Time deposit certificate circulation method and device

Abstract

The present invention provides a method and device for circulating time deposit certificates, which relate to the financial field and can be used for the circulation of time deposit certificates in the financial field. The method for circulating time deposit certificates includes: receiving a time deposit certificate generation request sent by a mobile terminal and generating a time deposit certificate and detailed information corresponding to the time deposit certificate according to the deposit certificate parameters obtained by parsing the time deposit certificate generation request; sending the time deposit certificate and the detailed information to the mobile terminal; obtaining a time deposit certificate transaction request sent by the mobile terminal and parsing the transaction instruction and target time deposit certificate obtained by the time deposit certificate transaction request; the target time deposit certificate is selected by the mobile terminal from at least two time deposit certificates according to at least two detailed information; and the target time deposit certificate is traded based on the transaction instruction. It can not only reduce manual workload and improve work efficiency; it can also reduce human audit costs and improve authorization security, save time, and be flexible and simple to control. It provides customers with a more friendly and quick user experience.

Description

Technical Field

[0001] The present invention relates to the field of Internet technology, in particular to time deposits in the financial field, and specifically to a time deposit circulation method and device. Background Art

[0002] At present, with the rapid development of Internet finance and social networks, the scenarios and channels of fund transactions are becoming more and more diversified, and the relationship between finance and social networking is becoming closer. "Red envelope social networking" is a stepping stone for social software to successfully enter the field of financial payment, which ultimately allows social software to occupy a certain position in the field of online finance and take a piece of the pie from traditional banks. The rise of "red envelope social networking" is due to the huge social user base of social software on the one hand; on the other hand, it is the flexibility of online red envelopes. The ability to deposit and withdraw at any time, instant distribution, and dynamic and visible transactions make online red envelopes an indispensable role in social networking.

[0003] Compared with online red envelopes, traditional bank time deposits are very inflexible. The transaction channels are limited to specific channels of the bank system. They only support withdrawals, account closures, and inquiries through manual channels, and do not support transfers to others. Manual review is prone to errors, resulting in low efficiency, low security, and low reliability in opening time deposits. On the other hand, there are barriers between banks and other financial institutions and between internal channels of banks. Deposit certificates cannot be circulated in other partner institutions, causing traditional banks to gradually lose their advantages in the field of Internet financial deposits.

[0004] Therefore, the account opening channels, efficiency, security and liquidity of existing time deposits need to be improved. Summary of the invention

[0005] In response to the problems in the prior art, the present invention provides a method and device for circulating time deposit certificates, which improve the liquidity of time deposit certificates while ensuring the income of time deposit certificates, meet customers' requirements for flexible allocation of funds, and attract customers' willingness to deposit through the income of time deposit certificates.

[0006] In order to solve the above technical problems, the present invention provides the following technical solutions:

[0007] In a first aspect, the present invention provides a time deposit certificate circulation method, comprising:

[0008] Receiving a request for generating a time deposit certificate sent by a mobile terminal and generating a time deposit certificate and detailed information corresponding to the time deposit certificate according to deposit certificate parameters obtained by parsing the request for generating the time deposit certificate;

[0009] sending the term deposit certificate and the detailed information to the mobile terminal, so that the mobile terminal initiates a term deposit certificate transaction operation based on the term deposit certificate and the detailed information;

[0010] Acquire a time deposit certificate transaction request sent by the mobile terminal and parse the time deposit certificate transaction request to obtain a transaction instruction and a target time deposit certificate; the target time deposit certificate is selected by the mobile terminal from at least two time deposit certificates according to at least two detailed information;

[0011] The target time deposit certificate is traded based on the transaction instruction.

[0012] The step of generating a term deposit and detailed information corresponding to the term deposit according to the deposit certificate parameters obtained by parsing the term deposit certificate generation request includes:

[0013] Determine the base interest rate and floating interest rate of the time deposit certificate according to the deposit certificate parameters and a preset deposit interest rate table;

[0014] Filling a preset certificate of deposit template based on the certificate of deposit parameters, the benchmark interest rate and the floating interest rate to obtain a time certificate of deposit;

[0015] The formats of the certificate of deposit parameters, the base rate and the floating rate are converted into a target format, and detailed information corresponding to the term deposit is generated according to the converted and formatted certificate of deposit parameters, the base rate and the floating rate.

[0016] Wherein, the step of filling a preset deposit certificate template based on the deposit certificate parameter, the benchmark interest rate and the floating interest rate to obtain a time deposit certificate includes:

[0017] Determine the tag identifiers corresponding to the deposit certificate parameters, the base rate, and the floating rate;

[0018] The data values ​​corresponding to the deposit certificate parameters, the base rate and the floating rate are filled into the corresponding content areas in the deposit certificate template through the respective tag identifiers.

[0019] Wherein, the performing transaction processing on the target time deposit certificate based on the transaction instruction includes:

[0020] Sending the target time deposit certificate to a third-party mobile terminal designated by the mobile terminal, and receiving the transaction result of the target time deposit certificate fed back by the third-party mobile terminal;

[0021] The transaction instruction includes the address of a third-party mobile terminal specified by the mobile terminal.

[0022] Furthermore, the performing transaction processing on the target time deposit certificate based on the transaction instruction further includes:

[0023] Identify the third-party mobile terminal as an unregistered customer, send a registration request to the third-party mobile terminal and receive registration information fed back by the third-party mobile terminal;

[0024] The customer information corresponding to the third-party mobile terminal is generated according to the registration information.

[0025] Furthermore, the performing transaction processing on the target time deposit certificate based on the transaction instruction further includes:

[0026] Performing risk control checks on the third-party mobile terminal;

[0027] If the target time deposit certificate is not included in the risk control list, the target time deposit certificate will be sent to a third-party mobile terminal designated by the mobile terminal.

[0028] Furthermore, after sending the target time deposit certificate to the third-party mobile terminal designated by the mobile terminal, the method further includes:

[0029] Determine the life cycle of the target term deposit according to the deposit certificate parameters corresponding to the target term deposit;

[0030] If confirmation information of the target time deposit certificate sent by the third-party mobile terminal is received within the life cycle, the status of the target time deposit certificate is marked as completed.

