Trust transfer, transfer method, device, equipment and storage medium

Abstract

An embodiment of the present invention discloses a method, device, equipment and storage medium for trust transfer and acceptance. The method is applied to a transfer system and includes: in response to a transfer order request from a transfer customer, obtaining the position holding result of the transfer customer from a wealth management system; in response to a transfer request from the transfer customer for a target trust in the position holding result, sending a transfer order instruction to the wealth management system to instruct the wealth management system to conduct order registration and share freezing for the target trust; storing the transfer order information of each target trust in a transfer queue, and sending a transfer document corresponding to the transfer queue to a trust company through the wealth management system, so as to recommend the trust products and / or trust product combinations in the transfer document to each accepting customer through the trust company. The technical solution of the embodiment of the present invention realizes the transfer function of trust products and improves the transaction success rate of trusts.

Description

Technical Field

[0001] The embodiments of the present invention relate to the field of computer technology, and in particular to a trust transfer and transfer method, device, equipment and storage medium. Background Art

[0002] At present, in the financial field, due to the long issuance cycle and large amount of trust products, the purchase risk is too high for general enterprises, so the issuance of trusts is difficult. Therefore, providing a trust product transfer function to promote the issuance of trust products has become an urgent problem to be solved. Summary of the invention

[0003] The present invention provides a trust transfer and transferee method, device, equipment and storage medium to realize the transfer function of trust products and improve the transaction success rate of trusts.

[0004] In a first aspect, an embodiment of the present invention provides a trust transfer method, which is applied to a transfer system, comprising:

[0005] In response to the transfer order request of the transfer customer, obtaining the position result of the transfer customer from the financial management system;

[0006] In response to the transfer request of the transfer client for the target trust in the position result, sending a transfer order instruction to the financial management system to instruct the financial management system to register the order and freeze the shares of the target trust;

[0007] The transfer order information of each target trust is stored in a transfer queue, and the transfer document corresponding to the transfer queue is sent to the trust company through the financial management system, so that the trust product and / or trust product combination in the transfer document can be recommended to each transferee customer through the trust company.

[0008] Optionally, in response to a transfer order request from a transfer client, obtaining the position result of the transfer client from the financial management system includes:

[0009] In response to the transfer order request of the transfer customer, the transfer customer is authenticated through the intermediate system to determine whether the transfer customer has the transfer qualification;

[0010] If the verification is successful, a position query request corresponding to the transferred client is sent to the financial management system, and the position result of the transferred client fed back by the financial management system is obtained.

[0011] Optionally, recommending the trust products and / or trust product combinations in the transfer documents to each transferee customer through the trust company, including:

[0012] Through the trust company, according to the trust purchase information of each transferee client and the portfolio attributes of each trust product, recommend the trust products and / or trust product portfolios in the transfer document to each transferee client.

[0013] In a second aspect, an embodiment of the present invention further provides a trust transfer method, which is applied to a transfer system and includes:

[0014] In response to a purchase order request from a transferee client, obtain the current purchase amount of the transferee client;

[0015] In response to the purchase request generated by the transferee client based on the current purchase amount, send a purchase order instruction to the wealth management system to instruct the wealth management system to register a purchase order for the transferee client and call the deposit system to deduct funds;

[0016] Store the purchase order information of each transferee client in a transferee queue, and send a transfer document corresponding to the transferee queue to the trust company through the wealth management system, so that the trust company recommends the trust products and / or trust product portfolios in the transfer document to each transferee client according to the transfer document.

[0017] Optionally, in response to a purchase order request from a transferee client, obtaining the current purchase amount of the transferee client includes:

[0018] In response to the purchase order request of the transferee client, authenticate the transferee client through an intermediate system to determine whether the transferee client has the qualification to purchase;

[0019] If the verification is passed, obtain the current purchase amount of the transferee client and feedback it to the transferee client.

[0020] Optionally, after sending a transfer document corresponding to the transferee queue to the trust company through the wealth management system, so that the trust company recommends the trust products and / or trust product portfolios in the transfer document to each transferee client according to the transfer document, it further includes:

[0021] Through the wealth management system, obtain the recommendation result of the trust company and display the recommendation result to the transfer client and the transferee client.

[0022] In a third aspect, an embodiment of the present invention further provides a trust transfer device, which is applied to a transfer system and includes:

[0023] A first acquisition module, configured to obtain the position holding result of the transfer client from the wealth management system in response to a transfer order request from the transfer client;

[0024] The transfer order placement module is used to place an order in response to the transfer request of the target trust in the position-holding result by the transfer customer, and send a transfer order placement instruction to the wealth management system to instruct the wealth management system to perform order placement registration and share freezing on the target trust;

[0025] The sending module is used to store the transfer order placement information of each target trust into the transfer queue, and send the transfer file corresponding to the transfer queue to the trust company through the wealth management system, so as to recommend the trust products and / or trust product combinations in the transfer file to each transferee customer through the trust company.

[0026] Optionally, the first acquisition module is used for:

[0027] In response to the transfer order placement request of the transfer customer, authenticate the transfer customer through the intermediate system to determine whether the transfer customer has the qualification to transfer;

[0028] If the authentication is passed, send a position-holding query request corresponding to the transfer customer to the wealth management system, and obtain the position-holding result of the transfer customer fed back by the wealth management system.

[0029] Optionally, the sending module is used for:

[0030] Through the trust company, recommend the trust products and / or trust product combinations in the transfer file to each transferee customer according to the trust purchase information of each transferee customer and the portfolio attributes of each trust product.

