Appropriance detection method, system and device and electronic equipment

Abstract

The embodiment of the invention provides a suitability detection method, system and device and electronic equipment, and relates to the technical field of data processing.The method comprises the steps that in response to a login request of a user sent by a client, authentication information of the user is sent to a data server; obtaining user information of the user fed back by the data server; caching user information of the user, and feeding back a login result to the client; according to the sequence of priorities of the suitability rules corresponding to the product markets from high to low, searching user information corresponding to the suitability rules from the cached user information of the users for the suitability rules in sequence, generating a suitability detection request, sending the suitability detection request to a data server, and sending the suitability detection request to the data server; obtaining a data server suitability detection result; and after a result fed back by the data server is obtained each time, a suitability detection result is generated, and the suitability detection result is sent to the client. By applying the scheme provided by the embodiment of the invention, the probability of disputes can be reduced.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a suitability detection method, system, device and electronic equipment. Background Art

[0002] In order to attract users and increase user stickiness, financial service platforms provide more and more services to users. As a result, the number of users of financial service platforms is also increasing. However, among the increasing number of users, some users may make mistakes in choosing and purchasing financial products due to lack of understanding of financial products, which may lead to disputes with financial service platforms.

[0003] In view of the above situation, in order to reduce disputes, it is necessary to provide a solution for user detection. Summary of the invention

[0004] The purpose of the embodiments of the present invention is to provide a method, system, device and electronic device for detecting the suitability of users and reduce the probability of disputes. The specific technical solution is as follows:

[0005] In a first aspect, an embodiment of the present invention provides a method for detecting suitability, which is applied to a control server, and the method includes:

[0006] In response to a login request from a user sent by a client, sending authentication information of the user to a data server;

[0007] Obtaining user information of the user fed back by the data server after successful authentication of the user based on the authentication information, wherein the user information of the user includes: a user ID of the user, the ticket information of the user, and market information of a product market to which the financial product held by the user belongs;

[0008] Cache the user information of the user and feed back the login result to the client;

[0009] According to the order of priority of the suitability rules corresponding to each product market from high to low, for each suitability rule, search for the market information of the product market corresponding to the suitability rule, the user identifier of the user, and the ticket information of the user from the cached user information, generate a suitability check request for the suitability rule and carrying the found data, send the suitability check request to the data server, and obtain the result of the suitability check performed by the data server on the suitability check request;

[0010] After each result fed back by the data server is obtained, a suitability detection result is generated, and the generated suitability detection result is sent to the client.

[0011] In a second aspect, an embodiment of the present invention provides a method for detecting suitability, which is applied to a data server, and the method comprises: receiving authentication information sent by a control server based on a login request of a user;

[0012] authenticating the user based on the authentication information;

[0013] If the user authentication is successful, the user information of the user is sent to the control server, wherein the user information of the user includes: the user identification of the user, the ticket information of the user and the market information of the product market to which the financial product held by the user belongs;

[0014] In response to receiving the suitability detection request sent by the control server, determining the suitability rule to be detected based on market information of the product market corresponding to the suitability rule carried in the suitability detection request;

[0015] Based on the user identifier of the user and the ticket information of the user carried in the suitability detection request, searching for the recorded validity period of the suitability rule to be detected for the user;

[0016] Feedback the search result to the control server.

[0017] In a third aspect, an embodiment of the present invention provides a suitability detection system, the system comprising: a client, a control server and a data server; wherein:

[0018] The client is used to send a user login request to the control server;

[0019] The control server is used to send the authentication information of the user to the data server in response to the login request;

[0020] The data server is configured to authenticate the user based on the authentication information, and send the user information of the user to the control server after the user authentication is successful, wherein the user information of the user includes: the user identification of the user, the ticket information of the user, and the market information of the product market to which the financial product held by the user belongs;

[0021] The control server is further used to cache the user information of the user and feed back the login result to the client; in descending order of the priority of the suitability rules corresponding to each product market, for each suitability rule, search from the cached user information of the user for the market information of the product market corresponding to the suitability rule, the user identifier of the user and the ticket information of the user, generate a suitability check request for the suitability rule and carrying the found data, and send the suitability check request to the data server;

[0022] The data server is further configured to perform a suitability check on the suitability check request;

[0023] The control server is further configured to obtain a result of the suitability detection performed by the data server on the suitability detection request; each time after obtaining a result fed back by the data server, generate a suitability detection result, and send the generated suitability detection result to the client;

[0024] The client is also used to display the received suitability detection result.

[0025] In a fourth aspect, an embodiment of the present invention provides a suitability detection device, which is applied to a control server, and the device includes:

[0026] A first sending module, configured to send authentication information of a user to a data server in response to a login request of a user sent by a client;

[0027] A first obtaining module is used to obtain user information of the user fed back by the data server after the user is successfully authenticated based on the authentication information, wherein the user information of the user includes: the user identification of the user, the ticket information of the user, and the market information of the product market to which the financial product held by the user belongs;

[0028] A user information cache module, used to cache the user information of the user and feed back the login result to the client;

[0029] A second obtaining module is used to search for the market information of the product market corresponding to the suitability rule, the user identifier of the user, and the ticket information of the user from the cached user information for each suitability rule in descending order of priority of the suitability rules corresponding to the product markets, generate a suitability detection request for the suitability rule and carrying the found data, send the suitability detection request to the data server, and obtain a result of the suitability detection performed by the data server on the suitability detection request;

[0030] The second sending module is used to generate a suitability detection result each time after obtaining the result fed back by the data server, and send the generated suitability detection result to the client.

[0031] In a fifth aspect, an embodiment of the present invention provides a suitability detection device, which is applied to a data server, and the device includes:

[0032] An authentication information receiving module, used to receive authentication information sent by the control server based on a user's login request;

[0033] An authentication information authentication module, used to authenticate the user based on the authentication information;

[0034] A user information sending module, configured to send the user information of the user to the control server if the authentication information authentication module successfully authenticates the user, wherein the user information of the user includes: the user identification of the user, the ticket information of the user, and the market information of the product market to which the financial product held by the user belongs;

[0035] A third determination module, configured to, in response to receiving the suitability detection request sent by the control server, determine the suitability rule to be detected based on the market information of the product market corresponding to the suitability rule carried in the suitability detection request;

[0036] An effective time search module, used to search for the effective time of the recorded appropriateness rule to be detected for the user based on the user identifier of the user and the ticket information of the user carried in the appropriateness detection request;

[0037] A feedback module is used to feed back the search result to the control server.

[0038] In a sixth aspect, an embodiment of the present invention provides an electronic device, including a processor, a communication interface, a memory, and a communication bus, wherein the processor, the communication interface, and the memory communicate with each other via the communication bus;

[0039] Memory, used to store computer programs;

[0040] The processor is used to implement the suitability detection method described in any one of the first and second aspects when executing the program stored in the memory.

[0041] In a seventh aspect, an embodiment of the present invention provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the suitability detection method described in any one of the first and second aspects is implemented.

[0042] In an eighth aspect, an embodiment of the present invention further provides a computer program product comprising instructions, which, when executed on a computer, enables the computer to execute the suitability detection method described in any one of the first and second aspects above.

[0043] Beneficial effects of the embodiments of the present invention:

[0044] In the technical solution provided by the embodiment of the present invention, after the user requests to log in to the control server through the client, the control server does not authenticate the user by itself, but the data server authenticates the user. After the data server successfully authenticates the user, it does not simply feedback the login result, but feedbacks the user's user identification, the user's bill information and the market information of the product market to which the financial product held by the user belongs to the control server. In this way, the control server can not only feedback the user's login result to the client, but also cache the user information.