[0031] Furthermore, before receiving the time deposit certificate generation request sent by the mobile terminal, the method further includes:

[0032] Configure each time deposit certificate and the deposit certificate parameters corresponding to each time deposit certificate;

[0033] Publish each of the time deposit certificates and the certificate parameters corresponding to each of the time deposit certificates, so that the mobile terminal generates a time deposit certificate generation request according to the published time deposit certificates and the corresponding deposit certificate parameters.

[0034] Among them, the certificate of deposit parameters of the time deposit certificate include: transaction channel, minimum deposit amount, certificate of deposit base interest rate, floating interest rate, whether to support transactions and at least one of the number of days for overdue confirmation expiration.

[0035] In a second aspect, the present invention provides a time deposit certificate circulation device, comprising:

[0036] A request module, used for receiving a request for generating a time deposit certificate sent by a mobile terminal and generating a time deposit certificate and detailed information corresponding to the time deposit certificate according to the deposit certificate parameters obtained by parsing the request for generating the time deposit certificate;

[0037] A feedback module, configured to send the term deposit certificate and the detailed information to the mobile terminal, so that the mobile terminal initiates a term deposit certificate transaction operation based on the term deposit certificate and the detailed information;

[0038] a parsing module, configured to obtain a time deposit certificate transaction request sent by the mobile terminal and parse the time deposit certificate transaction request to obtain a transaction instruction and a target time deposit certificate; the target time deposit certificate is selected by the mobile terminal from at least two time deposit certificates according to at least two detailed information;

[0039] A transaction module is used to perform transaction processing on the target time deposit certificate based on the transaction instruction.

[0040] In a third aspect, the present invention provides an electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the time deposit circulation method when executing the program.

[0041] In a fourth aspect, the present invention provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the time deposit certificate circulation method.

[0042] It can be seen from the above technical scheme that the present invention provides a method and device for circulating time deposit certificates, which generates time deposit certificates and detailed information corresponding to time deposit certificates by receiving a time deposit certificate generation request sent by a mobile terminal and parsing the deposit certificate parameters obtained from the time deposit certificate generation request; sending the time deposit certificate and the detailed information to the mobile terminal, so that the mobile terminal initiates a time deposit certificate transaction operation based on the time deposit certificate and the detailed information; obtaining the time deposit certificate transaction request sent by the mobile terminal and parsing the transaction instruction and target time deposit certificate obtained from the time deposit certificate transaction request; the target time deposit certificate is selected by the mobile terminal from at least two time deposit certificates based on at least two detailed information; and performing transaction processing on the target time deposit certificate based on the transaction instruction. It can not only reduce manual workload and improve work efficiency; it can also reduce human audit costs and improve authorization security, save time, and be flexible and simple to control. It provides customers with a more friendly and quick user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0044] Figure 1 It is a first flow chart of the time deposit certificate circulation method in an embodiment of the present invention.

[0045] Figure 2 A flowchart of step S101 in the time deposit certificate circulation method provided in an embodiment of the present invention.

[0046] Figure 3 A flowchart of step S104 in the time deposit certificate circulation method provided in an embodiment of the present invention.

[0047] Figure 4 It is a second flow chart of the time deposit certificate circulation method in the embodiment of the present invention.

[0048] Figure 5 It is a schematic diagram of the entire process of the time deposit certificate circulation method in an embodiment of the present invention.

[0049] Figure 6 It is a schematic diagram of the structure of a time deposit certificate circulation device in an embodiment of the present invention.

[0050] Figure 7 Schematic diagram of the time deposit certificate circulation system in an embodiment of the present invention.

[0051] Figure 8 Schematic diagram of the structure of an electronic device in an embodiment of the present invention. DETAILED DESCRIPTION

[0052] In order to make the purpose, technical solution and advantages of the embodiments of the present invention clearer, the technical solution in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0053] The present invention provides an embodiment of a time deposit certificate circulation method, see Figure 1 The time deposit certificate circulation method specifically includes the following contents:

[0054] S101: receiving a time deposit certificate generation request sent by a mobile terminal and generating a time deposit certificate and detailed information corresponding to the time deposit certificate according to deposit certificate parameters obtained by parsing the time deposit certificate generation request;

[0055] In this step, the bank customer accesses and sends a request for generating a time deposit certificate by operating a mobile terminal, through social software installed on the mobile terminal, or a mini-program or public account in the social software.

[0056] It is understandable that the mobile terminal is a mobile communication device that supports access to the Internet and supports the installation of third-party social software, such as WeChat, Alipay, ICBC Rong E-Link, etc. The social software can be software with financial functions released by the bank.

[0057] It should be noted that the request for generating a term deposit certificate is generated by the mobile terminal based on the term deposit certificate and the certificate parameters corresponding to the term deposit certificate. The certificate parameters of the term deposit certificate include: transaction channel, minimum deposit amount, certificate base interest rate, floating interest rate, whether to support transactions and overdue confirmation expiration days.

[0058] After receiving the time deposit certificate generation request sent by the mobile terminal, the time deposit certificate generation request is parsed to obtain the deposit certificate parameters carried in the time deposit certificate generation request; and the time deposit certificate is generated according to the deposit certificate parameters, specifically including:

[0059] According to the deposit certificate parameters corresponding to the time deposit certificate generation request, a deduction request is sent to the mobile terminal that sent the time deposit certificate generation request; after receiving the deduction request confirmation information sent by the mobile terminal, a time deposit certificate is generated. In this embodiment, detailed information corresponding to the time deposit certificate can be generated based on the deposit certificate parameters. The detailed information is a file used to describe the content of the time deposit certificate. The detailed information includes the deposit certificate parameters after format conversion and the detailed content in the time deposit certificate or the content that needs to be displayed. The content to be displayed can be set according to the needs. Furthermore, the time deposit certificate is linked to the time deposit certificate list of the mobile terminal.

[0060] The mobile terminal deducts money from the wallet or associated account according to the deduction request. (Multiple purchases can be made) After the deduction transaction is successful, you can view the purchased regular list.

[0061] In this embodiment, the purchaser of the time deposit certificate must use real name to prevent false documents; the settlement transaction must collide with the risk control model, including anti-money laundering control, sanctions blacklist control, and online fraud control.

[0062] S102: sending the time deposit certificate and the detailed information to the mobile terminal, so that the mobile terminal initiates a time deposit certificate transaction operation based on the time deposit certificate and the detailed information;

[0063] In this step, a term deposit certificate and detailed information are generated based on the certificate parameters, and the term deposit certificate and the details are sent to the mobile terminal. The term deposit certificate and the detailed information are linked to the term deposit certificate list of the mobile terminal, and the term deposit certificate is described by the detailed information in the term deposit certificate list.