[0031] In a fourth aspect, an embodiment of the present invention further provides a trust transfer device applied to a transfer system, including:

[0032] The second acquisition module is used to obtain the current purchase amount of the transferee customer in response to the purchase order placement request of the transferee customer;

[0033] The purchase order placement module is used to send a purchase order placement instruction to the wealth management system in response to the purchase request generated by the transferee customer according to the current purchase amount, to instruct the wealth management system to perform order placement registration on the transferee customer, and call the deposit system to perform fund deduction;

[0034] The recommendation module is used to store the purchase order placement information of each transferee customer into the transferee queue, and send the transfer file corresponding to the transferee queue to the trust company through the wealth management system, so that the trust company recommends the trust products and / or trust product combinations in the transfer file to each transferee customer according to the transfer file.

[0035] Optionally, the second acquisition module is used for:

[0036] In response to the purchase order request of the assignee customer, authenticate the assignee customer through an intermediate system to determine whether the assignee customer has the qualification to purchase.

[0037] If the authentication is passed, obtain the current purchase quota of the assignee customer and feedback it to the assignee customer.

[0038] Optionally, it further includes: a result display module, which is used for: after sending the transfer document corresponding to the assignee queue to the trust company through the wealth management system, so that the trust company recommends the trust products and / or trust product combinations in the transfer document to each assignee customer according to the transfer document,

[0039] Obtain the recommendation result of the trust company through the wealth management system and display the recommendation result to the transfer customer and the assignee customer.

[0040] In a fifth aspect, an embodiment of the present invention further provides an electronic device, including:

[0041] One or more processors;

[0042] A storage device for storing one or more programs,

[0043] When the one or more programs are executed by the one or more processors, the one or more processors implement the trust transfer method provided by any embodiment of the present invention, or implement the trust assignment method provided by any embodiment of the present invention.

[0044] In a sixth aspect, an embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, and when the program is executed by a processor, it implements the trust transfer method provided by any embodiment of the present invention, or implements the trust assignment method provided by any embodiment of the present invention.

[0045] The technical solution of the embodiment of the present invention, in response to the transfer order request of the transfer customer through the transfer system, obtains the position holding result of the transfer customer from the wealth management system; in response to the transfer request of the transfer customer for the target trust in the position holding result, sends a transfer order instruction to the wealth management system to instruct the wealth management system to perform order registration and share freezing on the target trust; stores the transfer order information of each target trust in the transfer queue, and sends the transfer document corresponding to the transfer queue to the trust company through the wealth management system, so as to recommend the trust products and / or trust product combinations in the transfer document to each assignee customer through the trust company, solves the problem of difficult issuance of trust products in the prior art, realizes the transfer function of trust products, and improves the transaction success rate of trusts. Description of the Drawings

[0046] Figure 1aIt is a flowchart of a trust transfer method in Embodiment 1 of the present invention;

[0047] Figure 1b It is a flowchart of a trust transfer method in Embodiment 1 of the present invention;

[0048] Figure 2a It is a flowchart of a trust acceptance method in Embodiment 2 of the present invention;

[0049] Figure 2b It is a flowchart of a trust acceptance method in Embodiment 2 of the present invention;

[0050] Figure 3 It is a schematic structural diagram of a trust transfer device in Embodiment 3 of the present invention;

[0051] Figure 4 It is a schematic structural diagram of a trust acceptance device in Embodiment 4 of the present invention;

[0052] Figure 5 It is a schematic structural diagram of an electronic device in Embodiment 5 of the present invention. Detailed implementation manners

[0053] The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It can be understood that the specific embodiments described herein are only used to explain the present invention, rather than limiting the present invention. Additionally, it should be noted that for the sake of description, only parts related to the present invention rather than all structures are shown in the accompanying drawings.

[0054] Embodiment 1

[0055] Figure 1a It is a flowchart of a trust transfer method in Embodiment 1 of the present invention. This embodiment is applicable to the situation of facilitating the transfer of trust products. This method can be executed by a trust transfer device, which can be implemented by hardware and / or software and is generally integrated in a transfer system that provides a platform for the transfer and acceptance of trust products. As Figure 1a shown, the method includes:

[0056] Step 110, in response to a transfer order placement request from a transfer customer, obtain the position holding result of the transfer customer from the wealth management system.

[0057] In this embodiment, the transfer customer can be a customer who has purchased a trust product but wants to transfer it out. When the transfer customer wants to transfer out the trust product, they can apply for a transfer order placement to the transfer system through an intermediate system to register the transfer for themselves through the transfer system.

[0058] Optionally, in response to the transfer order request of the transfer customer, obtaining the position holding result of the transfer customer from the wealth management system may include: in response to the transfer order request of the transfer customer, authenticating the transfer customer through the intermediate system to determine whether the transfer customer has the qualification for transfer; if the authentication is passed, sending a position holding query request corresponding to the transfer customer to the wealth management system and obtaining the position holding result of the transfer customer feedback by the wealth management system.

[0059] In this embodiment, the intermediate system may be an employee channel system for assisting customers in information interaction with the transfer system. As Figure 1b shown, after the transfer customer sends a transfer order request, the transfer system may authenticate the transfer customer through the intermediate system to determine whether the transfer customer holds a trust product, whether the credit value of the transfer customer meets the transfer standard, for example, whether the credit value of the transfer customer is greater than a preset threshold, and whether the risk assessment result of the current product transfer is qualified, so as to determine whether the transfer customer has the qualification for transfer. If the transfer customer holds a trust product, its credit value is also higher than the preset threshold, and the risk assessment result of the current transfer is qualified, it is determined that the transfer customer passes the authentication. At this time, the transfer system receives the position holding query request sent by the intermediate system and forwards the position holding query request to the wealth management system to obtain the detailed information of the trust products currently held by the transfer customer through the wealth management system, for example, product name, holding share, etc., and then feeds back the position holding result to the transfer customer through the intermediate system.