[0045] On the basis of the above, the control server can perform suitability checks on users according to the priority of suitability rules based on the user information cached locally. Since the suitability checks on users are performed in advance, it can avoid mistakes made by users when selecting and purchasing financial products to a certain extent, thereby reducing the probability of disputes.

[0046] Of course, it is not necessary to achieve all of the advantages described above at the same time to implement any product or method of the present invention. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings in the following description are only some embodiments of the present invention. For ordinary technicians in this field, other embodiments can also be obtained based on these drawings.

[0048] Figure 1 A flow chart of a method for detecting the suitability of a control server provided in an embodiment of the present invention.

[0049] Figure 2 A flowchart of a method for generating an appropriateness detection result provided by an embodiment of the present invention.

[0050] Figure 3 A flowchart of a method for adding a new suitability rule is provided in an embodiment of the present invention.

[0051] Figure 4 A flow chart of a method for detecting the suitability of a data server provided in an embodiment of the present invention.

[0052] Figure 5A schematic diagram of the structure of a suitability detection system provided by an embodiment of the present invention.

[0053] Figure 6 A schematic structural diagram of a suitability detection device applied to a control server is provided for an embodiment of the present invention.

[0054] Figure 7 A schematic structural diagram of a suitability detection device applied to a data server is provided for an embodiment of the present invention.

[0055] Figure 8 A signaling flow diagram of a suitability detection system is provided for an embodiment of the present invention.

[0056] Fig. 9 A schematic diagram of the structure of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0057] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments in the present invention, all other embodiments obtained by ordinary technicians in this field based on this application belong to the scope of protection of the present invention.

[0058] At present, because some users lack understanding of financial products, they may make mistakes when selecting and purchasing financial products, and may have disputes with financial service platforms. Therefore, in order to reduce the occurrence of such situations, embodiments of the present invention provide a suitability detection method, device, system, electronic device and storage medium. First, an suitability detection method provided by an embodiment of the present invention is introduced below.

[0059] In one embodiment of the present invention, see Figure 1 , a flow chart of a method for detecting suitability of a control server is provided, the method comprising the following steps S101-S105.

[0060] Step S101: In response to a user login request sent by a client, the user's authentication information is sent to a data server.

[0061] When a user uses an account and password to perform a login operation on the client, the client sends the user's login request to the control server. After receiving the user's login request from the client, the control server sends the user's authentication information to the data server, where the authentication information includes the user's account and password. The data server compares the above authentication information with the user's account and password stored in the background database. When the above two are compared and are correct, the authentication is successful.

[0062] Step S102: obtaining the user information of the user fed back by the data server after successful authentication of the user based on the authentication information.

[0063] The user information of the user includes: the user identification of the user, the user's bill information and the market information of the product market to which the financial product held by the user belongs.

[0064] When the data server successfully authenticates the user based on the authentication information, it feeds back the user's user information to the control server. In this way, the control server can know that the user has passed the authentication after receiving the user's user information. Otherwise, if the user fails the authentication, the data server will not feed back the user's user information to the control server. In order to let the user know that he / she has not passed the authentication, in one case, the data server can feed back the login result indicating that the user has not passed the authentication to the control server, so that the control server can send the result indicating that the user has not passed the authentication to the client, so that the user can know the result.

[0065] The user identification of the above-mentioned user may be the user's registered account number, mobile phone number, identity identification, etc. on the financial transaction platform.

[0066] The ticket information of the above-mentioned user is the user's pass ticket generated by the data server after the data server successfully authenticates the user. In this way, when the relevant request of the user needs to be sent to the data server subsequently, the ticket information only needs to be carried in the request without carrying the user's password. In this way, the user does not need to enter the password frequently, making the user's operation more convenient and simplified.

[0067] When generating the above ticket information, the data server may encrypt the time of generating the ticket information, the user's account number, password and other information, and then use the encryption result as the above ticket information. The present invention also defines the method and algorithm for encrypting the above information. For example, the above various information may be spliced ​​into one information, and then the spliced ​​information is encrypted using a set encryption algorithm.

[0068] The above-mentioned ticket information may have a validity period. For example, the above-mentioned validity period may be 24 hours. Of course, it may also be set to other durations according to requirements, such as 12 hours, 36 hours, 48 ​​hours, etc.

[0069] The product market to which a financial product belongs is related to the type of financial product and can be understood as the source of the financial product. For example, a financial product can be a stock, and the product market to which the financial product belongs can be the Shenzhen Stock Exchange, the Shanghai Stock Exchange, the Beijing Stock Exchange, etc.

[0070] In view of the above situation, the market information of the product market may be information describing the product market, such as an identifier of the product market and the like.

[0071] Financial products already held by a user can be understood as financial products that the user has currently purchased and not sold.

[0072] Step S103: Cache the user's user information and feed back the login result to the client.

[0073] After receiving the user information fed back from the data server, the control server caches the user information locally. In addition, the control server also feeds back the login result to the client, which indicates that the user authentication is successful, so that the client can inform the user that the login is completed and the login process ends. For example, the client can display a login success interface.

[0074] Step S104: According to the order of priority of the suitability rules corresponding to each product market from high to low, for each suitability rule, search the market information of the product market corresponding to the suitability rule, the user ID of the user, and the user's ticket information from the cached user information, generate a suitability check request for the suitability rule and carrying the found data, send the suitability check request to the data server, and obtain the result of the suitability check performed by the data server on the suitability check request.

[0075] Suitability rules refer to the rules for testing users established by financial product trading platforms in accordance with the requirements of regulatory authorities. Their purpose is to enable financial trading platforms to understand users, objectively and comprehensively measure users' risk preferences and risk-bearing capabilities, and then recommend appropriate financial products to users.

[0076] Since different product markets have different characteristics and requirements, the appropriateness rules corresponding to different product markets are also different.

[0077] In addition, when performing suitability detection, it may be necessary to detect multiple suitability rules. In view of this, a priority can be set for each suitability rule, so that the detection can be implemented in order of the priority of each suitability rule from high to low.

[0078] In one embodiment of the present invention, the priority of the suitability rules corresponding to each product market may be determined according to at least one of the following information:

[0079] the importance of the suitability rule;

[0080] The degree of risk of suitability rules.

[0081] For example, the priority of the suitability rule may be determined in such a manner that the importance of the suitability rule is proportional to the priority, that is, the higher the importance of the suitability rule, the higher its priority, and conversely, the lower the importance of the suitability rule, the lower its priority.

[0082] Similar to the above, the priority of the suitability rule can also be determined in such a way that the risk level of the suitability rule is proportional to the priority level, that is, the higher the risk level of the suitability rule, the higher its priority level, and conversely, the lower the risk level of the suitability rule, the lower its priority level.

[0083] Specifically, when determining the priority of the suitability rules according to multiple types of information, the priority can also be set for the information, and the priority of the suitability rules is first determined according to the high-priority information. When the high-priority information of at least two suitability rules is the same, the priority of the suitability rules is determined according to the next priority information. For example, if the priority of the importance of the suitability rules is set higher than the risk level of the suitability rules, the priority of each suitability rule is first determined according to the importance of the suitability rules. If there are suitability rules with the same importance, the priority of the suitability rules with the same importance is determined according to the risk level of the suitability rules.

[0084] To sum up, since the importance and risk level of suitability rules reflect the differences between suitability rules from different perspectives, the priority of suitability rules can be determined from different perspectives based on at least one of the above two types of information. In particular, when both types of information are considered, the accuracy of the determined priority of suitability rules can be greatly improved.

