Cross-category transaction order processing method and device, and storage medium

Abstract

The invention discloses a cross-category transaction order processing method and device and a storage medium, and relates to the technical field of financial management, and the method comprises the steps: receiving a cross-category transaction order sent by a terminal device, and writing the cross-category transaction order into a database; splitting the cross-category transaction order into transaction instructions of different transaction categories, and sending each transaction instruction to a corresponding transaction system; and receiving a transaction result returned by the transaction system based on the transaction instruction, updating an order result of the cross-category transaction order in the database, and sending the order result to the terminal device. The objective of the invention is to simplify order placing operation of cross-category products.

Description

Technical Field

[0001] The present application relates to the field of financial management technology, and in particular to a method, device and storage medium for processing cross-category transaction orders. Background Art

[0002] One-click ordering is a convenient way to trade. Users can automatically place orders for multiple transactions with simple operations, such as clicking a button.

[0003] In related technologies, the one-click order function is limited to investment and financial products of the same type. Taking fund trading as an example, users can easily purchase in batches by opening the fund trading system, selecting multiple fund products on the trading page, and setting the corresponding transaction amount.

[0004] However, when investment consultants, account managers and other staff recommend multiple categories of products to clients, since each category of products corresponds to a different trading system, users can only switch frequently between these trading systems, which increases the complexity of operations.

[0005] The above contents are only used to assist in understanding the technical solution of the present application and do not constitute an admission that the above contents are prior art. Summary of the invention

[0006] The main purpose of this application is to provide a method, device and storage medium for processing cross-category transaction orders, aiming to solve the technical problem of complex ordering operations for multi-category products.

[0007] To achieve the above purpose, the present application proposes a method for processing cross-category transaction orders, which is applied to an order placement system, wherein one side of the order placement system is communicatively connected to a terminal device, and the other side of the order placement system is communicatively connected to at least two transaction systems, and the method includes:

[0008] Receiving the cross-category transaction order sent by the terminal device, and writing the cross-category transaction order into a database;

[0009] Splitting the cross-category transaction order into transaction instructions of different transaction categories, and sending each of the transaction instructions to a corresponding transaction system;

[0010] Receive the transaction result returned by the transaction system based on the transaction instruction, update the order result of the cross-category transaction order in the database, and send the order result to the terminal device.

[0011] In one embodiment, before the step of receiving the cross-category transaction order sent by the terminal device and writing the cross-category transaction order into the database, the step further includes:

[0012] Receiving a transaction list order request sent by the terminal device;

[0013] Extracting the transaction category and pre-check information from the transaction list order request, and sending the pre-check information to the transaction system corresponding to the transaction category;

[0014] The check result returned by the transaction system based on the pre-check information is received, and forwarded to the terminal device.

[0015] In one embodiment, the check result includes a user level check result, a transaction amount check result and a transaction product check result. After the step of receiving the check result returned by the transaction system based on the pre-check information and forwarding it to the terminal device, the step further includes:

[0016] If the user level check result, the transaction amount check result and the transaction product check result are all passed, the steps of receiving the cross-category transaction order sent by the terminal device and writing the cross-category transaction order into the database are performed.

[0017] In one embodiment, after the step of receiving the transaction result returned by the transaction system based on the transaction instruction, the method further includes:

[0018] If the transaction result is unknown, a query result request is sent to the transaction system after a preset time;

[0019] If the transaction result is success or failure, the step of updating the order result of the cross-category transaction order in the database and sending the order result to the terminal device is performed.

[0020] In one embodiment, the step of splitting the cross-category transaction order into transaction instructions of different transaction categories includes:

[0021] Splitting the cross-category transaction order into several order items;

[0022] Matching the order item with regular expressions of different transaction categories, and determining the transaction category to which the order item belongs according to the matching result;

[0023] Fill the order item into the transaction instruction template associated with the transaction category to obtain the corresponding transaction instruction.

[0024] In one embodiment, after the step of splitting the cross-category transaction order into transaction instructions of different transaction categories, the method further includes:

[0025] Determine the handling fee rate corresponding to the transaction instruction according to the number of the transaction categories;

[0026] The handling fee rate is written into the transaction instruction.

[0027] To achieve the above purpose, the present application proposes a method for processing cross-category transaction orders, which is applied to a terminal device, wherein the terminal device is communicatively connected to an order placement system, and the method comprises:

[0028] When a user's selection operation is detected, a cross-category transaction order is generated based on the selection operation, and the cross-category transaction order is sent to the order placement system;

[0029] Receive an order result returned by the order placement system based on the cross-category transaction order.

[0030] In one embodiment, before the step of generating a cross-category transaction order based on the selected operation and sending the cross-category transaction order to the order placement system, the step further includes:

[0031] Generate a transaction list order request based on the selected operation, and send the transaction list order request to the order placement system;

[0032] Receiving a check result returned by the order placing system based on the order placing request of the transaction list;

[0033] If the check result is passed, a password reminder is displayed;

[0034] When the password input operation of the user is detected, the steps of generating a cross-category transaction order based on the selected operation and sending the cross-category transaction order to the order placement system are performed.

[0035] In addition, to achieve the above-mentioned objectives, the present application also proposes a device for processing cross-category transaction orders, the device comprising: a memory, a processor, and a computer program stored on the memory and executable on the processor, the computer program being configured to implement the steps of the method for processing cross-category transaction orders as described above.

