A financial management platform and financial management method thereof

Abstract

The present invention provides a financial management platform and a financial management method thereof, wherein the system comprises: an acquisition module, used for acquiring the published application information of a first user, and at the same time, acquiring the intended application information of a second user; a determination module, used for matching the corresponding published application information to the intended application information, and determining the target application corresponding to the matched published application information; and a transaction module, used for issuing the amount to be received to the first user after the second user purchases the right to use the target application. By managing program transactions, the transaction risk is effectively reduced, time is saved, and transaction efficiency is improved.

Description

Technical Field

[0001] The present invention relates to the field of financial management technology, and in particular to a financial management platform and a financial management method thereof. Background Art

[0002] With the development of computers and the Internet, and the rapid expansion of the Internet economy, online sales and online transactions of products are becoming more and more popular. The two parties to the transaction communicate based on the transaction platform, and place orders and make payments through the transaction platform;

[0003] However, although online transactions are very convenient at present, most trading platforms have problems such as slow communication, slow transaction order review, and slow fund review during financial transactions, which results in online transactions taking a long time and being inefficient. Therefore, in order to improve the efficiency of online transactions, the present invention provides a financial management platform and a financial management method thereof. Summary of the invention

[0004] The present invention provides a financial management platform and a financial management method thereof, which are used to manage program transactions, thereby effectively reducing transaction risks, saving time, and improving transaction efficiency.

[0005] The present invention provides a financial management platform, comprising:

[0006] An acquisition module, used to acquire the published application information of the first user and, at the same time, acquire the intended application information of the second user;

[0007] A determination module, used to match the intended application information with corresponding published application information, and determine a target application corresponding to the matched published application information;

[0008] The transaction module is used to send the amount to be received to the first user after the second user purchases the right to use the target application.

[0009] In a possible implementation, the acquisition module includes: the published application information includes: a published name and a published application; and the intended application information includes: an intended name.

[0010] In a possible implementation, the determining module includes:

[0011] An information acquisition unit, used to acquire content information and corresponding location information of each code in a target program corresponding to the target application;

[0012] an integrity judgment unit, configured to retrieve a standard program corresponding to the target application from a program library, extract code content information at the same position as each code in the standard program, and confirm whether the target program is complete based on a comparison result between the content information of the two, and if complete, remind the first user and the second user to conduct a transaction;

[0013] If it is incomplete, the code missing position in the target program compared to the standard program is obtained, and the missing code is supplemented at the code missing position to obtain a new program.

[0014] In a possible implementation, the determining module further includes:

[0015] A legality judgment unit, used to judge whether the target program is in a whitelist after determining that the target program is complete, and if so, judge that the target program is legal;

[0016] If the target program is not in the whitelist, obtaining the credit identification information of the target program, and when the credit identification information is the first identification information, determining that the target program is legal;

[0017] When the credit identification information is the second identification information, the target program is determined to be illegal, and the second user is reminded not to purchase the target program.

[0018] In a possible implementation, the determining module further includes:

[0019] A first acquisition unit is used to acquire first identification information of the published application and, at the same time, acquire second identification information of the intended application;

[0020] a first control unit, configured to determine a degree of match between the first identification information and the second identification information based on the first identification information and the second identification information, and when the degree of match is less than a preset degree of match, determine that the published application is not an intended application of the second user;

[0021] When the matching degree is not less than a preset matching degree, the published application is determined to be the intended application of the second user, and the published application is used as the target application, and the published application program corresponding to the published application is used as the target program.

[0022] In a possible implementation, the method further includes: a transaction management module, including:

[0023] A login unit, configured to remind the second user to log in to the financial management platform after the first user and the second user reach a target transaction agreement;

[0024] A setting unit, configured to determine the character type of the current login information according to the feature information of the current login information of the second user;

[0025] A screening unit, used to obtain the size information of each character, and determine the minimum circumscribed rectangular area corresponding to each character based on the size information, and at the same time, screen the maximum area among the minimum circumscribed rectangular areas as the target verification box area corresponding to each character;

[0026] A mapping unit, configured to take the character type and the target verification box area as preset conditions, traverse the verification box list, and map to obtain a corresponding target verification box;

[0027] A verification unit, configured to use the first position in each character as the initial position of the corresponding target verification box, control the same target verification box to sequentially select the same type of characters from the initial position, and sequentially input the characters into the information verification model for verification in a preset order, and obtain the number of all erroneous characters in different types of characters according to the verification results corresponding to different target verification boxes;

[0028] a marking unit, configured to obtain, when the number of all erroneous characters is less than a preset number, a first character corresponding to the first position, and at the same time, obtain relative position information between all erroneous characters and the first character, and control a marking line to mark each erroneous character among all erroneous characters based on the relative position information;

[0029] A second control unit is used to count the number of all marking lines in the current login information, and compare the number with the number of erroneous characters, and when they are consistent, obtain the self-length information of all erroneous characters and the interval length information between adjacent characters, and determine the marking activity range of each marking line based on the self-length information and the interval length information, and at the same time, obtain the initial position and the terminal position of each marking line, determine the offset value of each marking line based on the marking activity range, and correct the initial position and the terminal position of the corresponding marking line based on the offset value;

[0030] When there is inconsistency, extract the relative position information corresponding to the unmarked erroneous characters, and make supplementary marks, and at the same time, remind the second user to make partial modifications to the erroneous characters;

[0031] When the number of all incorrect characters is not less than a preset number, obtaining the second user's upcoming login information based on the financial management platform, and reminding the second user to comprehensively modify the current login information based on the upcoming login information;

[0032] an identity confirmation unit, configured to determine the identity characteristics of the second user based on the current login information after determining that the current login information is authenticated, and send a notification of updating the current page information to the control terminal of the financial management platform when determining that the second user is a member user;

[0033] A search unit, configured to determine a target keyword according to the purchase intention information of the second user, and search for target application information corresponding to the target keyword based on the target keyword at the search bar of the current page;

[0034] A first information determining unit, configured to determine remark information according to the additional purchase demand information of the second user;

[0035] The second information determining unit is used to determine the current purchase order information of the second user based on the target application information and the remark information.