[0064] S103: Acquire a time deposit transaction request sent by the mobile terminal and parse the time deposit transaction request to obtain a transaction instruction and a target time deposit; the target time deposit is selected by the mobile terminal from at least two time deposits according to at least two detailed information;

[0065] In this step, when the customer needs to transfer or trade a time deposit certificate, he / she selects the target time deposit certificate to be transferred or traded from at least two time deposit certificates based on at least two detailed information in the time deposit certificate list, and specifies the customer card number and customer social account of the receiving target time deposit certificate. At this time, the target time deposit certificate is still linked under the customer's name.

[0066] It is understandable that the client sends a term deposit transaction request through a mobile terminal, wherein the sent term deposit transaction request includes the target term deposit to be traded and the address of a third-party mobile terminal that receives the target term deposit to be traded.

[0067] Specifically, the customer selects a target time deposit certificate from the purchased time deposit list, confirms the customer card number or customer social account to be transferred, and generates a time deposit certificate transaction request after confirming the information of the transferee.

[0068] S104: Perform transaction processing on the target time deposit certificate based on the transaction instruction.

[0069] In this step, the time deposit certificate transaction request is parsed to obtain the target time deposit certificate to be traded and the address of the designated third-party mobile terminal, the target time deposit certificate is sent to the third-party mobile terminal, and the transaction result of the target time deposit certificate fed back by the third-party mobile terminal is received; wherein the transaction instruction includes the address of the third-party mobile terminal designated by the mobile terminal.

[0070] From the above description, it can be seen that the present invention provides a method for circulating time deposit certificates, which generates time deposit certificates and detailed information corresponding to time deposit certificates by receiving a time deposit certificate generation request sent by a mobile terminal and parsing the deposit certificate parameters obtained from the time deposit certificate generation request; sending the time deposit certificate and the detailed information to the mobile terminal, so that the mobile terminal initiates a time deposit certificate transaction operation based on the time deposit certificate and the detailed information; obtaining the time deposit certificate transaction request sent by the mobile terminal and parsing the transaction instruction and target time deposit certificate obtained from the time deposit certificate transaction request; the target time deposit certificate is selected by the mobile terminal from at least two time deposit certificates based on at least two detailed information; and performing transaction processing on the target time deposit certificate based on the transaction instruction. It can not only reduce manual workload and improve work efficiency; it can also reduce human audit costs and improve authorization security, save time, and be flexible and simple to control. It provides customers with a more friendly and quick user experience.

[0071] In one embodiment of the present invention, see Figure 2 , a specific implementation of step S101 of the time deposit circulation method is provided, which specifically includes the following contents:

[0072] S1011: Determine the base interest rate and floating interest rate of the time deposit certificate according to the deposit certificate parameters and a preset deposit interest rate table;

[0073] In this step, the certificate of deposit parameters can be obtained by parsing the request for generating a time deposit certificate, wherein the certificate of deposit parameters include at least: storage amount, storage time and transfer mark.

[0074] According to the deposit amount and storage time in the certificate parameters, the base interest rate and floating interest rate of the term deposit certificate are determined by comparing with the interest rate table set by the bank. And according to the transfer mark, it is determined whether the term deposit certificate supports transfer.

[0075] S1012: Filling a preset deposit certificate template based on the deposit certificate parameters, the benchmark interest rate, and the floating interest rate to obtain a time deposit certificate;

[0076] In this step, the certificate of deposit parameters, base interest rate, floating interest rate and transfer flag are filled into the preset certificate of deposit template to obtain the time certificate of deposit corresponding to the certificate of deposit parameters.

[0077] In this embodiment, a specific implementation of step S1012 is provided, which specifically includes the following contents:

[0078] Determine the tag identifiers corresponding to the certificate of deposit parameters, the base rate and the floating rate respectively; fill the data values ​​corresponding to the certificate of deposit parameters, the base rate and the floating rate respectively into the corresponding content areas in the certificate of deposit template through the respective tag identifiers.

[0079] In the specific implementation, the preset certificate of deposit template contains at least two content areas that need to be filled with data. Each content area will define a tag identifier. The data value is filled into the corresponding content area in the certificate of deposit template through the tag identifier. After the content area data is filled, the time deposit certificate is generated and saved.

[0080] It should be noted that the data format definition: Each set of data formats will define an identifier to distinguish different data formats. This identifier will match the template identifier of the deposit certificate template. Each value identifier in the data format will match the label identifier in the deposit certificate template. The data format and the deposit certificate template must be able to match as a set, that is, the correspondence between a set of data formats and a deposit certificate template. Each meaningful value in the data format corresponds to a content area in the deposit certificate template, so that this value is presented in this content area.

[0081] S1013: Convert the formats of the certificate of deposit parameters, the base rate and the floating rate into a target format, and generate detailed information corresponding to the term deposit based on the converted and formatted certificate of deposit parameters, the base rate and the floating rate.

[0082] In this step, the data values ​​filled into the deposit certificate template are formatted. The purpose of the format conversion is to unify the formats of the various filled data values, store them after the formats are unified, and then obtain the detailed information corresponding to the time deposit certificate.

[0083] In this embodiment, by automatically generating time deposit certificates, not only can the manual workload be reduced and work efficiency be improved, but also the human review cost can be reduced and the authorization security can be improved.

[0084] In one embodiment of the present invention, see Figure 3 The step S104 of the time deposit certificate circulation method specifically includes the following contents:

[0085] S1041: Sending the target time deposit certificate to a third-party mobile terminal designated by the mobile terminal, and receiving a transaction result of the target time deposit certificate fed back by the third-party mobile terminal;

[0086] The transaction instruction includes the address of a third-party mobile terminal specified by the mobile terminal.

[0087] In this step, the target time deposit certificate is sent to the third-party mobile terminal specified by the mobile terminal, that is, the address of the third-party mobile terminal in the transaction instruction. After the recipient logs in to the third-party mobile terminal to confirm the target time deposit certificate, the confirmation information of the target time deposit certificate is generated. The confirmation information sent by the third-party mobile terminal is received, and the time deposit certificate is linked to the time deposit certificate list of the third-party mobile terminal.

[0088] Among them, if it is not confirmed within the overdue confirmation expiration days, the time deposit certificate will be linked to the original customer's time deposit certificate list.