[0060] Step 120: In response to the transfer request of the transfer customer for the target trust in the position holding result, send a transfer order instruction to the wealth management system to instruct the wealth management system to perform transfer order registration and share freezing on the target trust.

[0061] In this embodiment, as Figure 1b shown, after the position holding result is displayed to the transfer customer through the intermediate system, the name and transfer share of the target trust selected by the transfer customer for the position holding result may be further obtained through the intermediate system, and a corresponding transfer request is generated. The transfer system receives the transfer request of the target trust sent by the intermediate system, generates a transfer order instruction corresponding to the transfer request, and sends it to the wealth management system, so that the wealth management system performs transfer order registration and corresponding share freezing on the target trust of the transfer customer according to the transfer order instruction, and generates corresponding transfer order information.

[0062] Step 130: Store the transfer order information of each target trust in the transfer queue, and send a transfer file corresponding to the transfer queue to the trust company through the wealth management system, so as to recommend the trust products and / or trust product combinations in the transfer file to each transferee customer through the trust company.

[0063] In this embodiment, as Figure 1bAs shown, the transfer system receives transfer requests from multiple transfer customers every day. For each transfer request, corresponding transfer order information is generated through the wealth management system. All transfer order information generated in a day is stored in the transfer queue and sent to the wealth management system. The wealth management system converts the transfer queue into a transfer file and pushes it to the trust company at the end of the day, so that the trust company can find suitable transferee customers for each trust product in the transfer file and make recommendations to complete the transfer of trust products. Among them, the transferee customer refers to a customer who wants to purchase trust products. Among them, the transfer system can also store all transfer order information generated within 3 days or one week in the transfer queue and send it to the wealth management system, and this time period can be adjusted as needed.

[0064] Optionally, recommending the trust products and / or trust product combinations in the transfer file to each transferee customer through the trust company may include: through the trust company, recommending the trust products and / or trust product combinations in the transfer file to each transferee customer according to the trust purchase information of each transferee customer and the combined attributes of each trust product.

[0065] In this embodiment, when the trust company is used to find transferee customers for each trust product in the transfer file, it can match suitable transferee customers for each trust product to be transferred according to information such as the shares of each trust product purchased by the transferee customer, the combined attributes between multiple trust products that the transferee customer wants to purchase, the expected time to purchase trust products, and in the transfer file, the transfer shares of each trust product to be transferred, the combined attributes between each trust product to be transferred, etc.

[0066] Among them, the combined attributes between trust products can be to add transfer or purchase restrictions to different trust products. For example, different trust products need to be transferred or purchased simultaneously, or only transfer or purchase a certain series of trust products, or only allow the transfer or purchase of certain system products within a certain time period, etc.

[0067] In this embodiment, the transfer system only provides a platform for transfer customers and trust companies to conduct trust product transfers, does not conduct fund trading activities, and does not directly recommend transferee customers for each trust product to be transferred. The transfer system is decoupled from the intermediate system, the wealth management system, and the trust company, and the work processes of each system are independent of each other. Therefore, the transfer system can also provide a transfer platform for other products and can be implemented with only a small amount of development work.

[0068] In the technical solution of the embodiment of the present invention, the transfer system responds to the transfer order request of the transfer customer, obtains the position holding result of the transfer customer from the wealth management system; in response to the transfer request of the transfer customer for the target trust in the position holding result, sends a transfer order instruction to the wealth management system to instruct the wealth management system to conduct order registration and share freezing for the target trust; stores the transfer order information of each target trust in the transfer queue, and sends the transfer document corresponding to the transfer queue to the trust company through the wealth management system, so as to recommend the trust products and / or trust product combinations in the transfer document to each transferee customer through the trust company, solves the problem of difficult issuance of trust products in the prior art, realizes the transfer function of trust products, and improves the transaction success rate of trusts.

[0069] Embodiment 2

[0070] Figure 2a It is a flowchart of a trust transfer method in Embodiment 2 of the present invention. This embodiment is applicable to the situation of recommending trust products to be transferred to transferee customers. This method can be executed by a trust transfer device, which can be implemented by hardware and / or software and is generally integrated in a transfer system that provides a platform for trust product transfer and acceptance. As Figure 2a shown, the method includes:

[0071] Step 210, in response to the purchase order request of the transferee customer, obtain the current purchase amount of the transferee customer.

[0072] In this embodiment, the transferee customer refers to a customer who wants to purchase trust products. When the transferee customer wants to purchase trust products, they can apply for a purchase order to the transfer system through the intermediate system to conduct purchase registration for themselves through the transfer system.

[0073] Optionally, in response to the purchase order request of the transferee customer, obtaining the current purchase amount of the transferee customer may include: in response to the purchase order request of the transferee customer, authenticate the transferee customer through the intermediate system to determine whether the transferee customer has the qualification to purchase; if the verification is passed, obtain the current purchase amount of the transferee customer and feedback it to the transferee customer.

[0074] In this embodiment, the intermediate system may be an employee channel system, which is used to assist customers in information interaction with the transfer system. As Figure 2bAs shown, after the assignee customer sends a purchase order request, the transfer system can authenticate the assignee customer through an intermediate system to determine whether the credit value of the assignee customer meets the acceptance criteria. For example, whether the credit value of the assignee customer is greater than a preset threshold, and whether the risk assessment result of the current product purchase is qualified, so as to determine whether the assignee customer has the qualification to purchase. If the credit value of the assignee customer is higher than the preset threshold and the risk assessment result of the current purchase is qualified, it is determined that the assignee customer passes the verification. At this time, the transfer system obtains the total number of trust products to be transferred in the transfer system as the current purchase limit according to the purchase limit query request sent by the intermediate system, and feeds back the current purchase limit to the assignee customer through the intermediate system.