[0036] In a possible implementation, the transaction module includes:

[0037] An updating unit, configured to receive a purchase request from the second user based on the target application, and the control terminal of the financial management platform updates a current page of the second user terminal based on the purchase request;

[0038] The first main control unit is used to remind the second user to select the target application in the current page to place an order and pay the corresponding target amount. At the same time, the current purchase order information is sent to the first user end for display, and the first user is reminded to issue the corresponding usage rights and the corresponding target program of the target application.

[0039] In a possible implementation, the transaction management module further includes:

[0040] An information receiving unit, used to receive current purchase order information submitted by the second user terminal;

[0041] a first processing unit, configured to extract all separators in the current purchase order information, and use the separators as first segmentation identifiers to perform first segmentation on all sub-information in the current purchase order information, and at the same time, obtain a first connection feature between information on both sides of the first segmentation identifier;

[0042] a second processing unit, configured to obtain a second connection feature between adjacent sub-information in all sub-information, and obtain a difference degree between the second connection feature and a preset connection feature, determine a second segmentation mark based on the difference degree, and perform a second segmentation on the current purchase order information at the second segmentation mark;

[0043] A drawing unit, used to use the sub-information names and corresponding content information of all sub-information as header information, and preliminarily draw an information list corresponding to the current purchase order information according to the quantity of all sub-information and the header information;

[0044] a filling unit, used for obtaining the first contact feature, the first segmentation result and the second segmentation result, and filling all sub-information in the current purchase order information into the information list in sequence according to the layout rule of the information list;

[0045] A retrieval unit, configured to use each pre-set keyword as a search word, perform a search from top to bottom in the information list based on the search word, and use the word in the current purchase order information that has the highest matching degree with the search word as a feature word;

[0046] a setting unit, configured to obtain the type of the feature word, determine the feature type of the current purchase order information based on the type, and set a different type label for each feature word based on the feature type;

[0047] A third processing unit, configured to perform clustering processing on the information corresponding to each characteristic word in the current purchase order information, and add the clustering processing result to the corresponding type label;

[0048] The second main control unit is used to extract the first information in the first type tag, determine the payment status of the second user terminal, and when the payment status is unpaid, send an unpaid questionnaire to the second user terminal, and extract the second information in the second type tag, determine the identity information and address information of the second user, and verify the legitimacy of the identity information and the address information based on the identity information database, and when it is determined to be legal, send a payment reminder notification to the second user terminal;

[0049] Otherwise, waiting for a feedback message from the second user terminal based on the non-payment questionnaire;

[0050] When the payment status is paid, the third information in the third type tag is extracted to determine the target application identification number purchased by the second user and the corresponding purchase quantity, and based on the target application identification number and the purchase quantity, the corresponding program and other installation information are retrieved from the application database of the financial management platform, compressed into a target application installation package and sent to the second user end for display.

[0051] In a possible implementation, the transaction management module further includes:

[0052] An extraction unit, configured to extract target data corresponding to a target program after determining that the first user terminal has received a target amount;

[0053] A second acquisition unit is used to acquire a data transmission channel between the first user terminal and the second user terminal after the first user sends the target data to the second user, and acquire a data reception amount of each node in the data transmission channel at a preset time interval;

[0054] A speed determination unit, configured to determine the transmission speed of the target data based on a correspondence between each time period and the amount of data received within a preset time interval;

[0055] A receiving duration acquisition unit, used to acquire the data receiving duration of each node;

[0056] A delay duration acquisition unit, used to acquire a delay duration of the first user terminal network for transmitting the target data;

[0057] The duration prediction unit is used to obtain the length of the data transmission channel and predict the total waiting time required for the second user end to receive the target data based on the transmission speed, data reception duration, delay duration and the length.

[0058] The present invention provides a financial management method, comprising:

[0059] Step 1: Obtain the published application information of the first user, and at the same time, obtain the intended application information of the second user;

[0060] Step 2: matching the intended application information with corresponding published application information, and determining a target application corresponding to the matched published application information;

[0061] Step 3: After the second user purchases the right to use the target application, the amount to be received is sent to the first user.

[0062] Other features and advantages of the present invention will be described in the following description, and partly become apparent from the description, or understood by practicing the present invention. The purpose and other advantages of the present invention can be realized and obtained by the structures particularly pointed out in the written description, claims, and drawings.

[0063] The technical solution of the present invention is further described in detail below through the accompanying drawings and embodiments. BRIEF DESCRIPTION OF THE DRAWINGS

[0064] The accompanying drawings are used to provide a further understanding of the present invention and constitute a part of the specification. Together with the embodiments of the present invention, they are used to explain the present invention and do not constitute a limitation of the present invention. In the accompanying drawings:

[0065] Figure 1 This is a structural block diagram of a financial management platform in an embodiment of the present invention;

[0066] Figure 2 It is a structural block diagram of a determination module in an embodiment of the present invention;

[0067] Figure 3 It is a structural block diagram of a determination module in another embodiment of the present invention;

[0068] Figure 4 The present invention is a flowchart of a financial management method according to an embodiment of the present invention. DETAILED DESCRIPTION

[0069] The preferred embodiments of the present invention are described below in conjunction with the accompanying drawings. It should be understood that the preferred embodiments described herein are only used to illustrate and explain the present invention, and are not used to limit the present invention.

[0070] Embodiment 1:

[0071] The embodiment of the present invention provides a financial management platform, such as Figure 1 As shown, including:

[0072] An acquisition module, used to acquire the published application information of the first user and, at the same time, acquire the intended application information of the second user;

[0073] A determination module, used to match the intended application information with corresponding published application information, and determine a target application corresponding to the matched published application information;

[0074] The transaction module is used to send the amount to be received to the first user after the second user purchases the right to use the target application.