[0036] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by the processor, the steps of the method for processing cross-category transaction orders as described above are implemented.

[0037] One or more technical solutions proposed in this application have at least the following technical effects:

[0038] On the user side, when users want to purchase financial products of multiple categories, they do not need to access multiple trading systems separately. They only need to place a cross-category trading order to purchase multiple categories, thereby simplifying the ordering operation. Moreover, considering that different categories have different trading rules, price mechanisms or processing procedures, this solution splits cross-category trading orders into trading instructions for different trading categories and sends them to the corresponding trading systems respectively. This split processing method greatly improves the flexibility and scalability of the system and ensures that each category can be processed in the best way. In addition, throughout the entire process, the ordering system will store and update in a timely manner and send the order results to the user, which will help with subsequent records and audits and reduce the risk of data loss. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0040] 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, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0041] Figure 1 A flowchart diagram of the first embodiment of the method for processing cross-category transaction orders of this application;

[0042] Figure 2 An interactive schematic diagram provided for Embodiment 1 of the method for processing cross-category transaction orders of this application;

[0043] Figure 3 A flowchart diagram of the second embodiment of the method for processing cross-category transaction orders of this application;

[0044] Figure 4 A flowchart diagram of the third embodiment of the method for processing cross-category transaction orders of this application;

[0045] Figure 5 A flowchart diagram of a fourth embodiment of a method for processing a cross-category transaction order of the present application;

[0046] Figure 6 A flowchart diagram of Embodiment 5 of the method for processing cross-category transaction orders of this application;

[0047] Figure 7 A flowchart diagram of Embodiment 6 of the method for processing cross-category transaction orders of this application;

[0048] Figure 8This is a complete interactive diagram of the method for processing cross-category transaction orders for this application;

[0049] Fig. 9 This is a schematic diagram of the device structure of the hardware operating environment involved in the method for processing cross-category transaction orders in the embodiment of the present application.

[0050] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0051] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0052] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0053] The main solution of the embodiment of the present application is: receiving a cross-category transaction order sent by the terminal device, and writing the cross-category transaction order into a database; splitting the cross-category transaction order into transaction instructions of different transaction categories, and sending each transaction instruction to a corresponding transaction system; receiving the transaction result returned by the transaction system based on the transaction instruction, updating the order result of the cross-category transaction order in the database, and sending the order result to the terminal device.

[0054] In the related art, the one-click order function is limited to the same type of investment and financial products. When investment consultants, account managers and other staff recommend multiple categories of products to customers, since each category of products corresponds to a different trading system, users can only switch frequently between these trading systems, which increases the complexity of the operation.

[0055] To solve the above problems, this application provides a solution that allows users to initiate cross-category transaction orders through terminal devices. When the ordering system receives the cross-category transaction order, it will split it into transaction instructions for different transaction categories and then send it to the corresponding transaction system. From the user side, only one cross-category transaction order needs to be initiated to purchase products of multiple categories, thereby simplifying the ordering operation.

[0056] It should be noted that the execution subject of this solution can be a computing service device with data processing, network communication and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or a cross-category transaction order processing device that can realize the above functions, etc. The following embodiments are described below using a cross-category transaction order processing device as an example.

[0057] This application embodiment provides a method for processing a cross-category transaction order. Figure 1 , Figure 1 This is a flow chart of the first embodiment of the method for processing cross-category transaction orders of the present application.

[0058] In this embodiment, the method for processing cross-category transaction orders includes steps S10 to S30:

[0059] Step S10, receiving the cross-category transaction order sent by the terminal device, and writing the cross-category transaction order into the database;

[0060] It should be noted that the order placement system is an integrated trading platform that aims to provide a user-friendly interface and a simplified trading process; the terminal device is the device used by the user to input and receive information, including but not limited to computers, mobile phones, etc.; the trading system is a system for handling specific transactions. Each trading system corresponds to a trading category, including but not limited to funds, wealth management, deposits, gold, etc., as described below:

[0061] Fund: A fund is an investment tool that is managed by a professional fund manager and pools the funds of many investors. The characteristic of a fund is that it can be invested in a variety of assets such as stocks and bonds, which reduces the risk of a single investment. The income of a fund depends on the investment ability of the fund manager, which is volatile and may have gains or losses. Funds are divided into stock funds, bond funds, mixed funds, money market funds and other types, with different risks and returns.

[0062] Wealth management products: Wealth management products are issued by banks and usually invest in bonds, money market instruments, non-standard debts, etc. The risk is relatively low, but the returns are relatively fixed. Wealth management products are divided into closed-end and open-end. Closed-end products cannot be redeemed within a specified period, while open-end products can be bought and sold at any time. The returns of wealth management products are usually higher than ordinary deposits, but the principal is not guaranteed to be safe.

[0063] Gold: Gold investment is to buy physical gold, paper gold or gold ETFs as a tool for hedging and preserving value. The price of gold is affected by factors such as global market supply and demand, economic environment, and monetary policy. Its value is relatively stable, but it also fluctuates, making it suitable for long-term investment. Physical gold has storage problems, while paper gold and gold ETFs are more convenient to trade.

