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Financial product transaction control method and device, equipment and storage medium

A control method and product technology, applied in the field of wealth management services, can solve problems such as unfavorable promotion and sales of bank wealth management products, increased user burden, and increased workload of grassroots outlets.

Pending Publication Date: 2022-04-22
AGRICULTURAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

At present, banking institutions generally adopt a platform-based approach to assess user risk questionnaires. However, since customers purchase different types of wealth management products, the content of the risk questionnaires that need to be filled out many times is similar, which will not only increase the workload of grassroots branch personnel in customer service, It will also increase the burden on users to fill out questionnaires repeatedly, which is not conducive to the promotion and sales of financial products by banks

Method used

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  • Financial product transaction control method and device, equipment and storage medium
  • Financial product transaction control method and device, equipment and storage medium
  • Financial product transaction control method and device, equipment and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0044] Figure 1 As a flowchart of a wealth management product transaction control method provided in embodiment I of the present invention, the present embodiment may be applied to the financial service processing platform, the method of intelligent and effective control of wealth management product transactions, reducing the manual burden, the method may be performed by a wealth management product transaction control device, the device may be implemented by software and / or hardware, the device may be configured in the server of the processing platform, reference Figure 1 , which includes the following steps:

[0045] Step 110, obtain the user's input of the wealth management product transaction request information, and extract the user's basic information; wherein, the wealth management product transaction request information includes at least the risk level of the product to be traded; the user's basic information includes at least the user's financial transactions;

[0046...

Embodiment 2

[0064] Figure 2 is a flowchart of a wealth management product transaction control method provided in embodiment II of the present invention. On the basis of the above example one, alternatively, reference Figure 2 The transaction control method of this wealth management product includes the following steps:

[0065] Step 210, obtain the user input of the wealth management product transaction request information, and extract the user's basic information; wherein, the wealth management product transaction request information includes at least the risk level of the product to be traded; the user's basic information includes at least the user's financial transactions;

[0066] Step 220, according to the user's financial transaction situation to determine whether the user is a first-time trading user; if so, prompt the user to fill in the risk questionnaire information, and obtain the risk questionnaire information filled in by the user, and determine the user's current risk level acc...

Embodiment 3

[0103] Figure 3 is a structural block diagram of a wealth management product transaction control device provided in embodiment III of the present invention. Embodiment III of the present invention provides a wealth management product transaction control device, the wealth management product transaction control device 100 comprising:

[0104] Wealth management product transaction request information acquisition module 10, used to obtain the user input of wealth management product transaction request information, wherein the wealth management product transaction request information includes at least the risk level of the product to be traded;

[0105] User basic information extraction module 20, for extracting the user's basic information; wherein the user's basic information includes at least the user's financial transactions;

[0106] The user's current risk level determination module 30, which is used to determine whether the user is a first-time trading user according to the us...

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Abstract

The embodiment of the invention discloses a financial product transaction control method and device, equipment and a storage medium. Through the financial product transaction control method, when a user uses a financial platform to carry out financial transaction, the user only needs to fill a risk questionnaire during the first transaction, and a server can determine the risk level of the user during the first financial transaction according to the risk questionnaire information filled by the user for the first time. And when various financial products are transacted later, the user does not need to fill a risk questionnaire, and the server can determine the current risk level of the user according to the historical financial transaction information of the user in the historical preset time, so that whether the user can perform the transaction of the to-be-transacted product or not is judged according to the current risk level of the user. Therefore, the workload of the user and the docking personnel can be greatly reduced, the burden of repeatedly filling the risk questionnaire by the user is relieved, the effectiveness of intelligent control of the financial transaction is ensured, and the reliability of the financial transaction of the user is improved.

Description

Technical field [0001] Embodiments of the present invention relates to the technical field of financial services, in particular to a wealth management product transaction control method, apparatus, equipment and storage medium. Background [0002] In today's highly developed Internet, financial management has become an indispensable part of the overall development strategy of financial institutions. Wealth management refers to the management of finances (property and debt) for the purpose of maintaining and increasing the value of finances. Wealth management is divided into corporate finance, institutional finance, personal finance and family finance. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management. "Wealth management" is often used in conjunction with "investment and wealth management", because "wealth management" has "investment" and "investment" has "wealth management". The so-called financ...

Claims

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Application Information

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IPC IPC(8): G06Q40/04G06Q40/06
CPCG06Q40/04G06Q40/06
Inventor 张旭伟潘旭黄俊平
Owner AGRICULTURAL BANK OF CHINA