[0075] In this embodiment, the intended application information refers to information corresponding to the application that the second user wants to purchase, including: the intended name.

[0076] In this embodiment, matching the intended application information with the corresponding published application information refers to matching the intended application with the published application to confirm whether they match.

[0077] In this embodiment, the usage authority refers to the identity authority of the user of the target application.

[0078] The beneficial effects of the above technical solution are: determining the target application through the matching relationship between the intended application information and the published application information, which is both accurate and convenient, and also clarifies the transaction object between the first user and the second user. At the same time, purchasing the usage rights first and then issuing the amount to be received, which effectively saves transaction time and ensures transaction security and high transaction efficiency.

[0079] Embodiment 2:

[0080] Based on Example 1, the embodiment of the present invention provides a financial management platform, and the acquisition module includes: the published application information includes: a published name and a published application; the intended application information includes: an intended name.

[0081] The beneficial effects of the above technical solution are: by understanding the published application information and the intended application information, it is easy to screen the published application information, laying the foundation for determining the target application and further saving transaction time.

[0082] Embodiment 3:

[0083] Based on Example 1, the present invention provides a financial management platform, such as Figure 2 As shown, the determination module includes:

[0084] An information acquisition unit, used to acquire content information and corresponding location information of each code in a target program corresponding to the target application;

[0085] an integrity judgment unit, configured to retrieve a standard program corresponding to the target application from a program library, extract code content information at the same position as each code in the standard program, and confirm whether the target program is complete based on a comparison result between the content information of the two, and if complete, remind the first user and the second user to conduct a transaction;

[0086] If it is incomplete, the code missing position in the target program compared to the standard program is obtained, and the missing code is supplemented at the code missing position to obtain a new program.

[0087] In this embodiment, the content information refers to the character information of each code, such as: public, string.

[0088] In this embodiment, the position information refers to the relative position of each code in the target program, for example, located at the 5th position from the left of the first line of the program.

[0089] The beneficial effect of the above technical solution is: by confirming the integrity of the target program, it is effectively guaranteed that a reliable program is purchased, further reducing transaction risks.

[0090] Embodiment 4:

[0091] Based on Example 3, the embodiment of the present invention provides a financial management platform, wherein the determination module further includes:

[0092] A legality judgment unit, used to judge whether the target program is in a whitelist after determining that the target program is complete, and if so, judge that the target program is legal;

[0093] If the target program is not in the whitelist, obtaining the credit identification information of the target program, and when the credit identification information is the first identification information, determining that the target program is legal;

[0094] When the credit identification information is the second identification information, the target program is determined to be illegal, and the second user is reminded not to purchase the target program.

[0095] In this embodiment, the whitelist refers to a list containing credible programs, that is, all programs in the whitelist are legal.

[0096] In this embodiment, the credit identification information refers to the use of identification characters to indicate the credit of the target program, for example: A, B, C, D, where the credit increases from A to D. Using A to identify the target program indicates that the credit of the target program is poor, and using D to identify the target program indicates that the credit of the target program is good. The credit is judged based on the public's evaluation of the target program. A good rating indicates a good credit, and a bad rating indicates a poor credit.

[0097] In this embodiment, the first identification information refers to the identification character D, which means good credit.

[0098] In this embodiment, the second identification information refers to the identification character A, which means poor credit.

[0099] The beneficial effects of the above technical solution are: after the integrity is confirmed, the legality is judged to further ensure the authenticity and reliability of the purchased target program, and effectively ensure the quality of online transactions.

[0100] Embodiment 5:

[0101] Based on Example 1, the present invention provides a financial management platform, such as Figure 3 As shown, the determining module further includes:

[0102] A first acquisition unit is used to acquire first identification information of the published application and, at the same time, acquire second identification information of the intended application;

[0103] a first control unit, configured to determine a degree of match between the first identification information and the second identification information based on the first identification information and the second identification information, and when the degree of match is less than a preset degree of match, determine that the published application is not an intended application of the second user;

[0104] When the matching degree is not less than a preset matching degree, the published application is determined to be the intended application of the second user, and the published application is used as the target application, and the published application program corresponding to the published application is used as the target program.

[0105] In this embodiment, the first identification information refers to setting an identification number for each published application for distinction, for example: 1 is the first published application, 2 is the second published application.

[0106] In this embodiment, the second identification information refers to setting an identification number for each intended application for distinction, for example: 8 for the first intended application, 9 for the second intended application.

[0107] The beneficial effect of the above technical solution is: confirming whether it is the target application and the target program according to the matching degree between the identification information, making the confirmation result more accurate, providing convenience for the first user and the second user to conduct transactions, effectively ensuring the transaction quality, and saving time.

[0108] Embodiment 6:

[0109] Based on Example 1, the embodiment of the present invention provides a financial management platform, further comprising: a transaction management module, including:

[0110] A login unit, configured to remind the second user to log in to the financial management platform after the first user and the second user reach a target transaction agreement;

[0111] A setting unit, configured to determine the character type of the current login information according to the feature information of the current login information of the second user;

[0112] A screening unit, used to obtain the size information of each character, and determine the minimum circumscribed rectangular area corresponding to each character based on the size information, and at the same time, screen the maximum area among the minimum circumscribed rectangular areas as the target verification box area corresponding to each character;

[0113] A mapping unit, configured to take the character type and the target verification box area as preset conditions, traverse the verification box list, and map to obtain a corresponding target verification box;

[0114] A verification unit, configured to use the first position in each character as the initial position of the corresponding target verification box, control the same target verification box to sequentially select the same type of characters from the initial position, and sequentially input the characters into the information verification model for verification in a preset order, and obtain the number of all erroneous characters in different types of characters according to the verification results corresponding to different target verification boxes;

