Electronic resource transfer control method, device and equipment and computer storage medium

Abstract

The present application discloses a transfer control method, device and equipment of electronic resources and a computer storage medium, which relates to the field of computer technology. In this method, the claim qualification of insurance products is used as a condition for determining whether the user is allowed to redeem in advance. When the user meets the claim qualification of insurance products, he can freely choose whether to redeem the assets of the financial products held in the closed period that have not expired in advance to deal with special situations. The insurance products and financial products are flexibly combined through the claim qualification determination of insurance products. In special circumstances, the user can flexibly control the transfer of funds to meet the user's usage needs in special circumstances and improve the user experience. In addition, since the user only needs to apply for insurance claims, the complexity of the user's operation is reduced, and the user does not need to provide double proof materials, which reduces the network resource consumption during data transmission, and the terminal or background needs to process less operation content, thereby reducing the consumption of computing resources.

Description

Technical Field

[0001] The present application relates to the field of computer technology and provides a method, device and equipment for controlling the transfer of electronic resources and a computer storage medium. Background Art

[0002] Financial products and insurance products are two completely different types of financial products. Financial products are products that earn a certain amount of interest with a certain amount of principal as investment, while insurance products are a kind of security product. Users can use a small amount of investment to provide a safety net for large losses. Financial products and insurance products exist independently, usually provided by different platforms and institutions, and provide independent services to users respectively, and are unrelated to each other.

[0003] Generally speaking, financial products have a certain financial closed cycle. Generally, after the closed cycle ends, you can apply to redeem the investment in the financial product. However, when there is an unexpected situation and the user is in urgent need of funds, he cannot redeem the purchased financial products, and the claim application for insurance products also requires certain certificates and cycles. Therefore, the current financial products and insurance products have poor flexibility in fund transfer and cannot meet the user's usage needs in special circumstances. In addition, when special circumstances arise, if the user wants to apply for early redemption, it may require a complex operation process to apply for redemption, and at the same time may need to apply for insurance claims. Whether it is financial product redemption or insurance claim application, the user needs to provide certain supporting materials, and the user needs to spend a lot of time to operate, and the terminal or the background needs to consume more resources to process the user's operation content, thereby occupying too many computing resources and network resources. Summary of the invention

[0004] The embodiments of the present application provide a method, device, and equipment for controlling the transfer of electronic resources, and a computer storage medium, for improving the flexibility of resource transfer control and reducing resource consumption.

[0005] In one aspect, a method for controlling the transfer of electronic resources is provided, the method comprising:

[0006] According to the query operation of the insurance products bound to the target account, a display page containing the bound insurance products is displayed, wherein the display page of the bound insurance products displays each insurance product and a claim application control corresponding to each insurance product;

[0007] Send a claim request to the trading platform server based on the operation of the claim application control corresponding to the target insurance product;

[0008] When the target insurance product is associated with the financial product of the target account, the resource transfer control of the financial product is displayed according to the indication of passing the claim qualification review returned by the trading platform server; wherein the indication of passing the claim qualification review is sent by the trading platform server according to the result of passing the claim qualification review returned by the insurance platform server after forwarding the claim request to the insurance platform server corresponding to the target insurance product;

[0009] According to the operation performed on the resource transfer control, an electronic resource transfer request is sent to the transaction platform server to request that the electronic resource corresponding to the financial product be transferred to the electronic resource account designated by the target account before the transfer period of the financial product expires.

[0010] Optionally, the method further includes:

[0011] According to the operation of selecting the financial product bound to the associated account of the target account in the resource transfer setting page, an electronic resource transfer request is generated to request the transfer of the electronic resources corresponding to the financial product bound to the other account.

[0012] In one aspect, a method for controlling the transfer of electronic resources is provided, the method comprising:

[0013] According to a claim settlement request sent by a target account for a target insurance product bound to the target account, forwarding the claim settlement request to an insurance platform server corresponding to the target insurance product;

[0014] According to the indication of claim qualification approval returned by the insurance platform server, page data carrying the indication and resource transfer control information is returned to the target account; the resource transfer control is used to apply for the transfer of the electronic resources corresponding to the financial product associated with the target insurance product to the electronic resource account specified by the target account before the transfer period of the financial product associated with the target insurance product expires;

[0015] Based on the electronic resource transfer request triggered by the operation of the resource transfer control sent by the target account, a resource transfer application is initiated to the asset management platform server corresponding to the wealth management product.

[0016] In one aspect, a device for controlling the transfer of electronic resources is provided, the device comprising:

[0017] A page display unit, configured to display a display page containing bound insurance products according to a query operation on the insurance products bound to the target account, wherein the display page of the bound insurance products displays each insurance product and a claim application control corresponding to each insurance product;

[0018] A sending unit, configured to send a claim request to a trading platform server according to an operation performed on a claim application control corresponding to a target insurance product;

[0019] The page display unit is further used to display the resource transfer control of the financial product according to the indication of passing the claim qualification review returned by the trading platform server when the target insurance product is associated with the financial product of the target account; wherein the indication of passing the claim qualification review is sent by the trading platform server according to the result of passing the claim qualification review returned by the insurance platform server after forwarding the claim request to the insurance platform server corresponding to the target insurance product;

[0020] The sending unit is further used to send an electronic resource transfer request to the trading platform server according to the operation performed on the resource transfer control, so as to request that the electronic resources corresponding to the financial product be transferred to the electronic resource account specified by the target account before the transfer period of the financial product expires.

[0021] Optional,

[0022] The page display unit is further used to display a display page containing unbound insurance products according to a query operation on the insurance products that are not bound to the target account, wherein the display page of the unbound insurance products displays each insurance product and a binding control corresponding to each insurance product;

[0023] The sending unit is further configured to send an insurance product binding request to the transaction platform server according to an operation performed on a binding control of the target insurance product;

[0024] The page display unit is further used to, when the target account or an associated account of the target account has been bound to a financial product associated with the target insurance product, display prompt information indicating that when the claim settlement qualification of the target insurance product is met, the electronic resources corresponding to the financial product can be transferred before the transfer period of the financial product expires, according to the indication of successful binding returned by the transaction platform server; or

[0025] The page display unit is also used to display prompt information to apply for the financial product when the target account is not bound to the financial product associated with the target insurance product, according to the indication of successful binding returned by the transaction platform server.

[0026] Optional,

[0027] The page display unit is also used to display the display page of the wealth management products associated with the target insurance product among the wealth management products bound to the target account according to the query operation performed in the display page of the target insurance product, and the display page of the wealth management products displays the product information of each wealth management product.

[0028] Optional,

[0029] The page display unit is further used to display a display page containing unbound financial products according to a query operation on the financial products that are not bound to the target account, wherein the display page of the unbound financial products displays each financial product and a binding control corresponding to each financial product;

[0030] The sending unit is further configured to send a financial product binding request to the trading platform server according to an operation performed on a binding control of a target financial product;

[0031] The page display unit is further configured to, when the target account or the associated account has been bound to an insurance product associated with the target financial product, display prompt information indicating that when the claim settlement qualification of the associated insurance product is met, the electronic resources corresponding to the target financial product can be transferred before the transfer period of the target financial product expires, according to the indication of successful binding returned by the transaction platform server; or

[0032] The page display unit is further used to display prompt information to apply for the insurance product according to the indication of successful binding returned by the transaction platform server when the target account is not bound to the insurance product associated with the target financial product.

[0033] Optional,

[0034] The page display unit is further used to display a display page containing unbound financial products according to the query operation performed on the display page entrance, wherein the display page of the unbound financial products displays each financial product and a binding control corresponding to each financial product;

[0035] The sending unit is further used to send a financial product binding request to the trading platform server according to the operation performed on the binding control of the target financial product.

[0036] Optionally, the page display unit is further used to:

[0037] When an insurance product display page includes an insurance product with a resource advance transfer feature, a resource advance transfer feature label is displayed in a region corresponding to the insurance product with the resource advance transfer feature, and the resource advance transfer feature label is used to indicate that when the claim settlement qualification of the insurance product is met, the electronic resources corresponding to the wealth management product can be transferred before the transfer period of the wealth management product associated with the insurance product expires; or,

[0038] When a wealth management product with the feature of early resource transfer is included in a display page of wealth management products, a resource early transfer feature label is displayed in an area corresponding to the wealth management product with the feature of early resource transfer.

[0039] Optionally, the sending unit is specifically configured to:

[0040] Displaying a resource transfer setting page according to the operation performed on the resource transfer control;

[0041] Generate an electronic resource transfer request according to the setting operation performed in the resource transfer setting page; the electronic resource transfer request carries indication information indicating the selected financial products and the quantity of electronic resources to be transferred for each financial product;

[0042] The electronic resource transfer request is sent to the transaction platform server.