[0064] Deposits: Bank deposits are the most basic way of financial management, with extremely low risk and guaranteed principal. In China, deposits below 500,000 yuan are protected by deposit insurance. Deposits are divided into demand deposits and time deposits. Demand deposits can be deposited and withdrawn at any time, but the interest rate is low; time deposits have higher interest rates, but the funds must not be used within a certain period of time. The income from deposits is fixed and is not affected by market fluctuations.

[0065] It should be noted that the order placement system is the core of the cross-category transaction order processing flow. On the one hand, it communicates with the terminal device to receive user input from the terminal device and send order results to the terminal device; on the other hand, it communicates with at least two trading systems to realize transactions of different financial products.

[0066] When a user wants to conduct multi-category transactions, such as buying a portion of funds, making some financial investments, opening a time deposit account, and buying a small amount of gold, the user will make the selection through the browser or APP (Application) on the terminal device. Accordingly, the terminal device will add the user's selected information to the preset order data structure in sequence, and assign different transaction IDs to each order item when adding, and generate a complete cross-category transaction order after aggregation, and assign a set ID (Identity document) to the order to play an identification role, such as Figure 2 shown.

[0067] For example, a complete cross-category transaction order is summarized as follows:

[0068] Set ID: ORDER20230915

[0069] Order Item 1: Transaction ID FUND123, Fund, Total Price 1000 Yuan

[0070] Order Item 2: Transaction ID FINANCE456, financial management, total price 5,000 yuan

[0071] Order Item 3: Transaction ID GOLD789, gold, total price 800 yuan

[0072] Furthermore, the terminal device will send the cross-category transaction order to the relevant API (Application Programming Interface) of the order placement system.

[0073] The server of the ordering system listens to the preset API. When receiving a cross-category transaction order from a terminal device, the server will parse the cross-category transaction order and convert the submitted JSON or XML format data into an operable data structure. Then the cross-category transaction order is verified to ensure that all necessary fields exist and are in the correct format, or to ensure that the user has the corresponding permissions, etc. After the verification is passed, the server will perform database operations: according to the transaction ID, the cross-category transaction order is divided into multiple order items, each of which is an independent entry containing product details; a new transaction record is created for each order item, containing order details, such as set number ID, transaction ID, product information, transaction amount, user information, etc., and then the transaction record is stored in the database.

[0074] Step S20, splitting the cross-category transaction order into transaction instructions of different transaction categories, and sending each of the transaction instructions to a corresponding transaction system;

[0075] Since different categories of financial products are usually affected by different trading rules, risk control, market fluctuations and other factors, and they may be processed by different trading systems, it is necessary to split cross-category trading orders into multiple independent trading instructions. Each trading instruction is only for one category of products and contains detailed trading information of the category of products.

[0076] It is known that the transaction ID is a unique identifier for each transaction. Through the transaction ID, each order item can be clearly identified and tracked. Therefore, based on the transaction ID, the cross-category transaction order is divided into several independent order items.

[0077] Then, identify the transaction category to which each order item belongs.

[0078] For example, a direct mapping method is adopted. If the order item contains the word "fund", the current order item is classified as a fund; if the order item contains "financial management", it is classified as financial management; if the order item contains "deposit", it is classified as deposit; if the order item contains "gold", it is classified as gold.

[0079] Exemplarily, a rule matching method is adopted. A keyword library is defined in advance for each category, which contains keywords, phrases or patterns that can represent the characteristics of the category. For example, the keywords of funds include "funds", "public funds", "private equity funds", "index funds", etc.; the keywords of wealth management include "wealth management products", "regular wealth management", "structured deposits", etc.; the keywords of deposits include "regular deposits", "demand deposits", "savings deposits", etc.; the keywords of gold include "gold", "gold bars", "gold coins", "Au9999", etc.

[0080] Next, for each category’s keyword library, design a corresponding regular expression that can accurately match specific patterns in the text; alternatively, you can design a corresponding pattern that is more flexible in pattern matching and allows a certain degree of text variation.

[0081] Thus, in actual application, recognition is performed according to the following algorithm:

[0082] Traverse the fields related to product information in the order item;

[0083] For all fields, use the regular expression of each category to match in turn;

[0084] If the regular expression of a category successfully matches the field, the order item is classified as this category;

[0085] If all fields match the regular expressions of multiple categories, additional logic may be needed to determine the final category, for example, by prioritizing, further analyzing the description content, etc.

[0086] If all fields do not match the regular expression for any category, the line item may need to be marked as "unknown" or "unrecognized" and may require manual intervention.

[0087] It is understandable that direct mapping can usually only match based on fixed keywords, while regular expressions can define more flexible and complex matching rules as needed. This means that when product information changes or new categories need to be added, it is easier to adjust the matching rules using regular expressions, which enables regular expressions to more accurately identify product information and reduce misclassification.

[0088] Furthermore, a general transaction instruction template is defined, which includes fields such as transaction ID, transaction category, product information, transaction amount, user information, etc. For each order item, specific content information is filled in according to the template structure to generate the corresponding transaction instruction.

[0089] Furthermore, the transaction instructions are sent to the corresponding transaction system through API calls, message queues or other communication methods. Figure 2 , send fund trading instructions to the fund trading system, send wealth management trading instructions to the wealth management trading system, send gold trading instructions to the gold trading system, and send deposit trading instructions to the deposit trading system.

