A multi-person crowdfunding method and system for deposit certificates

Abstract

The present application provides a multi-person crowdfunding method and system for a certificate of deposit, which can be used in the field of financial technology. First, the crowdfunding initiating node sends a certificate of deposit crowdfunding request to the server; then the server generates a crowdfunding order link according to the certificate of deposit crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user; then the crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server; finally, the server performs the certificate of deposit deposit operation based on the crowdfunding configuration information. It can be seen that the present application can crowdfund certificates of deposit, and multiple people can raise funds to meet the account opening amount requirements of high-yield interest rates, meet the minimum deposit amount of product tiered pricing, enjoy higher returns, and provide high-yield certificate of deposit conditions for low-deposit customers.

Description

Technical Field

[0001] The present application relates to the field of Internet financial technology, and in particular to a multi-person crowdfunding method and system for deposit certificates. Background Art

[0002] At present, with the rapid development of Internet finance and social networks, Internet finance has gradually become an indispensable part of people's lives. More and more Internet companies have begun to enter the financial field and provide more and more diverse financial products.

[0003] In order to attract individual customers to deposit money, banks have also issued fixed deposit products with floating interest rates according to the purchase amount. However, for most customers, they may not be able to reach the minimum deposit amount of the tiered pricing or are unwilling to invest the corresponding amount in a fixed deposit (for example, if the purchase amount reaches 10,000, the interest rate of a one-year fixed deposit will increase by 40% from 1.75%), so they can only choose the second best option and choose a deposit product with a lower interest rate.

[0004] Compared with other Internet financial products, the advantages of bank time deposits are that they are principal-guaranteed and risk-free; compared with ordinary bank time deposits, a time deposit that supports crowdfunding by multiple people has a greater interest rate advantage and requires less funds; compared with the change wallets of third-party institutions such as WeChat and Alipay, the interest income is also more advantageous. However, traditional bank time deposits do not support crowdfunding by multiple people through non-bank channels. If the advantages of both can be combined, it can not only attract more deposits for banks, but also generate greater deposit income for users. Summary of the invention

[0005] In response to at least one of the problems in the prior art, the present application provides a system and method for time deposits to support multi-person crowdfunding. A single customer does not need to prepare tens of thousands of funds, and the minimum deposit conditions with floating interest rates can be met through multi-person crowdfunding, thereby achieving the goal of low deposits and high returns. Specifically, first, the crowdfunding initiation node sends a certificate of deposit crowdfunding request to the server; then the server generates a crowdfunding order link according to the certificate of deposit crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiation node and / or the crowdfunding receiving terminal corresponding to the set user; then the crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server; finally, the server performs the certificate of deposit deposit operation based on the crowdfunding configuration information.

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

[0007] In a first aspect, the present application provides a multi-person crowdfunding method for deposit receipts, which is executed by a server and includes:

[0008] Receive the deposit certificate crowdfunding request from the crowdfunding initiating node;

[0009] Generate a crowdfunding order link according to the deposit certificate crowdfunding request, wherein the crowdfunding order link includes crowdfunding configuration information;

[0010] The crowdfunding order link is sent to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user.

[0011] In a preferred embodiment, the crowdfunding initiating node is a third-party server, and the multi-person crowdfunding method further includes:

[0012] Obtaining the identity of the third-party server;

[0013] Based on the identity identifier and the corresponding authority, verify whether the deposit certificate crowdfunding request is legal;

[0014] According to the crowdfunding parameters in the certificate of deposit crowdfunding request, verify whether the certificate of deposit crowdfunding request meets the access conditions, wherein the crowdfunding parameters include: account opening amount, channel and product code.

[0015] In a preferred embodiment, the multi-person crowdfunding method further includes:

[0016] Receive crowdfunding confirmation information sent by a terminal corresponding to a set user; the crowdfunding confirmation information includes an identity identifier of the crowdfunding receiving terminal;

[0017] Account information retrieved based on the identity identifier;

[0018] Verify whether the account status is normal and determine whether the deduction amount type is valid based on the account information.

[0019] In a preferred embodiment, the crowdfunding initiating node is an initiating terminal, and the multi-person crowdfunding method further includes:

[0020] Generating a degree of interpersonal relationship correlation between the crowdfunding receiving terminal and the initiating terminal according to the identity identifier of the crowdfunding receiving terminal and the identity information of the initiating terminal, as well as the account information of the two;

[0021] If the interpersonal relationship relevance is lower than a set threshold, the crowdfunding receiving terminal is rejected from participating in crowdfunding.

[0022] In a preferred embodiment, the crowdfunding order link includes multiple ones, and each crowdfunding order link is sent to a crowdfunding receiving terminal of one of the set users;

[0023] The crowdfunding order link further includes an order number, which includes a sponsor identity, a product identity, a timestamp, a random number, and a check digit;

[0024] The method further comprises:

[0025] Generate a check digit based on the initiator identity, product identity, timestamp, and random number;

[0026] The crowdfunding order is verified according to the check digit.

[0027] In a second aspect, the present application provides a multi-person crowdfunding method for deposit certificates, which is executed by a crowdfunding initiating node and includes:

[0028] Get product information of deposit certificate products that support multi-person crowdfunding;

[0029] Crowdfunding configuration information is set according to the product information, so that the server generates a crowdfunding order link according to the crowdfunding configuration information, and sends the crowdfunding order link to the terminal corresponding to the set user.

[0030] In a third aspect, the present application provides a multi-person crowdfunding method for deposit receipts, which is executed by a crowdfunding receiving terminal and includes:

[0031] Receiving a crowdfunding order link sent by a server; the crowdfunding order link includes crowdfunding configuration information;

[0032] Generate crowdfunding confirmation information according to the crowdfunding order link, wherein the crowdfunding confirmation information includes the identity of the crowdfunding receiving terminal;

[0033] The crowdfunding confirmation information is sent to a server so that the server performs a certificate of deposit deposit operation based on the crowdfunding configuration information.

[0034] In a fourth aspect, the present application provides a multi-person crowdfunding method for deposit certificates, comprising:

[0035] The crowdfunding initiating node sends a deposit certificate crowdfunding request to the server;

[0036] The server generates a crowdfunding order link according to the deposit certificate crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiating node and / or a crowdfunding receiving terminal corresponding to the set user;

[0037] The crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity identifier of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server;

[0038] The server performs a deposit certificate deposit operation based on the crowdfunding configuration information.

[0039] In a fifth aspect, the present application provides a server, including:

[0040] The deposit certificate crowdfunding request receiving module receives the deposit certificate crowdfunding request from the crowdfunding initiating node;

[0041] A link generation module, which generates a crowdfunding order link according to the deposit certificate crowdfunding request, wherein the crowdfunding order link includes crowdfunding configuration information;

[0042] The link sending module sends the crowdfunding order link to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user.

[0043] In a preferred embodiment, the crowdfunding initiating node is a third-party server, and the server further includes:

[0044] An identity acquisition module is used to acquire the identity of the third-party server;

[0045] A legality verification module, based on the identity identifier and the corresponding authority, verifies whether the deposit certificate crowdfunding request is legal;

[0046] The access verification module verifies whether the certificate of deposit crowdfunding request meets the access conditions according to the crowdfunding parameters in the certificate of deposit crowdfunding request, wherein the crowdfunding parameters include: account opening amount, channel and product code.

[0047] In a preferred embodiment, the server further comprises:

[0048] A crowdfunding confirmation information receiving module receives crowdfunding confirmation information sent by a terminal corresponding to a set user; the crowdfunding confirmation information includes an identity identifier of the crowdfunding receiving terminal;

[0049] An account information retrieval module, which retrieves the account information according to the identity identifier;

[0050] The validity verification module verifies whether the account status is normal and determines whether the deduction amount type is valid based on the account information.

[0051] In a preferred embodiment, the crowdfunding initiating node is an initiating terminal, and the server further includes:

[0052] A relevance determination module, which generates a relevance of interpersonal relationships between the crowdfunding receiving terminal and the initiating terminal according to the identity identifier and the account information of the two terminals;

[0053] The relevance judgment module rejects the crowdfunding receiving terminal from participating in crowdfunding if the interpersonal relationship relevance is lower than a set threshold.

[0054] In a preferred embodiment, the crowdfunding order link includes multiple ones, and each crowdfunding order link is sent to a crowdfunding receiving terminal of one of the set users;

[0055] The crowdfunding order link further includes an order number, which includes a sponsor identity, a product identity, a timestamp, a random number, and a check digit;

[0056] The server also includes:

[0057] A check digit generation module generates a check digit according to the initiator identity, product identity, timestamp, and random number;

[0058] An order verification module verifies the crowdfunding order according to the verification digit.