[0115] a marking unit, configured to obtain, when the number of all erroneous characters is less than a preset number, a first character corresponding to the first position, and at the same time, obtain relative position information between all erroneous characters and the first character, and control a marking line to mark each erroneous character among all erroneous characters based on the relative position information;

[0116] A second control unit is used to count the number of all marking lines in the current login information, and compare the number with the number of erroneous characters, and when they are consistent, obtain the self-length information of all erroneous characters and the interval length information between adjacent characters, and determine the marking activity range of each marking line based on the self-length information and the interval length information, and at the same time, obtain the initial position and the terminal position of each marking line, determine the offset value of each marking line based on the marking activity range, and correct the initial position and the terminal position of the corresponding marking line based on the offset value;

[0117] When there is inconsistency, extract the relative position information corresponding to the unmarked erroneous characters, and make supplementary marks, and at the same time, remind the second user to make partial modifications to the erroneous characters;

[0118] When the number of all incorrect characters is not less than a preset number, obtaining the second user's upcoming login information based on the financial management platform, and reminding the second user to comprehensively modify the current login information based on the upcoming login information;

[0119] an identity confirmation unit, configured to determine the identity characteristics of the second user based on the current login information after determining that the current login information is authenticated, and send a notification of updating the current page information to the control terminal of the financial management platform when determining that the second user is a member user;

[0120] A search unit, configured to determine a target keyword according to the purchase intention information of the second user, and search for target application information corresponding to the target keyword based on the target keyword at the search bar of the current page;

[0121] A first information determining unit, configured to determine remark information according to the additional purchase demand information of the second user;

[0122] The second information determining unit is used to determine the current purchase order information of the second user based on the target application information and the remark information.

[0123] In this embodiment, the target transaction protocol refers to a protocol for determining the transaction relationship between the first user and the second user, determining who is the publisher and who is the buyer, and the exact purchase.

[0124] In this embodiment, the current login information includes the current login account information and the current login password information.

[0125] In this embodiment, the characteristic information refers to the structural composition characteristics and character setting position characteristics of the current login account information and the current login password information, wherein the structural composition characteristics are, for example: letters in front and numbers in the back; the character setting position characteristics are, for example: the uppercase letter A in Azcvd12345 is located at the first position in the uppercase letter character, the lowercase letter d is located at the fourth position in the lowercase letter character, and the number 4 is located at the fourth position in the number character.

[0126] In this embodiment, the character type refers to the character type used in the current login account information and the current login password information, such as uppercase letters, lowercase letters, and numbers.

[0127] In this embodiment, the size information refers to the length information and width information of each character.

[0128] In this embodiment, the verification frame list refers to a table containing information such as verification frame numbers, size information, and applicable types.

[0129] In this embodiment, mapping to obtain the corresponding target verification box means determining a verification box that satisfies both the correspondence between the character type and the applicable type of the verification box and the correspondence between the target verification box area and the size information of the verification box, that is, the target verification box.

[0130] In this embodiment, the preset order refers to the order starting from the first position of each character and going to the right.

[0131] In this embodiment, the verification result refers to the result of comparing the currently input characters with the historically set characters, for example: consistent (ie, correct), inconsistent (ie, inaccurate).

[0132] In this embodiment, the relative position information refers to the direction in which all the erroneous characters are placed relative to the first character and the corresponding position.

[0133] In this embodiment, the initial position and the final position are both based on the first position as a reference.

[0134] In this embodiment, the upcoming login information refers to the login information corresponding to the most recent login time from the current login time, including: upcoming login account information and upcoming login password information.

[0135] In this embodiment, the identity feature refers to the identity identification feature of the second user, for example, whether the second user is a member or is on the blacklist.

[0136] In this embodiment, the current page information refers to the application product information published by the first user, including: application product name, price, application product features, store name, wherein the application product features include: performance features, appearance features, memory features, etc.

[0137] In this embodiment, the purchase intention information refers to the application product information that the second user wants to purchase.

[0138] In this embodiment, the target keywords refer to words related to purchase intention information, such as: high-level imperative programming language, open source message agent software.

[0139] In this embodiment, the additional purchase demand information refers to the additional requirement information of the second user for the target application, including: after-sales service.

[0140] In this embodiment, the current purchase order information refers to information including the name of the purchase target application, the purchase quantity, the payment status, the name of the consignee, the contact information of the consignee, the address of the consignee, and the like.

[0141] The beneficial effects of the above technical solution are: obtaining the target verification box by screening the maximum area in the minimum circumscribed rectangular area, ensuring that a target verification box that is compatible with each character of the same type is obtained, further ensuring high-quality framed characters, and verifying the current login information to ensure the eligibility of the login information, and effectively ensuring the transaction security of the financial management platform; by detecting the marking line, ensuring that the erroneous characters are modified at the correct marking position, avoiding the risk of missed modifications and erroneous modifications, and ensuring the quality of modifications; determining the current purchase order information through the searched target application information and note information, effectively ensuring the accuracy of the order information, ensuring the transaction quality, saving time, and further effectively improving transaction efficiency.

[0142] Embodiment 7:

[0143] Based on Example 1, this embodiment of the present invention provides a financial management platform, wherein the transaction module includes:

[0144] An updating unit, configured to receive a purchase request from the second user based on the target application, and the control terminal of the financial management platform updates a current page of the second user terminal based on the purchase request;

[0145] The first main control unit is used to remind the second user to select the target application in the current page to place an order and pay the corresponding target amount. At the same time, the current purchase order information is sent to the first user end for display, and the first user is reminded to issue the corresponding usage rights and the corresponding target program of the target application.

[0146] The beneficial effect of the above technical solution is: after submitting the current purchase order information, the corresponding usage permissions of the target application and the corresponding target program are issued, and the orderly transaction sequence effectively saves transaction time.

