account is increased in advance, the user can conduct transaction in time, the economic loss caused by delay of the transaction opportunity is avoided, when the wind control result passes the wind control result, the traditional deposit channel is adopted for deposit, after the deposit is settled, the asset information of the investment account is updated, the purchasing power of the investment account is increased, and therefore the fund safety can be guaranteed, and bad account risk is reduced.
It should be noted that the security management organization may provide the fast deposit service for all the users who open the investment accounts by default, and may also provide a channel for opening the fast deposit service for the users who open the investment accounts, and the user sets whether to open the fast deposit service by himself. Specifically, referring to fig. 6, the investment transaction client provides a fast deposit service opening control, the fast deposit service opening control is set to a closed state by default, and a user can set the fast deposit service opening control to an open state according to the user's own needs to open the fast deposit service. Of course, the investment transaction client may also set the fast deposit service opening control as the opening state by default, so that all users who open the investment account open the fast deposit service.
In the embodiment of the application, for the user who has opened the rapid deposit service, when the wind control result for the specified investment account is wind control passing, the deposit can be made in a rapid deposit mode, so that the investment transaction can be performed rapidly, and when the deposit is paid out, the asset information of the specified investment account is corrected. And sending an information prompt of opening the quick deposit service for the user who does not open the quick deposit service, if the user still chooses not to open the quick deposit service, depositing money based on a traditional deposit mode, and performing investment transaction after depositing money and being paid. Based on this, before determining the wind control result corresponding to the designated investment account, the server can also judge whether the designated investment account opens the fast deposit service, and if so, the step of determining the wind control result corresponding to the designated investment account is executed.
For each investment account, the server may store a fast deposit service identifier corresponding to the investment account, and the fast deposit service identifier may be used to represent whether the investment account opens a fast deposit service. In a specific implementation, the server may determine whether the designated investment account opens the fast deposit service by acquiring the fast deposit service identifier corresponding to the designated investment account.
The above embodiment mainly describes the method for processing the asset information from the dimension of the server, and the method for processing the asset information provided by the embodiment of the present application will be described from the perspective of interaction between the investment transaction client, the account management system AMS, the bank server and the bank client.
Referring to an interactive flow chart of the asset information processing method shown in fig. 7, a user initiates a transfer request through a bank client, the transfer request indicates that a specified amount of money is transferred to a specified investment account to realize account deposit, and then a bank server responds to the transfer request triggered by the user through the bank client, executes a transfer deposit operation, and generates deposit information and a transfer certificate.
And then, the user can upload account deposit information through the investment transaction client, the account deposit information comprises deposit information and transfer certificates, the deposit information comprises account numbers corresponding to transferred accounts, transferred amount and the like, the transfer certificates refer to certificates generated by executing transfer operation through financial institutions such as banks and the like, the AMS in the server receives the account deposit information and determines a wind control result corresponding to the appointed investment account, and if the wind control result is wind control passing, virtual increase amount in the asset information corresponding to the appointed investment account is firstly increased to increase purchasing power of the appointed investment account when the deposit is not really transferred to the account.
Then, the user can make an order transaction through the investment transaction client, the AMS can wait for a bank account arrival notice, when the bank account transfer deposit operation is completed, namely the deposit account arrival notice, deposit account arrival notice information is generated and sent to the AMS, the AMS receives the deposit account arrival notice information, net held amount in the asset information of the specified investment account is increased according to the specified amount, and virtual added amount in the asset information of the specified investment account is reduced according to the specified amount, so that the purchasing power is corrected. And if the purchasing power is completed, the account deposit confirmation is completed, and the process is ended.
In order to make the technical solution of the present application easier to understand, the asset information processing method provided in the embodiments of the present application will be described below with reference to specific application scenarios.
Referring to an application scenario diagram of the asset information processing method shown in fig. 8, the application scenario includes an asset information processing server 810, an account credit risk auditing server 820, a bank server 830, an deposit auditing client 840, an investment transaction client 850, and a bank client 860, where the asset information processing server 810 has an account management system AMS built therein, and the deposit auditing client 840, the investment transaction client 850, and the bank client 860 exist depending on terminal devices.
In specific implementation, a user initiates a transfer request through the bank client 860, the transfer request indicates transfer of a specified amount to a specified investment account to realize account deposit, the bank server 830 receives the transfer request triggered by the user, executes transfer operation of transferring the specified amount to the specified investment account, generates account deposit information, and returns the account deposit information to the bank client 860.