[0059] In a sixth aspect, the present application provides a crowdfunding initiation node, including:

[0060] Product information acquisition module, which acquires product information of deposit certificate products that support multi-person crowdfunding;

[0061] The crowdfunding configuration information setting module sets the crowdfunding configuration information according to the product information, so that the server generates a crowdfunding order link according to the crowdfunding configuration information, and sends the crowdfunding order link to the terminal corresponding to the set user.

[0062] In a seventh aspect, the present application provides a crowdfunding receiving terminal, including:

[0063] A crowdfunding order link receiving module receives a crowdfunding order link sent by a server; the crowdfunding order link includes crowdfunding configuration information;

[0064] A crowdfunding confirmation information generating module, which generates crowdfunding confirmation information according to the crowdfunding order link, wherein the crowdfunding confirmation information includes an identity identifier of a crowdfunding receiving terminal;

[0065] The crowdfunding confirmation information sending module sends the crowdfunding confirmation information to the server so that the server performs the deposit certificate deposit operation based on the crowdfunding configuration information.

[0066] In an eighth aspect, the present application provides a multi-person crowdfunding system for deposit receipts, comprising: a crowdfunding initiating node, a server, and a crowdfunding receiving terminal; wherein:

[0067] The crowdfunding initiating node sends a deposit certificate crowdfunding request to the server;

[0068] The server generates a crowdfunding order link according to the deposit certificate crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiating node and / or a crowdfunding receiving terminal corresponding to the set user;

[0069] The crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity identifier of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server;

[0070] The server performs a deposit certificate deposit operation based on the crowdfunding configuration information.

[0071] In the first aspect, the present application provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the multi-person crowdfunding method of the deposit certificate when executing the program.

[0072] In a tenth aspect, the present application provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the multi-person crowdfunding method for deposit certificates.

[0073] It can be seen from the above technical scheme that the present application provides a multi-person crowdfunding method and system for a certificate of deposit, firstly, the crowdfunding initiating node sends a certificate of deposit crowdfunding request to the server; then the server generates a crowdfunding order link according to the certificate of deposit crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user; then the crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server; finally, the server performs the certificate of deposit deposit operation based on the crowdfunding configuration information. It can be seen that the present application can crowdfund certificates of deposit, and multiple people can raise funds to reach the account opening amount requirements of high-yield interest rates, meet the minimum deposit amount of product tiered pricing, enjoy higher returns, and provide high-yield certificate of deposit conditions for low-deposit customers. BRIEF DESCRIPTION OF THE DRAWINGS

[0074] In order to more clearly illustrate the embodiments of the present application 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 application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0075] Figure 1 It is a structural diagram of a multi-person crowdfunding system for deposit certificates in an embodiment of the present application.

[0076] Figure 2 It is a schematic diagram of the crowdfunding order confirmation process in an embodiment of the present application.

[0077] Figure 3 It is a flowchart of a multi-person crowdfunding method for deposit certificates executed by a server in an embodiment of the present application.

[0078] Figure 4 It is a flowchart of a multi-person crowdfunding method for deposit certificates executed by a crowdfunding initiating node in an embodiment of the present application.

[0079] Figure 5It is a flowchart of a multi-person crowdfunding method for deposit receipts executed by a crowdfunding receiving terminal in an embodiment of the present application.

[0080] Figure 6 It is a schematic diagram of the structure of the server in the embodiment of the present application.

[0081] Figure 7 It is a structural diagram of the crowdfunding initiating node in the embodiment of the present application.

[0082] Figure 8 It is a structural diagram of the crowdfunding receiving terminal in an embodiment of the present application.

[0083] Fig. 9 It is a schematic diagram of the structure of an electronic device in an embodiment of the present application. DETAILED DESCRIPTION

[0084] In order to make the purpose, technical solution and advantages of the embodiments of the present application clearer, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0085] It should be noted that the multi-person crowdfunding method and system for deposit certificates disclosed in the present application can be used in the financial field, and can also be used in any field other than the financial field. The application field of the multi-person crowdfunding method and system for deposit certificates disclosed in the present application is not limited.

[0086] Considering that banks issue fixed deposit products with floating interest rates according to the purchase amount, most customers may not be able to reach the minimum deposit amount of tiered pricing or are unwilling to invest the corresponding amount in fixed deposits (for example, if the purchase amount reaches 10,000, the interest rate of a one-year fixed deposit will increase by 40% from 1.75%), so they can only choose the second best option and choose a deposit product with a lower interest rate. Compared with other Internet financial products, the advantage of bank fixed deposits is that they are principal-protected and risk-free; compared with ordinary bank fixed deposits, a fixed deposit that supports crowdfunding by multiple people has more advantages in interest rates and requires less funds; compared with the change wallets of third-party institutions such as WeChat and Alipay, the interest income is also more advantageous. However, traditional bank fixed deposits do not support crowdfunding by multiple people through non-bank channels. If the advantages of both can be combined, it can not only attract more deposits for banks, but also generate greater deposit income for users.

[0087] Based on the above content, the present application also provides a multi-person crowdfunding method and system for implementing a certificate of deposit provided in one or more embodiments of the present application, first, the crowdfunding initiating node sends a certificate of deposit crowdfunding request to the server; then the server generates a crowdfunding order link according to the certificate of deposit crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user; then the crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server; finally, the server performs the certificate of deposit deposit operation based on the crowdfunding configuration information. It can be seen that the present application can crowdfund certificates of deposit to allow multiple people to raise funds to meet the account opening amount requirements of high-yield interest rates, meet the minimum deposit amount of product tiered pricing, enjoy higher returns, and provide high-yield certificate of deposit conditions for low-deposit customers.

[0088] This application first provides a deposit receipt multi-person crowdfunding system that implements a deposit receipt multi-person crowdfunding method, such as Figure 1 As shown, the multi-person crowdfunding system includes a crowdfunding initiating node 1, a server 2 and a crowdfunding receiving terminal (not shown in the figure). The server can be communicated with each terminal device. There can be multiple terminal devices, and the terminal device can access the server through a bank app.

[0089] Among them, the server can receive a deposit certificate crowdfunding request from a crowdfunding initiating node from a terminal device; then generate a crowdfunding order link based on the deposit certificate crowdfunding request, and the crowdfunding order link includes crowdfunding configuration information; finally, send the crowdfunding order link to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user.

[0090] It is understandable that the terminal devices may include smart phones, tablet electronic devices, portable computers, desktop computers, personal digital assistants (PDAs), smart wearable devices, etc. Among them, the smart wearable devices may include smart glasses, smart watches, smart bracelets, etc.

[0091] Each of the above-mentioned terminal devices has a communication module (ie, a communication unit) that can communicate with a remote server to achieve data transmission with the server. For example, the communication unit can send a deposit certificate crowdfunding request to the server so that the server can store and process the deposit certificate crowdfunding request.

[0092] The server and the terminal devices may communicate with each other using any suitable network protocol, including network protocols that have not yet been developed on the date of filing this application. The network protocols may include, for example, TCP / IP, UDP / IP, HTTP, HTTPS, etc. Of course, the network protocols may also include, for example, RPC (Remote Procedure Call Protocol) and REST (Representational State Transfer) protocols used on top of the above protocols.

[0093] The present application provides a multi-person crowdfunding method for deposit certificates, an electronic device, a computer-readable storage medium, a server, and a terminal. The server first receives a crowdfunding request for a deposit certificate from a crowdfunding initiating node; then generates a crowdfunding order link based on the deposit certificate crowdfunding request, wherein the crowdfunding order link includes crowdfunding configuration information; and finally, sends the crowdfunding order link to the crowdfunding initiating node and / or a crowdfunding receiving terminal corresponding to a set user.

[0094] The details are described through the following multiple embodiments and application examples.

[0095] In order to solve the problem that although the current large-denomination certificates of deposit have high returns, the threshold is also too high, and low-deposit customers cannot enjoy this return, this application provides an embodiment of a multi-person crowdfunding method for certificates of deposit, see Figure 3 The multi-person crowdfunding method of the deposit certificate is executed by the server, and specifically includes the following contents:

[0096] Step 101: Receive a deposit certificate crowdfunding request from a crowdfunding initiating node.

[0097] It can be understood that the deposit certificate crowdfunding request can be understood as the request information for crowdfunding a deposit certificate product. Specifically, the deposit certificate crowdfunding request can include product information of a deposit certificate product.

[0098] Furthermore, for an embodiment in which the user can freely set crowdfunding parameters, the request information may include freely set crowdfunding parameters, such as the number of people the user wants to participate in the crowdfunding, the limit, etc.