[0089] S1042: Identify the third-party mobile terminal as an unregistered customer, send a registration request to the third-party mobile terminal and receive registration information fed back by the third-party mobile terminal; generate customer information corresponding to the third-party mobile terminal according to the registration information.

[0090] In this step, the third-party mobile terminal is identified as an unregistered customer. That is, the third-party mobile terminal is not a customer of the bank. A registration request is sent to the third-party mobile terminal to guide the customer to register and supplement the real name. After receiving the registration information sent by the third-party mobile terminal, the customer information corresponding to the third-party mobile terminal is generated to complete the registration and real-name system. Then, the confirmation information of the target time deposit certificate sent by the third-party mobile terminal is received, and the time deposit certificate is linked to the time deposit certificate list of the third-party mobile terminal.

[0091] Furthermore, the customer's time deposit certificate list can be viewed through a third-party mobile terminal.

[0092] S1043: Perform a risk control check on the third-party mobile terminal; if it does not match the risk control list, send the target time deposit certificate to the third-party mobile terminal designated by the mobile terminal.

[0093] In this step, risk control checks are required for both parties of the transaction. If the risk control model is matched, the transaction is rejected and a risk event prompt message is sent. If the risk control model is not matched, the transaction continues.

[0094] Perform a risk control check on the third-party mobile terminal. If the third-party mobile terminal does not hit the risk control list, the target time deposit certificate is sent to the third-party mobile terminal specified by the mobile terminal. Further, the third-party mobile terminal completes the transaction of the time deposit certificate according to the target time deposit certificate. If the third-party mobile terminal hits the risk control list, the target time deposit certificate is refused to be sent to the third-party mobile terminal specified by the mobile terminal. The mobile terminal is prompted that the time deposit certificate is risky.

[0095] S1044: Determine the life cycle of the target time deposit certificate based on the deposit certificate parameters corresponding to the target time deposit certificate; if confirmation information of the target time deposit certificate sent by the third-party mobile terminal is received within the life cycle, mark the status of the target time deposit certificate as completed.

[0096] In this step, if the life cycle is exceeded, the target time deposit certificate is invalid regardless of whether the confirmation information of the target time deposit certificate sent by the third-party mobile terminal is received.

[0097] By determining the life cycle of the target time deposit certificate, it is possible to avoid a third-party mobile terminal failing to confirm the target time deposit certificate for a long time, thereby avoiding a large number of unfinished transactions.

[0098] From the above description, it can be seen that the present invention provides a time deposit certificate circulation method, which can reduce the cost of human audit and improve the security of authorization, save time, and be flexible and simple to control, giving customers a more friendly and quick use experience.

[0099] In one embodiment of the present invention, see Figure 4 Before step S101 of the time deposit circulation method, the following contents are specifically included:

[0100] S100: Configure each time deposit certificate and the deposit certificate parameters corresponding to each of the time deposit certificates; publish each time deposit certificate and the deposit certificate parameters corresponding to each of the time deposit certificates, so that the mobile terminal generates a time deposit generation request based on the published time deposit certificate and the corresponding deposit certificate parameters.

[0101] In this embodiment, the bank configures the certificate parameters of the time deposit certificate in the background of the product management platform and releases a time deposit certificate product that supports multi-channel transfer (setting the number of transfers supported and the transfer channels) through the product management platform.

[0102] The customer accesses the product management platform through social software and other channels on the mobile terminal. The customer uses the mobile terminal to view the list of products that can be used to purchase term deposits, selects a term deposit product that meets their needs based on the term deposit parameters, and fills in the deposit parameters. A term deposit generation request is generated based on the term deposit parameters corresponding to the term deposit product.

[0103] The certificate parameters of the time deposit in this embodiment include: transaction channel, minimum deposit amount, certificate of deposit base interest rate, floating interest rate, whether to support transactions and the number of days for overdue confirmation expiration.

[0104] For example, a bank configures the certificate parameters for a term deposit and publishes a term product through the product management platform, including the following parameters:

[0105] Transaction channels: third-party channels (social software) and internal online channels; minimum deposit amount: more than 50 yuan; deposit certificate benchmark interest rate: reference benchmark interest rate, such as 1.75% for one year; floating interest rate: increase according to actual conditions, such as an increase of 30% if the account opening amount exceeds 10,000; whether transfer is supported: yes; number of days for overdue confirmation to expire: N days.

[0106] From the above description, we can know that compared with buying time deposit certificates at the counter, using mobile terminals does not require filling out application forms, showing IDs, taking photos for authorization, and other tedious steps. All data exchanges are only run in the background, which can not only reduce manual workload and improve work efficiency and data processing efficiency, but also reduce labor review costs and improve authorization security, save time, and control is flexible and simple, giving customers a more friendly and fast user experience.

[0107] To further illustrate the present invention, the present invention provides a full-process embodiment of a time deposit circulation method, see Figure 5 The time deposit certificate circulation method specifically includes the following contents:

[0108] S1: Banks configure term deposit products;

[0109] The bank generates term deposit products by configuring the certificate parameters of term deposits and releases term deposit products through the product management platform.

[0110] For example, the certificate parameters for a term deposit include:

[0111] Transaction channels: third-party channels (including WeChat, Alipay, Rong E-Link, etc.) and internal online channels;

[0112] Minimum deposit amount: 50 yuan or more;

[0113] Deposit certificate benchmark interest rate: refer to the central bank's benchmark interest rate, such as 1.75% for one year;

[0114] Floating interest rate: It will increase according to the actual situation. If the account opening amount exceeds 10,000, it will increase by 30%;

[0115] Support transfer: Yes;

[0116] Number of days for overdue confirmation to expire: N days.

[0117] S2: The customer logs into a third-party social software to purchase a time deposit certificate;

[0118] The customer logs in to the third-party social software, jumps to the bank's applet or official account, views the list of regular products that can be purchased, fills in the deposit amount and submits it, and the system automatically deducts the amount from the wallet or associated account. (Multiple purchases are possible) After the transaction is successful, view the list of purchased regular products.

[0119] S3: The customer chooses a specific friend to give a time deposit certificate as a gift;

[0120] The customer selects a deposit certificate from the list of purchased fixed deposits, clicks [Give], selects a designated friend from the friend list as the recipient, and clicks [Confirm] after confirming the other party's information.