[0075] Step 220: In response to the purchase request generated by the assignee customer according to the current purchase limit, send a purchase order instruction to the wealth management system to instruct the wealth management system to register the purchase order for the assignee customer and call the deposit system to deduct funds.

[0076] In this embodiment, as Figure 2b shown, after feeding back the current purchase limit to the assignee customer through the intermediate system, the purchase information of the trust product determined by the assignee customer for the current purchase limit can be further obtained through the intermediate system, such as the name and purchase share of the trust product, and a corresponding purchase request is generated. The transfer system receives the purchase request sent by the intermediate system, generates a purchase order instruction corresponding to the purchase request, and sends it to the wealth management system, so that the wealth management system registers the trust purchase information of the assignee customer according to the purchase order instruction, calls the deposit system to perform corresponding fund deduction, and generates corresponding purchase order information.

[0077] Step 230: Store the purchase order information of each assignee customer in the assignee queue, and send the assignee file corresponding to the assignee queue to the trust company through the wealth management system, so that the trust company recommends the trust products and / or trust product combinations in the transfer file to each assignee customer according to the assignee file.

[0078] In this embodiment, as Figure 2b shown, the transfer system receives purchase requests from multiple assignee customers every day. For each purchase request, corresponding purchase order information will be generated through the wealth management system. All the purchase order information generated in a day will be stored in the assignee queue and sent to the wealth management system. The wealth management system converts the assignee queue into an assignee file and pushes it to the trust company at the end of the day, so that the trust company can find suitable assignee customers for each trust product in the transfer file and make recommendations to complete the transfer and acceptance of the trust products. Among them, the transfer system can also store all the purchase order information generated within 3 days or a week in the assignee queue and send it to the wealth management system, and this time period can be adjusted as needed.

[0079] In this embodiment, when a trust company recommends suitable trust products to each transferee client in the transfer document, it can recommend suitable transferable trust products to each transferee client based on information such as the share of each trust product sought by the transferee client, the combined attributes between multiple trust products the client wants to purchase, the expected time to purchase trust products, as well as information such as the transfer share of each transferable trust product in the transfer document and the combined attributes between each transferable trust product.

[0080] Among them, the combined attributes between trust products can be adding transfer or purchase restrictions to different trust products. For example, different trust products need to be transferred or purchased simultaneously, or only transfer or purchase a certain series of trust products, or only allow the transfer or purchase of certain types of products within a certain time period, and so on.

[0081] Optionally, after sending the transfer document corresponding to the transferee queue to the trust company through the wealth management system, so that the trust company recommends the trust products and / or trust product combinations in the transfer document to each transferee client according to the transfer document, it may further include: obtaining the recommendation result of the trust company through the wealth management system and presenting the recommendation result to the transfer client and the transferee client.

[0082] In this embodiment, after recommending the trust products and / or trust product combinations in the transfer document to each transferee client through the trust company, it is also necessary to obtain the successfully traded recommendation result from the trust company through the wealth management system and simultaneously present the obtained recommendation result to the corresponding transfer client and transferee client through the intermediate system, so as to facilitate the transfer client and the transferee client to confirm whether the transaction is correct.

[0083] In this embodiment, the transfer system only provides a platform for transfer clients and trust companies to transfer and receive trust products, does not conduct fund trading activities, and does not directly recommend transferee clients for each transferable trust product. The transfer system is decoupled from the intermediate system, wealth management system, deposit system, and trust company, and the working processes of each system are independent of each other. Therefore, the transfer system can also provide a transfer platform for other products and can be implemented with only a small amount of development work.

[0084] In the technical solution of the embodiment of the present invention, the transfer system responds to the purchase order request of the transferee customer to obtain the current purchase quota of the transferee customer; in response to the purchase request generated by the transferee customer according to the current purchase quota, it sends a purchase order instruction to the wealth management system to instruct the wealth management system to register the purchase order for the transferee customer and call the deposit system to deduct funds; stores the purchase order information of each transferee customer in the transferee queue, and sends the transfer document corresponding to the transferee queue to the trust company through the wealth management system, so that the trust company recommends the trust products and / or trust product combinations in the transfer document to each transferee customer, solving the problem of difficult issuance of trust products in the prior art, realizing the transfer function of trust products, and improving the transaction success rate of trusts.

[0085] Embodiment III

[0086] Figure 3 FIG. is a schematic structural diagram of a trust transfer device in Embodiment III of the present invention. This embodiment is applicable to the situation of facilitating the transfer of trust products. The device can be implemented by hardware and / or software and is generally integrated in a transfer system that provides a platform for the transfer and acceptance of trust products. As Figure 3 shown, the device includes:

[0087] The first acquisition module 310 is configured to obtain the position holding result of the transfer customer from the wealth management system in response to the transfer order request of the transfer customer;

[0088] The transfer order module 320 is configured to, in response to the transfer request of the transfer customer for the target trust in the position holding result, send a transfer order instruction to the wealth management system to instruct the wealth management system to register the transfer order for the target trust and freeze the shares;

[0089] The sending module 330 is configured to store the transfer order information of each target trust in the transfer queue, and send the transfer document corresponding to the transfer queue to the trust company through the wealth management system, so as to recommend the trust products and / or trust product combinations in the transfer document to each transferee customer through the trust company.

[0090] In the technical solution of the embodiment of the present invention, the transfer system responds to the transfer order request of the transfer customer to obtain the position holding result of the transfer customer from the wealth management system; in response to the transfer request of the transfer customer for the target trust in the position holding result, it sends a transfer order instruction to the wealth management system to instruct the wealth management system to register the transfer order for the target trust and freeze the shares; stores the transfer order information of each target trust in the transfer queue, and sends the transfer document corresponding to the transfer queue to the trust company through the wealth management system, so as to recommend the trust products and / or trust product combinations in the transfer document to each transferee customer through the trust company, solving the problem of difficult issuance of trust products in the prior art, realizing the transfer function of trust products, and improving the transaction success rate of trusts.