[0099] In the present application, the crowdfunding initiating node is the node that initiates crowdfunding, which can be a terminal or a server. The present application is not limited to this. In the present application, if the crowdfunding initiating node is a terminal, the crowdfunding is initiated by the client itself. If the crowdfunding initiating node is a server, the crowdfunding is generally initiated by a third party (such as a financial platform), and the server corresponding to the third party is the crowdfunding initiating node.

[0100] Step 102: Generate a crowdfunding order link according to the deposit certificate crowdfunding request, and the crowdfunding order link includes crowdfunding configuration information.

[0101] In this embodiment, crowdfunding configuration information can be generated based on the certificate of deposit crowdfunding request, and then the crowdfunding configuration information is placed on an operation page, and the operation page is sent to the receiving terminal in the form of an order link. When the receiving terminal clicks the link, the crowdfunding product is displayed. If you need to participate in the crowdfunding, just click the corresponding button.

[0102] Step 103: Send the crowdfunding order link to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user.

[0103] Specifically, in some embodiments, the crowdfunding order link can be sent to the crowdfunding initiation node, which forwards the link to the crowdfunding receiving terminal. In this embodiment, the crowdfunding initiation node has the function of forwarding the link, and the crowdfunding initiation node can freely select the crowdfunding receiving terminal. For example, the crowdfunding initiation node publishes the link to the social circle, and then the receiving terminal can be determined through social relationships.

[0104] In other embodiments, the crowdfunding order request can be sent directly to the crowdfunding receiving terminal. In this embodiment, the crowdfunding receiving terminal range can be limited by the crowdfunding initiating node, or the crowdfunding receiving terminal range can be specified by the server. The present application is not limited to this.

[0105] It can be seen from the above technical scheme that the present application provides a multi-person crowdfunding method for certificates of deposit, firstly, the crowdfunding initiating node sends a certificate of deposit crowdfunding request to the server; then the server generates a crowdfunding order link according to the certificate of deposit crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user; then the crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server; finally, the server performs the certificate of deposit deposit operation based on the crowdfunding configuration information. It can be seen that the present application can crowdfund certificates of deposit, and multiple people can raise funds to reach the account opening amount requirements of high-yield interest rates, meet the minimum deposit amount of product tiered pricing, enjoy higher returns, and provide high-yield certificate of deposit conditions for low-deposit customers.

[0106] In order to verify the legitimacy of the deposit certificate crowdfunding request and determine the validity of the third-party server to avoid illegal deposit certificate crowdfunding requests, in one or more embodiments of the present application, the crowdfunding initiating node is a third-party server, and the multi-person crowdfunding method further includes:

[0107] Obtaining the identity of the third-party server;

[0108] Based on the identity identifier and the corresponding authority, verify whether the deposit certificate crowdfunding request is legal;

[0109] According to the crowdfunding parameters in the certificate of deposit crowdfunding request, verify whether the certificate of deposit crowdfunding request meets the access conditions, wherein the crowdfunding parameters include: account opening amount, channel and product code.

[0110] In this embodiment, it can be implemented by the following pseudo code:

[0111] Phase 1: Accept access requests from third-party applications, and preliminarily determine whether the partner is valid based on the partner ID (pre-assign an ID to each partner); verify whether the uploaded data is legal:

[0112]

[0113]

[0114] The second stage: Based on the uploaded account opening amount, channel, product code and other factors, the access condition parameters are read from the database (such as the account opening amount must be more than 50 yuan) to verify whether the access conditions are met.

[0115]

[0116] In order to ensure the account security of the crowdfunding initiating terminal, the multi-person crowdfunding method further includes:

[0117] Receive crowdfunding confirmation information sent by a terminal corresponding to a set user; the crowdfunding confirmation information includes an identity identifier of the crowdfunding receiving terminal;

[0118] Account information retrieved based on the identity identifier;

[0119] Verify whether the account status is normal and determine whether the deduction amount type is valid based on the account information.

[0120] For example, this can be achieved through the following pseudo code:

[0121] Phase 1: Verify whether the customer account status is normal

[0122]

[0123]

[0124] Stage 2: Determine whether the deduction amount type is valid

[0125]

[0126] Furthermore, in order to prevent users from using links through abnormal channels (e.g., channels outside the social circle, such as offline printing links, online promotion links), a series of settings can be made so that users outside the social circle cannot participate in the crowdfunding of the crowdfunding initiation terminal, thereby improving the security of the deposit certificate. In this embodiment, the crowdfunding initiation node is the initiation terminal, and the multi-person crowdfunding method further includes:

[0127] Generating a degree of interpersonal relationship correlation between the crowdfunding receiving terminal and the initiating terminal according to the identity identifier of the crowdfunding receiving terminal and the identity information of the initiating terminal, as well as the account information of the two;

[0128] If the interpersonal relationship relevance is lower than a set threshold, the crowdfunding receiving terminal is rejected from participating in crowdfunding.

[0129] This embodiment defines the social circle by the relevance of interpersonal relationships, and then can calculate the similarity of interpersonal relationships through the customer information within the bank. For example, in some embodiments, restrictions can be imposed based on account payment records, account reserved emergency contact information, and link broadcast permissions.

[0130] In a specific embodiment, for example, a network lock can be set in the link, and the network lock is only opened in response to specific URL information, that is, "encrypted sharing". For example, the network lock is limited to the circle of friends of a certain chat app to trigger the opening, and then the link is only limited to sharing through the circle of friends.

[0131] In order to prevent order tampering, such as damage to customer and bank funds due to network attacks or malicious tampering, in one or more embodiments of the present application, by making certain innovations in the composition of the order number, the technical effect of preventing tampering can be achieved. Specifically, the crowdfunding order link includes multiple ones, each of which is sent to a crowdfunding receiving terminal of one of the set users;

[0132] The crowdfunding order link further includes an order number, which includes a sponsor identity, a product identity, a timestamp, a random number, and a check digit;

[0133] The method further comprises:

[0134] Generate a check digit based on the initiator identity, product identity, timestamp, and random number;

[0135] The crowdfunding order is verified according to the check digit.

[0136] In this embodiment, order number conflicts and the problem of identifying valid orders are solved by generating order numbers with check digits. This can be implemented by the following pseudo code:

[0137] ①Order number composition rules, total:

[0138] Initiator ID number (ASCII code) + 12-digit regular product ID + 4-digit date + 6-digit time + 5-digit random number + 2-digit check digit

[0139] ② Order number check digit generation factors (registered in the order table):

[0140] Initiator ID, such as WeChat ID

[0141] Trading Hours

[0142] Regular Product ID

[0143] ③Check digit verification algorithm:

[0144]

[0145]

[0146] In addition, it should be noted that in one or more embodiments of the present application, the deposit certificate is a deposit certificate contract of the bank system. In the specific implementation, the server is mainly responsible for the full life cycle management of the bank's internal regular and crowdfunding orders, mainly including the following scenarios:

[0147] ①Deduct customer funds, open time deposits, and establish a relationship between customers and time deposits;

[0148] ②Regular maturity processing

[0149] ③Order creation, sending, confirmation, and invalidation processing

[0150] In specific implementation, debit accounting entries and periodic receipt accounting entries can be made through the server.

[0151] For example, as shown below:

[0152] Debit module accounting entries

[0153] Debit: Amount of opening a time deposit certificate for a third-party institution's current account

[0154] Credit: Amount of personal time deposit account opening

[0155] Periodic due accounting entries

[0156] Debit: Total principal and interest of bank internal account

[0157] Loan: Total principal and interest of third-party institution interbank accounts

[0158] In some embodiments, the bank's server can periodically issue time deposit products. After the term expires, the bank deducts the corresponding amount from the corresponding internal account according to the calculated principal and interest, and deposits it into the current account of a third-party institution. The bank and its partners support multiple consolidated entries, and settlement can be performed at the end of the day.

[0159] The present invention is described in detail below with reference to a specific scenario.

[0160] Step 110: The bank configures the parameters of the term deposit product and publishes the term product through the product management platform, including the following parameters:

[0161] ① Transaction channels: third-party channels (including WeChat, Alipay, Rong E-Link, etc.) and internal online channels

[0162] ②Deposit certificate benchmark interest rate: refer to the central bank's benchmark interest rate, such as 1.75% for one year

[0163] ③Floating interest rate: floating up according to actual situation. If the account opening amount exceeds 10,000, it will be increased by 30%

[0164] ④ Number of people supporting crowdfunding: N (greater than 1)

[0165] ⑤Number of days for overdue confirmation: M days

[0166] Step 111: The user selects a fixed-term product that supports multi-person crowdfunding through a third-party social APP and confirms the relevant maturity income and the number of people who need crowdfunding.