[0090] Step S30, receiving the transaction result returned by the transaction system based on the transaction instruction, updating the order result of the cross-category transaction order in the database, and sending the order result to the terminal device.

[0091] After sending the trading instruction, the order placing system needs to continuously monitor the response from the trading system. This is usually achieved through HTTP (HyperText Transfer Protocol) callback, WebSocket message, message queue, etc.

[0092] When receiving the response from the trading system, the order placing system will parse the response content to obtain the transaction result. Optionally, the transaction result includes three states: success, failure and unknown.

[0093] If the received transaction result is unknown, it means that the transaction process of the trading system has not been completed, which may be due to network delays, system busyness or other reasons. In this case, the order placing system will send a query request to the trading system after a preset time, such as a few seconds or minutes, to obtain a clearer transaction status.

[0094] If the received transaction result is success or failure, you can perform the following operations:

[0095] According to the transaction ID in the transaction result, the corresponding transaction record is located in the database, and the status of the transaction record is updated according to the transaction result. For example, if the fund transaction is successful, the status of the corresponding transaction record is updated to "completed", and if the fund transaction fails, the status of the corresponding transaction record is updated to "failed" and the reason for the failure is recorded.

[0096] Similarly, the status of all transaction records corresponding to the cross-category transaction orders is updated, and the order results are summarized and generated.

[0097] Furthermore, a notification message is constructed based on the order result, and the message content should include the transaction ID, product information, update status, etc. When a query request sent by a terminal device is received, the constructed notification message is sent to the terminal device through a selected notification method, such as in-app notification, SMS, email, etc.

[0098] This embodiment provides a method for processing cross-category transaction orders. On the user side, when a user wants to purchase financial products of multiple categories, he does not need to access multiple trading systems separately. He only needs to place a cross-category transaction order to purchase multiple categories, thereby simplifying the order operation. Moreover, considering that different categories have different trading rules, price mechanisms or processing procedures, this solution splits the cross-category transaction order into transaction instructions for different transaction categories, and sends them to the corresponding transaction systems respectively. This split processing method greatly improves the flexibility and scalability of the system, and ensures that each category can be processed in the best way. In addition, throughout the entire process, the order system will store and update in a timely manner, and send the order results to the user, which will help with subsequent records and audits and reduce the risk of data loss.

[0099] Based on the first embodiment of the present application, in the second embodiment of the present application, the same or similar contents as those in the above-mentioned embodiment 1 can refer to the above introduction, and will not be repeated later. Figure 3 Before step S10, the method for processing cross-category transaction orders further includes steps A10 to A30:

[0100] Step A10, receiving a transaction list order request sent by the terminal device;

[0101] Step A20, extracting the transaction category and pre-check information from the transaction list order request, and sending the pre-check information to the transaction system corresponding to the transaction category;

[0102] Step A30: receiving the inspection result returned by the transaction system based on the pre-inspection information, and forwarding it to the terminal device.

[0103] In this embodiment, before the formal transaction stage, a pre-check stage is set up, that is, a series of checks are set up to analyze the validity, compliance and executability of the order.

[0104] The user selects multiple products of different categories and confirms the order amount on the mobile banking APP, and clicks the "Settlement" or "One-click Order" button. It should be noted that the password input box will not pop up at this time to restrict the user from entering the password.

[0105] Correspondingly, the terminal device will generate a transaction list order request based on the information selected by the user, and send the transaction list order request to the order system. The specific principle is the same as that of the first embodiment and will not be elaborated here.

[0106] When the order placing system receives the transaction list order placing request sent by the terminal device, on the one hand, the transaction category is extracted from it, and the specific principle is the same as the first embodiment; on the other hand, the pre-check information is extracted from it, which may involve dimensions such as customer information, product information and transaction amount. Among them, customer information may include customer ID, account number, customer reputation level, etc., product information may include product ID, name, product risk level, etc., and the transaction amount is the transaction amount entered by the user in the APP.

[0107] Furthermore, based on the extracted transaction category information, the order placing system determines to which trading system the pre-check information should be sent, and then sends the pre-check information to the corresponding trading system through HTTP callback, WebSocket message, message queue, etc.

[0108] For example, extract the fund order item and the pre-check information required for fund trading from the order request in the transaction list, and then send the pre-check information to the fund trading system. Similarly, extract the pre-check information required for financial management trading and send it to the financial management trading system.

[0109] Accordingly, after receiving the pre-check information, the trading system will perform a series of operations according to its internal pre-check rules. These operations are aimed at verifying the legitimacy of the transaction, assessing the risk, and ensuring that the transaction complies with system requirements and regulatory regulations.

[0110] In a feasible implementation, the transaction system adopts a primary check method, that is, only verifying the validity of information such as customer ID and account number to ensure the authenticity of customer identity and the normality of account status.

[0111] In another feasible implementation, the trading system adopts an advanced inspection method to detect from multiple dimensions, and sets the following inspection points:

[0112] Matching reputation level with risk level: Set rules to determine whether the customer’s reputation level matches the risk level of the selected product.

[0113] Transaction amount limit: Set rules to check whether the transaction amount entered by the user is within the transaction limit set by the product.

[0114] Transaction status check: Check whether the product is tradable, such as whether it is in a suspended trading state.