[0085] In one embodiment of the present invention, an information cache area and a configuration area may be provided in the control server, wherein the information cache area is used to cache user information of users, and the configuration area is used to store the priorities of the suitability rules corresponding to each market. In one implementation, the above priorities may be stored in a configuration file in the configuration area in the form of a list or table. In addition, the above configuration file may be pre-stored in the control server, for example, pre-stored in the server before the control server is started. In this way, the priorities of the suitability rules corresponding to each market are stored in the configuration area. When the priorities of the suitability rules need to be changed, they only need to be configured in the configuration area without re-upgrading the business processing logic of the control server, thereby reducing the impact of the adjustment of the priorities of the suitability rules on the entire financial trading platform.

[0086] Specifically, when the control server caches the user's user information in the information cache area, it can also cache the user's account and generate a correspondence between the user's account and the user's user information. In this way, when the control server needs to find the user's user information, it can use the user's account as index information to find the user's user information in the cached correspondence.

[0087] As can be seen from the previous description, the above-mentioned product markets correspond to different suitability rules, and their corresponding priorities are also different. The control server can search for the market information of the product market corresponding to the suitability rule, the user identifier of the user, and the user's ticket information from the cached user information in order of the priorities of the suitability rules corresponding to the product markets recorded in the configuration area from high to low. After that, the found information is reconstructed to generate a suitability detection request for the above-mentioned suitability rules. In this way, the generated suitability detection request carries the above-mentioned found information, that is, the suitability detection request carries the user identifier of the user, the user's ticket information, and the above-mentioned market information. In addition, the above-mentioned suitability detection request can also carry the identifier of the suitability rule. In this case, the control server sends the generated suitability detection request to the data server. Since the suitability detection request carries the user's ticket information, the data server can know that the user has passed the authentication without the user's password, and the data server can perform suitability detection on the user. After the data server completes the suitability detection, it feeds back the result of the suitability detection to the control server.

[0088] For example, the appropriateness rules corresponding to each product market and their priorities can be shown in Table 1 below.

[0089] Table 1

[0090]

[0091] Among them, the priority decreases from 1 to n, so that when conducting suitability detection, the suitability rules are detected one by one starting from priority 1, that is, the suitability detection is first performed on the "suitability rules for financing risks of elderly users", and then the "suitability rules for comprehensive business risks", "suitability rules for registration system", "suitability rules for GEM", "suitability rules for Sci-Tech Innovation Board", etc., and so on, recursively downward until the end mark corresponding to priority n is reached.

[0092] In addition, how the data server completes the appropriateness check based on the appropriateness check request can be found in the subsequent Figure 4 The illustrated embodiment will not be described in detail here.

[0093] The execution timing of each action in step S104 is described below.

[0094] In one case, after the control server caches the user information of the user locally, it may start to execute step S104 to perform suitability detection, and after completing the suitability detection for one suitability rule, it may start to perform suitability detection for the suitability rule of the next priority.

[0095] In another case, after feeding back the login result to the client, if the control server receives a detection indication sent by the client, and the above detection indication indicates to perform a suitability check, the control server will start to execute this step S104 to perform a suitability check. Similar to the above situation, in this case, after completing the suitability check for one suitability rule, the suitability check for the suitability rule of the next priority can be started.

[0096] In the above two cases, after completing the suitability test for one suitability rule, the suitability test for the next suitability rule can be started, which improves the fluency of the suitability test.

[0097] In addition, it can be seen from the above that the solution provided by the embodiment of the present invention can perform suitability checks on users when users request to log in, and can also perform suitability checks on users when users successfully log in to handle related business, such as when users click to select financial products in a certain product market. In this way, the rights and interests of users can be better protected, and the situation in which users make mistakes in selecting and purchasing financial products and cause disputes with financial service platforms can be greatly reduced.

[0098] Step S105: after obtaining the result fed back by the data server each time, generate a suitability detection result, and send the generated suitability detection result to the client.

[0099] In one embodiment of the present invention, it can be seen from the foregoing description that the above-mentioned step S104 can be triggered by the client, and step S104 is not executed until the client sends a suitability detection request to the control server. In this case, after the client receives the suitability detection result fed back by the control server, it can determine whether there are any suitability rules that have not completed the suitability detection based on the received suitability detection result. If so, the next suitability detection request can be sent to the control server, thereby improving the fluency of the suitability detection. At the same time, the client can also render the received suitability detection result, so that the user can intuitively know the suitability detection result through the rendered result.

[0100] In the technical solution provided by the embodiment of the present invention, after the user requests to log in to the control server through the client, the control server does not authenticate the user by itself, but the data server authenticates the user. After the data server successfully authenticates the user, it does not simply feedback the login result, but feedbacks the user's user identification, the user's bill information and the market information of the product market to which the financial product held by the user belongs to the control server. In this way, the control server can not only feedback the user's login result to the client, but also cache the user information.

[0101] In addition, since the control server stores the user's information locally, when performing suitability detection, the control server only needs to search for the market information of the product market corresponding to the suitability rule, the user's user ID and the user's ticket information from the user information stored locally. This can reduce the interface calls to the data server, reduce the query pressure of the control server on the data server, and improve the overall performance and response speed of the system.

[0102] Furthermore, because user information is cached in the control server, direct access to the data server is reduced, thereby improving the security of the system.

[0103] Furthermore, in the solution provided by the embodiment of the present invention, the user information of the user is cached in the control server, which can improve the information security of the financial transaction platform compared to caching it in the client.

[0104] In one embodiment of the present invention, see Figure 2 , a flow chart of a method for generating an appropriateness detection result is provided, the method comprising the following steps S201-S203.

[0105] Step S201: after obtaining the result fed back by the data server each time, obtaining a first flag indicating whether there are still appropriateness rules that have not been checked for appropriateness.

[0106] The first flag is used to indicate whether there are still appropriateness rules that have not been checked for appropriateness. It can be represented by different flag values, which will be described in detail below.

[0107] In one implementation, the value of the first identifier may be a preset value. For example, the value of the first identifier may be 1, indicating that there are still appropriateness rules that have not been checked for appropriateness. The value of the first identifier may be 0, indicating that there are no appropriateness rules that have not been checked for appropriateness.

[0108] In another implementation, the first identifier may also be an identifier of a second priority, where the second priority is: the next priority lower than the first priority, and the first priority is: the priority of the suitability rule corresponding to the result fed back by the data server.

[0109] In view of the above situation, in one embodiment of the present invention, the above step S201 can be implemented in the following manner: based on the first priority mark, detect whether there are still appropriateness rules that have not been checked for appropriateness, wherein the first priority is: the priority of the appropriateness rule corresponding to the result fed back by the data server. If there is, the second priority mark is determined as the first mark indicating that there are still appropriateness rules that have not been checked for appropriateness, wherein the second priority is: the next priority lower than the first priority; if there is no, the preset appropriateness check completion mark is determined as the first mark.

[0110] Specifically, when detecting whether there are still suitability rules that have not been checked for suitability based on the first priority identifier, it can be determined whether the first priority identifier is the last identifier in the priority identifiers of suitability rules to be checked for suitability stored locally on the control server. If it is not the last identifier, it means that there are still suitability rules that have not been checked for suitability. If it is the last identifier, it means that there are no suitability rules that have not been checked for suitability. In this case, the first identifier can refer to the various first identifiers shown in the aforementioned Table 1.