[0167] Step 112: The user selects friends who will participate in the crowdfunding from the friend list of the third-party social APP, and configures the subscription quota of each friend, supporting equal proportion and differential proportion.

[0168] Difference matching ratio: ∑R=r 1+ r 2 +...+r n =100%

[0169] Equal proportion: ∑R=r*n=100%

[0170] Step 113: The system automatically generates a crowdfunding order with status "pending confirmation" and automatically sends a link (sub-order) to crowdfunding friends, such as Figure 2 shown.

[0171] Step 114: After your friend logs in to the third-party social app, click the order link, confirm the relevant information, and click [Confirm]. If the order is not received within the time limit (e.g. 7 days), the order will automatically become invalid.

[0172] Step 115: The system automatically polls whether the status of all sub-orders is [Confirmed]. If all friends have confirmed, the order status is updated to [Completed], and the life cycle of the order ends.

[0173] Step 116: Calculate the interest that each friend can obtain after the term deposit expires, configure the benchmark interest rate of the term deposit through parameters (such as the one-year reference central bank benchmark of 1.75%), and configure the floating ratio of a specific channel.

[0174]

[0175] Interest rate = [central bank benchmark interest rate I0001] * (1 + [floating ratio])

[0176] The interest due Interest = account opening amount AMOUNT * term TERM / 360 * interest rate RATE / 100. The interest each friend can get Ii = each friend's proportion Ri * interest due Interest.

[0177] Step 117: Time deposit generation module: Based on the amount + term entered by the customer, the system automatically creates a deposit certificate (the main customer information is the order initiator), and saves the order information (including purchase amount, term, interest due, customer information) to the database for subsequent display to the customer.

[0178] Step 118: The client and friends view my time deposit list, and the time deposit is displayed as [Grouped]. The interface displays the total interest of the time deposit, the proportion of each member, and the increase in interest relative to when there was no increase.

[0179] Compared with existing certificates of deposit, this crowdfunding certificate of deposit can provide customers with a low-cost, high-yield deposit solution. Existing certificates of deposit can only be held by a single customer, and due to insufficient funds, customers can only choose low-interest fixed-term products. Crowdfunding certificates of deposit can raise funds from multiple people to meet the account opening amount requirements for high-yield interest rates, meet the minimum deposit amount for product tiered pricing, and enjoy higher returns.

[0180] The order number verification algorithm is used to increase the validity of the order, effectively preventing malicious tampering of the order, thereby ensuring the financial security of customers and banks.

[0181] It can be seen from the above technical scheme that the present application provides a multi-person crowdfunding method for certificates of deposit, firstly, the crowdfunding initiating node sends a certificate of deposit crowdfunding request to the server; then the server generates a crowdfunding order link according to the certificate of deposit crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user; then the crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server; finally, the server performs the certificate of deposit deposit operation based on the crowdfunding configuration information. It can be seen that the present application can crowdfund certificates of deposit, and multiple people can raise funds to reach the account opening amount requirements of high-yield interest rates, meet the minimum deposit amount of product tiered pricing, enjoy higher returns, and provide high-yield certificate of deposit conditions for low-deposit customers.

[0182] In order to solve the problem that although the current large-denomination certificates of deposit have high returns, the threshold is also too high, and low-deposit customers cannot enjoy this return, in one or more embodiments of the present application, the present application provides a multi-person crowdfunding method for certificates of deposit, which is executed by the crowdfunding initiating node, such as Figure 4 As shown, including:

[0183] S201: Obtain product information of a deposit certificate product that supports multi-person crowdfunding;

[0184] S202: Crowdfunding configuration information is set according to the product information, so that the server generates a crowdfunding order link according to the crowdfunding configuration information, and sends the crowdfunding order link to a terminal corresponding to a set user.

[0185] It can be seen from the above technical scheme that the present application provides a multi-person crowdfunding method for certificates of deposit, firstly, the crowdfunding initiating node sends a certificate of deposit crowdfunding request to the server; then the server generates a crowdfunding order link according to the certificate of deposit crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user; then the crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server; finally, the server performs the certificate of deposit deposit operation based on the crowdfunding configuration information. It can be seen that the present application can crowdfund certificates of deposit, and multiple people can raise funds to reach the account opening amount requirements of high-yield interest rates, meet the minimum deposit amount of product tiered pricing, enjoy higher returns, and provide high-yield certificate of deposit conditions for low-deposit customers.

[0186] In order to solve the problem that although the current large-denomination certificates of deposit have high returns, the threshold is also too high, and low-deposit customers cannot enjoy this return, in one or more embodiments of the present application, the present application provides a multi-person crowdfunding method for certificates of deposit, which is executed by a crowdfunding receiving terminal, such as Figure 5 As shown, including:

[0187] S301: receiving a crowdfunding order link sent by a server; the crowdfunding order link includes crowdfunding configuration information;

[0188] S303: Generate crowdfunding confirmation information according to the crowdfunding order link, where the crowdfunding confirmation information includes an identity identifier of a crowdfunding receiving terminal;

[0189] S303: Send the crowdfunding confirmation information to the server, so that the server performs the certificate of deposit deposit operation based on the crowdfunding configuration information.

[0190] It can be seen from the above technical scheme that the present application provides a multi-person crowdfunding method for certificates of deposit, firstly, the crowdfunding initiating node sends a certificate of deposit crowdfunding request to the server; then the server generates a crowdfunding order link according to the certificate of deposit crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user; then the crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server; finally, the server performs the certificate of deposit deposit operation based on the crowdfunding configuration information. It can be seen that the present application can crowdfund certificates of deposit, and multiple people can raise funds to reach the account opening amount requirements of high-yield interest rates, meet the minimum deposit amount of product tiered pricing, enjoy higher returns, and provide high-yield certificate of deposit conditions for low-deposit customers.

[0191] In order to solve the problem that although the current large-denomination certificates of deposit have high returns, the threshold is also too high, and low-deposit customers cannot enjoy this return, in one or more embodiments of the present application, the present application provides a multi-person crowdfunding method for certificates of deposit, including:

[0192] The crowdfunding initiating node sends a deposit certificate crowdfunding request to the server;

[0193] The server generates a crowdfunding order link according to the deposit certificate crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiating node and / or a crowdfunding receiving terminal corresponding to the set user;

[0194] The crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity identifier of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server;

[0195] The server performs a deposit certificate deposit operation based on the crowdfunding configuration information.

[0196] It can be seen from the above technical scheme that the present application provides a multi-person crowdfunding method for certificates of deposit, firstly, the crowdfunding initiating node sends a certificate of deposit crowdfunding request to the server; then the server generates a crowdfunding order link according to the certificate of deposit crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user; then the crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server; finally, the server performs the certificate of deposit deposit operation based on the crowdfunding configuration information. It can be seen that the present application can crowdfund certificates of deposit, and multiple people can raise funds to reach the account opening amount requirements of high-yield interest rates, meet the minimum deposit amount of product tiered pricing, enjoy higher returns, and provide high-yield certificate of deposit conditions for low-deposit customers.

[0197] In order to solve the problem that although the current large-denomination certificates of deposit have high returns, the threshold is also too high, and low-deposit customers cannot enjoy this return, in one or more embodiments of the present application, the present application provides a server, such as Figure 6 As shown, including:

[0198] The deposit certificate crowdfunding request receiving module 101 receives the deposit certificate crowdfunding request from the crowdfunding initiating node;

[0199] It can be understood that the deposit certificate crowdfunding request can be understood as the request information for crowdfunding a deposit certificate product. Specifically, the deposit certificate crowdfunding request can include product information of a deposit certificate product.

[0200] Furthermore, for an embodiment in which the user can freely set crowdfunding parameters, the request information may include freely set crowdfunding parameters, such as the number of people the user wants to participate in the crowdfunding, the limit, etc.

[0201] In the present application, the crowdfunding initiating node is the node that initiates crowdfunding, which can be a terminal or a server. The present application is not limited to this. In the present application, if the crowdfunding initiating node is a terminal, the crowdfunding is initiated by the client itself. If the crowdfunding initiating node is a server, the crowdfunding is generally initiated by a third party (such as a financial platform), and the server corresponding to the third party is the crowdfunding initiating node.

[0202] A link generation module 102 generates a crowdfunding order link according to the deposit certificate crowdfunding request, wherein the crowdfunding order link includes crowdfunding configuration information;

[0203] In this embodiment, crowdfunding configuration information can be generated based on the certificate of deposit crowdfunding request, and then the crowdfunding configuration information is placed on an operation page, and the operation page is sent to the receiving terminal in the form of an order link. When the receiving terminal clicks the link, the crowdfunding product is displayed. If you need to participate in the crowdfunding, just click the corresponding button.