[0147] Embodiment 8:

[0148] Based on Example 1, the embodiment of the present invention provides a financial management platform, wherein the transaction management module further includes:

[0149] An information receiving unit, used to receive current purchase order information submitted by the second user terminal;

[0150] a first processing unit, configured to extract all separators in the current purchase order information, and use the separators as first segmentation identifiers to perform first segmentation on all sub-information in the current purchase order information, and at the same time, obtain a first connection feature between information on both sides of the first segmentation identifier;

[0151] a second processing unit, configured to obtain a second connection feature between adjacent sub-information in all sub-information, and obtain a difference degree between the second connection feature and a preset connection feature, determine a second segmentation mark based on the difference degree, and perform a second segmentation on the current purchase order information at the second segmentation mark;

[0152] A drawing unit, used to use the sub-information names and corresponding content information of all sub-information as header information, and preliminarily draw an information list corresponding to the current purchase order information according to the quantity of all sub-information and the header information;

[0153] a filling unit, used for obtaining the first contact feature, the first segmentation result and the second segmentation result, and filling all sub-information in the current purchase order information into the information list in sequence according to the layout rule of the information list;

[0154] A retrieval unit, configured to use each pre-set keyword as a search word, perform a search from top to bottom in the information list based on the search word, and use the word in the current purchase order information that has the highest matching degree with the search word as a feature word;

[0155] a setting unit, configured to obtain the type of the feature word, determine the feature type of the current purchase order information based on the type, and set a different type label for each feature word based on the feature type;

[0156] A third processing unit, configured to perform clustering processing on the information corresponding to each characteristic word in the current purchase order information, and add the clustering processing result to the corresponding type label;

[0157] The second main control unit is used to extract the first information in the first type tag, determine the payment status of the second user terminal, and when the payment status is unpaid, send an unpaid questionnaire to the second user terminal, and extract the second information in the second type tag, determine the identity information and address information of the second user, and verify the legitimacy of the identity information and the address information based on the identity information database, and when it is determined to be legal, send a payment reminder notification to the second user terminal;

[0158] Otherwise, waiting for a feedback message from the second user terminal based on the non-payment questionnaire;

[0159] When the payment status is paid, the third information in the third type tag is extracted to determine the target application identification number purchased by the second user and the corresponding purchase quantity, and based on the target application identification number and the purchase quantity, the corresponding program and other installation information are retrieved from the application database of the financial management platform, compressed into a target application installation package and sent to the second user end for display.

[0160] In this embodiment, the separator refers to a symbol used to separate the sub-information name and content in the current purchase order information, for example: ←.

[0161] In this embodiment, the sub-information refers to the relevant information of all orders in the current purchase order information.

[0162] In this embodiment, the first segmentation refers to segmenting all sub-information names and corresponding content information in the current purchase order information.

[0163] In this embodiment, the first connection feature refers to the degree of connection between the sub-information name and the content information, for example: close connection, less connection, no connection.

[0164] In this embodiment, the second connection feature refers to the degree of connection between adjacent sub-information, such as: close connection, less connection, or no connection.

[0165] In this embodiment, the degree of difference refers to determining the degree of correlation between adjacent sub-information based on the distance between the second connection feature and the preset connection feature. For example, a very large difference means no correlation, a generally large difference means a generally large correlation, and no difference means a very large correlation.

[0166] In this embodiment, the second segmentation mark refers to setting corresponding identification symbols according to the degree of difference, for example, a is used to mark a very large difference, b is used to mark a moderately large difference, and c is used to mark no difference.

[0167] In this embodiment, the preliminary drawing refers to drawing the table header information and the table frame.

[0168] In this embodiment, the layout rule refers to layout in the order of consignee name, consignee contact information, consignee address, purchase application name, purchase quantity, purchase time information, and payment status from top to bottom.

[0169] In this embodiment, the keywords refer to words such as consignee, time, purchase, and payment.

[0170] In this embodiment, the characteristic words refer to consignee characteristics, time characteristics, purchase characteristics, payment characteristics, etc.

[0171] In this embodiment, setting different type tags means setting a first type tag for payment characteristics, setting a second type tag for consignee characteristics, setting a third type tag for purchase characteristics, and setting a fourth type tag for time characteristics.

[0172] In this embodiment, clustering processing refers to integrating all information related to consignee characteristics, time characteristics, purchase characteristics, payment characteristics, etc.

[0173] In this embodiment, adding the clustering processing results to the corresponding type tags means adding the corresponding integrated information such as consignee characteristics, time characteristics, purchase characteristics, payment characteristics, etc. to the corresponding type tags for easy viewing.

[0174] In this embodiment, the first information refers to payment characteristic information, including: payment status and corresponding amount of money.

[0175] In this embodiment, the non-payment questionnaire refers to a questionnaire with information on predicted reasons for non-payment, wherein the predicted reasons for non-payment include: wrong bidding, problems with payment method selection, etc.

[0176] In this embodiment, the second information refers to the consignee's characteristic information, including: the consignee's name, contact information, and address.

[0177] In this embodiment, the identity information refers to the name and contact information of the consignee.

[0178] In this embodiment, the address information refers to the consignee's address.

[0179] In this embodiment, the third information refers to purchase characteristic information, including: a purchase target application identification number, a purchase target application name, and a purchase target application quantity.

[0180] In this embodiment, the target application identification number refers to the number corresponding to the target application, for example: 101, 102, 103.

[0181] In this embodiment, other installation information refers to installation deployment step information.

[0182] The beneficial effects of the above technical solution are: through the first segmentation and the second segmentation processing, the current purchase order information is reflected in the information list, making the current purchase order information clearer and more direct, and providing convenience for the subsequent retrieval work. The setting of type tags is convenient for distinguishing each feature word, and the clustering processing results are added to the type tags, making the information more concentrated and convenient for extracting information. The payment status is judged to confirm whether the second user wants to purchase, the unpaid questionnaire and identity legitimacy verification ensure the security of the transaction process. At the same time, it accelerates the speed at which the second user obtains the target application installation package, meets the purchasing needs of the second user, saves time, and improves transaction efficiency.