[0043] In one aspect, a device for controlling the transfer of electronic resources is provided, the device comprising:

[0044] A claim request unit, configured to forward a claim request for a target insurance product bound to the target account to an insurance platform server corresponding to the target insurance product according to the claim request sent by the target account;

[0045] A page data transmission unit, used to return page data carrying the instruction and resource transfer control information to the target account according to the instruction of claim qualification review passed returned by the insurance platform server; the resource transfer control is used to apply for transferring the electronic resources corresponding to the financial product associated with the target insurance product to the electronic resource account specified by the target account before the transfer period of the financial product associated with the target insurance product expires;

[0046] A resource transfer application unit is used to initiate a resource transfer application to the asset management platform server corresponding to the wealth management product according to an electronic resource transfer request triggered by an operation on the resource transfer control sent by the target account.

[0047] Optionally, the device further includes a receiving unit and an association marking unit;

[0048] The receiving unit is configured to receive an insurance product binding request for a target insurance product sent by the target account;

[0049] The association marking unit is used to mark the electronic resources corresponding to the wealth management product with a resource early transfer characteristic label related to the target insurance product when it is determined that the target account or the associated account of the target account has been bound to the wealth management product associated with the target insurance product. The resource early transfer characteristic label is used to indicate that when the claim qualification of the target insurance product is met, the electronic resources corresponding to the wealth management product can be transferred before the transfer deadline of the wealth management product arrives.

[0050] Optional,

[0051] The receiving unit is further configured to receive a financial product binding request for a target financial product sent by the target account;

[0052] The association marking unit is further used to mark the electronic resources corresponding to the wealth management product with a resource early transfer characteristic label related to the insurance product when it is determined that the target account or the associated account of the target account has been bound to the insurance product associated with the target wealth management product. The resource early transfer characteristic label is used to indicate that when the claim qualification of the insurance product is met, the electronic resources corresponding to the target wealth management product can be transferred before the transfer deadline of the target wealth management product arrives.

[0053] Optional,

[0054] The association marking unit is further used to mark the resource transfer indication label on the electronic resource after the change of the financial product when monitoring the change of the electronic resource corresponding to the financial product bound to the target account.

[0055] On the one hand, a transfer control system of electronic resources is provided, the system comprising a trading platform client, a trading platform server, an insurance platform server and an asset management platform server, wherein a target account is logged into the trading platform client;

[0056] The trading platform client sends a claim request to the trading platform server according to the operation performed on the claim application control corresponding to the target insurance product;

[0057] The transaction platform server forwards the claim request to the insurance platform server, and returns page data carrying the instruction and resource transfer control information of the financial product associated with the target insurance product to the target account according to the instruction of claim qualification approval returned by the insurance platform server;

[0058] The trading platform client sends an electronic resource transfer request to the trading platform server according to the operation performed on the displayed resource transfer control;

[0059] The transaction platform server initiates a resource transfer application to the asset management platform server corresponding to the wealth management product based on the electronic resource transfer request, requesting that the electronic resources corresponding to the wealth management product be transferred to the electronic resource account designated by the target account before the transfer deadline of the wealth management product.

[0060] On the one hand, a computer device is provided, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of any one of the above methods when executing the computer program.

[0061] In one aspect, a computer storage medium is provided, on which computer program instructions are stored, and when the computer program instructions are executed by a processor, the steps of any of the above methods are implemented.

[0062] In one aspect, a computer program product or a computer program is provided, the computer program product or the computer program comprising computer instructions, the computer instructions being stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device performs the steps of any of the above methods.

[0063] In the embodiment of the present application, when the target insurance product is associated with the financial product of the target account, and the claim qualification of the target insurance product is approved, the resource transfer control of the financial product can be displayed, and the user can apply for the transfer of electronic resources by operating the resource transfer control. That is to say, in the embodiment of the present application, the claim qualification of the insurance product is used as a condition for determining whether the user is allowed to redeem in advance. When the user meets the claim qualification of the insurance product, he can freely choose whether to redeem the assets of the financial product held in the closed period that have not expired in advance to deal with special circumstances. The insurance product and the financial product are flexibly combined through the claim qualification determination of the insurance product. In special circumstances, the user can flexibly control the transfer of funds to meet the user's usage needs in special circumstances and improve the user experience. In addition, since the user only needs to apply for insurance claims, the complexity of the user's operation is reduced, and the user does not need to provide double proof materials, which reduces the network resource consumption during data transmission, and the terminal or background needs to process less operation content, thereby reducing the consumption of computing resources. BRIEF DESCRIPTION OF THE DRAWINGS

[0064] 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 only embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on the provided drawings without paying any creative work.

[0065] Figure 1 A schematic diagram of an application scenario provided for an embodiment of the present application;

[0066] Figure 2 A schematic diagram of a process for binding a financial product and a target account provided in an embodiment of the present application;

[0067] Figure 3 A schematic diagram of the operation of binding a financial product and a target account provided in an embodiment of the present application;

[0068] Figure 4 A schematic diagram of a process for binding an insurance product with a target account provided in an embodiment of the present application;

[0069] Figure 5 A schematic diagram of the operation of binding an insurance product and a target account provided in an embodiment of the present application;

[0070] Figure 6 A schematic diagram of a detailed explanation page of a resource advance transfer feature provided in an embodiment of the present application;

[0071] Figure 7 A flowchart of a method for controlling the transfer of electronic resources provided in an embodiment of the present application;

[0072] Figure 8 A schematic diagram of the operation of viewing bound insurance products and financial products provided in an embodiment of the present application;

[0073] Fig. 9 A schematic diagram of a display page before and after the resource advance transfer entrance is opened provided in an embodiment of the present application;

[0074] Fig.10 A schematic diagram of resource transfer operation provided in an embodiment of the present application;

[0075] Fig.11 A schematic diagram of a structure of a transfer control device for electronic resources provided in an embodiment of the present application;

[0076] Fig.12 Another structural schematic diagram of the electronic resource transfer control device provided in an embodiment of the present application;

[0077] Fig.13 A schematic diagram of the structure of a computer device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0078] In order to make the purpose, technical scheme and advantages of the present application clearer, the technical scheme in the embodiment of the present application will be clearly and completely described below in conjunction with the drawings in the embodiment of the present application. Obviously, the described embodiment is only a part of the embodiment of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in the field without making creative work are within the scope of protection of the present application. In the absence of conflict, the embodiments in the present application and the features in the embodiments can be combined with each other arbitrarily. In addition, although the logical order is shown in the flow chart, in some cases, the steps shown or described can be performed in an order different from that here.

[0079] To facilitate understanding of the technical solutions provided in the embodiments of the present application, some key terms used in the embodiments of the present application are explained here:

[0080] Financial products: Fund management service products issued by asset management institutions, where users invest principal and receive returns, such as funds, bonds, universal insurance, and investment-linked insurance. In the embodiments of the present application, financial products may include financial products with early redemption features and financial products without early redemption features.

[0081] Electronic resources: Resources that can be circulated on online trading platforms, asset management institutions’ platforms, and insurance platforms, and can be used for product exchange. A certain amount of electronic resources can be exchanged for products of corresponding value. For example, on a trading platform, electronic resources can be used to exchange products provided on the trading platform, such as purchasing insurance products, financial products, and physical goods.

[0082] Insurance products: protection products issued by insurance platforms to hedge against future risk losses, such as accident insurance and critical illness insurance provided by life insurance companies, and fund theft insurance provided by property insurance companies. After the user pays the insurance product fee, if a loss occurs within the scope of insurance product protection, the user can apply for a claim to obtain the corresponding insurance compensation. In the embodiment of the present application, the insurance product may include an insurance product with an early redemption feature and an insurance product without an early redemption feature.

[0083] Binding: When a user purchases a financial product or insurance product, the user's electronic account will be bound to the purchased financial product or insurance product. The act of applying to bind the financial product or insurance product to the account can be understood as purchasing the financial product or insurance product in the name of the account.

[0084] Resource early transfer feature: also known as early redemption feature or early withdrawal feature, refers to the feature of transferring the electronic resources corresponding to a closed-cycle financial product in advance before the end of the closed cycle. Specifically, for financial products with a time limit for investment, the act of redeeming the investment before the investment period expires is early redemption.

[0085] Association: refers to the association between financial products or insurance products. This association is the association between the products themselves. For example, if an insurance product has an early redemption feature, when a financial product is set to meet the claim eligibility of the insurance product, it can be redeemed in advance. That is, when the financial product has the early redemption feature corresponding to the insurance product, the financial product has an association with the insurance product. In actual applications, an insurance product can be associated with one or more financial products, or a financial product can also be associated with one or more insurance products.

[0086] Transfer period: For a specific financial product, the transfer period is the closed period of the financial product. Different financial products have different closed periods, for example, 1 month, 3 months, half a year, 1 year, etc.