[0204] The link sending module 103 sends the crowdfunding order link to the crowdfunding initiation node and / or the crowdfunding receiving terminal corresponding to the set user. Specifically, in some embodiments, the crowdfunding order link can be sent to the crowdfunding initiation node, and the crowdfunding initiation node forwards the link to the crowdfunding receiving terminal. In this embodiment, the crowdfunding initiation node has the function of forwarding the link, and the crowdfunding initiation node can freely select the crowdfunding receiving terminal. For example, the crowdfunding initiation node publishes the link to the social circle, and then the receiving terminal can be determined through social relationships.

[0205] In other embodiments, the crowdfunding order request can be sent directly to the crowdfunding receiving terminal. In this embodiment, the crowdfunding receiving terminal range can be limited by the crowdfunding initiating node, or the crowdfunding receiving terminal range can be specified by the server. The present application is not limited to this.

[0206] It can be seen from the above technical scheme that the present application provides a server, and when the server specifically interacts, first the crowdfunding initiation node sends a certificate of deposit crowdfunding request to the server; then the server generates a crowdfunding order link according to the certificate of deposit crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiation node and / or the crowdfunding receiving terminal corresponding to the set user; then the crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server; finally, the server performs the certificate of deposit deposit operation based on the crowdfunding configuration information. It can be seen that the present application can crowdfund certificates of deposit, and multiple people can raise funds to reach the account opening amount requirements of high-yield interest rates, meet the minimum deposit amount of product tiered pricing, enjoy higher returns, and provide high-yield certificate of deposit conditions for low-deposit customers.

[0207] In order to verify the legitimacy of the deposit certificate crowdfunding request, determine the validity of the third-party server, and avoid illegal deposit certificate crowdfunding requests, in one or more embodiments of the present application, the crowdfunding initiation node is a third-party server, and the server further includes:

[0208] An identity acquisition module is used to acquire the identity of the third-party server;

[0209] A legality verification module, based on the identity identifier and the corresponding authority, verifies whether the deposit certificate crowdfunding request is legal;

[0210] The access verification module verifies whether the certificate of deposit crowdfunding request meets the access conditions according to the crowdfunding parameters in the certificate of deposit crowdfunding request, wherein the crowdfunding parameters include: account opening amount, channel and product code.

[0211] In this embodiment, it can be implemented by the following pseudo code:

[0212] Phase 1: Accept access requests from third-party applications, and preliminarily determine whether the partner is valid based on the partner ID (pre-assign an ID to each partner); verify whether the uploaded data is legal:

[0213]

[0214]

[0215] The second stage: Based on the uploaded account opening amount, channel, product code and other factors, the access condition parameters are read from the database (such as the account opening amount must be more than 50 yuan) to verify whether the access conditions are met.

[0216]

[0217] In order to ensure the account security of the crowdfunding initiating terminal, the server also includes:

[0218] A crowdfunding confirmation information receiving module receives crowdfunding confirmation information sent by a terminal corresponding to a set user; the crowdfunding confirmation information includes an identity identifier of the crowdfunding receiving terminal;

[0219] An account information retrieval module, which retrieves the account information according to the identity identifier;

[0220] The validity verification module verifies whether the account status is normal and determines whether the deduction amount type is valid based on the account information.

[0221] For example, this can be achieved through the following pseudo code:

[0222] Phase 1: Verify whether the customer account status is normal

[0223]

[0224]

[0225] Stage 2: Determine whether the deduction amount type is valid

[0226]

[0227] Furthermore, in order to prevent users from using links through abnormal channels (e.g., channels outside the social circle, such as offline printing links, online promotion links), a series of settings can be made so that users outside the social circle cannot participate in the crowdfunding of the crowdfunding initiation terminal, thereby improving the security of the deposit certificate. In this embodiment, the crowdfunding initiation node is the initiation terminal, and the server further includes:

[0228] A relevance determination module, which generates a relevance of interpersonal relationships between the crowdfunding receiving terminal and the initiating terminal according to the identity identifier and the account information of the two terminals;

[0229] The relevance judgment module rejects the crowdfunding receiving terminal from participating in crowdfunding if the interpersonal relationship relevance is lower than a set threshold.

[0230] This embodiment defines the social circle by the relevance of interpersonal relationships, and then can calculate the similarity of interpersonal relationships through the customer information within the bank. For example, in some embodiments, restrictions can be imposed based on account payment records, account reserved emergency contact information, and link broadcast permissions.

[0231] In a specific embodiment, for example, a network lock can be set in the link, and the network lock is only opened in response to specific URL information, that is, "encrypted sharing". For example, the network lock is limited to the circle of friends of a certain chat app to trigger the opening, and then the link is only limited to sharing through the circle of friends.

[0232] In order to prevent order tampering, such as damage to customer and bank funds due to network attacks or malicious tampering, in one or more embodiments of the present application, by making certain innovations in the composition of the order number, the technical effect of preventing tampering can be achieved. Specifically, the crowdfunding order link includes multiple ones, each of which is sent to a crowdfunding receiving terminal of one of the set users;

[0233] The crowdfunding order link further includes an order number, which includes a sponsor identity, a product identity, a timestamp, a random number, and a check digit;

[0234] The server also includes:

[0235] A check digit generation module generates a check digit according to the initiator identity, product identity, timestamp, and random number;

[0236] An order verification module verifies the crowdfunding order according to the verification digit.

[0237] In this embodiment, order number conflicts and the problem of identifying valid orders are solved by generating order numbers with check digits. This can be implemented by the following pseudo code:

[0238] ①Order number composition rules, total:

[0239] Initiator ID number (ASCII code) + 12-digit regular product ID + 4-digit date + 6-digit time + 5-digit random number + 2-digit check digit

[0240] ② Order number check digit generation factors (registered in the order table):

[0241] Initiator ID, such as WeChat ID

[0242] Trading Hours

[0243] Regular Product ID

[0244] ③Check digit verification algorithm:

[0245]

[0246]

[0247] In addition, it should be noted that in one or more embodiments of the present application, the deposit certificate is a deposit certificate contract of the bank system. In the specific implementation, the server is mainly responsible for the full life cycle management of the bank's internal regular and crowdfunding orders, mainly including the following scenarios:

[0248] ④Deduct customer funds, open time deposits, and establish a relationship between customers and time deposits;

[0249] ⑤Regular maturity processing

[0250] ⑥Order creation, sending, confirmation, and invalidation processing

[0251] In specific implementation, debit accounting entries and periodic receipt accounting entries can be made through the server.

[0252] For example, as shown below:

[0253] Debit module accounting entries

[0254] Debit: Amount of opening a time deposit certificate for a third-party institution's current account

[0255] Credit: Amount of personal time deposit account opening

[0256] Periodic due accounting entries

[0257] Debit: Total principal and interest of bank internal account

[0258] Loan: Total principal and interest of third-party institution interbank accounts

[0259] In some embodiments, the bank's server can periodically issue time deposit products. After the term expires, the bank deducts the corresponding amount from the corresponding internal account according to the calculated principal and interest, and deposits it into the current account of a third-party institution. The bank and its partners support multiple consolidated entries, and settlement can be performed at the end of the day.

[0260] It can be seen from the above technical solution that the server provided by this application first has a crowdfunding initiation node that sends a certificate of deposit crowdfunding request to the server; then the server generates a crowdfunding order link according to the certificate of deposit crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiation node and / or the crowdfunding receiving terminal corresponding to the set user; then the crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server; finally, the server performs the certificate of deposit deposit operation based on the crowdfunding configuration information. It can be seen that this application can crowdfund certificates of deposit, and multiple people can raise funds to reach the account opening amount requirements of high-yield interest rates, meet the minimum deposit amount of product tiered pricing, enjoy higher returns, and provide high-yield certificate of deposit conditions for low-deposit customers.

[0261] In order to solve the problem that although the current large-denomination certificates of deposit have high returns, the threshold is also too high, and low-deposit customers cannot enjoy this return, in one or more embodiments of the present application, the present application provides a crowdfunding initiation node, such as Figure 7 As shown, including:

[0262] Product information acquisition module 201, acquiring product information of a deposit certificate product supporting multi-person crowdfunding;

[0263] The crowdfunding configuration information setting module 202 sets the crowdfunding configuration information according to the product information, so that the server generates a crowdfunding order link according to the crowdfunding configuration information, and sends the crowdfunding order link to the terminal corresponding to the set user.