[0115] It is understandable that the primary inspection method has fewer checkpoints and relatively low resource consumption, which helps to improve the overall processing capacity and response speed of the system; while the advanced inspection method emphasizes security and risk control, and is suitable for trading environments that require strict risk management and compliance review. It can more comprehensively assess customers' trading capabilities and risk tolerance and achieve refined customer management.

[0116] Once the check result is received from the trading system, the order placing system will forward it to the terminal device so that the user can know the status of his trading request in time.

[0117] For example, if the trading system uses an advanced checking method, that is, checking the user level, transaction amount and transaction product, then the order placement system will receive the user level check result, transaction amount check result and transaction product check result accordingly, and then forward them to the terminal device.

[0118] In one embodiment, the check result of the trading system is set as auxiliary reference information. This means that even if the check result fails, the user still retains the right to continue placing an order. This setting gives users greater autonomy, allowing them to decide whether to proceed with the transaction process on their own, while understanding the potential risks.

[0119] In another more stringent implementation, the inspection results of the trading system are given mandatory binding force. Specifically, if the inspection results fail, the terminal device will automatically prevent the user from placing an order; only when the inspection results pass can the user enter the password on the interface, which will trigger the generation process of cross-category transaction orders, marking the entry into the formal transaction stage. This model effectively improves the security and compliance of the transaction process by strengthening the authority of the inspection results.

[0120] This embodiment provides a method for processing cross-category transaction orders. Before the formal transaction stage, a pre-inspection stage is set. Such a setting can identify and prevent potential high-risk transactions in advance, thereby effectively reducing the occurrence of risk events such as fraud, excessive transactions, and illegal transactions, and protecting the security of users and transaction systems.

[0121] Based on the first embodiment of the present application, in the third embodiment of the present application, the same or similar contents as those in the first embodiment can be referred to the above description, and will not be described in detail later. Figure 4 After the step of splitting the cross-category transaction order into transaction instructions of different transaction categories, steps B10 to B20 are also included:

[0122] Step B10, determining the handling fee rate corresponding to the transaction instruction according to the number of the transaction categories;

[0123] Step B20, writing the handling fee rate into the transaction instruction.

[0124] This embodiment determines the preferential scheme of the handling fee rate according to the number of transaction categories, and aims to encourage customers to diversify their transaction categories to enjoy lower handling fee rates.

[0125] Optionally, a database table of handling fee rates is created in advance, which contains handling fee rates corresponding to different types and quantities. For example: 1 type - handling fee rate X1; 2 types - handling fee rate X2; 3 types - handling fee rate X3.

[0126] Count the number of transaction categories in the cross-category transaction order, such as 3. Based on the aforementioned database table, determine the applicable handling fee rate for the transaction instruction, such as X3.

[0127] Write the determined commission rate into the transaction instruction in an appropriate manner. This can be achieved by modifying a field in the transaction instruction, such as adding a "commission rate" field and setting its value to the calculated commission rate.

[0128] This embodiment provides a method for processing cross-category transaction orders, where the order placement system can automatically and dynamically adjust the handling fee rate according to the number of customer transaction categories, thereby encouraging customers to diversify their transaction categories and enjoy lower handling fee rates. This not only improves customer satisfaction and loyalty, but also promotes the sales of financial products and capital flow.

[0129] Based on the first embodiment of the present application, in the fourth embodiment of the present application, the same or similar contents as those in the first embodiment can refer to the above description, and will not be described in detail later. Figure 5 The step of splitting the cross-category transaction order into transaction instructions of different transaction categories further includes steps C10 to C30:

[0130] Step C10: if the cross-category transaction order includes an automatic configuration order item, extracting user information and transaction amount from the automatic configuration order item;

[0131] Step C20, searching the database for transaction records corresponding to the user information, and configuring the transaction amount according to the transaction records to obtain an investment portfolio;

[0132] Step C30, splitting the investment portfolio into the trading instructions of different trading categories.

[0133] This embodiment supports automatic configuration of trading plans, that is, users only need to enter a total investment amount, without manually selecting specific investment products and configuring the proportions of each part of the investment portfolio, and the order system will automatically generate a trading plan. In this way, the complex process of manual selection by users can be omitted, making investment easier and faster.

[0134] Optionally, after dividing the cross-category transaction order into multiple order items according to the transaction ID, if a certain order item does not include specific product information, then the order item is determined to be an automatic configuration order item, and the user information and transaction amount therein are further extracted.

[0135] Furthermore, the extracted user information is used as a query condition to search for corresponding transaction records from the database.

[0136] Obtain information such as investment categories, historical performance, risk preferences, etc. from transaction records, and allocate transaction amounts based on this information to obtain an appropriate investment portfolio.

[0137] In a feasible implementation, the amounts of all transactions of the user are accumulated to obtain a total transaction amount. The proportion of the transaction amount of each transaction category in the total transaction amount is calculated, and the specific amount of each transaction category is calculated to generate an investment portfolio.

[0138] In another feasible implementation, by analyzing the user's transaction records, investment goals and constraints are preliminarily set, where the investment goals include but are not limited to annualized rate of return, risk level, etc., and the constraints include but are not limited to maximum loss ratio, investment period, etc.