[0121] S4: Send an order to be confirmed to a friend;

[0122] A transfer order is automatically generated, the transfer order status is 'pending confirmation', and a link is automatically sent to the recipient friend.

[0123] S5: The friend confirms receiving the order through a third-party mobile terminal;

[0124] After the recipient (friend) logs in to the third-party social software through a third-party mobile terminal, clicks the regular gift link, confirms the relevant information and clicks [Confirm]. If the gift is not received within the time limit (for example, 7 days), the order will automatically become invalid, and the regular gift will still be listed in the original customer's regular gift list.

[0125] S6: Identify the other party’s new and old customers;

[0126] After receiving the order confirmation request, the bank system identifies whether the recipient is a new customer. If so, it will supplement the information and create customer information.

[0127] For example:

[0128]

[0129] S7: Conduct risk control checks on friends;

[0130] The bank system automatically performs a risk control check on the recipient (friend). If the risk control model is matched, the transaction is rejected and a risk event is sent. If the risk control model is not matched, the transaction continues.

[0131]

[0132] S8: Time deposit certificate activation;

[0133] Verify the validity of the time deposit certificate and automatically update the status of the time deposit to [Activated].

[0134] S9: Supplement the information of holders of time deposit certificates;

[0135] The recipient's customer information is automatically added to establish a relationship between the recipient and the period.

[0136] S10: Update order status;

[0137] The order status is automatically updated to [Completed], and the order life cycle ends.

[0138] S11: Display time deposit certificates in the new customer deposit list;

[0139] When the customer views his / her time deposit certificate list, the time deposit certificate is displayed as [Gifted]; when the recipient views his / her time deposit certificate list, the new deposit certificate is displayed.

[0140] From the above description, it can be seen that compared with traditional paper deposit certificates, the technical solution of this application supports circulation in different channels, including WeChat and mobile banking, is more flexible, more in line with customer usage habits, and enriches the product form of bank personal time deposit certificates. It can also make up for the defect of low yield of existing social wallets, which can not only meet users' needs for social interaction, but also increase customers' asset returns.

[0141] The embodiment of the present invention provides a specific implementation of a time deposit certificate circulation device that can realize all the contents of the time deposit certificate circulation method, see Figure 6 The time deposit certificate circulation device specifically includes the following contents:

[0142] The request module 10 is used to receive a request for generating a time deposit certificate sent by a mobile terminal and generate a time deposit certificate and detailed information corresponding to the time deposit certificate according to the deposit certificate parameters obtained by parsing the request for generating the time deposit certificate;

[0143] A feedback module 20, configured to send the term deposit certificate and the detailed information to the mobile terminal, so that the mobile terminal initiates a term deposit certificate transaction operation based on the term deposit certificate and the detailed information;

[0144] The parsing module 30 is used to obtain the time deposit certificate transaction request sent by the mobile terminal and parse the time deposit certificate transaction request to obtain the transaction instruction and the target time deposit certificate; the target time deposit certificate is selected by the mobile terminal from at least two time deposit certificates according to at least two detailed information;

[0145] The transaction module 40 is used to perform transaction processing on the target time deposit certificate based on the transaction instruction.

[0146] The request module 10 comprises:

[0147] An interest rate submodule, used to determine the base interest rate and floating interest rate of the time deposit certificate according to the deposit certificate parameters and a preset deposit interest rate table;

[0148] A deposit certificate submodule, used to fill in a preset deposit certificate template based on the deposit certificate parameters, the benchmark interest rate and the floating interest rate to obtain a term deposit certificate;

[0149] The detailed information submodule is used to convert the formats of the certificate of deposit parameters, the benchmark interest rate and the floating interest rate into the target format, and generate detailed information corresponding to the term deposit based on the formatted certificate of deposit parameters, the benchmark interest rate and the floating interest rate.

[0150] Wherein, the deposit receipt submodule includes:

[0151] A label unit, used to determine label identifiers corresponding to the deposit certificate parameters, the base rate and the floating rate respectively;

[0152] A processing unit is used to fill the data values ​​corresponding to the deposit certificate parameters, the base interest rate and the floating interest rate into the corresponding content area in the deposit certificate template through each tag identifier.

[0153] The transaction module 40 includes:

[0154] A transceiver submodule, configured to send the target time deposit certificate to a third-party mobile terminal designated by the mobile terminal, and receive a transaction result of the target time deposit certificate fed back by the third-party mobile terminal;

[0155] The transaction instruction includes the address of a third-party mobile terminal specified by the mobile terminal.

[0156] The transaction module 40 further includes:

[0157] An identification submodule, used to identify a third-party mobile terminal as an unregistered client, and then send a registration request to the third-party mobile terminal and receive registration information fed back by the third-party mobile terminal;

[0158] The registration submodule is used to generate customer information corresponding to the third-party mobile terminal according to the registration information.

[0159] The transaction module 40 further includes:

[0160] A risk control submodule, used to perform risk control checks on the third-party mobile terminal;

[0161] The judgment submodule is used to send the target time deposit certificate to a third-party mobile terminal designated by the mobile terminal if the risk control list is not hit.

[0162] The transaction module 40 further includes:

[0163] A period submodule, used to determine the life cycle of the target term deposit certificate according to the deposit certificate parameters corresponding to the target term deposit certificate;

[0164] The marking submodule is used to mark the status of the target time deposit certificate as completed if confirmation information of the target time deposit certificate sent by the third-party mobile terminal is received within the life cycle.

[0165] The time deposit certificate circulation device specifically includes:

[0166] A configuration module, used to configure each term deposit and the deposit parameter corresponding to each term deposit;

[0167] The publishing module is used to publish each of the time deposit certificates and the deposit certificate parameters corresponding to each of the time deposit certificates, so that the mobile terminal generates a time deposit certificate generation request based on the published time deposit certificates and the corresponding deposit certificate parameters.

[0168] Among them, the certificate of deposit parameters of time deposits include: transaction channel, minimum deposit amount, certificate of deposit base interest rate, floating interest rate, whether transactions are supported and at least one of the number of days for overdue confirmation expiration.