[0264] It can be seen from the above technical scheme that the present application provides a crowdfunding initiation node, which, when interacting, first sends a certificate of deposit crowdfunding request to the server; then the server generates a crowdfunding order link according to the certificate of deposit crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiation node and / or the crowdfunding receiving terminal corresponding to the set user; then the crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server; finally, the server performs the certificate of deposit deposit operation based on the crowdfunding configuration information. It can be seen that the present application can crowdfund certificates of deposit, which can allow multiple people to raise funds to reach the account opening amount requirements of high-yield interest rates, meet the minimum deposit amount of product tiered pricing, enjoy higher returns, and provide high-yield certificate of deposit conditions for low-deposit customers.

[0265] In order to solve the problem that although the current large-denomination certificates of deposit have high returns, the threshold is also too high, and low-deposit customers cannot enjoy this return, in one or more embodiments of the present application, the present application provides a crowdfunding receiving terminal, such as Figure 8 As shown, including:

[0266] The crowdfunding order link receiving module 301 receives a crowdfunding order link sent by a server; the crowdfunding order link includes crowdfunding configuration information;

[0267] A crowdfunding confirmation information generating module 302 generates crowdfunding confirmation information according to the crowdfunding order link, wherein the crowdfunding confirmation information includes an identity identifier of a crowdfunding receiving terminal;

[0268] The crowdfunding confirmation information sending module 303 sends the crowdfunding confirmation information to the server, so that the server performs the deposit certificate deposit operation based on the crowdfunding configuration information.

[0269] It can be seen from the above technical scheme that the present application provides a crowdfunding receiving terminal for a certificate of deposit. When the crowdfunding receiving terminal interacts, first, the crowdfunding initiating node sends a crowdfunding request for a certificate of deposit to the server; then the server generates a crowdfunding order link according to the crowdfunding request for the certificate of deposit, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user; then the crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server; finally, the server performs the certificate of deposit deposit operation based on the crowdfunding configuration information. It can be seen that the present application can crowdfund certificates of deposit, and multiple people can raise funds to reach the account opening amount requirements of high-yield interest rates, meet the minimum deposit amount of product tiered pricing, enjoy higher returns, and provide high-yield certificate of deposit conditions for low-deposit customers.

[0270] Based on the above, it can be concluded that in order to solve the problem that although the current large-denomination certificates of deposit have high returns, the threshold is also too high, and low-deposit customers cannot enjoy this return, in one or more embodiments of the present application, the present application provides a multi-person crowdfunding system for certificates of deposit, including: a crowdfunding initiating node, a server, and a crowdfunding receiving terminal; wherein,

[0271] The crowdfunding initiating node sends a deposit certificate crowdfunding request to the server;

[0272] The server generates a crowdfunding order link according to the deposit certificate crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiating node and / or a crowdfunding receiving terminal corresponding to the set user;

[0273] The crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity identifier of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server;

[0274] The server performs a deposit certificate deposit operation based on the crowdfunding configuration information.

[0275] It can be seen from the above technical scheme that the multi-person crowdfunding system for a certificate of deposit provided by the present application firstly sends a certificate of deposit crowdfunding request to the server; then the server generates a crowdfunding order link according to the certificate of deposit crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiation node and / or the crowdfunding receiving terminal corresponding to the set user; then the crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server; finally, the server performs the certificate of deposit deposit operation based on the crowdfunding configuration information. It can be seen that the present application can crowdfund certificates of deposit and multiple people can raise funds to reach the account opening amount requirements of high-yield interest rates, meet the minimum deposit amount of product tiered pricing, enjoy higher returns, and provide high-yield certificate of deposit conditions for low-deposit customers.

[0276] From the hardware level, in order to solve the problem that although the current large-denomination certificates of deposit have high returns, the threshold is also too high, and low-deposit customers cannot enjoy this return, the present application provides an embodiment of an electronic device for implementing all or part of the content of the multi-person crowdfunding method of the certificate of deposit, and the electronic device specifically includes the following content:

[0277] Fig. 9 Schematic block diagram of the device structure of the electronic device 9600 according to an embodiment of the present application. Fig. 9As 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 Fig. 9 is exemplary; other types of structures may also be used to supplement or replace this structure to implement telecommunication functions or other functions.

[0278] In one embodiment, the multi-person crowdfunding function of the deposit certificate can be integrated into the central processing unit. The central processing unit can be configured to perform the following control:

[0279] Step 101: Receive a deposit certificate crowdfunding request from a crowdfunding initiating node.

[0280] It can be understood that the deposit certificate crowdfunding request can be understood as the request information for crowdfunding a deposit certificate product. Specifically, the deposit certificate crowdfunding request can include product information of a deposit certificate product.

[0281] Furthermore, for an embodiment in which the user can freely set crowdfunding parameters, the request information may include freely set crowdfunding parameters, such as the number of people the user wants to participate in the crowdfunding, the limit, etc.

[0282] In the present application, the crowdfunding initiating node is the node that initiates crowdfunding, which can be a terminal or a server. The present application is not limited to this. In the present application, if the crowdfunding initiating node is a terminal, the crowdfunding is initiated by the client itself. If the crowdfunding initiating node is a server, the crowdfunding is generally initiated by a third party (such as a financial platform), and the server corresponding to the third party is the crowdfunding initiating node.

[0283] Step 102: Generate a crowdfunding order link according to the deposit certificate crowdfunding request, and the crowdfunding order link includes crowdfunding configuration information.

[0284] In this embodiment, crowdfunding configuration information can be generated based on the certificate of deposit crowdfunding request, and then the crowdfunding configuration information is placed on an operation page, and the operation page is sent to the receiving terminal in the form of an order link. When the receiving terminal clicks the link, the crowdfunding product is displayed. If you need to participate in the crowdfunding, just click the corresponding button.

[0285] Step 103: Send the crowdfunding order link to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user.

[0286] Specifically, in some embodiments, the crowdfunding order link can be sent to the crowdfunding initiation node, which forwards the link to the crowdfunding receiving terminal. In this embodiment, the crowdfunding initiation node has the function of forwarding the link, and the crowdfunding initiation node can freely select the crowdfunding receiving terminal. For example, the crowdfunding initiation node publishes the link to the social circle, and then the receiving terminal can be determined through social relationships.

[0287] In other embodiments, the crowdfunding order request can be sent directly to the crowdfunding receiving terminal. In this embodiment, the crowdfunding receiving terminal range can be limited by the crowdfunding initiating node, or the crowdfunding receiving terminal range can be specified by the server. The present application is not limited to this.

[0288] It can be seen from the above technical scheme that the electronic device provided by the present application firstly sends a certificate of deposit crowdfunding request from a crowdfunding initiating node to a server; then the server generates a crowdfunding order link according to the certificate of deposit crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user; then the crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server; finally, the server performs the certificate of deposit deposit operation based on the crowdfunding configuration information. It can be seen that the present application can crowdfund certificates of deposit, and multiple people can raise funds to reach the account opening amount requirements of high-yield interest rates, meet the minimum deposit amount of product tiered pricing, enjoy higher returns, and provide high-yield certificate of deposit conditions for low-deposit customers.

[0289] In another embodiment, the server may be configured separately from the central processor 9100. For example, the server may be a chip connected to the central processor 9100, and the multi-person crowdfunding function of the deposit certificate may be realized through the control of the central processor.

[0290] like Fig. 9 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 Fig. 9 In addition, the electronic device 9600 may also include Fig. 9 For components not shown, reference may be made to the prior art.

[0291] like Fig. 9 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.

[0292] 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.

[0293] 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.

[0294] 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.

[0295] 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.).

[0296] 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.

[0297] 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.

[0298] The embodiments of the present application also provide a computer-readable storage medium capable of implementing all the steps in the multi-person crowdfunding method for deposit receipts in the above embodiments. The computer-readable storage medium stores a computer program. When the computer program is executed by a processor, all the steps in the multi-person crowdfunding method for deposit receipts in the above embodiments are implemented. For example, when the processor executes the computer program, the following steps are implemented:

[0299] Step 101: Receive a deposit certificate crowdfunding request from a crowdfunding initiating node.

[0300] It can be understood that the deposit certificate crowdfunding request can be understood as the request information for crowdfunding a deposit certificate product. Specifically, the deposit certificate crowdfunding request can include product information of a deposit certificate product.

[0301] Furthermore, for an embodiment in which the user can freely set crowdfunding parameters, the request information may include freely set crowdfunding parameters, such as the number of people the user wants to participate in the crowdfunding, the limit, etc.

[0302] In the present application, the crowdfunding initiating node is the node that initiates crowdfunding, which can be a terminal or a server. The present application is not limited to this. In the present application, if the crowdfunding initiating node is a terminal, the crowdfunding is initiated by the client itself. If the crowdfunding initiating node is a server, the crowdfunding is generally initiated by a third party (such as a financial platform), and the server corresponding to the third party is the crowdfunding initiating node.