[0111] In view of the above situation, that is, each time the control server obtains the result feedback from the data server, it will detect the priority of the suitability rule of the current suitability check from the pre-set priority order of the suitability rules, and determine whether the priority of the suitability rule of the current suitability check is the priority of the last suitability rule. If not, the second priority mark is determined as the first mark indicating that there are still suitability rules that have not been checked for suitability, that is, the suitability check of the next suitability priority is continued according to the first mark, wherein the second priority is the next priority lower than the first priority; if so, the preset suitability check completion mark is determined as the first mark, and the suitability check process is terminated.

[0112] Step S202: Determine the prompt of the appropriateness rule corresponding to the result fed back by the data server.

[0113] In one embodiment, the result fed back by the data server includes the effective time of the suitability rule to be tested for the user. After receiving the result fed back by the data server, the control server determines whether the current time is within the effective time included in the above result. If the current time is within the above effective time, it means that the user has passed the suitability test for the suitability rule. In this case, a test result indicating that the suitability test has passed is generated. If the current time is not within the above effective time, it means that the user has not passed the suitability test for the suitability rule. In this case, a test result indicating that the suitability test has not passed is generated.

[0114] In addition, the control server may pre-store prompts corresponding to various suitability rules, including prompts for passing the suitability test and prompts for failing the suitability test. In this case, after obtaining the above-mentioned test results, based on the test results representing whether the suitability test has passed or failed, matching prompts may be searched from the pre-stored prompts as prompts for the suitability rules corresponding to the results fed back by the data server.

[0115] Step S203: Generate a suitability detection result including the first identifier, the result fed back by the data server and the determined prompt.

[0116] As can be seen from the above, in the solution provided by the present embodiment, after obtaining the result fed back from the data server, the control server does not simply feed back the obtained result to the client, but obtains a first identifier representing whether there are any appropriateness rules that have not been subjected to appropriateness testing. Based on the first identifier, it is determined whether the appropriateness testing needs to continue, and the prompt of the appropriateness rule corresponding to the result fed back by the data server is determined, and an appropriateness testing result including the first identifier, the result fed back by the data server and the determined prompt is generated. After such appropriateness testing result is sent to the client, the client can know whether there are any appropriateness rules that have not been subjected to appropriateness testing based on the appropriateness testing result, thereby preparing in advance for rendering subsequent appropriateness testing results. In this way, from the perspective of user perception, the overall smoothness of the appropriateness testing process can be improved, and user experience and user satisfaction can be improved.

[0117] In one embodiment of the present invention, see Figure 3 , a flow chart of a method for adding a new suitability rule is provided, the method comprising the following steps S301-S304.

[0118] Step S301: Obtain newly added suitability rules corresponding to the product market.

[0119] Step S302: Determine a second identifier of the priority of the newly added suitability rule.

[0120] Similar to the priority determination method of other suitability rules, the priority of a newly added suitability rule may also be determined based on at least one of the importance and risk level of the newly added suitability rule.

[0121] Step S303: Determine the insertion position of the second identifier in the identifiers of the existing priorities in descending order of priority.

[0122] Specifically, the priority of the existing appropriateness rules can be searched in descending order of priority to find the lowest priority of the newly added appropriateness rule, and the next position of the found priority identifier is used as the insertion position of the second identifier.

[0123] Taking 1 as the highest priority and the priority gradually decreasing as the value of the identifier increases as an example, the maximum identifier that is smaller than the second identifier can be found in the identifiers of the priorities of the existing suitability rules, and the position after the maximum identifier can be determined as the insertion position of the second identifier.

[0124] For example, the value of the second identifier is 4, and the priority identifiers of the existing suitability rules are in descending order of priority: 1, 2, 3, 4, 5. The above-mentioned maximum identifier is 3, and the position after the identifier with a value of 3 is determined as the insertion position of the second identifier.

[0125] Step S304: insert the second identifier into the insertion position, and adjust the values ​​of the identifiers of the priorities located at and after the insertion position.

[0126] Due to the insertion of the second identifier, an identifier with the same priority may appear in the identifiers of the priority of the appropriateness rule, which will make it difficult to perform the appropriateness test. Therefore, it is necessary to adjust the values ​​of the identifier at the insertion position and the identifiers after the insertion position in the identifiers of the priority of the original appropriateness rule. For example, the value of the above identifier is adjusted by adding 1.

[0127] For example, as in the example of step S303 above, after inserting the second identifier after 3, the identifiers of the priority of the suitability rule are in the order of high priority to low: 1, 2, 3, 4, 4, 5, then it is necessary to add 1 to the last 4 and 5. After the adjustment, the identifiers are in the order of high priority to low: 1, 2, 3, 4, 5, 6.

[0128] As can be seen from the above, in the solution provided in this embodiment, when adding new suitability rules, it is only necessary to execute the new operation through the control server, and there is no need to update the client to achieve the addition of new suitability rules. Therefore, the difficulty of system upgrades and maintenance of existing customers is greatly reduced, and the stability and maintainability of the system are improved. At the same time, it also solves the problem that the order of suitability detection is fixed and cannot be easily modified when adding new suitability rules, reduces the pressure on the server, and makes business adjustments more flexible and convenient.

[0129] In one embodiment of the present invention, each time the control server obtains the result fed back by the data server, it can generate the appropriateness detection result in the following manner:

[0130] If the result fed back by the data server includes the effective time of the detected appropriateness rule, and the current time is not later than the effective time, a detection result is generated indicating that the detected appropriateness rule is valid; if the current time is later than the effective time, a detection result is generated indicating that the detected appropriateness rule is invalid; if the result fed back by the data server does not include the effective time, a detection result is generated indicating that the user has not signed the detected appropriateness rule.

[0131] Specifically, the control server determines whether the user's suitability is within the valid time based on the above-mentioned valid time. If it is within the valid time, a test result is generated indicating that the detected suitability rule is valid, that is, the suitability status of the current suitability test is "signed"; if the current time is later than the above-mentioned valid time, a test result is generated indicating that the detected suitability rule is invalid, that is, the suitability status of the current suitability test is "expired"; if the result fed back by the data server does not include the valid time, a test result is generated indicating that the user has not signed the detected suitability rule, that is, the suitability status of the current suitability test is "unsigned".

[0132] Corresponding to the aforementioned suitability detection method applied to the control server, the embodiment of the present invention further provides a suitability detection solution applied to the data server.

[0133] See also Figure 4 , an embodiment of the present invention provides a flow chart of a method for suitability detection applied to a data server, the method comprising the following steps S401-S406.

[0134] Step S401: receiving authentication information sent by the control server based on the user's login request.

[0135] When a user uses an account and password to perform a login operation on the client, the client sends the user's login request to the control server. After receiving the user's login request from the client, the control server sends the user's authentication information to the data server, where the authentication information includes the user's account and password.

[0136] Step S402: Authenticate the user based on the authentication information.

[0137] The data server compares the above authentication information with the user's account and password stored in the backend database. If the two compare correctly, the authentication is considered successful.

[0138] Step S403: If the user authentication is successful, the user information of the user is sent to the control server.

[0139] The user information of the user includes: the user identification of the user, the user's bill information and the market information of the product market to which the financial product held by the user belongs.

[0140] When the data server successfully authenticates the user based on the above authentication information, it will feedback the user's user information and ticket information to the control server. In this way, after receiving the user's user information, the control server can know that the user has passed the authentication, and when it needs to send a related request of the user to the data server later, the request can carry the ticket information. Otherwise, if the user fails to pass the authentication, the data server will not feedback the user's user information to the control server. However, in order to let the user know that he has not passed the authentication, in one case, the data server can feedback the login result indicating that the user has not passed the authentication to the control server, so that the control server can send the result indicating that the user has not passed the authentication to the client, so that the user can know this result.