[0091] Optionally, the first acquisition module 310 is configured to:

[0092] In response to the transfer order request of the transfer customer, authenticate the transfer customer through the intermediate system to determine whether the transfer customer has the transfer qualification;

[0093] If the authentication is passed, send a position query request corresponding to the transfer customer to the wealth management system and obtain the position result of the transfer customer feedback by the wealth management system.

[0094] Optionally, the sending module 330 is configured to:

[0095] Through the trust company, recommend the trust products and / or trust product combinations in the transfer document to each transferee customer according to the trust purchase information of each transferee customer and the combined attributes of each trust product.

[0096] The trust transfer device provided by the embodiments of the present invention can execute the trust transfer method provided by any embodiment of the present invention, and has the corresponding function modules and beneficial effects for executing the method.

[0097] Embodiment 4

[0098] Figure 4 FIG. is a schematic structural diagram of a trust transferee device in Embodiment 4 of the present invention. This embodiment is applicable to the situation of recommending trust products to be transferred to transferee customers. The device can be implemented by hardware and / or software, and can generally be integrated in a transfer system providing a trust product transfer and transferee platform. As Figure 4 shown, the device includes:

[0099] The second acquisition module 410 is configured to obtain the current purchase amount of the transferee customer in response to the purchase order request of the transferee customer;

[0100] The purchase order module 420 is configured to send a purchase order instruction to the wealth management system in response to the purchase request generated by the transferee customer according to the current purchase amount, so as to instruct the wealth management system to register the purchase order for the transferee customer, and call the deposit system to perform fund deduction;

[0101] The recommendation module 430 is configured to store the purchase order information of each transferee customer in the transferee queue, and send the transfer document corresponding to the transferee queue to the trust company through the wealth management system, so that the trust company recommends the trust products and / or trust product combinations in the transfer document to each transferee customer according to the transfer document.

[0102] In the technical solution of the embodiment of the present invention, the transfer system responds to the purchase order request of the assignee customer, obtains the current purchase amount of the assignee customer; in response to the purchase request generated by the assignee customer according to the current purchase amount, sends a purchase order instruction to the wealth management system to instruct the wealth management system to register the purchase order for the assignee customer, and calls the deposit system to deduct funds; stores the purchase order information of each assignee customer in the assignee queue, and sends the assignee file corresponding to the assignee queue to the trust company through the wealth management system, so that the trust company recommends the trust products and / or trust product combinations in the transfer file to each assignee customer according to the assignee file, solves the problem of difficult issuance of trust products in the prior art, realizes the transfer function of trust products, and improves the transaction success rate of trusts.

[0103] Optionally, the second obtaining module 410 is configured to:

[0104] In response to the purchase order request of the assignee customer, authenticate the assignee customer through the intermediate system to determine whether the assignee customer has the qualification to purchase;

[0105] If the verification is passed, obtain the current purchase amount of the assignee customer and feedback it to the assignee customer.

[0106] Optionally, it further includes: a result display module, configured to: after sending the assignee file corresponding to the assignee queue to the trust company through the wealth management system, so that the trust company recommends the trust products and / or trust product combinations in the transfer file to each assignee customer according to the assignee file,

[0107] Obtain the recommendation result of the trust company through the wealth management system and display the recommendation result to the transfer customer and the assignee customer.

[0108] The trust transfer device provided by the embodiment of the present invention can execute the trust transfer method provided by any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0109] Embodiment Five

[0110] Figure 5 It is a schematic structural diagram of an electronic device in Embodiment Five of the present invention. Figure 5 The block diagram of the exemplary device 12 suitable for implementing the embodiment of the present invention is shown. Figure 5 The displayed device 12 is only an example and should not bring any limitation to the functions and usage scope of the embodiment of the present invention.

[0111] Such as Figure 5As shown, device 12 is embodied in the form of a general-purpose computing device. The components of device 12 may include, but are not limited to: one or more processors or processing units 16, a system memory 28, and a bus 18 that couples different system components including the system memory 28 and the processing unit 16.

[0112] Bus 18 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, a graphics acceleration port, a processor, or a local bus using any of a variety of bus structures. By way of example, these architectures include, but are not limited to, Industry Standard Architecture (ISA) bus, Micro Channel Architecture (MAC) bus, Enhanced ISA bus, Video Electronics Standards Association (VESA) local bus, and Peripheral Component Interconnect (PCI) bus.

[0113] Device 12 typically includes a variety of computer system readable media. Such media can be any available media that can be accessed by device 12, including both volatile and nonvolatile media, removable and non-removable media.

[0114] System memory 28 can include computer system readable media in the form of volatile memory, such as random access memory (RAM) 30 and / or cache memory 32. Device 12 may further include other removable / non-removable, volatile / nonvolatile computer system storage media. By way of example only, a storage system 34 can be used for reading from and writing to a non-removable, nonvolatile magnetic medium ( Figure 5 not shown, typically referred to as a "hard disk drive"). Although Figure 5 not shown in the figures, a disk drive for reading from and writing to a removable nonvolatile disk (such as a "floppy disk"), and an optical disk drive for reading from and writing to a removable nonvolatile optical disk (such as a CD-ROM, DVD-ROM, or other optical medium) can be provided. In these cases, each drive can be connected to bus 18 by one or more data media interfaces. Memory 28 may include at least one program product having a set (e.g., at least one) of program modules that are configured to carry out the functions of the various embodiments of the present invention.