[0169] From the above description, it can be known that the term deposit circulation device provided by the embodiment of the present invention generates a term deposit and detailed information corresponding to the term deposit by receiving a term deposit generation request sent by a mobile terminal and parsing the deposit parameter obtained from the term deposit generation request; sends the term deposit and the detailed information to the mobile terminal, so that the mobile terminal initiates a term deposit transaction operation based on the term deposit and the detailed information; obtains the term deposit transaction request sent by the mobile terminal and parses the transaction instruction and target term deposit obtained from the term deposit transaction request; the target term deposit is selected by the mobile terminal from at least two term deposits based on at least two detailed information; and performs transaction processing on the target term deposit based on the transaction instruction. It can not only reduce manual workload and improve work efficiency; it can also reduce human audit costs and improve authorization security, save time, and be flexible and simple to control. It provides customers with a more friendly and quick user experience.

[0170] To further illustrate the present invention, the present invention provides an embodiment of a time deposit certificate circulation system, see Figure 7 The time deposit certificate circulation system specifically includes the following contents:

[0171] Mobile terminal device 1, risk control management subsystem 2, personal deposit subsystem 3, Web server 4.

[0172] Mobile terminal device 1: a mobile communication device that supports access to the Internet and supports the installation of third-party social software (such as WeChat, Alipay, ICBC Rong E-Link, etc.).

[0173] Risk Control Management Subsystem 2: Time deposit purchasers must use their real names to prevent false documents; according to the requirements of the People's Bank of China, settlement transactions must comply with risk control models, including anti-money laundering control, sanctions blacklist control, and online fraud control.

[0174] Personal deposit subsystem 3: Mainly responsible for the account linkage processing between the bank and third-party social software, mainly including the following scenarios:

[0175] Deduct customer funds, open time deposits, and establish a relationship between customers and time deposits;

[0176] Regular transfer and linkage update of regular customer information;

[0177] Order creation, sending, confirmation, and expiration processing.

[0178] Among them, the mobile terminal device 1, the risk control management subsystem 2, the personal deposit subsystem 3, the Web server 4 and the third-party terminal communicate through the wide area network. The third-party terminal: supports access to the banking financial system (such as mini-programs, public accounts) to purchase regular payments, can send / receive communication messages in real time, push orders, and confirm orders.

[0179] The risk control management subsystem 2 includes: customer real-name module, anti-money laundering control module, sanctions blacklist control module, and network fraud control module. Existing banking systems have established risk control management systems that support the import of relevant blacklists and identify illegal transactions through model matching. The entire control process is executed by the background, and the customer is not aware of it. The relevant customer information is transmitted to the bank system by the third-party terminal when the time deposit certificate is deposited.

[0180] For example, the software code for risk check in the risk control management subsystem is as follows:

[0181]

[0182]

[0183] The personal deposit subsystem 3 includes: a deduction module, a term deposit certificate access module, a new and old customer identification module, a maturity income calculation module, a term deposit certificate generation module, a term deposit certificate transfer module, and a term deposit certificate activation module.

[0184] Deduction module: The bank system initiates an asynchronous deduction request to the third-party social software and waits for the deduction result synchronously. The third-party social software is linked to deduct the transaction amount from the customer's wallet or associated account and returns the deduction result to the bank.

[0185] Regular purchase access module: determines whether the customer meets the access conditions for purchasing the regular product: minimum deposit amount (the minimum deposit amount for ordinary regular deposits is 50 yuan), sales channel (configuration supports third-party cooperation channels and internal online channels), etc.

[0186] New and old customer identification module: Based on the customer information sent from the third-party social software, determine whether it is a new customer. If it is a new customer, automatically create customer information and real-name.

[0187] Maturity yield calculation module: configure the benchmark interest rate of the time deposit through parameters (such as the one-year reference central bank benchmark of 1.75%) and configure the floating ratio of a specific channel.

[0188] Interest rate = central bank benchmark interest rate I0001·(1+floating ratio);

[0189] Interest due = account opening amount AMOUNT · term TERM / 360 · interest rate RATE / 100.

[0190] Time deposit certificate generation module: Based on the amount + term entered by the customer, the system automatically creates an unactivated deposit certificate and saves the order information (including purchase amount, term, interest due, customer information) to the database for subsequent display to the customer.

[0191] Time deposit certificate transfer module: The third-party terminal sends the successfully purchased deposit certificate ID + recipient customer information to the bank system. The deposit subsystem determines the validity of the deposit certificate ID and the recipient customer information. If the verification is successful, the customer to whom the deposit certificate belongs is automatically adjusted to the recipient, and the result is returned to the third-party terminal.

[0192] Fixed deposit activation module: The background initiates an asynchronous process to automatically update the deposit certificate to an activated status, which can then be queried and withdrawn through various channels.

[0193] The present application provides an embodiment of an electronic device for implementing all or part of the contents of the time deposit circulation method. The electronic device specifically includes the following contents:

[0194] Processor, memory, communication interface and bus; wherein the processor, memory and communication interface communicate with each other through the bus; the communication interface is used to realize information transmission between related devices; the electronic device can be a desktop computer, a tablet computer and a mobile terminal, etc., but the present embodiment is not limited thereto. In the present embodiment, the electronic device can be implemented with reference to the embodiment for realizing the method for circulating the term deposit certificate and the embodiment for realizing the device for circulating the term deposit certificate, and the contents thereof are incorporated herein and the repeated parts are not repeated.

[0195] Figure 8 FIG. 9 is a schematic block diagram of the system structure of the electronic device 9600 according to an embodiment of the present application. Figure 8 As shown, the electronic device 9600 may include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. It is worth noting that Figure 8 is exemplary; other types of structures may also be used to supplement or replace this structure to implement telecommunication functions or other functions.

[0196] In one embodiment, the time deposit certificate circulation function may be integrated into the central processor 9100. The central processor 9100 may be configured to perform the following control:

[0197] Receive a time deposit certificate generation request sent by a mobile terminal and generate a time deposit certificate and detailed information corresponding to the time deposit certificate based on the deposit certificate parameters obtained by parsing the time deposit certificate generation request; send the time deposit certificate and the detailed information to the mobile terminal so that the mobile terminal initiates a time deposit certificate transaction operation based on the time deposit certificate and the detailed information; obtain the time deposit certificate transaction request sent by the mobile terminal and parse the transaction instruction and target time deposit certificate obtained by the time deposit transaction request; the target time deposit certificate is selected by the mobile terminal from at least two time deposit certificates based on at least two detailed information; and perform transaction processing on the target time deposit certificate based on the transaction instruction.