[0087] At present, financial products have a certain financial closed cycle. Only after the closed cycle ends can you apply to redeem the investment in the financial product. In response to the problem that you cannot apply for redemption before the end of the closed cycle of financial products, a certain banking institution provides a loan service with financial products as collateral. Before the purchased financial products expire, users can apply for a temporary loan, but the loan interest needs to be calculated based on the loan amount. Usually, the loan interest is higher than the financial income, so for users, the interests are obviously damaged. When there is an unexpected situation and users are in urgent need of funds, they cannot redeem the purchased financial products, and the claim application of insurance products also requires certain certificates and cycles. For example, many current medical insurance products require reimbursement documents as certificates to apply for claims after the treatment process. Therefore, the current financial products and insurance products have poor flexibility in fund transfer, and cannot meet the user's usage needs in special circumstances.

[0088] Considering that in order to improve the user experience, when users encounter some special circumstances, such as sudden accidents, illnesses, etc., and need a large sum of money to pay for medical expenses in a short period of time, users should be supported to redeem in advance. However, early redemption requires users to provide evidence to prove the occurrence of special circumstances. In addition, considering that insurance products need to review the actual situation of users during claim review, the claim of insurance products can be used as a proof of the occurrence of special circumstances to allow users to redeem in advance and meet the user's financial needs.

[0089] Based on this, the embodiment of the present application provides a transfer control method of electronic resources, in which when the target insurance product is associated with the financial product of the target account, and the claim qualification of the target insurance product is approved, the resource transfer control of the financial product can be displayed, and the user can apply for the transfer of electronic resources by operating the resource transfer control. That is to say, in the embodiment of the present application, the claim qualification of the insurance product is used as a condition for determining whether the user is allowed to redeem in advance. When the user meets the claim qualification of the insurance product, the user can freely choose whether to redeem the assets of the financial product held in the closed period that have not expired in advance, in order to deal with special circumstances, and the insurance product and the financial product are flexibly combined through the claim qualification determination of the insurance product. In special circumstances, the user can flexibly control the transfer of funds to meet the user's use needs in special circumstances and improve the user experience. In addition, since the user only needs to apply for insurance claims, the complexity of the user's operation is reduced, and the user does not need to provide double proof materials, the network resource consumption during data transmission is reduced, and the terminal or the background needs to process less operation content, thereby reducing the consumption of computing resources.

[0090] After introducing the design ideas of the embodiments of the present application, the following briefly introduces the application scenarios to which the technical solutions of the embodiments of the present application can be applied. It should be noted that the application scenarios introduced below are only used to illustrate the embodiments of the present application and are not limited. In the specific implementation process, the technical solutions provided by the embodiments of the present application can be flexibly applied according to actual needs.

[0091] The solution provided in the embodiment of the present application can be applied to most scenarios involving insurance products and financial products, such as Figure 1 As shown, a scenario in which the solution provided in an embodiment of the present application can be applied may include a terminal device 10, a transaction platform server 11, an insurance platform server 12 and an asset management platform server 13.

[0092] Among them, the trading platform page can be opened in the terminal device 10. For example, the trading platform client can be installed in the terminal device 10 to open the trading platform page through the trading platform client. The trading platform page can also be opened in other application software, such as opening the trading platform page through a browser, or opening the trading platform page in an instant messaging application in the form of an in-application page, a web link page, a public account page, or a mini-program page.

[0093] The terminal device 10 may be a mobile phone, a PC, a smart TV, a tablet computer, a laptop computer, a smart wearable device, a vehicle-mounted device, or the like.

[0094] The trading platform server 11 is the backend server of the trading platform, the insurance platform server 12 is the backend server of the insurance institution, and the asset management platform server 13 is the backend server of the asset management institution. The trading platform server 11, the insurance platform server 12, and the asset management platform server 13 can all be independent physical servers, or server clusters or distributed systems composed of multiple physical servers, or cloud servers that provide basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms.

[0095] The terminal device 10, the transaction platform server 11, the insurance platform server 12 and the asset management platform server 13 can all be connected through one or more networks 14, wherein the network 14 can be a wired network or a wireless network, for example, the wireless network can be a mobile cellular network, or it can be a wireless fidelity (WIREless-Fidelity, WIFI) network, and of course it can also be other possible networks, which is not limited in the embodiments of the present application.

[0096] In specific applications, the terminal device 10 is used to present the visual interactive page of the trading platform, and users can interact through the visual interactive page. The trading platform serves as a trading agent platform, and the trading platform server 11 is used to contact the terminal device 10 with the insurance platform server 12 and the asset management platform server 13 to enable users to purchase, claim, query, apply for and redeem insurance products or financial products.

[0097] Specifically, the user can bind the insurance product or financial product with his own account on the trading platform page in the terminal device 10. Correspondingly, the trading platform server 11 can send a binding request to the insurance platform server 12 or the asset management platform server 13 according to the user's operation. After the insurance platform server 12 or the asset management platform server 13 processes the binding request, the binding result is returned to the trading platform server 11. The trading platform server 11 will also return the transaction result to the terminal device 10 for display.

[0098] When a user's account is bound to an insurance product and a wealth management product with the feature of early resource transfer, the transaction platform server 11 will associate the insurance product and the wealth management product, and the user can also view the wealth management product information through the insurance product page or the insurance product information through the wealth management product page on the terminal device 10.

[0099] When a user encounters a situation that is covered by the insurance product, the user can apply for a claim through the claim page of the insurance product in the terminal device 10. Accordingly, the trading platform server 11 will forward the claim application to the insurance platform server 12. The insurance platform server 12 will review the user's claim application and return the review result to the trading platform server 11. The trading platform server 11 will also return the review result to the terminal device 10 for display.

[0100] When the user's claim review is passed, the trading platform server 11 opens the resource transfer entrance of the wealth management product. Accordingly, the user can view the corresponding resource transfer control through the terminal device 10, and can initiate a resource transfer application by operating the resource transfer control. Accordingly, the trading platform server 11 will forward the resource transfer application to the asset management platform server 13. The asset management platform server 13 will review the user's resource transfer application and return the review result to the trading platform server 11. After confirming that the review is passed, the trading platform server 11 will initiate a resource transfer to the asset management platform server 13 to transfer the electronic resources corresponding to the wealth management product to the user account.

[0101] Of course, the method provided in the embodiment of the present application is not limited to Figure 1 The application scenarios shown can also be used in other possible application scenarios, and the embodiments of the present application are not limited thereto. Figure 1 The functions that can be implemented by each device in the application scenario shown will be described in the subsequent method embodiments, and will not be described in detail here.

[0102] In an embodiment of the present application, if a user wants to apply for early transfer of electronic resources corresponding to a financial product, the user needs to have financial products and insurance products with early resource transfer features. Therefore, the process of binding financial products and insurance products to the user's target account is first introduced below.

[0103] Next, the process of binding the financial product to the target account is introduced.

[0104] like Figure 2 As shown, it is a schematic diagram of the process of a user binding a financial product with a target account. The process flow is described as follows.

[0105] Step 201: The trading platform client displays a display page containing unbound financial products based on a query operation on the financial products that are not bound to the target account.

[0106] In an embodiment of the present application, the query operation can be an operation for displaying unbound wealth management products on any interface provided by the social platform, for example, it can be an operation of clicking on the wealth management product entrance on the homepage of the social platform, or it can be an operation of screening unbound wealth management products on the wealth management product page, or it can be an operation of searching for unbound wealth management products on the wealth management product page, or it can be an operation of clicking on the wealth management product entrance on the associated insurance product page, or it can be an operation of clicking on the unbound wealth management product entrance on the bound insurance product page. Of course, it can also be any other possible operation, and the embodiment of the present application does not limit this.

[0107] In actual applications, the query operation may further include one or more sub-operations, and unbound financial products may be displayed through one or more sub-operations.

[0108] Specifically, according to the query operation of the unbound financial products of the target account, a display page containing the unbound financial products is displayed, and each financial product and the binding control corresponding to each financial product are displayed on the display page of the unbound financial products.

[0109] like Figure 3 As shown in the figure, it is a schematic diagram of the operation of binding a wealth management product to a target account. Among them, the user can view the page entrance of the wealth management products, insurance products and other products provided by the trading platform on the homepage of the trading platform. After operating the wealth management product page entrance, you can jump to the wealth management product page. Among them, the wealth management product page displays the information of the wealth management products provided by the trading platform, which may include the information of unbound and / or bound wealth management products, such as product name, asset management institution name, product income and closed period, etc.

[0110] In order to distinguish between financial products with the feature of early resource transfer and financial products without the feature, a resource early transfer feature label can be displayed in the corresponding area of ​​the financial products with the feature of early resource transfer. The resource early transfer feature label is used to indicate that when the claim qualifications of the associated insurance product are met, the electronic resources corresponding to the financial product can be transferred before the transfer deadline of the financial product arrives.