[0303] Step 102: Generate a crowdfunding order link according to the deposit certificate crowdfunding request, and the crowdfunding order link includes crowdfunding configuration information.

[0304] In this embodiment, crowdfunding configuration information can be generated based on the certificate of deposit crowdfunding request, and then the crowdfunding configuration information is placed on an operation page, and the operation page is sent to the receiving terminal in the form of an order link. When the receiving terminal clicks the link, the crowdfunding product is displayed. If you need to participate in the crowdfunding, just click the corresponding button.

[0305] Step 103: Send the crowdfunding order link to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user.

[0306] Specifically, in some embodiments, the crowdfunding order link can be sent to the crowdfunding initiation node, which forwards the link to the crowdfunding receiving terminal. In this embodiment, the crowdfunding initiation node has the function of forwarding the link, and the crowdfunding initiation node can freely select the crowdfunding receiving terminal. For example, the crowdfunding initiation node publishes the link to the social circle, and then the receiving terminal can be determined through social relationships.

[0307] In other embodiments, the crowdfunding order request can be sent directly to the crowdfunding receiving terminal. In this embodiment, the crowdfunding receiving terminal range can be limited by the crowdfunding initiating node, or the crowdfunding receiving terminal range can be specified by the server. The present application is not limited to this.

[0308] It can be seen from the above technical scheme that the computer storage medium provided by the present application firstly sends a certificate of deposit crowdfunding request from a crowdfunding initiating node to a server; then the server generates a crowdfunding order link according to the certificate of deposit crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user; then the crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server; finally, the server performs the certificate of deposit deposit operation based on the crowdfunding configuration information. It can be seen that the present application can crowdfund certificates of deposit, and multiple people can raise funds to reach the account opening amount requirements of high-yield interest rates, meet the minimum deposit amount of product tiered pricing, enjoy higher returns, and provide high-yield certificate of deposit conditions for low-deposit customers.

[0309] It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as methods, devices, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment 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 code.

[0310] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (apparatus), 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 the 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 generate 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.

[0311] 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.

[0312] 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.

[0313] The present invention uses specific embodiments to illustrate the principles and implementation methods of the present invention. The description of the above embodiments is only used to help understand the method of the present invention and its core idea. At the same time, for those skilled in the art, according to the idea of ​​the present invention, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation on the present invention.

Claims

1. A multi-person crowdfunding method for deposit certificates, characterized in that: Executed by the server, including: Receive a certificate of deposit crowdfunding request from a crowdfunding initiating node, where the certificate of deposit crowdfunding request is request information for a certificate of deposit product to request crowdfunding, and the request information includes freely set crowdfunding parameters, where the crowdfunding parameters include the number of people and quota that the user hopes to participate in the crowdfunding; Generate a crowdfunding order link according to the deposit certificate crowdfunding request, and the crowdfunding order link includes crowdfunding configuration information, specifically including: Generate crowdfunding configuration information according to the deposit certificate crowdfunding request, place the crowdfunding configuration information on an operation page, and send the operation page to the receiving terminal in the form of an order link; Send the crowdfunding order link to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user. When the receiving terminal clicks the crowdfunding order link, the crowdfunding products are displayed. If you need to participate in the crowdfunding, click the corresponding button; or Send the crowdfunding order link to the crowdfunding initiating node, which can freely select a crowdfunding receiving terminal to forward the link; The crowdfunding initiating node is a third-party server, and the multi-person crowdfunding method further includes: Obtaining the identity of the third-party server; Based on the identity identifier and the corresponding authority, verify whether the deposit certificate crowdfunding request is legal; According to the crowdfunding parameters in the certificate of deposit crowdfunding request, verify whether the certificate of deposit crowdfunding request meets the access conditions, wherein the crowdfunding parameters include: account opening amount, channel and product code.

2. The method for crowdfunding of deposit certificates according to claim 1, characterized in that: The multi-person crowdfunding method further includes: Receive crowdfunding confirmation information sent by a terminal corresponding to a set user; the crowdfunding confirmation information includes an identity identifier of the crowdfunding receiving terminal; Account information retrieved based on the identity identifier; Verify whether the account status is normal and determine whether the deduction amount type is valid based on the account information.

3. The method for crowdfunding of deposit certificates according to claim 1, characterized in that: The crowdfunding initiating node is an initiating terminal, and the multi-person crowdfunding method further includes: Generating a degree of interpersonal relationship correlation between the crowdfunding receiving terminal and the initiating terminal according to the identity identifier of the crowdfunding receiving terminal and the identity information of the initiating terminal, as well as the account information of the two; If the interpersonal relationship relevance is lower than a set threshold, the crowdfunding receiving terminal is rejected from participating in crowdfunding.

4. The method for crowdfunding of deposit certificates according to claim 1, characterized in that: The crowdfunding order link includes multiple ones, each of which is sent to a crowdfunding receiving terminal of one of the set users; The crowdfunding order link further includes an order number, which includes a sponsor identity, a product identity, a timestamp, a random number, and a check digit; The method further comprises: Generate a check digit based on the initiator identity, product identity, timestamp, and random number; The crowdfunding order is verified according to the check digit.

5. A multi-person crowdfunding method for deposit certificates, characterized in that: Executed by the crowdfunding initiating node, which is a third-party server, including: Get product information of deposit certificate products that support multi-person crowdfunding; Crowdfunding configuration information is set according to the product information, so that the server generates a crowdfunding order link according to the crowdfunding configuration information, and sends the crowdfunding order link to the terminal corresponding to the freely selected set user, specifically including: generating crowdfunding configuration information according to the deposit certificate crowdfunding request, placing the crowdfunding configuration information on an operation page, and sending the operation page to the receiving terminal in the form of an order link, the deposit certificate crowdfunding request is request information for crowdfunding of a deposit certificate product, the request information includes freely set crowdfunding parameters, and the crowdfunding parameters include the number of people and limit that the user hopes to participate in the crowdfunding; the server obtains the identity of the third-party server; based on the identity and the corresponding authority, verifies whether the deposit certificate crowdfunding request is legal; verifies whether the deposit certificate crowdfunding request meets the access conditions according to the crowdfunding parameters in the deposit certificate crowdfunding request, wherein the crowdfunding parameters include: account opening amount, channel and product code; After the terminal corresponding to the set user clicks the crowdfunding order link, the crowdfunding products are displayed. If you need to participate in the crowdfunding, click the corresponding button.

6. A multi-person crowdfunding method for deposit certificates, characterized in that: Executed by the crowdfunding receiving terminal, including: Receive a crowdfunding order link sent by a server or a crowdfunding initiation node; the crowdfunding order link includes crowdfunding configuration information, the crowdfunding order link is generated by the server generating crowdfunding configuration information according to a deposit certificate crowdfunding request and placing the crowdfunding configuration information on an operation page, the deposit certificate crowdfunding request is request information for a deposit certificate product to request crowdfunding, the request information includes freely set crowdfunding parameters, and the crowdfunding parameters include the number of people and quota that the user wants to participate in the crowdfunding; Generate crowdfunding confirmation information according to the crowdfunding order link, wherein the crowdfunding confirmation information includes the identity of the crowdfunding receiving terminal; Sending the crowdfunding confirmation information to a server so that the server performs a deposit certificate deposit operation based on the crowdfunding configuration information; The method further comprises: Click the crowdfunding order link to display the crowdfunding products. If you need to participate in crowdfunding, click the corresponding button; The crowdfunding initiating node is a third-party server, and the server obtains the identity of the third-party server; based on the identity and the corresponding authority, verifies whether the certificate of deposit crowdfunding request is legal; and verifies whether the certificate of deposit crowdfunding request meets the access conditions based on the crowdfunding parameters in the certificate of deposit crowdfunding request, wherein the crowdfunding parameters include: account opening amount, channel and product code.