The user uploads the account deposit information acquired from the bank client 860 to the asset information processing server 810 through the investment transaction client 850, the asset information processing server 810 receives the account deposit information, and then sends an audit task to the deposit audit client 840, wherein the audit task comprises the account deposit information, and the account deposit information comprises the deposit information and the transfer certificate, so that an auditor can audit the account deposit information based on the audit task, generate an audit result and input the audit result to the deposit audit client 840. Then, the deposit audit client 840 returns an audit result to the asset information processing server 810, where the audit result is used to represent whether the account deposit information passes the deposit audit. The asset information processing server 810 receives the auditing result returned by the deposit auditing client 840 as a first wind control result.
The asset information processing server 810 receives the account deposit information and sends an acquisition request to the account credit risk auditing server 820, wherein the acquisition request is used for acquiring a credit risk auditing result of the designated investment account, and after receiving the acquisition request, the account credit risk auditing server 820 responds to the acquisition request, audits the credit risk of the designated investment account according to the credit condition of the designated investment account and the account asset condition, and generates a corresponding credit risk auditing result. Then, the account credit risk auditing server 820 returns a credit risk auditing result to the asset information processing server 810, and the asset information processing server 810 receives the credit risk auditing result as a second wind control result.
If the first and second wind control results pass, the designated investment account corresponding to the wind control result is wind control pass, that is, the credit condition and the account asset condition of the designated investment account meet the fast deposit requirement, and the asset information processing server 810 may update the asset information corresponding to the designated investment account according to the designated amount when the deposit is not really paid, for example, increase the virtual increase amount in the asset information corresponding to the designated investment account, so as to increase the purchasing power of the designated investment account.
After updating the asset information corresponding to the designated investment account, the asset information processing server 810 sends a prompt message to the investment transaction client 850, where the prompt message is used to indicate that the purchasing power of the designated investment account has increased, so that the investment transaction client 850 prompts the user to perform investment transaction according to the prompt message. The user makes an order transaction through the investment transaction client 850 under the prompt of the prompt message. It should be noted that the user may also entrust a security administration, such as a security company, to conduct investment transactions.
And, when the transfer operation performed by the bank server 830 is successful, indicating that the designated amount is successfully transferred to the designated investment account, the bank server 830 generates deposit receipt notification information related to the account deposit information and transmits the deposit receipt notification information to the asset information processing server 810.
And the asset information processing server 810 receives the deposit receipt notification information, increases the account net holding fund amount in the asset information corresponding to the specified investment account according to the specified amount, and decreases the virtual increase amount corresponding to the specified investment account according to the specified amount to realize the purchase power correction of the specified investment account.
Based on the above specific implementation manner of the asset information processing method provided in the embodiment of the present application, the embodiment of the present application further provides an asset information processing device, and the device will be described in terms of function modularization.
Referring to fig. 9, a schematic structural diagram of an asset information processing apparatus is shown, the apparatus including:
a receiving module 910, configured to receive account deposit information, where the account deposit information is used to represent a transfer condition of transferring a specified amount to a specified investment account;
a determining module 920, configured to determine a wind control result corresponding to the designated investment account;
and the control module 930, configured to update, if the wind control result is that the wind control is passed, the asset information corresponding to the specified investment account according to the specified amount of money when the deposit is not really paid out, so as to increase the purchasing power of the specified investment account.
Optionally, the control module 930 is specifically configured to:
adding a virtual money amount in the asset information corresponding to the appointed investment account according to the appointed money amount; the monetary amount is used to purchase the asset but it is not retrievable.
Optionally, the receiving module 910 is further configured to:
receiving deposit receipt notification information related to the account deposit information, wherein the deposit receipt notification information is used for representing that the specified amount of money is successfully transferred to the specified investment account;
the control module 930 is further configured to increase the account net holding fund amount in the asset information corresponding to the designated investment account according to the designated amount, and decrease the virtual increase amount corresponding to the designated investment account according to the designated amount.
Optionally, the receiving module 910 is further configured to:
if the wind control result is that the wind control is not passed, waiting to receive deposit and account receipt notification information related to account deposit information, wherein the deposit and account receipt notification information is used for representing that the specified amount of money is successfully transferred to the specified investment account;
the control module 930 is further configured to, after receiving the deposit receipt notification message, increase the account net holding fund amount in the asset information corresponding to the designated investment account according to the designated fund amount, so as to increase the purchasing power corresponding to the designated investment account.
Optionally, referring to fig. 10, fig. 10 is a schematic structural diagram of an apparatus for processing asset information according to an embodiment of the present application, where the apparatus further includes:
a first sending module 940, configured to send a prompt message to an investment transaction client after the asset information corresponding to the designated investment account is updated according to the designated amount, where the prompt message is used to indicate that the purchasing power of the designated investment account has increased, so that the investment transaction client prompts a user to perform an investment transaction according to the prompt message.