[0111] like Figure 3 As shown, the display page containing unbound financial products can refer to Figure 3 In the page shown in the figure above, when displaying various financial products, you can display binding controls in the corresponding areas of each financial product ( Figure 3 (not shown), in this way, after operating each binding control, the financial product can be bound to its own target account.

[0112] like Figure 3As shown, the display page containing unbound financial products can refer to Figure 3 The page shown in the upper right corner of the figure, then the query operation can refer to the operation from the trading platform homepage to the display page of financial product 2, or it can refer to the operation from the financial product list page to the display page of financial product 2. For a specific financial product, the display page of the financial product can include detailed information about the financial product, such as product name, asset management institution name, product income and closed period, etc. If the financial product is a financial product with the feature of early resource transfer, then the description of the feature of early resource transfer can also be displayed on the display page of the financial product, such as Figure 3 Description of the "Resources can be transferred in advance" area on the display page of the financial product 2. If the user wants to know more detailed instructions, he can also operate the "Resources can be transferred in advance" area to enter the detailed explanation page of the resource advance transfer feature, on which detailed information such as how to obtain the resource advance transfer feature and instructions for use can be displayed.

[0113] It should be noted that the above-mentioned process of displaying the display page actually includes the process of interacting with the trading platform server, that is, after the user performs a query operation, the trading platform client will send a page request to the trading platform server based on the query operation, and the trading platform server will respond to the page request and return the corresponding page data, and then the trading platform client will display it according to the returned page data.

[0114] Step 202: The trading platform client generates a financial product binding request according to the operation performed on the binding control of the target financial product.

[0115] In the embodiment of the present application, after the user operates the binding control corresponding to the target financial product selected on the display page, the trading platform client can obtain the user's operation and generate a corresponding financial product binding request based on the operation.

[0116] like Figure 3 As shown, after the user operates the binding control on the display page of the financial product 2, the trading platform client can generate a corresponding financial product binding request according to the user's operation.

[0117] Step 203: The trading platform client sends a financial product binding request to the trading platform server.

[0118] Step 204: The trading platform server forwards the financial product binding request to the asset management platform server.

[0119] As the agent of the wealth management product, the trading platform needs to initiate a subscription to the asset management institution that provides the wealth management product. Therefore, for the target wealth management product selected by the user, the trading platform server can determine the asset management institution corresponding to the target wealth management product, and then forward the wealth management product binding request to the asset management platform server of the asset management institution.

[0120] Step 205: The asset management platform server returns the financial product binding result to the trading platform server.

[0121] Step 206: The trading platform server queries whether the target account or an account associated with the target account is bound to an insurance product associated with the target financial product.

[0122] Step 207: If the determination result of step 207 is yes, the transaction platform server marks the electronic resources corresponding to the target financial product as being related to the insurance product.

[0123] In an embodiment of the present application, if the wealth management product binding result returned by the asset management platform server indicates that the binding is successful, that is, the subscription is successful, then the trading platform server can also query whether the target account has been bound to the insurance product bound to the wealth management product, or whether the associated account of the target account is bound to the insurance product associated with the target wealth management product. If it is bound, the trading platform server can mark the electronic resources corresponding to the wealth management product with the resource advance transfer characteristic tag related to the insurance product, so that when there is eligibility for insurance product claims, the resource advance transfer entrance of the target wealth management product can be opened.

[0124] Among them, the target account refers to the user's own account, and the associated account of the target account can be an account specified by the user, such as the account of the user's family or the account of a group organization. Taking the family as an example, when the account of any member of the family is bound to the target financial product, the electronic resources corresponding to the target financial product can be marked with the resource advance transfer characteristic label of the insurance product bound to the account of any member of the family. In this way, when the claim qualification review of the insurance product of any member of the family is passed, the electronic resources corresponding to the financial product of any member can be applied for transfer in advance to deal with emergencies.

[0125] For example, a family includes member A and member B. When wealth management product 1 is bound to member A's account, wealth management product 1 is associated with insurance product 2. If both member A and member B's accounts are bound to insurance product 2, wealth management product 1 bound to member A can be marked with an early transfer feature tag for resources related to insurance product 2 bound to member A and member B's accounts. When the claim qualification review of either insurance product 2 bound to member A's or member B's account is passed, an application can be made to redeem the electronic resources corresponding to wealth management product 1 bound to member A in advance.

[0126] Alternatively, users can purchase insurance for their family members through their own target accounts, and the family members' insurance policies can be bound to the target account. Then, when any family member applies for a claim, they can apply to redeem the electronic resources corresponding to the financial product bound to the user in advance.

[0127] Step 208: The trading platform server returns the financial product binding result to the trading platform client.

[0128] Specifically, the trading platform server returns the wealth management product binding result to the trading platform client based on the wealth management product binding result returned by the asset management platform server. The wealth management product binding result may carry indication information indicating the existence of associated insurance products, as well as detailed information on the associated insurance products.

[0129] In addition, if the trading platform server queries the target account or the associated account of the target account and is not bound to the insurance product associated with the target wealth management product, the trading platform server directly returns the wealth management product binding result to the trading platform client, and the wealth management product binding result can also carry indication information indicating that there is no associated insurance product.

[0130] Step 209: The trading platform client displays prompt information according to the financial product binding result.

[0131] After receiving the financial product binding result, the trading platform client can determine whether the target financial product binding is successful and whether there are any related insurance products based on the financial product binding result, and then display it based on the determination result.

[0132] like Figure 3 As shown in the lower left figure, when the target account or associated account has been bound to an insurance product associated with the target wealth management product, the trading platform client can display a prompt message that when the claim qualifications of the associated insurance product are met, the electronic resources corresponding to the target wealth management product can be transferred before the transfer deadline of the target wealth management product arrives.

[0133] like Figure 3 As shown in the lower right figure, when the target account or associated account is not bound to the insurance product associated with the target wealth management product, the trading platform client can display a prompt to apply for the insurance product.

[0134] Next, the process of binding an insurance product to a target account is introduced.

[0135] like Figure 4 As shown, it is a schematic diagram of the process of a user binding an insurance product with a target account. The process flow is described as follows.

[0136] Step 401: The trading platform client displays a display page containing unbound insurance products based on a query operation on unbound insurance products of a target account.

[0137] Similar to the above-mentioned wealth management products, the query operation can be an operation for displaying unbound insurance products on any interface provided by the social platform, for example, it can be an operation of clicking on the insurance product entrance on the homepage of the social platform, or it can be an operation of screening unbound insurance products on the insurance product page, or it can be an operation of searching for unbound insurance products on the insurance product page, or it can be an operation of clicking on the insurance product entrance on the associated wealth management product page, or it can be an operation of clicking on the unbound insurance product entrance on the bound wealth management product page. Of course, it can also be any other possible operation, and the embodiments of the present application do not limit this.

[0138] In actual applications, the query operation may also include one or more sub-operations, and unbound insurance products may be displayed through one or more sub-operations.

[0139] Specifically, according to the query operation of the unbound insurance products of the target account, a display page containing the unbound insurance products is displayed, and each insurance product and the binding control corresponding to each insurance product are displayed on the display page of the unbound insurance products.

[0140] like Figure 5 As shown in FIG. 1 , it is a schematic diagram of the operation of binding an insurance product to a target account. After the user operates the insurance product page entrance, he can jump to the insurance product page. The insurance product page displays information about insurance products provided by the trading platform, which may include information about unbound and / or bound insurance products, such as product name, insurance institution name, product fee, insurance type, etc.

[0141] Similarly, in order to distinguish between insurance products with the feature of early resource transfer and insurance products without the feature, a label of early resource transfer can be displayed in the corresponding area of ​​the insurance product with the feature of early resource transfer. The label of early resource transfer is used to indicate that when the claim eligibility of the insurance product is met, the electronic resources corresponding to the wealth management product can be transferred before the transfer deadline of the associated wealth management product arrives.

[0142] like Figure 5 As shown, the display page containing unbound insurance products can refer to Figure 5 In the page shown in the figure above, when displaying various insurance products, binding controls can be displayed in the corresponding areas of each insurance product. In this way, after operating each binding control, the insurance product can be bound to its own target account.

[0143] like Figure 5 As shown, the display page containing unbound insurance products can refer to Figure 5 The page shown in the upper right corner of the figure, the query operation can refer to the operation from the trading platform homepage to the display page of insurance product 2, or the operation from the insurance product list page to the display page of insurance product 2. For a specific insurance product, the display page of the insurance product can include detailed information about the financial product. If the insurance product is an insurance product with the feature of early resource transfer, the description of the feature of early resource transfer can also be displayed on the display page of the insurance product, such as Figure 5 The description of the "Resources can be transferred in advance" area on the display page of insurance product 2. If the user wants to know more detailed instructions, he can also operate the "Resources can be transferred in advance" area to enter the detailed explanation page of the resource advance transfer feature, on which detailed information such as how to obtain the resource advance transfer feature and instructions for use can be displayed.