[0115] A program / utility 40 having a set (at least one) of program modules 42 can be stored, for example, in memory 28, and such program modules 42 include, but are not limited to, an operating system, one or more application programs, other program modules, and program data, each of which examples or some combination thereof may include an implementation of a network environment. The program modules 42 generally carry out the functions and / or methods of the embodiments described herein.

[0116] The device 12 may also communicate with one or more external devices 14 (e.g., keyboards, pointing devices, displays 24, etc.), may communicate with one or more devices that enable a user to interact with the device 12, and / or may communicate with any device that enables the device 12 to communicate with one or more other computing devices (e.g., network cards, modems, etc.). Such communication may be performed via an input / output (I / O) interface 22. Furthermore, the device 12 may also communicate with one or more networks (e.g., local area networks (LANs), wide area networks (WANs), and / or public networks, such as the Internet) via a network adapter 20. As shown, the network adapter 20 communicates with other modules of the device 12 via a bus 18. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the device 12, including, but not limited to, microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0117] The processing unit 16 executes various functional applications and data processing by running the programs stored in the system memory 28, such as implementing the trust transfer method or trust transfer method provided in the embodiment of the present invention.

[0118] That is: to implement a trust transfer method, applied to the transfer system, including:

[0119] In response to the transfer order request of the transfer customer, obtain the transfer customer's position result from the financial management system;

[0120] In response to the transfer request of the transfer client for the target trust in the position result, a transfer order instruction is sent to the wealth management system to instruct the wealth management system to register the order and freeze the shares of the target trust;

[0121] The transfer order information of each target trust is stored in the transfer queue, and the transfer documents corresponding to the transfer queue are sent to the trust company through the financial management system, so that the trust products and / or trust product combinations in the transfer documents can be recommended to each transferee customer through the trust company.

[0122] Alternatively, a trust transfer method is implemented and applied to the transfer system, including:

[0123] In response to the purchase order request of the transferee customer, obtain the current purchase amount of the transferee customer;

[0124] In response to the purchase request generated by the acquirer according to the current purchase quota, a purchase order instruction is sent to the financial management system to instruct the financial management system to register the order of the acquirer and call the deposit system to deduct funds;

[0125] Store the purchase order information of each transferee client into the transferee queue, and send the transfer documents corresponding to the transferee queue to the trust company through the wealth management system, so that the trust company can recommend the trust products and / or trust product portfolios in the transfer documents to each transferee client according to the transfer documents.

[0126] Embodiment Six

[0127] Embodiment Six of the present invention also provides a computer-readable storage medium, on which a computer program is stored. When the program is executed by a computer processor, it is used to execute a trust transfer method or a trust transfer acceptance method.

[0128] That is: Implement a trust transfer method, which is applied to a transfer system and includes:

[0129] In response to the transfer order request of the transfer client, obtain the position holding result of the transfer client from the wealth management system;

[0130] In response to the transfer request of the transfer client for the target trust in the position holding result, send a transfer order instruction to the wealth management system to instruct the wealth management system to register the transfer order and freeze the shares of the target trust;

[0131] Store the transfer order information of each target trust into the transfer queue, and send the transfer documents corresponding to the transfer queue to the trust company through the wealth management system, so as to recommend the trust products and / or trust product portfolios in the transfer documents to each transferee client through the trust company.

[0132] Or, implement a trust transfer acceptance method, which is applied to a transfer system and includes:

[0133] In response to the purchase order request of the transferee client, obtain the current purchase amount of the transferee client;

[0134] In response to the purchase request generated by the transferee client according to the current purchase amount, send a purchase order instruction to the wealth management system to instruct the wealth management system to register the purchase order for the transferee client and call the deposit system to conduct fund transfer;

[0135] Store the purchase order information of each transferee client into the transferee queue, and send the transfer documents corresponding to the transferee queue to the trust company through the wealth management system, so that the trust company can recommend the trust products and / or trust product portfolios in the transfer documents to each transferee client according to the transfer documents.

[0136] The computer storage medium of the embodiments of the present invention may adopt any combination of one or more computer-readable media. The computer-readable media may be computer-readable signal media or computer-readable storage media. The computer-readable storage media may be, for example, but not limited to: electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices, or components, or any combination of the above. More specific examples (non-exhaustive list) of the computer-readable storage media include: electrical connections with one or more wires, portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fibers, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the above. In this document, the computer-readable storage media may be any tangible medium that contains or stores a program, and this program can be used by or in combination with an instruction execution system, device, or component.

[0137] The computer-readable signal media may include data signals propagated in a baseband or as part of a carrier wave, which carry computer-readable program codes. Such propagated data signals may take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. The computer-readable signal media may also be any computer-readable medium other than the computer-readable storage media, and this computer-readable medium can send, propagate, or transmit a program for use by or in combination with an instruction execution system, device, or component.

[0138] The program codes contained on the computer-readable media can be transmitted by any suitable medium, including but not limited to wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0139] The computer program codes for performing the operations of the present invention can be written in one or more programming languages or combinations thereof. The programming languages include object-oriented programming languages such as Java, Smalltalk, C++, and also include conventional procedural programming languages such as the "C" language or similar programming languages. The program codes can be executed entirely on the user's computer, partially on the user's computer, executed as an independent software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer can be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computer (for example, by using an Internet service provider to connect through the Internet).

[0140] Note that the above is only the preferred embodiment of the present invention and the technical principles applied. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein, and various obvious changes, re-adjustments and substitutions can be made by those skilled in the art without departing from the protection scope of the present invention. Therefore, although the present invention has been described in more detail through the above embodiments, the present invention is not limited to the above embodiments only. Without departing from the concept of the present invention, more other equivalent embodiments can be included, and the scope of the present invention is determined by the scope of the appended claims.