[0183] Embodiment 9:

[0184] Based on Example 1, the embodiment of the present invention provides a financial management platform, wherein the transaction management module further includes:

[0185] An extraction unit, configured to extract target data corresponding to a target program after determining that the first user terminal has received a target amount;

[0186] A second acquisition unit is used to acquire a data transmission channel between the first user terminal and the second user terminal after the first user sends the target data to the second user, and acquire a data reception amount of each node in the data transmission channel at a preset time interval;

[0187] A speed determination unit, configured to determine the transmission speed of the target data based on a correspondence between each time period and the amount of data received within a preset time interval;

[0188] A receiving duration acquisition unit, used to acquire the data receiving duration of each node;

[0189] A delay duration acquisition unit, used to acquire a delay duration of the first user terminal network for transmitting the target data;

[0190] The duration prediction unit is used to obtain the length of the data transmission channel and predict the total waiting time required for the second user end to receive the target data based on the transmission speed, data reception duration, delay duration and the length.

[0191] In this embodiment, more than one node is set in the data transmission channel.

[0192] In this embodiment, the preset time interval may be 20s, 40s or 60s.

[0193] The beneficial effects of the above technical solution are: through the transmission speed, data reception time, delay time and the length of the data transmission channel, the waiting time of the second user is predicted to ensure that the data is transmitted to the second user end on time within the limited time, thereby reducing the impact on the second user, saving transaction time and effectively improving transaction efficiency.

[0194] Embodiment 10:

[0195] The embodiment of the present invention provides a financial management method, such as Figure 4 As shown, including:

[0196] Step 1: Obtain the published application information of the first user, and at the same time, obtain the intended application information of the second user;

[0197] Step 2: matching the intended application information with corresponding published application information, and determining a target application corresponding to the matched published application information;

[0198] Step 3: After the second user purchases the right to use the target application, the amount to be received is sent to the first user.

[0199] The beneficial effects of the above technical solution are: determining the target application through the matching relationship between the intended application information and the published application information, which is both accurate and convenient, and also clarifies the transaction object between the first user and the second user. At the same time, purchasing the usage rights first and then issuing the amount to be received, which effectively saves transaction time and ensures transaction security and high transaction efficiency.

[0200] Embodiment 11:

[0201] Based on Example 1, the embodiment of the present invention provides a financial management platform, further comprising: a prediction module for predicting and supervising the subsequent data transmission process, including:

[0202] a data volume detection unit, configured to detect a first data volume sent by the first user terminal associated with the target application to the second user terminal, and to detect a second data volume received by the second user terminal associated with the target application, when the money transaction is completed;

[0203] A monitoring unit is used to monitor the transaction time during the money transaction, the network operation status of the financial management platform, and its own operation status in real time;

[0204] A calculation unit is used to predict the transmission efficiency η of the subsequent transmission target application based on the detection results of the data volume detection unit and the supervision unit and the following formula:

[0205]

[0206] Wherein, μ represents the supervision factor, and its value range is (0.8, 1.0); M1 represents the second data volume received by the second user terminal; M2 represents the first data volume sent by the first user terminal to the second user terminal, wherein M1≤M2; T represents the theoretical total transaction time corresponding to the monetary transaction; t represents the actual total transaction time corresponding to the monetary transaction, wherein T≤t; v1 represents the first actual network speed corresponding to the transaction between the first user terminal and the financial management platform; v3 represents the first theoretical network speed corresponding to the transaction between the first user terminal and the financial management platform, wherein v1≤v3; v2 represents the second actual network speed corresponding to the transaction between the financial management platform and the second user terminal; v4 represents the actual network speed between the financial management platform and the second user terminal; the second theoretical network speed corresponding to the transaction performed by the second user terminal, wherein v2≤v4; v5 represents the actual operating speed of the financial management platform during the current transaction; v6 represents the theoretical operating speed of the financial management platform during the current transaction, wherein v5≤v6; ε1 represents the first influencing factor of network speed on transmission efficiency, and its value range is (0.10, 0.12); ε2 represents the second influencing factor of transaction duration on transmission efficiency, and its value range is (0.08, 0.10); ε3 represents the third influencing factor of operating speed on transmission efficiency, and its value range is (0.12, 0.27); ε4 represents the fourth influencing factor of failure on transmission efficiency, and its value range is (0.14, 0.28);

[0207] The calculation unit is further used to predict the later transmission quality evaluation coefficient k according to the transmission efficiency η:

[0208]

[0209] Wherein, c1 represents the first rating value of the first user for the current transaction; δ1 represents the first influence weight value of the first rating value on the subsequent transmission quality; c2 represents the second rating value of the second user for the current transaction; δ2 represents the second influence weight value of the second rating value on the subsequent transmission quality, where δ1+δ2=1; N1 represents the total number of current transactions between the first user and the second user, where N1≥1; N2 represents the number of erroneous transactions between the first user and the second user during the current transaction, where N2≥0; P represents the error factor, and its value range is (0.02, 0.05);

[0210] A third main control unit is used to compare the later transmission quality evaluation coefficient with a preset evaluation coefficient, and when the later transmission quality evaluation coefficient is less than the preset evaluation coefficient, determine that the later transmission quality is poor, and send the determination result to the mobile terminal of the staff for display;

[0211] When the later transmission quality evaluation coefficient is not less than a preset evaluation coefficient, it is determined that the later transmission quality is good.

[0212] In this embodiment, in the formula , when μ=0.9, M1=85, M2=100, T=180s, t=200s, v1=90KB / s, v3=128KB / s, v2=100KB / s, v4= 120KB / s, v5=800MIPS, v6=1000MIPS, ε1=0.11, ε2=0.09, ε3=0.24, ε4=0.27, η=0.11.