[0144] like Figure 6 The figure shows a schematic diagram of a detailed explanation page of a resource advance transfer feature. The detailed explanation page of the resource advance transfer feature may include feature explanation information, instructions for use, and an entry for financial products associated with the above-mentioned insurance product. After operating the entry, the user can jump to the list page of financial products associated with the insurance product, and the user can select the desired financial product from it.

[0145] Step 402: The transaction platform client generates an insurance product binding request according to the operation performed on the binding control of the target insurance product.

[0146] In the embodiment of the present application, after the user operates the binding control corresponding to the target insurance product selected on the display page, the transaction platform client can obtain the user's operation and generate a corresponding insurance product binding request based on the operation.

[0147] like Figure 5 As shown, after the user operates the binding control on the display page of insurance product 2, the trading platform client can generate a corresponding insurance product binding request according to the user's operation.

[0148] Step 403: The trading platform client sends an insurance product binding request to the trading platform server.

[0149] Step 404: The transaction platform server forwards the insurance product binding request to the insurance platform server.

[0150] As the agent of the insurance product, the trading platform needs to initiate insurance with the insurance institution that provides the insurance product. Therefore, for the target insurance product selected by the user, the trading platform server can determine the insurance institution corresponding to the target insurance product, and then forward the insurance product binding request to the insurance platform server of the insurance institution.

[0151] Step 405: The insurance platform server returns the insurance product binding result to the transaction platform server.

[0152] Step 406: The transaction platform server queries whether the target account or an associated account of the target account is bound to a financial product associated with the target insurance product.

[0153] Step 407: If the determination result of step 407 is yes, the transaction platform server marks the electronic resources corresponding to the associated financial products as being related to the target insurance product.

[0154] In an embodiment of the present application, if the insurance product binding result returned by the insurance platform server indicates that the binding is successful, that is, the insurance is successful, then the transaction platform server can also query whether the target account has been bound to the wealth management product bound to the insurance product, or whether the associated account of the target account is bound to the wealth management product associated with the target insurance product. If it is bound, the transaction platform server can mark the electronic resources corresponding to the wealth management product with the resource advance transfer characteristic tag related to the target insurance product, so that when there is claim qualification for the target insurance product, the resource advance transfer entrance of the associated wealth management product can be opened.

[0155] Step 408: The transaction platform server returns the insurance product binding result to the transaction platform client.

[0156] Specifically, the trading platform server returns the insurance product binding result to the trading platform client based on the insurance product binding result returned by the insurance platform server. The insurance product binding result may carry indication information indicating the existence of an associated financial product and detailed information of the associated financial product.

[0157] In addition, if the trading platform server queries the target account or the associated account of the target account and is not bound to the wealth management product associated with the target insurance product, the trading platform server directly returns the insurance product binding result to the trading platform client, and the insurance product binding result can also carry indication information indicating that there is no associated wealth management product.

[0158] Step 409: The trading platform client displays prompt information according to the insurance product binding result.

[0159] After receiving the insurance product binding result, the trading platform client can determine whether the target insurance product binding is successful and whether there are any associated financial products based on the insurance product binding result, and then display it based on the determination result.

[0160] like Figure 5 As shown in the figure below, when the target account or associated account has been bound to a wealth management product associated with the target insurance product, the trading platform client can display a prompt message that when the claim eligibility of the target insurance product is met, the electronic resources corresponding to the associated wealth management product can be transferred before the transfer deadline of the associated wealth management product expires.

[0161] like Figure 5 As shown in the lower right figure, when the target account or associated account is not bound to the wealth management product associated with the target insurance product, the trading platform client can display a prompt to apply for the wealth management product.

[0162] After the user has bound both the insurance product and the financial product, the insurance product and the financial product can be linked for control. Figure 7 , which is a flow chart of the electronic resource transfer control method provided in an embodiment of the present application, the flow of the method is introduced as follows.

[0163] Step 701: The trading platform client displays a display page containing bound insurance products based on a query operation on the insurance products bound to the target account.

[0164] In the embodiment of the present application, when the target account has been bound to an insurance product but no claim has been filed, the information of the financial products associated with the insurance product can be viewed. It should be noted that the target account is mainly used as an example for explanation here, and the transfer control method of the associated account of the target account is similar, so it will not be repeated in detail.

[0165] Specifically, the user performs a query operation on the insurance products bound to the target account in the trading platform client, so that a display page containing bound insurance products is displayed in the trading platform client. For example, the user can operate any bound insurance product entry to view the insurance products bound to the user.

[0166] like Figure 8The figure shows an operation diagram for viewing bound insurance products and financial products. The user can enter the display page containing bound insurance products from the bound insurance product page entrance. The bound insurance product display page can display information of one or more bound insurance products, and the display page can include insurance products with the resource advance transfer feature and insurance products without the resource advance transfer feature. In order to distinguish them, the resource advance transfer feature label can be displayed in the corresponding area of ​​the insurance product with the resource advance transfer feature.

[0167] like Figure 8 As shown, the display page containing the bound insurance products may refer to Figure 8 In the page shown in the figure above, when displaying various insurance products, you can display the claim application control in the corresponding area of ​​each insurance product ( Figure 8 (not shown), in this way, you can apply for a claim after operating each claim application control.

[0168] like Figure 8 As shown, the display page containing unbound insurance products can also refer to Figure 3 If it is the page shown in the upper right corner, the query operation can refer to the operation from the "My" page to the "Bound Insurance Product 2" page, or it can refer to the operation from the "Purchased Insurance Products List" page to the "Bound Insurance Product 2" page.

[0169] For bound insurance products, the display page of the insurance product may include detailed information of the insurance product, such as product name, insurance institution name, coverage amount and coverage period, etc. In addition, it may also include a claim application control for the insurance product.

[0170] In addition, the display page of the insurance product may also include information about the financial products associated with the insurance product bound to the target account. In this way, according to the query operation performed by the user on the display page of the target insurance product, the display page of the financial products associated with the insurance product among the financial products bound to the target account may be displayed, and the display page of the financial products displays the product information of each financial product. Figure 8 The "Bound Insurance Product 2" page shown can display the total amount of electronic resources corresponding to the wealth management products associated with the insurance product. After the user operates the corresponding area of ​​the wealth management product, he can jump to the "Early Withdrawal of Equity Assets" page, where he can view a list of wealth management products associated with the insurance product.

[0171] In an embodiment of the present application, the display page of the wealth management product also displays an entrance to the display page of the wealth management product that is not bound to the target account. The user's query operation on the unbound wealth management product can be an operation on the display page entrance, and the trading platform client can display a display page containing unbound wealth management products in response to the operation. Each wealth management product and the binding controls corresponding to each wealth management product are displayed on the display page of the unbound wealth management product. The user can operate the binding controls of the wealth management product. In response to the operation, the trading platform client sends a wealth management product binding request to the trading platform server to implement the binding of the wealth management product.

[0172] like Figure 8 As shown in the figure, in the "Early Withdrawal of Equity Assets" page, there is an "Increase Assets" option, which can be used as the entrance to the display page of unbound financial products. After the user operates it, he can jump to the "Buy Financial Products" page, and then he can subscribe for the financial products associated with the above insurance products. The process involved in binding can be referred to above. Figure 4 Corresponding to the description of the embodiments section.

[0173] Step 702: The trading platform client sends a claim request to the trading platform server according to the operation performed on the claim application control corresponding to the target insurance product.

[0174] In the embodiment of the present application, when an event that falls within the liability of the insurance product occurs to the user, the user may apply for a claim for the insurance product.

[0175] Specifically, the user can operate the claim application control on the insurance product display page to send a claim request to the trading platform server. Figure 8 As shown, the user can operate the claim application control, and accordingly, the trading platform client responds to the operation and sends a claim request to the trading platform server.

[0176] Step 703: The transaction platform server forwards the claim request to the insurance platform server.

[0177] As the agent of the insurance product, the trading platform needs to initiate claims with the insurance institution that provides the insurance product. Therefore, for the target insurance product selected by the user, the trading platform server can determine the insurance institution corresponding to the target insurance product, and then forward the claim request to the insurance platform server of the insurance institution.

[0178] Step 704: The insurance agency reviews and confirms claim eligibility.

[0179] The insurance agency needs to review and confirm whether the time when the user applies for a claim falls within the scope of liability of the target insurance product. If it does, it means that the target account's claim qualification review has passed; otherwise, it means that the target account's claim qualification review has failed.

[0180] Step 705: The insurance platform server sends the review result to the transaction platform server.

[0181] After the insurance agency completes the review, it will update the policy information of the target insurance product of the target account and synchronize the policy information to the trading platform server. The policy information may include review results, policy status changes, and policy information changes.

[0182] Step 706: The transaction platform server determines whether the target account has been bound to the financial product associated with the target insurance product.