[0141] Step S404: In response to receiving the suitability check request sent by the control server, determine the suitability rule to be checked based on the market information of the product market corresponding to the suitability rule carried in the suitability check request.

[0142] The data server stores various suitability rules and market information of the product markets corresponding to the various suitability rules in the background database, and matches the market information of the product markets with the suitability rules stored in the background database to determine the suitability rules to be tested.

[0143] Specifically, referring to Table 1 above, for example, when the market information of the product market corresponding to the suitability rule carried in the above suitability check request is GEM, then the suitability rule to be tested is the GEM suitability check rule.

[0144] Step S405: Based on the user identifier and the user ticket information carried in the suitability check request, the recorded validity period of the suitability rule to be checked for the user is searched.

[0145] The data server stores the validity period of the appropriateness rules corresponding to each user in the background database, determines that the user has been successfully authenticated based on the ticket information of the above user, and searches for the validity period of the recorded appropriateness rules to be tested for the user based on the determined appropriateness rules to be tested and the user ID of the user.

[0146] For example, the suitability rules to be tested by the user may be the suitability rules of the Science and Technology Innovation Board, and the effective time of the suitability rules of the Science and Technology Innovation Board recorded by the data server for the user may be 2024-12-31.

[0147] Step S406: Feedback the search result to the control server.

[0148] If the data server can successfully find the effective time of the recorded suitability rule to be tested for the user, it generates a search result including the effective time of the suitability test and feeds back the search result to the control server; if the data server cannot successfully find the effective time of the recorded suitability rule to be tested for the user, the search result fed back to the control server does not include the effective time.

[0149] In the technical solution provided by the embodiment of the present invention, the data server determines the suitability rules to be tested based on the market information in the user information of the user provided by the control server, and then searches for the recorded suitability rules to be tested based on the user identification and ticket information in the above user information for the valid time of the user, and finally feeds back the search results to the control server. In this way, the possibility of abnormal risks such as freezing can be effectively reduced, thereby improving the fluency of the overall suitability detection process. In addition, when the user needs to send a related request of the user to the data server in the future based on the ticket information issued by the data server, the request only needs to carry the ticket information, without having to carry the user's password, so that the user does not need to frequently enter the password, making the user's operation more convenient and simplified.

[0150] Corresponding to the aforementioned suitability detection method applied to the control server and the data server, an embodiment of the present invention further provides a suitability detection system.

[0151] The present invention provides a schematic diagram of the structure of a suitability detection system. Figure 5 The system includes: a client 501, a control server 502 and a data server 503.

[0152] The client 501 is used to send a user login request to the control server 502 .

[0153] The control server 502 is used to send the user's authentication information to the data server 503 in response to the login request.

[0154] The data server 503 is used to authenticate the user based on the authentication information, and send the user's user information to the control server 502 after the user authentication is successful, wherein the user's user information includes: the user's user identification, the user's ticket information and the market information of the product market to which the financial product held by the user belongs.

[0155] The control server 502 is also used to cache the user's user information and feedback the login result to the client 501; according to the priority order of the suitability rules corresponding to each product market from high to low, for each suitability rule, the market information of the product market corresponding to the suitability rule, the user's user ID and the user's ticket information are searched from the cached user information, a suitability check request for the suitability rule and carrying the found data is generated, and the suitability check request is sent to the data server 503.

[0156] The data server 503 is also used to perform suitability check on the suitability rules in response to the suitability check request.

[0157] The control server 502 is also used to obtain the results of the suitability detection performed by the data server 503 on the suitability detection request; each time after obtaining the results fed back by the data server 503, it generates a suitability detection result and sends the generated suitability detection result to the client 501.

[0158] The client 501 is also used to display the received suitability detection result.

[0159] In the technical solution provided by the embodiment of the present invention, when a user logs in to a client using an account, the control server responds to the user's login request sent by the client and sends the user's authentication information to the data server. After the user authentication is successful, the control server obtains the user information of the user fed back by the data server after the user authentication is successful based on the authentication information. The control server stores the user information for the user locally. When performing subsequent suitability detection, it is only necessary to search the market information of the product market corresponding to the suitability rule, the user ID of the user, and the user's ticket information from the stored user information of the user. The actual interface call volume is halved, which reduces the query pressure of the control server on the data server and improves the overall performance and response speed of the system. Because the user information is cached in the control server, direct access to the data server is reduced, thereby improving the security of the system. When performing suitability checks on users, there may be an environment where multiple suitability checks are performed. By applying the solution provided in the embodiment of the present invention, after the control server feeds back the suitability status, prompt message and suitability check mark of the next priority of the current suitability check to the client, the suitability check of the next priority can be executed without waiting for the client to complete rendering. The embodiment of the present invention adopts modular distribution in different suitability check processes. When an exception occurs in one module, it does not affect the normal operation of the next module. In this way, the client freezes due to an exception in a module during the suitability check, thereby improving the fluency of suitability checks for securities transactions.

[0160] The above-mentioned client 501 is also used to display the received suitability detection results. Specifically, in one embodiment, the client 501 may include: a business request module and a suitability pop-up rendering module. The business request module is used to send different business processing requests to the control server 502 or the suitability pop-up rendering module, for example, sending a suitability detection request and a user login request to the control server 502, and sending a suitability detection result rendering request to the suitability pop-up rendering module. When the login request generated when the user operates the client 501 to log in, the suitability detection request triggered when the user operates the client 501 to trade financial products in a certain market, the request generated when the client 501 needs to render the suitability detection result, etc., arrive at the business request module, the module will determine whether the request is a business request or a rendering request. If it is an appropriateness detection request or a login request, it is a business request. The business request module will generate the above login request based on the user's account and password, and send the login request to the control server 502, or send an appropriateness detection request to the control server 502; if it is an appropriateness result rendering request, it is a rendering request. The business request module will render the appropriateness result and send it to the appropriateness pop-up rendering module to render the appropriateness rendering result.

[0161] The appropriateness pop-up window rendering module is used to respond to the appropriateness result rendering request sent from the business request area, activate the client 501 to display the pop-up window, arrange the appropriateness detection results fed back by the data server 503 and the determined appropriateness prompts in the pop-up window, and display them at the top. When the appropriateness result rendering request reaches the appropriateness pop-up window rendering module, the module parses the appropriateness detection result rendering request to obtain the following data: appropriateness prompt, appropriateness name, appropriateness detection result fed back by the data server 503, and then fills the appropriateness name to the top of the pop-up window, combines the appropriateness detection result and the appropriateness prompt as the display content corresponding to the above-mentioned appropriateness name, and displays it. At this point, the pop-up window rendering process ends, wherein the appropriateness name changes according to the current appropriateness detection, for example: GEM appropriateness, Sci-Tech Innovation Board appropriateness, and registration system appropriateness, etc.

[0162] For example, if the financial product that the user wants to trade is a financial product listed on the Shenzhen Stock Exchange, and the current suitability detection rules are the GEM suitability detection rules, and the suitability detection result fed back by the data server is "expired", the above suitability prompt can be: "Dear investors! Due to the reform of the GEM of the Shenzhen Stock Exchange and the pilot registration system, the risk level of this business has been adjusted to a medium-high risk level. In accordance with the "Securities and Futures Investor Suitability Management Measures", please log in to the trading client to reconfirm the suitability matching opinion or apply for re-signing the new version of the GEM risk disclosure statement to restore your existing GEM trading rights or obtain new GEM rights."