Claims

1. A trust transfer method, characterized in that, Applied to a transfer system, including: In response to a transfer order placement request from a transfer customer, obtain the position holding result of the transfer customer from the wealth management system; In response to the transfer request of the transfer customer for the target trust in the position holding result, send a transfer order placement instruction to the wealth management system to instruct the wealth management system to conduct order placement registration and share freezing for the target trust; Deposit the transfer order placement information of each target trust into a transfer queue, and send a transfer document corresponding to the transfer queue to the trust company through the wealth management system, so as to recommend the trust products and / or trust product combinations in the transfer document to each transferee customer through the trust company; The obtaining the position holding result of the transfer customer from the wealth management system in response to the transfer order placement request from the transfer customer includes: In response to the transfer order placement request from the transfer customer, authenticate the transfer customer through an intermediate system to determine whether the transfer customer has the transfer qualification; wherein, the intermediate system is an employee channel system for assisting customers in information interaction with the transfer system; the transfer system is decoupled from the intermediate system, the wealth management system, and the trust company; the transfer system deposits each generated transfer order placement information into the transfer queue according to a time cycle and sends it to the wealth management system; If the authentication is passed, send a position holding query request corresponding to the transfer customer to the wealth management system and obtain the position holding result of the transfer customer feedback by the wealth management system; The authenticating the transfer customer through the intermediate system to determine whether the transfer customer has the transfer qualification in response to the transfer order placement request from the transfer customer includes: Determine whether the credit value of the transfer customer is greater than a preset threshold and whether the risk assessment result of the trust product transfer is qualified, and further determine whether the transfer customer has the transfer qualification, including; If the transfer customer holds the trust product, the risk assessment result of the trust product transfer is qualified, and the credit value is also greater than the preset threshold, it is determined that the transfer customer has the transfer qualification; The recommending the trust products and / or trust product combinations in the transfer document to each transferee customer through the trust company includes: Through the trust company, recommend the trust products and / or trust product combinations in the transfer document to each transferee customer according to the trust purchase information of each transferee customer and the portfolio attributes of each trust product; Among them, the trust company recommends the trust products and / or trust product combinations in the transfer document to each transferee customer according to the trust purchase information of each transferee customer and the portfolio attributes of each trust product, including: matching suitable transferee customers for each trust product to be transferred according to the shares of each trust product purchased by the transferee customer, the portfolio attributes between multiple trust products to be pre-purchased, the time information for expecting to purchase trust products, and the transfer shares of each trust product to be transferred in the transfer document, as well as the portfolio attribute information between each trust product to be transferred; among them, the portfolio attribute between trust products is to add transfer or purchase restrictions to different trust products; the adding of transfer or purchase restrictions to different trust products includes: transferring or purchasing different trust products simultaneously; or only transferring or purchasing a certain series of trust products; or only allowing the transfer or purchase of certain system products within a certain time period.

2. A trust transfer method, characterized in that Applied to the transfer system, including: In response to the purchase order request of the transferee customer, obtain the current purchase quota of the transferee customer; In response to the purchase request generated by the transferee customer according to the current purchase quota, send a purchase order instruction to the wealth management system to instruct the wealth management system to register the purchase order for the transferee customer and call the deposit system to conduct fund deduction; Deposit the purchase order information of each transferee customer into the transferee queue, and send the transferee document corresponding to the transferee queue to the trust company through the wealth management system, so that the trust company recommends the trust products and / or trust product combinations in the transfer document to each transferee customer according to the transferee document; among them, the sending of the transferee document corresponding to the transferee queue to the trust company through the wealth management system, so that the trust company recommends the trust products and / or trust product combinations in the transfer document to each transferee customer according to the transferee document, including: matching suitable transferee customers for each trust product to be transferred according to the shares of each trust product purchased by the transferee customer, the portfolio attributes between multiple trust products to be pre-purchased, the time information for expecting to purchase trust products, and the transfer shares of each trust product to be transferred in the transfer document, as well as the portfolio attribute information between each trust product to be transferred; among them, the portfolio attribute between trust products is to add transfer or purchase restrictions to different trust products; the adding of transfer or purchase restrictions to different trust products includes: transferring or purchasing different trust products simultaneously; or only transferring or purchasing a certain series of trust products; or only allowing the transfer or purchase of certain system products within a certain time period; The obtaining of the current purchase quota of the transferee customer in response to the purchase order request of the transferee customer includes: In response to the purchase order request of the assignee customer, the assignee customer is authenticated through the intermediate system to determine whether the assignee customer has the qualification to make a purchase; wherein, the intermediate system is an employee channel system for assisting customers in information interaction with the transfer system; the transfer system is decoupled from the intermediate system, the wealth management system, and the trust company; the transfer system stores the generated transfer order information in the transfer queue according to a time cycle and sends it to the wealth management system; If the verification is passed, obtain the current purchase quota of the assignee customer and feedback it to the assignee customer; The step of, in response to the purchase order request of the assignee customer, authenticating the assignee customer through the intermediate system to determine whether the assignee customer has the qualification to make a purchase includes: Determine whether the credit value of the assignee customer is greater than a preset threshold and whether the risk assessment result of the purchase of the trust product is qualified, and then determine whether the assignee customer has the qualification to make a purchase, including; If the risk assessment result of the purchase by the assignee customer is qualified and the credit value is greater than the preset threshold, it is determined that the assignee customer has the qualification to make a purchase.

3. The method according to claim 2, wherein After sending the assignment document corresponding to the assignee queue to the trust company through the wealth management system so that the trust company recommends the trust products and / or trust product combinations in the assignment document to each assignee customer according to the assignment document, it further includes: Obtain the recommendation result of the trust company through the wealth management system and display the recommendation result to the transfer customer and the assignee customer.

