WO2018166100A1 - 金融交易管理***、方法、存储介质和服务器 - Google Patents
金融交易管理***、方法、存储介质和服务器 Download PDFInfo
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- 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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- account
- transaction
- request
- dedicated
- server
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- 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
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- 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
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- 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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SG11201802269XA SG11201802269XA (en) | 2017-03-14 | 2017-06-26 | Financial transaction management system, method, storage medium and server |
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- 2017-03-14 CN CN201710149696.8A patent/CN107067258A/zh active Pending
- 2017-06-26 JP JP2018517408A patent/JP6632717B2/ja active Active
- 2017-06-26 SG SG11201802269XA patent/SG11201802269XA/en unknown
- 2017-06-26 US US16/077,033 patent/US20210182955A1/en not_active Abandoned
- 2017-06-26 KR KR1020187015575A patent/KR102056996B1/ko active IP Right Grant
- 2017-06-26 WO PCT/CN2017/090050 patent/WO2018166100A1/zh unknown
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CN109583689A (zh) * | 2018-10-16 | 2019-04-05 | 平安科技(深圳)有限公司 | 交易信息核对方法、装置及存储介质、服务器 |
CN110392041A (zh) * | 2019-06-17 | 2019-10-29 | 平安银行股份有限公司 | 电子授权方法、装置、存储设备及存储介质 |
CN110392041B (zh) * | 2019-06-17 | 2022-05-06 | 平安银行股份有限公司 | 电子授权方法、装置、存储设备及存储介质 |
CN113743922A (zh) * | 2021-08-24 | 2021-12-03 | 苏州众言网络科技股份有限公司 | 多产品交易业务管理方法、装置及存储介质 |
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EP3598368A4 (en) | 2021-01-06 |
JP2019511755A (ja) | 2019-04-25 |
JP6632717B2 (ja) | 2020-01-22 |
KR20180114549A (ko) | 2018-10-18 |
AU2017325594A1 (en) | 2018-10-04 |
US20210182955A1 (en) | 2021-06-17 |
KR102056996B1 (ko) | 2019-12-17 |
EP3598368A1 (en) | 2020-01-22 |
CN107067258A (zh) | 2017-08-18 |
SG11201802269XA (en) | 2018-10-30 |
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