[0163] In another embodiment, after the control server 502 feeds back the suitability detection result of the current suitability detection to the client 501, the service request module of the client 501 does not need to wait for the suitability pop-up rendering module to complete the rendering, but can continue to initiate a suitability detection request for the next priority suitability detection rule to the control server 502 according to the above-mentioned suitability detection rule of the next priority. In addition, the suitability detection system can adopt a modular distribution for the suitability detection process of different suitability rules, and the suitability detection process for each suitability rule can be completed separately without interfering with the suitability detection of other suitability rules.

[0164] In order to make the description of the above-mentioned suitability detection system more specific, an embodiment of the present invention provides a signaling flow diagram of the suitability detection system.

[0165] See also Figure 8 The client includes a business request module and an appropriate pop-up rendering module, and the control server includes a business processing module and an information cache area. When the user logs in on the client, S801 is executed, and the business request module sends the user's login request to the business processing module, wherein the login request includes the user's authentication information, and the authentication information is the user's account and password. S802 The business processing module sends the user's authentication information to the data server for login authentication. S803 The data server authenticates the user's authentication information according to the user's account and password stored in the background database. If the above two are correct, the authentication is successful. S804 The data server successfully authenticates and feeds back the user information to the business processing module, wherein the user information includes the user's user ID, the user's bill information and the market information of the financial products that the user has held. S805 The business processing module sends the user information to its information cache area, S806 The control server stores the above user information in its information cache area, S807 The user information cache is completed, and 808 The business processing module feeds back to the client that the user has logged in successfully.

[0166] S809 The business request module sends a first-priority suitability rule suitability 1 detection request to the business processing module. S810 The business processing module retrieves the user information of the user from the information cache area according to the first-priority suitability rule. S811 The user information is retrieved successfully. S812 The business processing module successfully obtains the user information corresponding to the suitability rule. S813 The business processing module uses the user information to generate a suitability 1 detection request for the suitability rule and carries the retrieved data, and sends the suitability 1 detection request to the data server, requesting the data server to use the user information to query the validity period of the suitability 1 rule for the user. S814 The data server The server successfully queries the above-mentioned effective time, S815 the data server feeds back the query result to the business processing module, S816 the business processing module matches the prompt of the appropriateness 1 detection according to the effective time fed back by the data server, S817 the business processing module generates an appropriateness 1 detection result including the first identifier, the query result fed back by the data server and the determined prompt, and sends the appropriateness 1 detection result to the business request module, S818 the business request module sends a rendering request to its rendering module according to the appropriateness 1 detection result, S819 the rendering module of the client successfully renders the prompt and displays it on top in a pop-up window, S820 the appropriateness 1 detection link of the above-mentioned first-priority appropriateness rule ends.

[0167] The above-mentioned first identifier indicates whether there are still suitability rules that have not been checked for suitability. The business request module determines whether to continue to send suitability check instructions to the control server based on the first identifier. The business request module sends a check instruction to the business processing module for each suitability rule in order from high to low priority of the suitability rules corresponding to each product market, and repeatedly executes the above-mentioned steps S809-S820 until all suitability rules have been checked. In addition, after the above-mentioned S817 business processing module sends the suitability 1 check result to the business request module, the business request module does not need to wait for the execution of the operations of S818-S820, and can directly send a check instruction to the business processing module according to the suitability rule of the next priority to perform the suitability check of the next priority.

[0168] For example, Figure 8S821-S832 shown in. S821 The business request module sends a suitability n detection request for suitability rule n to the business processing module. S822 The business request module retrieves the user information of the user from the information cache area according to the above suitability rule n. S823 The user information is retrieved successfully. S824 The business processing module successfully obtains the user information corresponding to the above suitability rule n. S825 The business processing module uses the user information to generate a suitability n detection request for the above suitability rule n and carries the retrieved data, and sends the suitability n detection request to the data server, requesting the data server to use the user information to query the validity time of the above suitability n rule for the user. S826 The data server successfully queries After querying the above-mentioned effective time, S827 the data server feeds back the query result to the business processing module, S828 the business processing module matches the prompt of the appropriateness detection according to the effective time fed back by the data server, S829 the business processing module generates an appropriateness detection result including the first identifier, the query result fed back by the data server and the determined prompt, and sends the appropriateness detection result to the business request module, S830 the business request module sends a rendering request to its rendering module according to the appropriateness detection result, S831 the appropriateness pop-up rendering module of the client successfully renders the prompt and displays it on top in a pop-up window, S832 the appropriateness detection link of the above-mentioned appropriateness rule n is ended.

[0169] When all the suitability rules have been checked, the first flag indicates that there are no suitability rules that have not been checked for suitability, which is the suitability check completion mark. The business processing module matches the suitability prompt according to the suitability check completion mark, sends the suitability check result to the business request module, and the client renders according to the suitability check result. At this point, the suitability check ends.

[0170] In one embodiment of the present invention, the data server 503 in the above system performs a suitability check on the suitability rule in response to the suitability check request, including:

[0171] Based on the market information of the product market corresponding to the suitability rules carried in the suitability check request, determine the suitability rules to be checked; based on the user identifier and the user's ticket information carried in the suitability check request, find the recorded validity period of the suitability rules to be checked for the user.

[0172] From the above, it can be seen that in the solution provided by the embodiment of the present invention, the data server determines the suitability rules to be tested based on the market information in the user information of the user provided by the control server, and then searches for the recorded validity time of the suitability rules to be tested for the user based on the user identifier and ticket information in the above user information. In this way, the possibility of abnormal risks such as freezes can be effectively reduced, thereby improving the fluency of the overall suitability detection process.

[0173] Corresponding to the above-mentioned suitability detection method applied to a control server, an embodiment of the present invention further provides a suitability detection device applied to a control server.

[0174] See also Figure 6 , an embodiment of the present invention provides a schematic diagram of a structure of a suitability detection device applied to a control server, the device comprising:

[0175] The first sending module 601 is used to send the user's authentication information to the data server in response to the user's login request sent by the client;

[0176] The first obtaining module 602 is used to obtain the user information of the user fed back by the data server after the user is successfully authenticated based on the authentication information, wherein the user information of the user includes: the user identification of the user, the user's bill information and the market information of the product market to which the financial product held by the user belongs;

[0177] User information cache module 603, used to cache user information and feedback login results to the client;

[0178] The second obtaining module 604 is used to search for the market information of the product market corresponding to the suitability rule, the user identifier of the user, and the ticket information of the user from the cached user information in the order of the priority of the suitability rules corresponding to the product markets from high to low, generate a suitability detection request for the suitability rule and carrying the found data, send the suitability detection request to the data server, and obtain the result of the suitability detection performed by the data server on the suitability detection request;

[0179] The second sending module 605 is used to generate a suitability detection result after obtaining the result fed back by the data server each time, and send the generated suitability detection result to the client.

[0180] When the technical solution provided by the embodiment of the present invention is applied, after the user requests to log in to the control server through the client, the control server does not authenticate the user itself, but the data server authenticates the user. After the data server successfully authenticates the user, it does not simply feedback the login result, but feedbacks the user's user identification, the user's ticket information and the market information of the product market to which the financial product held by the user belongs to the control server. In this way, the control server can not only feedback the user's login result to the client, but also cache the user information.

[0181] On the basis of the above, the control server can perform suitability checks on users according to the priority of suitability rules based on the user information cached locally. Since the suitability checks on users are performed in advance, it can avoid mistakes made by users when selecting and purchasing financial products to a certain extent, thereby reducing the probability of disputes.