[0213] In this embodiment, in the formula In the example, when η=0.11, c1=90, δ1=0.4, c2=85, δ2=0.6, N1=10, N2=3, and P=0.03, k=0.06. If the preset evaluation coefficient is 0.5, 0.06 is obviously less than 0.5, and the later transmission quality is judged to be poor, and the staff is reminded to perform maintenance.

[0214] The beneficial effects of the above technical solution are: supervising the transmission process of the later data, grasping the data transmission trend in real time, ensuring that the data can be transmitted smoothly, determining the later transmission efficiency by data volume, transaction duration, network speed, and running speed, and comprehensively considering each influencing factor to promote the improvement of calculation accuracy, and also laying the foundation for calculating the later transmission quality evaluation coefficient, so as to accurately judge the quality of the later transmission, and deal with it in time when the quality is poor, effectively guaranteeing a high transaction quality, ensuring that the second user obtains qualified applications, and bringing better services to the second user, thereby improving transaction efficiency.

[0215] Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include these modifications and variations.

Claims

1. A financial management platform, characterized in that: include: An acquisition module, used to acquire the published application information of the first user and, at the same time, acquire the intended application information of the second user; A determination module, used to match the intended application information with corresponding published application information, and determine a target application corresponding to the matched published application information; A transaction module, configured to issue the amount to be received to the first user after the second user purchases the right to use the target application; The transaction module includes: an updating unit, configured to receive a purchase request from the second user based on the target application, and the control terminal of the financial management platform updates the current page of the second user terminal based on the purchase request; The first main control unit is used to remind the second user to select the target application in the current page to place an order and pay the corresponding target amount, and at the same time, send the current purchase order information to the first user terminal for display, and remind the first user to issue the corresponding usage permission of the target application and the corresponding target program; The financial management platform also includes: a prediction module, which is used to predict and supervise the subsequent data transmission process, including: a data volume detection unit, configured to detect a first data volume sent by the first user terminal associated with the target application to the second user terminal, and to detect a second data volume received by the second user terminal associated with the target application, when the money transaction is completed; A monitoring unit is used to monitor the transaction time during the money transaction, the network operation status of the financial management platform, and its own operation status in real time; A calculation unit is used to predict the transmission efficiency of the subsequent transmission target application based on the detection results of the data volume detection unit and the supervision unit and the following formula : in, represents the supervision factor; Indicates the amount of second data received by the second user terminal; represents the first data volume sent by the first user terminal to the second user terminal, wherein: ; Indicates the theoretical total transaction time corresponding to the money transaction; represents the total actual transaction duration corresponding to the monetary transaction, where: ; Indicates a first actual network speed corresponding to the transaction between the first user terminal and the financial management platform; represents the first theoretical network speed corresponding to the transaction between the first user terminal and the financial management platform, wherein: ; Indicates a second actual network speed corresponding to the transaction between the financial management platform and the second user terminal; represents the second theoretical network speed corresponding to the transaction between the financial management platform and the second user terminal, wherein: ; Indicates the actual operating speed of the financial management platform during the current transaction process; It represents the theoretical operating speed of the financial management platform in the current transaction process, where: ; Indicates the first influencing factor of network speed on transmission efficiency; It represents the second influencing factor of transaction duration on transmission efficiency, and its value range is (0.08, 0.10); It represents the third influencing factor of the running speed on the transmission efficiency, and its value range is (0.12, 0.27); represents the fourth influencing factor of the fault on the transmission efficiency, and its value range is (0.14, 0.28); The calculation unit is also used to calculate the transmission efficiency , predict the later transmission quality evaluation coefficient; A third main control unit is used to compare the later transmission quality evaluation coefficient with a preset evaluation coefficient, and when the later transmission quality evaluation coefficient is less than the preset evaluation coefficient, determine that the later transmission quality is poor, and send the determination result to the mobile terminal of the staff for display; When the later transmission quality evaluation coefficient is not less than a preset evaluation coefficient, it is determined that the later transmission quality is good.

2. A financial management platform according to claim 1, characterized in that: The acquisition module includes: the published application information includes: a published name and a published application; the intended application information includes: an intended name.

3. A financial management platform according to claim 1, characterized in that: The determining module comprises: An information acquisition unit, used to acquire content information and corresponding location information of each code in a target program corresponding to the target application; an integrity judgment unit, configured to retrieve a standard program corresponding to the target application from a program library, extract code content information at the same position as each code in the standard program, and confirm whether the target program is complete based on a comparison result between the content information of the two, and if complete, remind the first user and the second user to conduct a transaction; If it is incomplete, the code missing position in the target program compared to the standard program is obtained, and the missing code is supplemented at the code missing position to obtain a new program.

4. A financial management platform according to claim 3, characterized in that: The determining module further includes: A legality judgment unit, used to judge whether the target program is in a whitelist after determining that the target program is complete, and if so, judge that the target program is legal; If the target program is not in the whitelist, obtaining the credit identification information of the target program, and when the credit identification information is the first identification information, determining that the target program is legal; When the credit identification information is the second identification information, the target program is determined to be illegal, and the second user is reminded not to purchase the target program.

5. A financial management platform according to claim 1, characterized in that: The determining module further includes: A first acquisition unit is used to acquire first identification information of the published application and, at the same time, acquire second identification information of the intended application; a first control unit, configured to determine a degree of match between the first identification information and the second identification information based on the first identification information and the second identification information, and when the degree of match is less than a preset degree of match, determine that the published application is not an intended application of the second user; When the matching degree is not less than a preset matching degree, the published application is determined to be the intended application of the second user, and the published application is used as the target application, and the published application program corresponding to the published application is used as the target program.