[0183] In an embodiment of the present application, a target insurance product with an advance resource transfer feature may correspond to an association pool, which is used to store the financial products associated with the target insurance product bound to the target account. Each financial product in the association pool may be marked with a resource advance transfer feature label related to the target insurance product. Therefore, the transaction platform server may determine whether the target account has been bound to the financial product associated with the target insurance product based on whether the association pool of the target insurance product has a financial product.

[0184] Step 707: If the determination result of step 706 is yes, the trading platform server opens an entry for early resource transfer.

[0185] Specifically, before the target insurance product applies for a claim and the claim is reviewed and approved, the resource advance transfer entrance of the target account is closed. When the claim qualification review of the target insurance product is passed, the resource advance transfer entrance can be opened so that users can freely withdraw the electronic resources corresponding to the wealth management product.

[0186] Step 708: The trading platform client displays the resource transfer control of the financial product.

[0187] In the trading platform client, if the target insurance product is associated with the wealth management product of the target account, the resource transfer control of the wealth management product can be displayed according to the indication of passing the claim qualification review returned by the trading platform server.

[0188] After the resource advance transfer entrance is opened, when the user again requests to display the information of the bound financial products associated with the target insurance product, the trading platform server returns the page data of the resource transfer control information to the trading platform client. Accordingly, the resource transfer control can be displayed in the trading platform client based on the page data.

[0189] like Fig. 9 As shown, this is a schematic diagram of the display page before and after the resource advance transfer entrance is opened. Before the resource advance transfer entrance is opened, the resource transfer control will not be displayed on the display page, or the resource transfer control will be hidden, or the resource transfer control will not be operable. After the resource advance transfer entrance is opened, the resource transfer control can be displayed, or the resource transfer control can be operated.

[0190] In an embodiment of the present application, when a user views the claim progress of a target insurance product in a trading platform client, the trading platform server returns a claim qualification review approval indication to the trading platform client to display the claim qualification review approval information on the trading platform client.

[0191] Step 709: According to the operation performed on the resource transfer control, the trading platform client sends an electronic resource transfer request to the trading platform server.

[0192] In the embodiment of the present application, after the resource advance transfer entrance is opened, the user can freely choose whether to transfer the electronic resources corresponding to the financial product in advance.

[0193] When a user wants to transfer resources, he or she can operate the resource transfer control to request that the electronic resources corresponding to the financial product be transferred to the electronic resource account specified by the target account before the transfer period of the financial product expires. Accordingly, the trading platform client can generate an electronic resource transfer request in response to the operation and send the electronic resource transfer request to the trading platform server.

[0194] Specifically, the trading platform client displays a resource transfer setting page based on the operation performed on the resource transfer control. The user can make settings on the setting page, such as setting information such as the financial products that need to be transferred and the number of electronic resources that need to be transferred for each financial product. Then, the trading platform client generates an electronic resource transfer request based on the setting operations performed on the resource transfer setting page, and sends the electronic resource transfer request to the trading platform server.

[0195] like Fig.10 The figure shows a schematic diagram of resource transfer operations. After the user operates the resource transfer control, the user can jump to the resource transfer setting page. In the resource transfer setting page, the user can set the financial products that need to transfer resources, the number of electronic resources to be transferred for each financial product, and the designated account to be transferred. After confirmation, the transfer application of electronic resources can be initiated.

[0196] Step 710: The transaction platform server sends an electronic resource transfer request to the asset management platform server.

[0197] After receiving the electronic resource transfer request sent by the trading platform client, the trading platform server synchronizes the resource advance transfer application and related information to the asset management platform server.

[0198] Step 711: The asset management platform server reviews and confirms whether resource transfer can be performed.

[0199] Step 712: The asset management platform server returns the review confirmation information to the trading platform server.

[0200] Step 713: The trading platform server initiates a resource transfer application to the asset management platform server.

[0201] When the asset management platform server verifies that the resource transfer can be carried out, it returns the review confirmation information indicating that the resource transfer can be carried out to the trading platform server, and then the trading platform server initiates a resource transfer application to the asset management platform server.

[0202] Step 714: The asset management platform server executes the resource transfer operation.

[0203] Step 715: The transaction platform server transfers the electronic resources to the designated account.

[0204] After receiving the resource transfer application, the asset management platform server can execute the resource transfer operation to transfer the electronic resources requested to be transferred from the target account to the designated account.

[0205] Specifically, generally speaking, the asset management platform server performs a resource transfer operation by transferring the electronic resources requested to be transferred to the financial management account of the trading platform, and then transferring the electronic resources from the financial management account of the trading platform to a designated private account.

[0206] Step 716: The trading platform client queries the electronic resource information.

[0207] Users can query electronic resource information, such as transfer progress or balance after transfer, through the trading platform client.

[0208] In an embodiment of the present application, the transaction platform server monitors changes in electronic resources corresponding to the financial products bound to the target account. When it is detected that the electronic resources corresponding to the financial products bound to the target account have changed, it is necessary to mark the electronic resources after the change of the financial products with a resource transfer indication tag.

[0209] If the electronic resources corresponding to the target account's financial products (here refers to the financial products associated with the target insurance products, i.e. financial products with the feature of early resource transfer) change, the electronic resources need to be dynamically marked. Specifically, it mainly involves the following possible situations:

[0210] 1. Before the user applies for a claim for the target insurance product

[0211] (1) When a user binds a new financial product, the corresponding electronic resources enter the association pool of the target insurance product and are tagged with a label (i.e., a resource advance transfer feature label).

[0212] (2) When the closed period of the financial product is reached, the label of the expired electronic resource is cancelled and the principal and interest are redeemed according to the normal process of the financial product.

[0213] 2. After the user applies for a claim for the target insurance product

[0214] (1) If the user does not apply for resource transfer, the electronic resources of the financial products associated with the target insurance product will be executed according to the normal closed cycle.

[0215] (2) If a user has applied for the transfer of some of the wealth management products’ assets, the electronic resources transferred in advance will be redeemed, and the assets that have not been applied for transfer will be processed according to the original closed cycle.

[0216] (3) If the user applies for the transfer of all financial assets, all of them will be redeemed early.

[0217] The specific implementation process is shown in the figure below. The background needs to dynamically mark the new subscription of the associated early withdrawal privilege assets by the user, or the expiration of the existing associated assets; and obtain the status of whether the user's claim application belongs to the insurance liability from the insurance company, open the user application portal, and review the application conditions; after confirmation, the asset management institution will conduct a review and execute the early redemption.

[0218] It should be noted that in the embodiment of the present application, the interaction between the server and the client is based on the user's target account. For example, when the server sends information to the client, it sends the information to the target account. When the client logs in to the target account, the client can receive the information through the target account.

[0219] In summary, the embodiment of the present application is based on the insurance product being in danger, and the insurance institution's review and confirmation that it is insurance liability is used as a connection condition, so that users can freely choose whether to redeem the financial products held in advance during the closed period and not expired for emergency use. The entire process does not require users to pay any additional costs. From the perspective of claims care, it solves the user's concerns about wanting high returns but worrying about not being able to respond to special circumstances, and provides users with a one-stop wealth management solution.

[0220] The embodiment of the present application uses insurance products to clearly trigger reasonable rules for early withdrawal. Under the premise of no additional cost to users, it not only lowers the psychological threshold for purchasing financial assets with a long closed period, but also provides more heartwarming emergency experience in addition to the compensation. It has a positive effect on the joint sales of diversified assets on the Wealth Management Platform, and also increases users' perception and stickiness based on the platform's technology for good.

[0221] See also Fig.11 Based on the same inventive concept, the present application embodiment further provides an electronic resource transfer control device 110, the device comprising:

[0222] The page display unit 1101 is used to display a display page containing bound insurance products according to a query operation on the insurance products bound to the target account, wherein the display page of the bound insurance products displays each insurance product and a claim application control corresponding to each insurance product;

[0223] The transceiver unit 1102 is used to send a claim request to the trading platform server according to the operation of the claim application control corresponding to the target insurance product;

[0224] The page display unit 1101 is further used to display the resource transfer control of the financial product according to the indication of passing the claim qualification review returned by the trading platform server when the target insurance product is associated with the financial product of the target account; wherein the indication of passing the claim qualification review is sent by the trading platform server according to the result of passing the claim qualification review returned by the insurance platform server after forwarding the claim request to the insurance platform server corresponding to the target insurance product;

[0225] The transceiver unit 1102 is also used to send an electronic resource transfer request to the trading platform server according to the operation of the resource transfer control, so as to request that the electronic resources corresponding to the financial product be transferred to the electronic resource account specified by the target account before the transfer period of the financial product expires.