[0182] In one embodiment of the present invention, the second sending module 605 includes: an identification obtaining submodule, which is used to obtain a first identification indicating whether there are still appropriateness rules that have not been checked for appropriateness after obtaining the result fed back by the data server each time;

[0183] A prompt word determination submodule is used to determine the prompt word of the appropriateness rule corresponding to the result fed back by the data server;

[0184] The detection result generation submodule is used to generate an appropriateness detection result including the first identifier, the result fed back by the data server and the determined prompt.

[0185] As can be seen from the above, in the solution provided by the present embodiment, after obtaining the result fed back from the data server, the control server does not simply feed back the obtained result to the client, but obtains a first identifier representing whether there are still appropriateness rules that have not been subjected to the appropriateness check, and determines whether the appropriateness check needs to continue based on the first identifier, and determines the prompt of the appropriateness rule corresponding to the result fed back by the data server, and generates an appropriateness check result including the first identifier, the result fed back by the data server, and the determined prompt. After such an appropriateness check result is sent to the client, the client can know whether there are still appropriateness rules that have not been subjected to the appropriateness check based on the appropriateness check result, so as to prepare in advance for rendering subsequent appropriateness check results. In this way, from the perspective of user perception, the overall fluency of the appropriateness check process can be improved, and the user experience and user satisfaction can be improved. In one embodiment of the present invention, the identifier acquisition submodule is specifically used for obtaining the result fed back by the data server each time,

[0186] Based on the first priority level identifier, detect whether there are any suitability rules that have not been checked for suitability, wherein the first priority level is: the priority level of the suitability rule corresponding to the result fed back by the data server; if so, determine the second priority level identifier as the first identifier representing that there are any suitability rules that have not been checked for suitability, wherein the second priority level is: the next priority level lower than the first priority level; if not, determine the preset suitability check completion identifier as the first identifier.

[0187] As can be seen from the above, in the solution provided by the present embodiment, after obtaining the result fed back from the data server, the control server does not simply feed back the obtained result to the client, but obtains a first identifier representing whether there are any appropriateness rules that have not been subjected to appropriateness testing. Based on the first identifier, it is determined whether the appropriateness testing needs to continue, and the prompt of the appropriateness rule corresponding to the result fed back by the data server is determined, and an appropriateness testing result including the first identifier, the result fed back by the data server and the determined prompt is generated. After such appropriateness testing result is sent to the client, the client can know whether there are any appropriateness rules that have not been subjected to appropriateness testing based on the appropriateness testing result, thereby preparing in advance for rendering subsequent appropriateness testing results. In this way, from the perspective of user perception, the overall smoothness of the appropriateness testing process can be improved, and user experience and user satisfaction can be improved.

[0188] In one embodiment of the present invention, the above-mentioned device also includes: an indication receiving module, which is used to receive a detection indication sent by the client after the user information cache module feeds back the login result to the client; if the detection indication instructs the control server to perform an appropriateness check, the second obtaining module is triggered.

[0189] The solution provided by the embodiment of the present invention can perform suitability checks on users before they enter the client page, and can also perform suitability checks on users after they enter the client page when they click to select a financial product in a certain market. In this way, the rights and interests of users can be better protected, and the situation in which disputes between users and financial service platforms due to errors in selecting and purchasing financial products is greatly reduced.

[0190] In one embodiment of the present invention, the above device further includes:

[0191] A rule adding module is used to obtain new suitability rules corresponding to the product market, determine the second identifier of the priority of the new suitability rules, determine the insertion position of the second identifier in the identifier of the existing priority in order of priority from high to low, insert the second identifier into the insertion position, and adjust the value of the identifier of the priority at and after the insertion position. In the scheme provided by the embodiment of the present invention, when adding new suitability rules, it is only necessary to execute the new operation through the control server, and the client does not need to be updated to realize the addition of suitability rules. Therefore, the difficulty of system upgrade and maintenance of existing customers is greatly reduced, and the stability and maintainability of the system are improved. At the same time, it also solves the problem that the order of suitability detection is fixed and cannot be easily inserted and modified when adding new suitability rules, which reduces the pressure on the server and makes business adjustments more flexible and convenient.

[0192] In one embodiment of the present invention, the priority of the suitability rules corresponding to each product market is determined according to at least one of the following information:

[0193] the importance of the suitability rule;

[0194] The degree of risk of suitability rules.

[0195] In the solution provided by the embodiment of the present invention, the importance and risk level of the suitability rules reflect the differences between the suitability rules from different perspectives respectively. Therefore, based on at least one of the above two types of information, the priority of the suitability rules can be determined from different perspectives. Especially when both types of information are considered, the accuracy of the determined priority of the suitability rules can be greatly improved.

[0196] In one embodiment of the present invention, the above-mentioned second sending module 605 is specifically used to generate a suitability detection result in the following manner after obtaining the result fed back by the data server each time: if the result fed back by the data server includes the effective time of the detected suitability rule, when the current time is not later than the effective time, a detection result is generated indicating that the detected suitability rule is valid; if the current time is later than the effective time, a detection result is generated indicating that the detected suitability rule is invalid; if the result fed back by the data server does not include the effective time, a detection result is generated indicating that the user has not signed the detected suitability rule.

[0197] In the technical solution provided by the embodiment of the present invention, the control server generates a suitability detection result based on the result of feedback from the data server. The result of the above feedback is the effective time of the current suitability rule for the user. By judging whether the user is within the above effective time, the detection result of the user for the current suitability rule is generated. In this way, the possibility of abnormal risks such as lag can be effectively reduced, thereby improving the fluency of the overall suitability detection process.

[0198] Corresponding to the above-mentioned suitability detection method applied to a control server, an embodiment of the present invention further provides a suitability detection device applied to a control server.

[0199] See also Figure 7 , an embodiment of the present invention provides a schematic diagram of a structure of a suitability detection device applied to a data server, the device comprising:

[0200] The authentication information receiving module 701 is used to receive the authentication information sent by the control server based on the user's login request;

[0201] Authentication information authentication module 702, used to authenticate the user based on the authentication information;

[0202] The user information sending module 703 is used to send the user information of the user to the control server if the authentication information authentication module 702 successfully authenticates the user, wherein the user information of the user includes: the user identification of the user, the user's bill information and the market information of the product market to which the financial product held by the user belongs;

[0203] A third determination module 704 is configured to determine the suitability rule to be tested based on the market information of the product market corresponding to the suitability rule carried in the suitability detection request in response to receiving the suitability detection request sent by the control server;

[0204] The effective time search module 705 is used to search for the effective time of the recorded appropriateness rule to be tested for the user based on the user identifier and the user's ticket information carried in the appropriateness detection request;

[0205] The feedback module 706 is used to feed back the search result to the control server.

[0206] In the technical solution provided by the embodiment of the present invention, the data server determines the suitability rules to be tested based on the market information in the user information of the user provided by the control server, and then searches for the recorded suitability rules to be tested based on the user identification and ticket information in the above user information for the valid time of the user, and finally feeds back the search results to the control server. In this way, the possibility of abnormal risks such as freezing can be effectively reduced, thereby improving the fluency of the overall suitability detection process. In addition, when the user needs to send a related request of the user to the data server in the future based on the ticket information issued by the data server, the request only needs to carry the ticket information, without having to carry the user's password, so that the user does not need to frequently enter the password, making the user's operation more convenient and simplified.

[0207] The embodiment of the present invention further provides an electronic device, such as Fig. 9 As shown, it includes a processor 901 , a communication interface 902 , a memory 903 and a communication bus 904 , wherein the processor 901 , the communication interface 902 , and the memory 903 communicate with each other via the communication bus 904 .