[0139] For example, a reasonable annualized rate of return is set based on the historical return data in the transaction records; the risk level that the user can accept is determined based on the historical volatility and maximum drawdown, which may be classified into high, medium, and low risk levels; the maximum loss in the transaction records is analyzed, and an acceptable maximum loss ratio is set to prevent excessive losses; based on the user's trading cycle, the ratio of short-term and long-term transactions is analyzed, and a suitable investment period is set.

[0140] In addition, the latest market data is obtained from authoritative market databases or financial data platforms, including key information such as historical prices, trading volumes, market capitalization, and dividend records of each trading category. Daily, weekly, or monthly yield data of each trading category over a period of time, such as one year, three years, or five years, is selected, and then the average of these data is calculated to obtain the historical average yield of each trading category as the expected yield.

[0141] At this point, we can use the numerical optimization algorithm to calculate the optimal configuration weights. The specific steps are as follows:

[0142] Numerical optimization algorithms consider using numerical optimization algorithms, such as linear programming, nonlinear programming, genetic algorithms or simulated annealing.

[0143] Define the objective function: Consider minimizing the risk of the portfolio or maximizing the rate of return. Specifically, the Sharpe ratio is used as the objective function, which is the ratio of rate of return to risk.

[0144] Set constraints: Add the maximum loss ratio, investment period, etc. as constraints to the model.

[0145] Initialize variables: Assign an initial configuration weight to each trading category. These weights will serve as the starting point for the optimization algorithm. For details, please refer to the historical weights in the transaction records.

[0146] Input the model into the selected numerical optimization algorithm and execute the optimization process. The algorithm will automatically adjust the configuration weights of each trading category to optimize the objective function while satisfying the constraints.

[0147] Check the output of the optimization algorithm and analyze the optimal configuration weights for each trading category.

[0148] Finally, multiply the optimal configuration weight of each trading category by the transaction amount to obtain the transaction amount required for each trading category, and summarize them to obtain the investment portfolio.

[0149] It is understandable that the former implementation method does not require complex data analysis or algorithm processing, and is suitable for quickly generating investment portfolios to meet short-term investment needs; while the latter implementation method uses a numerical optimization algorithm to comprehensively consider multiple factors such as investment objectives, constraints and expected returns to determine the optimal configuration weights. This method is more scientific and accurate and can find the optimal investment portfolio in a complex market environment.

[0150] This application embodiment provides a method for processing a cross-category transaction order. Figure 6 , Figure 6 This is a flow chart of the fifth embodiment of the method for processing cross-category transaction orders of the present application.

[0151] In this embodiment, the method for processing cross-category transaction orders includes steps D10 to D20:

[0152] Step D10, when a user's selection operation is detected, a cross-category transaction order is generated based on the selection operation, and the cross-category transaction order is sent to the order placement system;

[0153] Step D20, receiving the order result returned by the order placement system based on the cross-category transaction order.

[0154] When a user wants to conduct multi-category transactions, such as purchasing a portion of funds, making some financial investments, opening a time deposit account, and purchasing a small amount of gold, the following process can be followed:

[0155] Users access related services through the browser or APP on the terminal device, such as selecting multiple products of different categories on the mobile banking APP, filling in the amount to be ordered, and then clicking the "Settlement" or "One-click Order" button and entering the password.

[0156] Accordingly, after detecting the user's selection operation, the terminal device will add the user's selected information to the preset order data structure in sequence, and assign different transaction IDs to each order item when adding, and generate a complete cross-category transaction order after aggregation, and assign a set ID to the order to play an identification role, such as Figure 2 shown.

[0157] Furthermore, the terminal device can format the cross-category transaction order into a standard data format, such as JSON or XML, to facilitate subsequent network transmission. Then, the formatted cross-category transaction order is sent as a request body to a related API of the order placement system.

[0158] After receiving the cross-category transaction order, the order placing system will split it into transaction instructions of different transaction categories and send it to the corresponding transaction system for transaction. Then, it will receive the transaction results returned by the transaction system, summarize the order results and send them. In this way, the terminal device can receive the order results returned by the order placing system based on the cross-category transaction order.

[0159] This embodiment provides a method for processing cross-category transaction orders. From the user side, when a user wants to purchase financial products of multiple categories, he does not need to access multiple transaction systems separately. He only needs to place a cross-category transaction order to purchase multiple categories, thereby simplifying the order operation.

[0160] Based on the fifth embodiment of the present application, in the sixth embodiment of the present application, the same or similar contents as those in the fifth embodiment can be referred to the above description, and will not be described in detail later. Figure 7 Before the step of generating a cross-category transaction order based on the selected operation and sending the cross-category transaction order to the order placement system, the method further includes steps E10 to E40:

[0161] Step E10, generating a transaction list order request based on the selected operation, and sending the transaction list order request to the order placement system;

[0162] Step E20, receiving the check result returned by the order placing system based on the order placing request of the transaction list;

[0163] Step E30, if the check result passes, display a password reminder;

[0164] Step E40, when the password input operation of the user is detected, the step of generating a cross-category transaction order based on the selected operation and sending the cross-category transaction order to the order placement system is executed.

[0165] In this embodiment, a pre-checking stage is provided before the formal transaction stage.