[0198] From the above description, it can be seen that the electronic device provided by the embodiment of the present application generates a term deposit and detailed information corresponding to the term deposit by receiving a term deposit certificate generation request sent by a mobile terminal and parsing the deposit certificate parameters obtained from the term deposit certificate generation request; sends the term deposit certificate and the detailed information to the mobile terminal, so that the mobile terminal initiates a term deposit certificate transaction operation based on the term deposit certificate and the detailed information; obtains the term deposit certificate transaction request sent by the mobile terminal and parses the transaction instruction and target term deposit certificate obtained from the term deposit certificate transaction request; the target term deposit certificate is selected by the mobile terminal from at least two term deposit certificates based on at least two detailed information; and performs transaction processing on the target term deposit certificate based on the transaction instruction. It can not only reduce manual workload and improve work efficiency; it can also reduce human audit costs and improve authorization security, save time, and be flexible and simple to control. It gives customers a more friendly and fast user experience.

[0199] In another embodiment, the term deposit certificate circulation device may be configured separately from the central processor 9100. For example, the term deposit certificate circulation device may be configured as a chip connected to the central processor 9100, and the term deposit certificate circulation function may be implemented through the control of the central processor.

[0200] like Figure 8 As shown, the electronic device 9600 may also include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is worth noting that the electronic device 9600 does not necessarily have to include Figure 8 In addition, the electronic device 9600 may also include Figure 8 For components not shown, reference may be made to the prior art.

[0201] like Figure 8 As shown, the central processing unit 9100 is sometimes also referred to as a controller or an operation control, and may include a microprocessor or other processor device and / or logic device. The central processing unit 9100 receives input and controls the operation of various components of the electronic device 9600.

[0202] The memory 9140 may be, for example, one or more of a cache, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory or other suitable devices. The above-mentioned information related to the failure may be stored, and a program for executing the relevant information may also be stored. The CPU 9100 may execute the program stored in the memory 9140 to implement information storage or processing, etc.

[0203] The input unit 9120 provides input to the central processing unit 9100. The input unit 9120 is, for example, a key or a touch input device. The power supply 9170 is used to provide power to the electronic device 9600. The display 9160 is used to display display objects such as images and texts. The display may be, for example, an LCD display, but is not limited thereto.

[0204] The memory 9140 may be a solid-state memory, such as a read-only memory (ROM), a random access memory (RAM), a SIM card, etc. It may also be a memory that saves information even when the power is off, can be selectively erased, and is provided with more data, examples of which are sometimes referred to as EPROMs, etc. The memory 9140 may also be some other type of device. The memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application / function storage unit 9142, which is used to store application programs and function programs or processes for executing the operation of the electronic device 9600 through the central processor 9100.

[0205] The memory 9140 may also include a data storage unit 9143 for storing data, such as contacts, digital data, pictures, sounds, and / or any other data used by the electronic device. The driver storage unit 9144 of the memory 9140 may include various drivers for communication functions of the electronic device and / or for executing other functions of the electronic device (such as messaging applications, address book applications, etc.).

[0206] The communication module 9110 is a transmitter / receiver 9110 that sends and receives signals via an antenna 9111. The communication module (transmitter / receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as the case of a conventional mobile communication terminal.

[0207] Based on different communication technologies, multiple communication modules 9110 may be provided in the same electronic device, such as a cellular network module, a Bluetooth module and / or a wireless LAN module, etc. The communication module (transmitter / receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide an audio output via the speaker 9131 and receive an audio input from the microphone 9132, thereby realizing a common telecommunication function. The audio processor 9130 may include any suitable buffer, decoder, amplifier, etc. In addition, the audio processor 9130 is also coupled to the central processor 9100, so that recording can be performed on the local machine through the microphone 9132, and the sound stored on the local machine can be played through the speaker 9131.

[0208] The embodiment of the present invention also provides a computer-readable storage medium capable of implementing all the steps in the time deposit circulation method in the above embodiment. The computer-readable storage medium stores a computer program. When the computer program is executed by a processor, all the steps in the time deposit circulation method in the above embodiment are implemented. For example, when the processor executes the computer program, the following steps are implemented:

[0209] Receive a time deposit certificate generation request sent by a mobile terminal and generate a time deposit certificate and detailed information corresponding to the time deposit certificate based on the deposit certificate parameters obtained by parsing the time deposit certificate generation request; send the time deposit certificate and the detailed information to the mobile terminal so that the mobile terminal initiates a time deposit certificate transaction operation based on the time deposit certificate and the detailed information; obtain the time deposit certificate transaction request sent by the mobile terminal and parse the transaction instruction and target time deposit certificate obtained by the time deposit transaction request; the target time deposit certificate is selected by the mobile terminal from at least two time deposit certificates based on at least two detailed information; and perform transaction processing on the target time deposit certificate based on the transaction instruction.

[0210] From the above description, it can be known that the computer-readable storage medium provided in the embodiment of the present invention generates a term deposit and detailed information corresponding to the term deposit by receiving a term deposit generation request sent by a mobile terminal and parsing the deposit parameters obtained from the term deposit generation request; sends the term deposit and the detailed information to the mobile terminal, so that the mobile terminal initiates a term deposit transaction operation based on the term deposit and the detailed information; obtains the term deposit transaction request sent by the mobile terminal and parses the transaction instruction and target term deposit obtained from the term deposit transaction request; the target term deposit is selected by the mobile terminal from at least two term deposits based on at least two detailed information; and performs transaction processing on the target term deposit based on the transaction instruction. It can not only reduce manual workload and improve work efficiency; it can also reduce human audit costs and improve authorization security, save time, and be flexible and simple to control. It provides customers with a more friendly and quick user experience.

[0211] Although the present invention provides method operation steps as described in the embodiments or flowcharts, more or fewer operation steps may be included based on conventional or non-creative labor. The order of steps listed in the embodiments is only one way of executing the order of many steps and does not represent the only execution order. When the actual device or client product is executed, it can be executed in sequence or in parallel according to the method shown in the embodiments or the drawings (for example, in a parallel processor or multi-threaded processing environment).

[0212] It should be understood by those skilled in the art that the embodiments of this specification may be provided as methods, devices (systems) or computer program products. Therefore, the embodiments of this specification may take the form of complete hardware embodiments, complete software embodiments or embodiments combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes.