Optionally, the determining module 920 is specifically configured to:
determining whether the account deposit information of the appointed investment account passes deposit audit or not to obtain a first wind control result, wherein the deposit audit is used for auditing the authenticity of the account deposit information;
determining the credit risk of the appointed investment account according to the credit condition and the account asset condition of the appointed investment account to obtain a second wind control result;
and determining a wind control result corresponding to the appointed investment account according to the first wind control result and the second wind control result.
Optionally, referring to fig. 11, fig. 11 is a schematic structural diagram of an asset information processing apparatus according to an embodiment of the present application, where the determining module 920 is configured to determine whether the account deposit information of the designated investment account passes a deposit audit, and obtaining a first result includes:
the first sending sub-module 921, configured to send an audit task to an deposit audit client, where the audit task includes the account deposit information, and the account deposit information includes deposit information and transfer credentials;
and the first determining submodule 922 is configured to receive an audit result returned by the deposit audit client, and use the audit result as a first wind control result, where the audit result is used to represent whether the account deposit information passes the deposit audit.
Optionally, referring to fig. 12, fig. 12 is a schematic structural diagram of an asset information processing apparatus according to an embodiment of the present application, where the determining module 920 is configured to determine the credit risk of the designated investment account according to the credit condition of the designated investment account and the account asset condition, and obtain a second wind control result, and includes:
a second sending submodule 923, configured to send an obtaining request to an account credit risk auditing server, where the obtaining request is used to obtain a credit risk auditing result of the specified investment account;
the second receiving submodule 924 is configured to receive a credit risk checking result returned by the account credit risk checking server, and use the credit risk checking result as a second wind control result, where the second wind control result is determined by the account credit risk checking server according to the credit condition of the specified investment account and the account asset condition.
Optionally, the designated investment account includes assets in the form of:
the account holds the net funds, the double funding amount, and the ghost amount.
Optionally, referring to fig. 13, fig. 13 is a schematic structural diagram of an apparatus for processing asset information according to an embodiment of the present application, where the apparatus further includes:
a judging module 950, configured to judge whether the designated investment account opens a fast deposit service;
the determining module 920 is specifically configured to: and if so, executing the step of determining the wind control result corresponding to the designated investment account.
In view of the above, an embodiment of the present application provides an asset information processing apparatus, where after receiving account deposit information, a wind control result corresponding to an appointed investment account is determined, and if the wind control result indicates that the account deposit information transferred to the appointed investment account by an appointed amount is true and the appointed investment account is authentic, when the deposit is not truly paid, the asset information corresponding to the appointed investment account may be updated according to the appointed amount to increase purchasing power of the appointed investment account. And before updating the asset information, wind control monitoring is carried out, so that the reliability of transaction can be ensured, and the risk of bad account is reduced.
Based on the device for processing asset information provided by the embodiment of the present application, an embodiment of the present application further provides an apparatus, and the device for processing asset information provided by the embodiment of the present application will be described below from the perspective of hardware materialization.
Fig. 14 is a schematic diagram of an apparatus, which may be a server, according to an embodiment of the present disclosure, where the server 1400 may have a relatively large difference due to different configurations or performances, and may include one or more Central Processing Units (CPUs) 1422 (e.g., one or more processors) and a memory 1432, one or more storage media 1430 (e.g., one or more mass storage devices) storing an application 1442 or data 1444. Memory 1432 and storage media 1430, among other things, may be transient or persistent storage. The program stored on storage medium 1430 may include one or more modules (not shown), each of which may include a sequence of instructions operating on a server. Still further, a central processor 1422 may be disposed in communication with storage medium 1430 for executing a series of instruction operations on storage medium 1430 on server 1400.
The server 1400 may also include one or more power supplies 1426, one or more wired or wireless network interfaces 1450, one or more input-output interfaces 1458, and/or one or more operating systems 1441, such as Windows Server, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM, etc.
The steps performed by the server in the above embodiment may be based on the server structure shown in fig. 14.
The CPU1422 is configured to perform the following steps:
receiving account deposit information, wherein the account deposit information is used for representing the transfer condition of transferring the specified amount to the specified investment account;
determining a wind control result corresponding to the designated investment account;
and if the wind control result is that the wind control is passed, updating the asset information corresponding to the specified investment account according to the specified amount of money when the deposit is not really paid out so as to increase the purchasing power of the specified investment account.
In some possible implementations of this embodiment, the CPU1422 may also be configured to execute the steps of any implementation of the asset information processing method provided in this embodiment of the present application.
The embodiment of the present application further provides a computer-readable storage medium for storing a program code, where the program code is configured to execute any one implementation of the asset information processing method described in the foregoing embodiments.
The present application further provides a computer program product including instructions, which when run on a computer, causes the computer to execute any one of the implementation manners of the asset information processing method described in the foregoing embodiments.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be substantially implemented or contributed to by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The above embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions in the embodiments of the present application.