[0166] After the terminal device detects the user's selection operation, it will first generate a transaction list order request and send the transaction list order request to the order system. The specific principle is the same as the fifth embodiment and will not be repeated here. It can be understood that the content of the transaction list order request can be the same as or different from the content of the aforementioned cross-category transaction order, which is not specifically limited here.

[0167] After receiving the order request from the trading list, the order placing system will send pre-check information to the corresponding trading system, and then receive the check results returned by the trading system, summarize them and send them to the terminal device. In this way, the terminal device can receive the check results returned by the order placing system based on the order request from the trading list.

[0168] If the check result passes, the terminal device will display a password reminder on the interface to remind the user to enter the password.

[0169] When the user's password input operation is detected, the terminal device will further generate a cross-category transaction order. The subsequent steps are the same as the fifth embodiment and will not be repeated here.

[0170] This embodiment provides a method for processing cross-category transaction orders. Before the formal transaction stage, a pre-inspection stage is set. Such a setting can identify and prevent potential high-risk transactions in advance, thereby effectively reducing the occurrence of risk events such as fraud, excessive transactions, and illegal transactions, and protecting the security of users and transaction systems.

[0171] For example, to help understand the implementation process of the method for processing cross-category transaction orders obtained by combining this embodiment with the above-mentioned embodiment 1, please refer to Figure 2 , Figure 2 A brief flowchart of a method for processing cross-category transaction orders is provided, specifically:

[0172] Customers can select cross-category investment and trading products on mobile banking and other apps, and submit orders to the order placement system. After receiving the order, the order placement system stores it, asynchronously sends transaction instructions to various trading systems, and summarizes the execution results of transactions in various trading systems and returns them to mobile banking to display the transaction results to customers.

[0173] The specific interaction process is as follows: Figure 8 shown.

[0174] (1) The user selects a product through the mobile banking app and adds it to the transaction list. Then, the user clicks the "One-click Order" button to generate a transaction list order request, which is then sent to the ordering system.

[0175] (2) After the order placing system verifies the data of the order placing request in the transaction list, it extracts the transaction category and pre-check information from it, and sends the pre-check information to the transaction system corresponding to the transaction category;

[0176] (3) The trading system performs a pre-check and returns the check result to the order placement system;

[0177] (4) The order placing system summarizes the inspection results returned by all transaction systems and sends them to the mobile banking APP;

[0178] (5) The user enters the password in the mobile banking app, generates a cross-category transaction order, and sends it to the order placement system;

[0179] (6) After the order placement system verifies the data of the cross-category transaction order, it returns the set ID of the cross-category transaction order and the waiting time to the mobile banking APP;

[0180] (7) The order placement system extracts transaction instructions of different transaction categories from the cross-category transaction orders, and sends the transaction instructions to the transaction system corresponding to the transaction category;

[0181] (8) The trading system executes the trading operation corresponding to the trading instruction and returns the trading result to the order placing system. The final status includes success or failure.

[0182] (9) After the waiting time is over, the mobile banking app will query the transaction results in the order system;

[0183] (10) The order placing system aggregates the transaction results returned by all transaction systems and sends them to the mobile banking APP.

[0184] This application accesses three key API interfaces: transaction checking, transaction execution, and querying transaction results. By integrating these interfaces, developers can quickly incorporate different categories of trading products into a unified trading process, greatly improving the flexibility of the system. If you need to temporarily or permanently remove a certain trading category from the trading process, you only need to simply remove the corresponding program code from the call list. The operation is simple and does not affect the stability of the overall trading architecture. This modular design concept makes system management more efficient while ensuring the consistency and smoothness of the user experience.

[0185] In the entire process of processing cross-category transaction orders, transactions in each transaction category are independent of each other, ensuring that transactions in each category do not interfere with each other and operate efficiently. This ensures that even when processing a large number of concurrent transactions, the stability of the system and the user's trading experience will not be affected.

[0186] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the method for processing cross-category transaction orders of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0187] The present application provides a device for processing cross-category transaction orders, and the device for processing cross-category transaction orders includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the method for processing cross-category transaction orders in the above-mentioned embodiment one.

[0188] Reference below Fig. 9 , which shows a schematic diagram of the structure of a processing device for cross-category transaction orders suitable for implementing the embodiment of the present application. The processing device for cross-category transaction orders in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Fig. 9 The cross-category transaction order processing device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0189] like Fig. 9As shown, the processing device for cross-category transaction orders may include a processing device 1001 (e.g., a central processing unit, a graphics processing unit, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. Various programs and data required for the operation of the processing device for cross-category transaction orders are also stored in RAM1004. The processing device 1001, ROM1002, and RAM1004 are connected to each other via a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Typically, the following systems can be connected to the I / O interface 1006: input devices 1007 including, for example, a touch screen, a touchpad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; output devices 1008 including, for example, a liquid crystal display (LCD), a speaker, a vibrator, etc.; storage devices 1003 including, for example, a magnetic tape, a hard disk, etc.; and communication devices 1009. The communication device 1009 can allow the processing device for cross-category transaction orders to communicate wirelessly or wired with other devices to exchange data. Although the figure shows a processing device for cross-category transaction orders with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems may be implemented or have alternatively.