[0226] Optional,

[0227] The page display unit 1101 is further used to display a display page containing unbound insurance products according to a query operation on unbound insurance products of the target account, wherein the display page of the unbound insurance products displays each insurance product and a binding control corresponding to each insurance product;

[0228] The transceiver unit 1102 is further used to send an insurance product binding request to the transaction platform server according to the operation performed on the binding control of the target insurance product;

[0229] The page display unit 1101 is further used to display a prompt message indicating that the electronic resources corresponding to the financial product can be transferred before the transfer period of the financial product is reached when the target account or an associated account of the target account has been bound to the financial product associated with the target insurance product, according to the indication of successful binding returned by the transaction platform server; or

[0230] The page display unit 1101 is also used to display a prompt message to apply for the financial product according to the successful binding indication returned by the transaction platform server when the target account is not bound to the financial product associated with the target insurance product.

[0231] Optional,

[0232] The page display unit 1101 is also used to display the display page of the wealth management products associated with the target insurance product among the wealth management products bound to the target account according to the query operation performed in the display page of the target insurance product, and the display page of the wealth management product displays the product information of each wealth management product.

[0233] Optional,

[0234] The page display unit 1101 is further used to display a display page containing unbound financial products according to a query operation on the unbound financial products of the target account, wherein the display page of the unbound financial products displays each financial product and a binding control corresponding to each financial product;

[0235] The transceiver unit 1102 is further configured to send a financial product binding request to the trading platform server according to the operation performed on the binding control of the target financial product;

[0236] The page display unit 1101 is further used to display a prompt message indicating that the electronic resources corresponding to the target financial product can be transferred before the transfer period of the target financial product is reached when the target account or the associated account has been bound to the insurance product associated with the target financial product, according to the indication of successful binding returned by the transaction platform server; or

[0237] The page display unit 1101 is also used to display a prompt message to apply for the insurance product according to the indication of successful binding returned by the transaction platform server when the target account is not bound to the insurance product associated with the target financial product.

[0238] Optional,

[0239] The page display unit 1101 is further used to display a display page containing unbound financial products according to a query operation performed on a display page entrance, wherein the display page of the unbound financial products displays each financial product and a binding control corresponding to each financial product;

[0240] The transceiver unit 1102 is further configured to send a financial product binding request to the trading platform server according to the operation performed on the binding control of the target financial product.

[0241] Optionally, the page display unit 1101 is further used for:

[0242] When an insurance product display page includes an insurance product with a resource advance transfer feature, a resource advance transfer feature label is displayed in the area corresponding to the insurance product with the resource advance transfer feature, and the resource advance transfer feature label is used to indicate that when the claim qualification of the insurance product is met, the electronic resources corresponding to the wealth management product can be transferred before the transfer period of the wealth management product associated with the insurance product expires; or,

[0243] When a wealth management product with the feature of early resource transfer is included in a display page of wealth management products, a resource early transfer feature label is displayed in an area corresponding to the wealth management product with the feature of early resource transfer.

[0244] Optionally, the transceiver unit 1102 is specifically configured to:

[0245] According to the operation performed on the resource transfer control, the resource transfer setting page is displayed;

[0246] Generate an electronic resource transfer request according to the setting operation performed in the resource transfer setting page; the electronic resource transfer request carries indication information indicating the selected financial products and the quantity of electronic resources to be transferred for each financial product;

[0247] Send an electronic resource transfer request to the trading platform server.

[0248] The device can be used to perform Figure 2 to Figure 10 The method shown in the embodiment shown is performed by the trading platform client. Therefore, the functions that can be realized by each functional module of the device can be referred to. Figure 2 to Figure 10 The description of the illustrated embodiment is not repeated in detail.

[0249] See also Fig.12 Based on the same inventive concept, the embodiment of the present application further provides an electronic resource transfer control device 120, the device comprising:

[0250] The claim processing unit 1201 is used to forward the claim request for the target insurance product bound to the target account to the insurance platform server corresponding to the target insurance product according to the claim request sent by the target account;

[0251] The page data transmission unit 1202 is used to return page data carrying instructions and resource transfer control information to the target account according to the instructions of claim qualification review passing returned by the insurance platform server; the resource transfer control is used to apply for transferring the electronic resources corresponding to the financial product to the electronic resource account specified by the target account before the transfer period of the financial product associated with the target insurance product expires;

[0252] The resource transfer processing unit 1203 is used to initiate a resource transfer application to the asset management platform server corresponding to the wealth management product according to the electronic resource transfer request triggered by the operation of the resource transfer control sent by the target account.

[0253] Optionally, the device further includes a receiving unit 1204 and an association marking unit 1205;

[0254] The receiving unit 1204 is configured to receive an insurance product binding request for a target insurance product sent by a target account;

[0255] The association marking unit 1205 is used to mark the electronic resources corresponding to the wealth management product with a resource early transfer characteristic label related to the target insurance product when it is determined that the target account or the associated account of the target account has been bound to the wealth management product associated with the target insurance product. The resource early transfer characteristic label is used to indicate that when the claim qualification of the target insurance product is met, the electronic resources corresponding to the wealth management product can be transferred before the transfer deadline of the wealth management product arrives.

[0256] Optional,

[0257] The receiving unit 1204 is further configured to receive a financial product binding request for a target financial product sent by a target account;

[0258] The association marking unit 1205 is also used to mark the electronic resources corresponding to the wealth management product with a resource early transfer characteristic label related to the insurance product when it is determined that the target account or the associated account of the target account has been bound to the insurance product associated with the target wealth management product. The resource early transfer characteristic label is used to indicate that when the claim qualification of the insurance product is met, the electronic resources corresponding to the target wealth management product can be transferred before the transfer deadline of the target wealth management product arrives.

[0259] Optional,

[0260] The association marking unit 1205 is further used to mark a resource transfer indication tag on the electronic resource after the financial product is changed when monitoring the electronic resource corresponding to the financial product bound to the target account.

[0261] The device can be used to perform Figure 2 to Figure 10 The method shown in the embodiment shown is performed by the trading platform server. Therefore, for the functions that can be realized by each functional module of the device, reference can be made to Figure 2 to Figure 10 The description of the illustrated embodiment is not repeated in detail.

[0262] Based on the same technical concept, the embodiment of the present application also provides a transfer control system for electronic resources, which includes a trading platform client, a trading platform server, an insurance platform server and an asset management platform server. Each device in the system is used to execute Figure 2 to Figure 10 The methods executed by the corresponding devices in the illustrated embodiments are as follows, and therefore, no further description is given of the functions that can be implemented by the devices of the system.

[0263] See also Fig.13 Based on the same technical concept, an embodiment of the present application also provides a computer device 130, which may include a memory 1301 and a processor 1302.

[0264] The memory 1301 is used to store computer programs executed by the processor 1302. The memory 1301 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application required for at least one function, etc.; the data storage area may store data created according to the use of the computer device, etc. The processor 1302 may be a central processing unit (CPU), or a digital processing unit, etc. The specific connection medium between the memory 1301 and the processor 1302 is not limited in the embodiments of the present application. The embodiments of the present application are Fig.13 In the embodiment, the memory 1301 and the processor 1302 are connected via a bus 1303. The bus 1303 is connected to the processor 1302 via a bus 1303. Fig.13 The connection between other components is shown by bold lines, and is not intended to be limiting. The bus 1303 can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Fig.13 Only one thick line is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0265] The memory 1301 may be a volatile memory, such as a random-access memory (RAM); the memory 1301 may also be a non-volatile memory, such as a read-only memory, a flash memory, a hard disk drive (HDD) or a solid-state drive (SSD), or the memory 1301 is any other medium that can be used to carry or store the desired program code in the form of instructions or data structures and can be accessed by a computer, but is not limited thereto. The memory 1301 may be a combination of the above memories.

[0266] The processor 1302 is used to execute the following when calling the computer program stored in the memory 1301: Figure 2 to Figure 10 The method executed by the trading platform client or the trading platform server in the illustrated embodiment.

[0267] In some possible implementations, various aspects of the method provided in the present application may also be implemented in the form of a program product, which includes a program code. When the program product is run on a computer device, the program code is used to enable the computer device to execute the steps of the method according to various exemplary embodiments of the present application described above in this specification. For example, the computer device may execute the steps shown in FIG. Figure 2 to Figure 10 The method executed by the trading platform client or the trading platform server in the illustrated embodiment.

[0268] It can be understood by those skilled in the art that all or part of the steps of the above-mentioned method embodiment can be completed by hardware related to program instructions, and the aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the steps of the above-mentioned method embodiment are executed; and the aforementioned storage medium includes: various media that can store program codes, such as mobile storage devices, read-only memory (ROM), random access memory (RAM), magnetic disks or optical disks. Alternatively, if the above-mentioned integrated unit of the present invention is implemented in the form of a software function module and sold or used as an independent product, it can also be stored in a computer-readable storage medium. Based on such an understanding, the technical solution of the embodiment of the present invention can be essentially or partly reflected in the form of a software product, which is stored in a storage medium and includes several instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to execute all or part of the methods described in various embodiments of the present invention. And the aforementioned storage medium includes: various media that can store program codes, such as mobile storage devices, ROM, RAM, magnetic disks or optical disks.