[0213] The present invention is described with reference to flowcharts and / or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as a combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0214] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0215] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0216] Each embodiment in this specification is described in a progressive manner, and the same and similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. It should be noted that the embodiments of the present invention and the features in the embodiments can be combined with each other without conflict. The present invention is not limited to any single aspect, any single embodiment, or any combination and / or replacement of these aspects and / or embodiments. Moreover, each aspect and / or embodiment of the present invention can be used alone or in combination with one or more other aspects and / or embodiments thereof.

[0217] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit it. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or replace some or all of the technical features therein by equivalents. These modifications or replacements do not make the essence of the corresponding technical solutions deviate from the scope of the technical solutions of the embodiments of the present invention, and they should all be included in the scope of the claims and specification of the present invention.

Claims

1. A time deposit certificate circulation method, characterized in that: include: Receiving a request for generating a time deposit certificate sent by a mobile terminal and generating a time deposit certificate and detailed information corresponding to the time deposit certificate according to deposit certificate parameters obtained by parsing the request for generating the time deposit certificate; sending the term deposit certificate and the detailed information to the mobile terminal, so that the mobile terminal initiates a term deposit certificate transaction operation based on the term deposit certificate and the detailed information; Acquire a time deposit certificate transaction request sent by the mobile terminal and parse the time deposit certificate transaction request to obtain a transaction instruction and a target time deposit certificate; The target time deposit certificate is selected by the mobile terminal from at least two time deposit certificates according to at least two detailed information; Performing transaction processing on the target time deposit certificate based on the transaction instruction; The step of generating a term deposit and detailed information corresponding to the term deposit according to the deposit certificate parameters obtained by parsing the term deposit certificate generation request includes: Determine the base interest rate and floating interest rate of the time deposit certificate according to the deposit certificate parameters and a preset deposit interest rate table; Filling a preset certificate of deposit template based on the certificate of deposit parameters, the benchmark interest rate and the floating interest rate to obtain a time certificate of deposit; The formats of the certificate of deposit parameters, the base rate and the floating rate are converted into a target format, and detailed information corresponding to the term deposit is generated according to the converted and formatted certificate of deposit parameters, the base rate and the floating rate.

2. The time deposit certificate circulation method according to claim 1, characterized in that: The step of filling a preset deposit certificate template based on the deposit certificate parameter, the benchmark interest rate and the floating interest rate to obtain a time deposit certificate includes: Determine the tag identifiers corresponding to the deposit certificate parameters, the base rate, and the floating rate; The data values ​​corresponding to the deposit certificate parameters, the base interest rate and the floating interest rate are filled into the corresponding content areas in the deposit certificate template through various tag identifiers.

3. The time deposit certificate circulation method according to claim 1, characterized in that: The performing transaction processing on the target time deposit certificate based on the transaction instruction includes: Sending the target time deposit certificate to a third-party mobile terminal designated by the mobile terminal, and receiving the transaction result of the target time deposit certificate fed back by the third-party mobile terminal; The transaction instruction includes the address of a third-party mobile terminal specified by the mobile terminal.

4. The time deposit certificate circulation method according to claim 3, characterized in that: The performing transaction processing on the target time deposit certificate based on the transaction instruction further includes: Identify the third-party mobile terminal as an unregistered customer, send a registration request to the third-party mobile terminal and receive registration information fed back by the third-party mobile terminal; The customer information corresponding to the third-party mobile terminal is generated according to the registration information.

5. The time deposit certificate circulation method according to claim 3, characterized in that: The performing transaction processing on the target time deposit certificate based on the transaction instruction further includes: Performing risk control checks on the third-party mobile terminal; If the target time deposit certificate is not included in the risk control list, the target time deposit certificate will be sent to a third-party mobile terminal designated by the mobile terminal.

6. The time deposit certificate circulation method according to claim 3, characterized in that: After sending the target time deposit certificate to the third-party mobile terminal designated by the mobile terminal, the method further includes: Determine the life cycle of the target term deposit according to the deposit certificate parameters corresponding to the target term deposit; If confirmation information of the target time deposit certificate sent by the third-party mobile terminal is received within the life cycle, the status of the target time deposit certificate is marked as completed.

7. The time deposit certificate circulation method according to claim 1, characterized in that: Before receiving the time deposit certificate generation request sent by the mobile terminal, the method further includes: Configure each time deposit certificate and the deposit certificate parameters corresponding to each time deposit certificate; Publish each of the time deposit certificates and the certificate parameters corresponding to each of the time deposit certificates, so that the mobile terminal generates a time deposit certificate generation request according to the published time deposit certificates and the corresponding deposit certificate parameters.

8. The time deposit certificate circulation method according to claim 1, characterized in that: The certificate parameters of the time deposit certificate include: transaction channel, minimum deposit amount, certificate of deposit base interest rate, floating interest rate, whether to support transactions and at least one of the number of days for overdue confirmation expiration.

9. A time deposit certificate circulation device, characterized in that: include: A request module, used for receiving a request for generating a time deposit certificate sent by a mobile terminal and generating a time deposit certificate and detailed information corresponding to the time deposit certificate according to the deposit certificate parameters obtained by parsing the request for generating the time deposit certificate; A feedback module, configured to send the term deposit certificate and the detailed information to the mobile terminal, so that the mobile terminal initiates a term deposit certificate transaction operation based on the term deposit certificate and the detailed information; A parsing module, used for acquiring a term deposit transaction request sent by the mobile terminal and parsing the term deposit transaction request to obtain a transaction instruction and a target term deposit; The target time deposit certificate is selected by the mobile terminal from at least two time deposit certificates according to at least two detailed information; A transaction module, used for performing transaction processing on the target time deposit certificate based on the transaction instruction; The step of generating a term deposit and detailed information corresponding to the term deposit according to the deposit certificate parameters obtained by parsing the term deposit certificate generation request includes: Determine the base interest rate and floating interest rate of the time deposit certificate according to the deposit certificate parameters and a preset deposit interest rate table; Filling a preset certificate of deposit template based on the certificate of deposit parameters, the benchmark interest rate and the floating interest rate to obtain a time certificate of deposit; The formats of the certificate of deposit parameters, the base rate and the floating rate are converted into a target format, and detailed information corresponding to the term deposit is generated according to the converted and formatted certificate of deposit parameters, the base rate and the floating rate.

10. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the steps of the time deposit certificate circulation method described in any one of claims 1 to 8 are implemented.

11. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the time deposit certificate circulation method described in any one of claims 1 to 8 are implemented.

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