[0190] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0191] The cross-category transaction order processing device provided by the present application adopts the cross-category transaction order processing method in the above embodiment, which can solve the technical problem of complex ordering operations for multi-category products. Compared with the prior art, the beneficial effects of the cross-category transaction order processing device provided by the present application are the same as the beneficial effects of the cross-category transaction order processing method provided by the above embodiment, and the other technical features in the cross-category transaction order processing device are the same as the features disclosed in the previous embodiment method, which will not be repeated here.

[0192] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0193] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0194] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, and the computer-readable program instructions are used to execute the method for processing cross-category transaction orders in the above-mentioned embodiment.

[0195] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0196] The above-mentioned computer-readable storage medium may be included in the processing device of the cross-category transaction order; or it may exist independently without being assembled into the processing device of the cross-category transaction order.

[0197] The above-mentioned computer-readable storage medium carries one or more programs. When the above-mentioned one or more programs are executed by the processing device of the cross-category transaction order, the processing device of the cross-category transaction order: receives the cross-category transaction order sent by the terminal device, and writes the cross-category transaction order into the database; splits the cross-category transaction order into transaction instructions of different transaction categories, and sends each transaction instruction to the corresponding transaction system; receives the transaction result returned by the transaction system based on the transaction instruction, updates the order result of the cross-category transaction order in the database, and sends the order result to the terminal device.

[0198] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0199] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a sequence different from that marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram and / or flow chart, and the combination of the boxes in the block diagram and / or flow chart can be implemented with a dedicated hardware-based system that performs the specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0200] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0201] The readable storage medium provided by the present application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned method for processing cross-category transaction orders, and can solve the technical problem of complex order operations for multi-category products. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided by the present application are the same as the beneficial effects of the method for processing cross-category transaction orders provided by the above-mentioned embodiments, and will not be elaborated here.

[0202] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A method for processing cross-category transaction orders, characterized in that: Applied to an order placing system, one side of the order placing system is connected to a terminal device for communication, and the other side of the order placing system is connected to at least two trading systems for communication, the method comprising: Receiving the cross-category transaction order sent by the terminal device, and writing the cross-category transaction order into a database; Splitting the cross-category transaction order into transaction instructions of different transaction categories, and sending each of the transaction instructions to a corresponding transaction system; Receive the transaction result returned by the transaction system based on the transaction instruction, update the order result of the cross-category transaction order in the database, and send the order result to the terminal device.

2. The method according to claim 1, characterized in that Before the step of receiving the cross-category transaction order sent by the terminal device and writing the cross-category transaction order into the database, the step further includes: Receiving a transaction list order request sent by the terminal device; Extracting the transaction category and pre-check information from the transaction list order request, and sending the pre-check information to the transaction system corresponding to the transaction category; The check result returned by the transaction system based on the pre-check information is received, and forwarded to the terminal device.

3. The method according to claim 2, characterized in that The inspection result includes a user level inspection result, a transaction amount inspection result and a transaction product inspection result. After the step of receiving the inspection result returned by the transaction system based on the pre-inspection information and forwarding it to the terminal device, the step further includes: If the user level check result, the transaction amount check result and the transaction product check result are all passed, the steps of receiving the cross-category transaction order sent by the terminal device and writing the cross-category transaction order into the database are performed.

4. The method according to claim 1, characterized in that After the step of receiving the transaction result returned by the transaction system based on the transaction instruction, the method further includes: If the transaction result is unknown, a query result request is sent to the transaction system after a preset time; If the transaction result is success or failure, the step of updating the order result of the cross-category transaction order in the database and sending the order result to the terminal device is performed.

5. The method according to claim 1, characterized in that The step of splitting the cross-category transaction order into transaction instructions of different transaction categories includes: Splitting the cross-category transaction order into several order items; Matching the order item with regular expressions of different transaction categories, and determining the transaction category to which the order item belongs according to the matching result; Fill the order item into the transaction instruction template associated with the transaction category to obtain the corresponding transaction instruction.

6. The method according to claim 1, characterized in that After the step of splitting the cross-category transaction order into transaction instructions of different transaction categories, the method further includes: Determine the handling fee rate corresponding to the transaction instruction according to the number of the transaction categories; The handling fee rate is written into the transaction instruction.

7. A method for processing cross-category transaction orders, characterized in that: Applied to a terminal device, the terminal device is communicatively connected to an order placing system, and the method comprises: When a user's selection operation is detected, a cross-category transaction order is generated based on the selection operation, and the cross-category transaction order is sent to the order placement system; Receive an order result returned by the order placement system based on the cross-category transaction order.

8. The method according to claim 1, characterized in that Before the step of generating a cross-category transaction order based on the selected operation and sending the cross-category transaction order to the order placement system, the step further includes: Generate a transaction list order request based on the selected operation, and send the transaction list order request to the order placement system; Receiving a check result returned by the order placing system based on the order placing request of the transaction list; If the check result is passed, a password reminder is displayed; When the password input operation of the user is detected, the steps of generating a cross-category transaction order based on the selected operation and sending the cross-category transaction order to the order placement system are performed.

9. A device for processing cross-category transaction orders, characterized in that: The device includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the method for processing cross-category transaction orders as described in any one of claims 1 to 6 or 7 to 8.

10. A storage medium, characterized in that: The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the method for processing a cross-category transaction order as described in any one of claims 1 to 6 or 7 to 8 are implemented.

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