Claims (13)
1. A method for processing asset information, comprising:
receiving account deposit information, wherein the account deposit information is used for representing the transfer condition of transferring the specified amount to the specified investment account;
determining a wind control result corresponding to the designated investment account;
and if the wind control result is that the wind control is passed, updating the asset information corresponding to the specified investment account according to the specified amount of money when the deposit is not really paid out so as to increase the purchasing power of the specified investment account.
2. The processing method according to claim 1, wherein the updating the asset information corresponding to the designated investment account according to the designated amount comprises:
adding a virtual money amount in the asset information corresponding to the appointed investment account according to the appointed money amount; the monetary amount is used to purchase the asset but it is not retrievable.
3. The processing method of claim 2, further comprising:
receiving deposit receipt notification information related to the account deposit information, wherein the deposit receipt notification information is used for representing that the specified amount of money is successfully transferred to the specified investment account;
and increasing the account net held fund amount in the asset information corresponding to the appointed investment account according to the appointed amount, and reducing the virtual increase amount corresponding to the appointed investment account according to the appointed amount.
4. The process of any one of claims 1 to 3, characterized in that it further comprises:
if the wind control result is that the wind control is not passed, waiting to receive deposit and account receipt notification information related to account deposit information, wherein the deposit and account receipt notification information is used for representing that the specified amount of money is successfully transferred to the specified investment account;
and after the income and account receipt notification information is received, the account net held fund amount in the asset information corresponding to the appointed investment account is increased according to the appointed amount so as to increase the purchasing power corresponding to the appointed investment account.
5. The process of any one of claims 1 to 3, wherein after said updating asset information corresponding to said designated investment account in accordance with said designated amount, said process further comprises:
and sending prompt information to an investment transaction client, wherein the prompt information is used for representing that the purchasing power of the specified investment account is increased, so that the investment transaction client prompts a user to perform investment transaction according to the prompt information.
6. The process of any one of claims 1 to 3, wherein said determining a wind result corresponding to said designated investment account comprises:
determining whether the account deposit information of the appointed investment account passes deposit audit or not to obtain a first wind control result, wherein the deposit audit is used for auditing the authenticity of the account deposit information;
determining the credit risk of the appointed investment account according to the credit condition and the account asset condition of the appointed investment account to obtain a second wind control result;
and determining a wind control result corresponding to the appointed investment account according to the first wind control result and the second wind control result.
7. The process of claim 6, wherein said determining whether said account deposit information for said given investment account passes a deposit audit, resulting in a first wind result, comprises:
sending a check task to a deposit check client, wherein the check task comprises account deposit information, and the account deposit information comprises deposit information and transfer certificates;
and receiving an audit result returned by the deposit audit client, and taking the audit result as a first wind control result, wherein the audit result is used for representing whether the account deposit information passes deposit audit or not.
8. The processing method according to claim 6, wherein the determining the credit risk of the designated investment account according to the credit status of the designated investment account and the account asset status to obtain a second wind control result comprises:
sending an acquisition request to an account credit risk auditing server, wherein the acquisition request is used for acquiring a credit risk auditing result of the specified investment account;
and receiving a credit risk auditing result returned by the account credit risk auditing server, and taking the credit risk auditing result as a second wind control result, wherein the second wind control result is determined by the account credit risk auditing server according to the credit condition of the appointed investment account and the account asset condition.
9. A process according to any one of claims 1 to 3, wherein assets in the form of:
the account holds the net funds, the double funding amount, and the ghost amount.
10. The process of any one of claims 1 to 3, wherein prior to said determining the wind outcome for the designated investment account, the process further comprises:
and judging whether the designated investment account opens the quick deposit service, if so, executing the step of determining the wind control result corresponding to the designated investment account.
11. An apparatus for processing asset information, comprising:
the system comprises a receiving module, a payment processing module and a payment processing module, wherein the receiving module is used for receiving account deposit information, and the account deposit information is used for representing the transfer condition of transferring the appointed amount to an appointed investment account;
the determining module is used for determining a wind control result corresponding to the specified investment account;
and the control module is used for updating the asset information corresponding to the specified investment account according to the specified amount of money when the deposit is not really paid out if the wind control result is that the wind control is passed, so as to increase the purchasing power of the specified investment account.
12. An apparatus, comprising a processor and a memory:
the memory is used for storing program codes and transmitting the program codes to the processor;
the processor is configured to execute the asset information processing method according to any one of claims 1 to 10 according to instructions in the program code.
13. A computer-readable storage medium characterized by storing a program code for executing the asset information processing method according to any one of claims 1 to 10.
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| CN201811278100.5A CN111127023A (en) | 2018-10-30 | 2018-10-30 | Asset information processing method, device and equipment |
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| CN201811278100.5A CN111127023A (en) | 2018-10-30 | 2018-10-30 | Asset information processing method, device and equipment |
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