7. A multi-person crowdfunding method for deposit certificates, characterized in that: include: The crowdfunding initiating node sends a certificate of deposit crowdfunding request to the server. The certificate of deposit crowdfunding request is request information for a certificate of deposit product to request crowdfunding. The request information includes freely set crowdfunding parameters. The crowdfunding parameters include the number of people and quota that the user hopes to participate in the crowdfunding. The server generates a crowdfunding order link according to the deposit certificate crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiation node and / or the crowdfunding receiving terminal corresponding to the set user, specifically including: The server generates crowdfunding configuration information according to the deposit certificate crowdfunding request, places the crowdfunding configuration information on an operation page, and sends the operation page to the receiving terminal in the form of an order link; After the receiving terminal clicks the crowdfunding order link, the crowdfunding products are displayed. If you need to participate in the crowdfunding, click the corresponding button; or The server sends the crowdfunding order link to the crowdfunding initiating node, and the crowdfunding initiating node freely selects a crowdfunding receiving terminal to forward the link; The crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity identifier of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server; The server performs a deposit certificate deposit operation based on the crowdfunding configuration information; The crowdfunding initiating node is a third-party server, and the method further includes: The server obtains the identity of the third-party server; based on the identity and the corresponding authority, verifies whether the certificate of deposit crowdfunding request is legal; and verifies whether the certificate of deposit crowdfunding request meets the access conditions according to the crowdfunding parameters in the certificate of deposit crowdfunding request, wherein the crowdfunding parameters include: account opening amount, channel and product code.

8. A server, characterized in that: include: A deposit certificate crowdfunding request receiving module receives a deposit certificate crowdfunding request from a crowdfunding initiating node, wherein the deposit certificate crowdfunding request is request information for a deposit certificate product to request crowdfunding, and the request information includes freely set crowdfunding parameters, and the crowdfunding parameters include the number of people and quota that the user hopes to participate in the crowdfunding; A link generation module, which generates a crowdfunding order link according to the deposit certificate crowdfunding request, wherein the crowdfunding order link includes crowdfunding configuration information; The link sending module sends the crowdfunding order link to the crowdfunding initiating node and / or the crowdfunding receiving terminal corresponding to the set user. When the receiving terminal clicks the crowdfunding order link, the crowdfunding products are displayed. If you need to participate in crowdfunding, click the corresponding button; or send the crowdfunding order link to the crowdfunding initiating node, and the crowdfunding initiating node freely selects the crowdfunding receiving terminal to forward the link; The link generation module generates crowdfunding configuration information according to the deposit certificate crowdfunding request, places the crowdfunding configuration information on an operation page, and sends the operation page to the receiving terminal in the form of an order link; The crowdfunding initiating node is a third-party server, and the server also includes: An identity acquisition module is used to acquire the identity of the third-party server; A legality verification module, based on the identity identifier and the corresponding authority, verifies whether the deposit certificate crowdfunding request is legal; The access verification module verifies whether the certificate of deposit crowdfunding request meets the access conditions according to the crowdfunding parameters in the certificate of deposit crowdfunding request, wherein the crowdfunding parameters include: account opening amount, channel and product code.

9. The server according to claim 8, characterized in that: The server also includes: A crowdfunding confirmation information receiving module receives crowdfunding confirmation information sent by a terminal corresponding to a set user; the crowdfunding confirmation information includes an identity identifier of the crowdfunding receiving terminal; An account information retrieval module, which retrieves the account information according to the identity identifier; The validity verification module verifies whether the account status is normal and determines whether the deduction amount type is valid based on the account information.

10. The server according to claim 8, characterized in that: The crowdfunding initiating node is an initiating terminal, and the server further includes: A relevance determination module, which generates a relevance of interpersonal relationships between the crowdfunding receiving terminal and the initiating terminal according to the identity identifier and the account information of the two terminals; The relevance judgment module rejects the crowdfunding receiving terminal from participating in crowdfunding if the interpersonal relationship relevance is lower than a set threshold.

11. The server according to claim 8, characterized in that: The crowdfunding order link includes multiple ones, each of which is sent to a crowdfunding receiving terminal of one of the set users; The crowdfunding order link further includes an order number, which includes a sponsor identity, a product identity, a timestamp, a random number, and a check digit; The server also includes: A check digit generation module generates a check digit according to the initiator identity, product identity, timestamp, and random number; An order verification module verifies the crowdfunding order according to the verification digit.

12. A crowdfunding initiating node, characterized in that: The crowdfunding initiating node is a third-party server, including: Product information acquisition module, which acquires product information of deposit certificate products that support multi-person crowdfunding; A crowdfunding configuration information setting module is configured to set crowdfunding configuration information according to the product information, so that the server generates a crowdfunding order link according to the crowdfunding configuration information, and sends the crowdfunding order link to a terminal corresponding to a set user, wherein the deposit certificate crowdfunding request is request information for crowdfunding of a deposit certificate product, and the request information includes freely set crowdfunding parameters, and the crowdfunding parameters include the number of people and the limit that the user wants to participate in the crowdfunding; the server obtains the identity of the third-party server; based on the identity and the corresponding authority, verifies whether the deposit certificate crowdfunding request is legal; verifies whether the deposit certificate crowdfunding request meets the access conditions according to the crowdfunding parameters in the deposit certificate crowdfunding request, wherein the crowdfunding parameters include: account opening amount, channel and product code; The crowdfunding configuration information setting module generates crowdfunding configuration information according to the deposit certificate crowdfunding request, places the crowdfunding configuration information on an operation page, and sends the operation page to the receiving terminal in the form of an order link; when the terminal corresponding to the set user clicks the crowdfunding order link, the crowdfunding products are displayed, and if you need to participate in the crowdfunding, click the corresponding button.

13. A crowdfunding receiving terminal, characterized in that: include: A crowdfunding order link receiving module receives the crowdfunding order link sent by the server or crowdfunding initiating node; The crowdfunding order link includes crowdfunding configuration information. The crowdfunding order link is generated by a server generating crowdfunding configuration information according to a deposit certificate crowdfunding request and placing the crowdfunding configuration information on an operation page. The deposit certificate crowdfunding request is request information for a deposit certificate product to request crowdfunding. The request information includes freely set crowdfunding parameters, and the crowdfunding parameters include the number of people and quota that the user wants to participate in the crowdfunding; A crowdfunding confirmation information generating module, which generates crowdfunding confirmation information according to the crowdfunding order link, wherein the crowdfunding confirmation information includes an identity identifier of a crowdfunding receiving terminal; A crowdfunding confirmation information sending module is used to send the crowdfunding confirmation information to a server, so that the server performs a deposit certificate deposit operation based on the crowdfunding configuration information; Also includes: Crowdfunding product display participation module, click the crowdfunding order link to display the crowdfunding products, if you need to participate in crowdfunding, click the corresponding button; The crowdfunding initiating node is a third-party server, and the server obtains the identity of the third-party server; based on the identity and the corresponding authority, verifies whether the certificate of deposit crowdfunding request is legal; and verifies whether the certificate of deposit crowdfunding request meets the access conditions based on the crowdfunding parameters in the certificate of deposit crowdfunding request, wherein the crowdfunding parameters include: account opening amount, channel and product code.

14. A multi-person crowdfunding system for deposit receipts, characterized in that: include: Crowdfunding initiating node, server and crowdfunding receiving terminal; among which, The crowdfunding initiating node sends a certificate of deposit crowdfunding request to the server. The certificate of deposit crowdfunding request is request information for a certificate of deposit product to request crowdfunding. The request information includes freely set crowdfunding parameters. The crowdfunding parameters include the number of people and quota that the user hopes to participate in the crowdfunding. The server generates a crowdfunding order link according to the deposit certificate crowdfunding request, the crowdfunding order link includes crowdfunding configuration information, and sends the crowdfunding order link to the crowdfunding initiating node and / or a crowdfunding receiving terminal corresponding to the set user; The crowdfunding receiving terminal generates crowdfunding confirmation information according to the crowdfunding order link, the crowdfunding confirmation information includes the identity identifier of the crowdfunding receiving terminal, and sends the crowdfunding confirmation information to the server; The server performs a deposit certificate deposit operation based on the crowdfunding configuration information; The server generates a crowdfunding order link according to the deposit certificate crowdfunding request, generates crowdfunding configuration information according to the deposit certificate crowdfunding request, places the crowdfunding configuration information on an operation page, and sends the operation page to the receiving terminal in the form of an order link; when the receiving terminal clicks the crowdfunding order link, the crowdfunding product is displayed, and if the receiving terminal needs to participate in the crowdfunding, the receiving terminal clicks the corresponding button; or the server sends the crowdfunding order link to the crowdfunding initiating node, and the crowdfunding initiating node freely selects the crowdfunding receiving terminal to forward the link; The crowdfunding initiating node is a third-party server, and the server obtains the identity of the third-party server; based on the identity and the corresponding authority, verifies whether the certificate of deposit crowdfunding request is legal; and verifies whether the certificate of deposit crowdfunding request meets the access conditions based on the crowdfunding parameters in the certificate of deposit crowdfunding request, wherein the crowdfunding parameters include: account opening amount, channel and product code.

15. 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 multi-person crowdfunding method for the deposit certificate described in any one of claims 1 to 7 is implemented.

16. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, it implements the multi-person crowdfunding method for deposit certificates as described in any one of claims 1 to 7.

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