[0269] Although the preferred embodiments of the present application have been described, those skilled in the art may make additional changes and modifications to these embodiments once they have learned the basic creative concept. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications falling within the scope of the present application.

[0270] Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.

Claims

1. A method for controlling the transfer of electronic resources, characterized in that: The method comprises: According to the query operation of the insurance products bound to the target account, a display page containing the bound insurance products is displayed, wherein the display page of the bound insurance products displays each insurance product and a claim application control corresponding to each insurance product; Send a claim request to the trading platform server based on the operation of the claim application control corresponding to the target insurance product; When the target insurance product is associated with the financial product of the target account, the resource transfer control of the financial product is displayed according to the indication of passing the claim qualification review returned by the trading platform server; wherein the indication of passing the claim qualification review is sent by the trading platform server according to the result of passing the claim qualification review returned by the insurance platform server after forwarding the claim request to the insurance platform server corresponding to the target insurance product; According to the operation performed on the resource transfer control, an electronic resource transfer request is sent to the transaction platform server to request that the electronic resource corresponding to the financial product be transferred to the electronic resource account designated by the target account before the transfer period of the financial product expires.

2. The method according to claim 1, characterized in that Before displaying a product display page based on a query operation of the insurance products bound to the target account, the method further includes: According to the query operation of the insurance products that are not bound to the target account, a display page containing the unbound insurance products is displayed, wherein each insurance product and a binding control corresponding to each insurance product are displayed on the display page of the unbound insurance products; Sending an insurance product binding request to the transaction platform server according to the operation performed on the binding control of the target insurance product; When the target account or an associated account of the target account has been bound to a financial product associated with the target insurance product, according to the indication of successful binding returned by the transaction platform server, a prompt message is displayed indicating that when the claim settlement qualification of the target insurance product is met, the electronic resources corresponding to the financial product can be transferred before the transfer period of the financial product expires; or When the target account is not bound to the financial product associated with the target insurance product, a prompt message is displayed prompting to apply for the financial product according to the successful binding indication returned by the transaction platform server.

3. The method according to claim 1, characterized in that Before displaying the resource transfer control of the financial product according to the indication of claim qualification approval returned by the transaction platform server, the method further includes: According to the query operation performed on the display page of the target insurance product, the display page of the wealth management products associated with the target insurance product among the wealth management products bound to the target account is displayed, and the display page of the wealth management products displays the product information of each wealth management product.

4. The method according to claim 3, characterized in that The method further comprises: According to the query operation of the unbound financial products of the target account, a display page containing the unbound financial products is displayed, wherein each financial product and a binding control corresponding to each financial product are displayed on the display page of the unbound financial products; Sending a financial product binding request to the trading platform server according to the operation performed on the binding control of the target financial product; When the target account or the associated account has been bound to an insurance product associated with the target financial product, according to the indication of successful binding returned by the transaction platform server, a prompt message is displayed indicating that when the claim settlement qualification of the associated insurance product is met, the electronic resources corresponding to the target financial product can be transferred before the transfer period of the target financial product expires; or When the target account is not bound to the insurance product associated with the target financial product, a prompt message is displayed prompting to apply for the insurance product according to the successful binding indication returned by the transaction platform server.

5. The method according to claim 4, characterized in that The display page of the financial products also displays an entrance to the display page of the financial products that are not bound to the target account, and then according to the query operation of the financial products that are not bound to the target account, the display page containing the unbound financial products is displayed, including: According to the query operation performed on the display page entrance, a display page including unbound financial products is displayed, and the display page of the unbound financial products displays each financial product and a binding control corresponding to each financial product; According to the operation performed on the binding control of the target financial product, a financial product binding request is sent to the trading platform server.

6. The method according to claim 1, characterized in that The method further comprises: When an insurance product display page includes an insurance product with a resource advance transfer feature, a resource advance transfer feature label is displayed in a region corresponding to the insurance product with the resource advance transfer feature, and the resource advance transfer feature label is used to indicate that when the claim settlement qualification of the insurance product is met, the electronic resources corresponding to the wealth management product can be transferred before the transfer period of the wealth management product associated with the insurance product expires; or, When a wealth management product with the feature of early resource transfer is included in a display page of wealth management products, a resource early transfer feature label is displayed in an area corresponding to the wealth management product with the feature of early resource transfer.

7. The method according to claim 1, characterized in that The sending of the electronic resource transfer request to the transaction platform server according to the operation performed on the resource transfer control includes: Displaying a resource transfer setting page according to the operation performed on the resource transfer control; Generate an electronic resource transfer request according to the setting operation performed in the resource transfer setting page; the electronic resource transfer request carries indication information indicating the selected financial products and the quantity of electronic resources to be transferred for each financial product; The electronic resource transfer request is sent to the transaction platform server.

8. A method for controlling the transfer of electronic resources, characterized in that: The method comprises: According to a claim settlement request sent by a target account for a target insurance product bound to the target account, forwarding the claim settlement request to an insurance platform server corresponding to the target insurance product; According to the indication of claim qualification approval returned by the insurance platform server, page data carrying the indication and resource transfer control information is returned to the target account; the resource transfer control is used to apply for the transfer of the electronic resources corresponding to the financial product associated with the target insurance product to the electronic resource account specified by the target account before the transfer period of the financial product associated with the target insurance product expires; Based on the electronic resource transfer request triggered by the operation of the resource transfer control sent by the target account, a resource transfer application is initiated to the asset management platform server corresponding to the wealth management product.

9. The method according to claim 8, characterized in that The method further comprises: Receiving an insurance product binding request for a target insurance product sent by the target account; When it is determined that the target account or an associated account of the target account has been bound to the wealth management product associated with the target insurance product, the electronic resources corresponding to the wealth management product are marked with a resource early transfer characteristic label related to the target insurance product, and the resource early transfer characteristic label is used to indicate that when the claim qualification of the target insurance product is met, the electronic resources corresponding to the wealth management product can be transferred before the transfer deadline of the wealth management product expires.

10. The method according to claim 8, characterized in that The method further comprises: Receiving a financial product binding request for a target financial product sent by the target account; When it is determined that the target account or an associated account of the target account has been bound to the insurance product associated with the target wealth management product, the electronic resources corresponding to the wealth management product are marked with a resource early transfer characteristic label related to the insurance product, and the resource early transfer characteristic label is used to indicate that when the claim qualification of the insurance product is met, the electronic resources corresponding to the target wealth management product can be transferred before the transfer deadline of the target wealth management product expires.

11. The method according to claim 9 or 10, characterized in that The method further comprises: When it is monitored that the electronic resource corresponding to the financial product bound to the target account changes, the electronic resource after the change of the financial product is marked with the resource transfer indication label.

12. A transfer control device for electronic resources, characterized in that: The device comprises: A page display unit, configured to display a display page containing bound insurance products according to a query operation on the insurance products bound to the target account, wherein the display page of the bound insurance products displays each insurance product and a claim application control corresponding to each insurance product; A sending unit, configured to send a claim request to a trading platform server according to an operation performed on a claim application control corresponding to a target insurance product; The page display unit is further used to display the resource transfer control of the financial product according to the indication of passing the claim qualification review returned by the trading platform server when the target insurance product is associated with the financial product of the target account; wherein the indication of passing the claim qualification review is sent by the trading platform server according to the result of passing the claim qualification review returned by the insurance platform server after forwarding the claim request to the insurance platform server corresponding to the target insurance product; The sending unit is further used to send an electronic resource transfer request to the trading platform server according to the operation performed on the resource transfer control, so as to request that the electronic resources corresponding to the financial product be transferred to the electronic resource account specified by the target account before the transfer period of the financial product expires.

13. A transfer control device for electronic resources, characterized in that: The device comprises: A claim request unit, configured to forward a claim request for a target insurance product bound to the target account to an insurance platform server corresponding to the target insurance product according to the claim request sent by the target account; A page data transmission unit, used to return page data carrying the instruction and resource transfer control information to the target account according to the instruction of claim qualification review passed returned by the insurance platform server; the resource transfer control is used to apply for transferring the electronic resources corresponding to the financial product associated with the target insurance product to the electronic resource account specified by the target account before the transfer period of the financial product associated with the target insurance product expires; A resource transfer application unit is used to initiate a resource transfer application to the asset management platform server corresponding to the wealth management product according to an electronic resource transfer request triggered by an operation on the resource transfer control sent by the target account.

14. A computer 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 computer program, the steps of the method according to any one of claims 1 to 11 are implemented.

15. A computer storage medium having computer program instructions stored thereon, characterized in that: When the computer program instructions are executed by a processor, the steps of the method according to any one of claims 1 to 11 are implemented.

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