4. A trust transfer device, characterized in that, Applied to the transfer system, it includes: A first acquisition module for, in response to the transfer order request of the transfer customer, obtaining the position holding result of the transfer customer from the wealth management system; A transfer order module for, in response to the transfer request of the transfer customer for the target trust in the position holding result, sending a transfer order instruction to the wealth management system to instruct the wealth management system to register the transfer order and freeze the shares of the target trust; A sending module for storing the transfer order information of each target trust in the transfer queue and sending the transfer document corresponding to the transfer queue to the trust company through the wealth management system to recommend the trust products and / or trust product combinations in the transfer document to each assignee customer through the trust company; The first acquisition module specifically is used for: In response to the transfer order request of the transfer customer, authenticating the transfer customer through the intermediate system to determine whether the transfer customer has the qualification to transfer; wherein, the intermediate system is an employee channel system for assisting customers in information interaction with the transfer system; the transfer system is decoupled from the intermediate system, the wealth management system, and the trust company; the transfer system stores the generated transfer order information in the transfer queue according to a time cycle and sends it to the wealth management system; If the verification is passed, send a position holding query request corresponding to the transfer customer to the wealth management system and obtain the position holding result of the transfer customer fed back by the wealth management system; The first acquisition module is further used for: Determine whether the credit value of the transfer customer is greater than a preset threshold, and whether the risk assessment result of the trust product transfer is qualified, and then determine whether the transfer customer is eligible for transfer, including; If the transferor holds the trust product, the risk assessment result of the trust product transfer is qualified, and the credit value is also greater than the preset threshold, then the transferor is determined to be eligible for transfer; The sending module is specifically used for: The trust company recommends the trust products and / or trust product combinations in the transfer document to each transferee customer based on the trust purchase information of each transferee customer and the combination attributes of each trust product; wherein, the trust company recommends the trust products and / or trust product combinations in the transfer document to each transferee customer based on the trust purchase information of each transferee customer and the combination attributes of each trust product, including: matching appropriate transferee customers for each trust product to be transferred based on the share of each trust product purchased by the transferee customer, the combination attributes between multiple trust products to be purchased in advance, the expected time information for purchasing the trust product, and the transfer share of each trust product to be transferred and the combination attribute information between each trust product to be transferred in the transfer document; wherein, the combination attribute between the trust products is to add transfer or purchase restriction conditions to different trust products; the adding transfer or purchase restriction conditions to different trust products includes: transferring or purchasing different trust products at the same time; or transferring or purchasing only a series of trust products; or allowing only a few system products to be transferred or purchased within a certain time period.

5. A trust transfer device, characterized in that, Applied to transfer systems, including: The second acquisition module is used to respond to the purchase order request of the transferee customer and obtain the current purchase amount of the transferee customer; A purchase order module, configured to respond to a purchase request generated by the acquirer according to the current purchase quota, send a purchase order instruction to the financial management system to instruct the financial management system to register the order of the acquirer and call the deposit system to deduct funds; A recommendation module, configured to store the purchase order information of each transferee client into a transferee queue, and send a transfer document corresponding to the transferee queue to a trust company through a wealth management system, so that the trust company recommends trust products and / or trust product combinations in the transfer document to each transferee client according to the transfer document; wherein, the step of sending a transfer document corresponding to the transferee queue to the trust company through the wealth management system, so that the trust company recommends trust products and / or trust product combinations in the transfer document to each transferee client according to the transfer document, includes: matching suitable transferee clients for each transferable trust product according to the share of each trust product purchased by the transferee client, the combination attributes between multiple pre-purchased trust products, the time information for expecting to purchase the trust product, and in the transfer document, the transfer share of each transferable trust product, and the combination attribute information between each transferable trust product; wherein, the combination attribute between trust products is to add transfer or purchase restriction conditions to different trust products; the step of adding transfer or purchase restriction conditions to different trust products includes: transferring or purchasing different trust products simultaneously; or only transferring or purchasing a certain series of trust products; or only allowing the transfer or purchase of certain system products within a certain time period; The second acquisition module is specifically configured to: In response to a purchase order request from the transferee client, authenticate the identity of the transferee client through an intermediate system to determine whether the transferee client has the qualification to purchase; wherein, the intermediate system is an employee channel system, which is used to assist the client in information interaction with the transfer system; the transfer system is decoupled from the intermediate system, the wealth management system, and the trust company; the transfer system stores each transfer order information generated in a transfer queue according to a time period, and sends it to the wealth management system; If the authentication is passed, obtain the current purchase quota of the transferee client and feedback it to the transferee client; The second acquisition module is further configured to: Determine whether the credit value of the transferee client is greater than a preset threshold, and whether the risk assessment result of the trust product purchase is qualified, so as to determine whether the transferee client has the qualification to purchase, including; If the risk assessment result of the trust product purchased by the transferee client is qualified, and the credit value is greater than the preset threshold, it is determined that the transferee client has the qualification to purchase.

6. The device according to claim 5, wherein, It further includes: A result display module, configured to: after sending a transfer document corresponding to the transferee queue to the trust company through the wealth management system, so that the trust company recommends trust products and / or trust product combinations in the transfer document to each transferee client according to the transfer document, Obtain the recommendation result of the trust company through the wealth management system, and display the recommendation result to the transfer client and the transferee client.

7. An electronic device, characterized in that, It includes: One or more processors; A storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the trust transfer method as claimed in claim 1, or implement the trust acquisition method as claimed in any one of claims 2-3.

8. A computer-readable storage medium having a computer program stored thereon, characterized in that, When executed by a processor, the program implements the trust transfer method described in claim 1, or implements the trust acceptance method described in any one of claims 2-3.

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