6. A financial management platform according to claim 1, characterized in that: Also includes: Transaction management module, including: A login unit, configured to remind the second user to log in to the financial management platform after the first user and the second user reach a target transaction agreement; A setting unit, configured to determine the character type of the current login information according to the feature information of the current login information of the second user; A screening unit, used to obtain the size information of each character, and determine the minimum circumscribed rectangular area corresponding to each character based on the size information, and at the same time, screen the maximum area among the minimum circumscribed rectangular areas as the target verification box area corresponding to each character; A mapping unit, configured to take the character type and the target verification box area as preset conditions, traverse the verification box list, and map to obtain a corresponding target verification box; A verification unit, configured to use the first position in each character as the initial position of the corresponding target verification box, control the same target verification box to sequentially select the same type of characters from the initial position, and sequentially input the characters into the information verification model for verification in a preset order, and obtain the number of all erroneous characters in different types of characters according to the verification results corresponding to different target verification boxes; a marking unit, configured to obtain, when the number of all erroneous characters is less than a preset number, a first character corresponding to the first position, and at the same time, obtain relative position information between all erroneous characters and the first character, and control a marking line to mark each erroneous character among all erroneous characters based on the relative position information; A second control unit is used to count the number of all marking lines in the current login information, and compare the number of all marking lines with the number of erroneous characters, and when they are consistent, obtain the self-length information of all erroneous characters and the interval length information between adjacent characters, and determine the marking activity range of each marking line based on the self-length information and the interval length information, and at the same time, obtain the initial position and the terminal position of each marking line, determine the offset value of each marking line based on the marking activity range, and correct the initial position and the terminal position of the corresponding marking line based on the offset value; When there is inconsistency, extract the relative position information corresponding to the unmarked erroneous characters, and make supplementary marks, and at the same time, remind the second user to make partial modifications to the erroneous characters; When the number of all incorrect characters is not less than a preset number, obtaining the second user's upcoming login information based on the financial management platform, and reminding the second user to comprehensively modify the current login information based on the upcoming login information; an identity confirmation unit, configured to determine the identity characteristics of the second user based on the current login information after determining that the current login information is authenticated, and send a notification of updating the current page information to the control terminal of the financial management platform when determining that the second user is a member user; A search unit, configured to determine a target keyword according to the purchase intention information of the second user, and search for target application information corresponding to the target keyword based on the target keyword at the search bar of the current page; A first information determining unit, configured to determine remark information according to the additional purchase demand information of the second user; The second information determining unit is used to determine the current purchase order information of the second user based on the target application information and the remark information.

7. A financial management platform according to claim 6, characterized in that: The transaction management module further includes: An information receiving unit, used to receive current purchase order information submitted by the second user terminal; a first processing unit, configured to extract all separators in the current purchase order information, and use the separators as first segmentation identifiers to perform first segmentation on all sub-information in the current purchase order information, and at the same time, obtain a first connection feature between information on both sides of the first segmentation identifier; a second processing unit, configured to obtain a second connection feature between adjacent sub-information in all sub-information, and obtain a difference degree between the second connection feature and a preset connection feature, determine a second segmentation mark based on the difference degree, and perform a second segmentation on the current purchase order information at the second segmentation mark; A drawing unit, used to use the sub-information names and corresponding content information of all sub-information as header information, and preliminarily draw an information list corresponding to the current purchase order information according to the quantity of all sub-information and the header information; a filling unit, used for acquiring the first contact feature, the first segmentation result and the second segmentation result, and filling all the sub-information in the current purchase order information into the information list in sequence according to the layout rule of the information list; A retrieval unit, configured to use each pre-set keyword as a search word, perform a search from top to bottom in the information list based on the search word, and use the word in the current purchase order information that has the highest matching degree with the search word as a feature word; a setting unit, configured to obtain the type of the feature word, determine the feature type of the current purchase order information based on the type, and set a different type label for each feature word based on the feature type; Setting different types of tags means setting a first type of tag for payment features, setting a second type of tag for consignee features, and setting a third type of tag for purchase features; A third processing unit, configured to perform clustering processing on the information corresponding to each characteristic word in the current purchase order information, and add the clustering processing result to the corresponding type label; The second main control unit is used to extract the first information in the first type tag, determine the payment status of the second user terminal, and when the payment status is unpaid, send an unpaid questionnaire to the second user terminal, and extract the second information in the second type tag, determine the identity information and address information of the second user, and verify the legitimacy of the identity information and the address information based on the identity information database, and when it is determined to be legal, send a payment reminder notification to the second user terminal; Otherwise, waiting for a feedback message from the second user terminal based on the non-payment questionnaire; When the payment status is paid, the third information in the third type tag is extracted to determine the target application identification number purchased by the second user and the corresponding purchase quantity, and based on the target application identification number and the purchase quantity, the corresponding program and other installation information are retrieved from the application database of the financial management platform, compressed into a target application installation package and sent to the second user end for display.

8. A financial management platform according to claim 6, characterized in that: The transaction management module further includes: An extraction unit, configured to extract target data corresponding to a target program after determining that the first user terminal has received a target amount; A second acquisition unit is used to acquire a data transmission channel between the first user terminal and the second user terminal after the first user sends the target data to the second user, and acquire a data reception amount of each node in the data transmission channel at a preset time interval; A speed determination unit, configured to determine the transmission speed of the target data based on a correspondence between each time period and the amount of data received within a preset time interval; A receiving duration acquisition unit, used to acquire the data receiving duration of each node; A delay duration acquisition unit, used to acquire a delay duration of the first user terminal network for transmitting the target data; The duration prediction unit is used to obtain the length of the data transmission channel and predict the total waiting time required for the second user end to receive the target data based on the transmission speed, data reception duration, delay duration and the length.

9. A financial management method, characterized in that: The method is performed on a financial management platform as claimed in claim 1, comprising: Step 1: Obtain the published application information of the first user, and at the same time, obtain the intended application information of the second user; Step 2: matching the intended application information with corresponding published application information, and determining a target application corresponding to the matched published application information; Step 3: After the second user purchases the right to use the target application, the amount to be received is sent to the first user.

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