[0208] Memory 903, used for storing computer programs;

[0209] The processor 901 is used to implement the suitability detection scheme provided in the above scheme embodiment when executing the program stored in the memory 903.

[0210] The communication bus mentioned in the above electronic device can be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus, etc. The communication bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, only one thick line is used in the figure, but it does not mean that there is only one bus or one type of bus.

[0211] The communication interface is used for communication between the above electronic device and other devices.

[0212] The memory may include a random access memory (RAM) or a non-volatile memory (NVM), such as at least one disk memory. Optionally, the memory may also be at least one storage device located away from the aforementioned processor.

[0213] The above-mentioned processor can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components.

[0214] In another embodiment provided by the present invention, a computer-readable storage medium is provided, in which a computer program is stored. When the computer program is executed by a processor, the suitability detection scheme provided by the above scheme embodiment is implemented.

[0215] In another embodiment provided by the present invention, a computer program product including instructions is also provided, which, when executed on a computer, enables the computer to execute the suitability detection solution provided in the above method embodiment.

[0216] In the above embodiments, it can be implemented in whole or in part by software, hardware, firmware or any combination thereof. When implemented by software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, the process or function described in the embodiment of the present invention is generated in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions can be stored in a computer-readable storage medium, or transmitted from one computer-readable storage medium to another computer-readable storage medium. For example, the computer instructions can be transmitted from a website site, computer, server or data center to another website site, computer, server or data center by wired (e.g., coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.). The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server or data center that includes one or more available media integrated. The available medium can be a magnetic medium (e.g., a floppy disk, a hard disk, a tape), an optical medium (e.g., a DVD), or a semiconductor medium (e.g., a solid-state hard disk Solid State Disk (SSD)), etc.

[0217] It should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the sentence "comprise a ..." do not exclude the existence of other identical elements in the process, method, article or device including the elements.

[0218] Each embodiment in this specification is described in a related manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0219] The above description is only a preferred embodiment of the present invention and is not intended to limit the protection scope of the present invention. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention are included in the protection scope of the present invention.

Claims

1. A method for detecting suitability, characterized in that: Applied to a control server, the method comprises: In response to a login request from a user sent by a client, sending authentication information of the user to a data server; Obtaining user information of the user fed back by the data server after successful authentication of the user based on the authentication information, wherein the user information of the user includes: a user ID of the user, the ticket information of the user, and market information of a product market to which the financial product held by the user belongs; Cache the user information of the user and feed back the login result to the client; According to the order of priority of the suitability rules corresponding to each product market from high to low, for each suitability rule, search for the market information of the product market corresponding to the suitability rule, the user identifier of the user, and the ticket information of the user from the cached user information, generate a suitability check request for the suitability rule and carrying the found data, send the suitability check request to the data server, and obtain the result of the suitability check performed by the data server on the suitability check request; After each result fed back by the data server is obtained, a suitability detection result is generated, and the generated suitability detection result is sent to the client.

2. The method according to claim 1, characterized in that After obtaining the result fed back by the data server each time, generating the appropriateness detection result includes: After obtaining the result fed back by the data server each time, obtaining a first identifier indicating whether there are still appropriateness rules that have not been checked for appropriateness; Determine a prompt for an appropriateness rule corresponding to the result fed back by the data server; Generate an appropriateness detection result including the first identifier, the result fed back by the data server and the determined prompt.

3. The method according to claim 2, characterized in that The obtaining of a first flag indicating whether there are still appropriateness rules that have not been subjected to appropriateness check includes: Based on the first priority mark, detecting whether there are still appropriateness rules that have not been checked for appropriateness, wherein the first priority is: the priority of the appropriateness rule corresponding to the result fed back by the data server; If so, determining the second priority mark as the first mark indicating that there are still appropriateness rules that have not been checked for appropriateness, wherein the second priority is: the next priority lower than the first priority; If not present, the preset suitability detection completion mark is determined as the first mark.

4. The method according to any one of claims 1 to 3, characterized in that After feeding back the login result to the client, the method further includes: receiving a detection instruction sent by the client; if the detection instruction instructs the control server to perform a suitability check, executing the steps of searching, for each suitability rule in descending order of priority of the suitability rules corresponding to each product market, the market information of the product market corresponding to the suitability rule, the user identifier of the user, and the ticket information of the user from the cached user information; and / or The method further comprises: Obtaining a newly added suitability rule corresponding to the product market; determining a second identifier of a priority of the newly added suitability rule; Determine, in descending order of priority, the insertion position of the second identifier in the identifiers of the existing priorities; Inserting the second identifier into the insertion position, and adjusting the values ​​of the identifiers of the priorities located at and after the insertion position; and / or The priority of the suitability rules for each product market is determined based on at least one of the following information: The importance of the suitability rule; the risk level of the suitability rule; and / or After obtaining the result fed back by the data server each time, generating the appropriateness detection result includes: Each time after obtaining the result fed back by the data server, the suitability detection result is generated in the following manner: if the result fed back by the data server includes the effective time of the detected suitability rule, when the current time is not later than the effective time, a detection result is generated indicating that the detected suitability rule is valid; if the current time is later than the effective time, a detection result is generated indicating that the detected suitability rule is invalid; if the result fed back by the data server does not include the effective time, a detection result is generated indicating that the user has not signed the detected suitability rule.

5. A method for detecting suitability, characterized in that: Applied to a data server, the method comprises: Receiving authentication information sent by the control server based on a user's login request; authenticating the user based on the authentication information; If the user authentication is successful, the user information of the user is sent to the control server, wherein the user information of the user includes: the user identification of the user, the ticket information of the user and the market information of the product market to which the financial product held by the user belongs; In response to receiving the suitability detection request sent by the control server, determining the suitability rule to be detected based on market information of the product market corresponding to the suitability rule carried in the suitability detection request; Based on the user identifier of the user and the ticket information of the user carried in the suitability detection request, searching for the recorded validity period of the suitability rule to be detected for the user; Feedback the search result to the control server.

6. A suitability detection system, characterized in that: The system comprises: a client, a control server and a data server; wherein, The client is used to send a user login request to the control server; The control server is used to send the authentication information of the user to the data server in response to the login request; The data server is configured to authenticate the user based on the authentication information, and send the user information of the user to the control server after the user authentication is successful, wherein the user information of the user includes: the user identification of the user, the ticket information of the user, and the market information of the product market to which the financial product held by the user belongs; The control server is further used to cache the user information of the user and feed back the login result to the client; in descending order of the priority of the suitability rules corresponding to each product market, for each suitability rule, search from the cached user information of the user for the market information of the product market corresponding to the suitability rule, the user identifier of the user and the ticket information of the user, generate a suitability check request for the suitability rule and carrying the found data, and send the suitability check request to the data server; The data server is further configured to perform a suitability check on the suitability check request; The control server is further configured to obtain a result of the suitability detection performed by the data server on the suitability detection request; each time after obtaining a result fed back by the data server, generate a suitability detection result, and send the generated suitability detection result to the client; The client is also used to display the received suitability detection result.

7. The system according to claim 6, characterized in that The performing suitability check on the suitability rule according to the suitability check request includes: Determining the suitability rule to be tested based on the market information of the product market corresponding to the suitability rule carried in the suitability test request; Based on the user identifier of the user and the ticket information of the user carried in the suitability detection request, the recorded validity time of the suitability rule to be detected for the user is searched.

8. A suitability detection device, characterized in that: Applied to a control server, the device comprises: A first sending module, configured to send authentication information of a user to a data server in response to a login request of a user sent by a client; A first obtaining module is used to obtain user information of the user fed back by the data server after the user is successfully authenticated based on the authentication information, wherein the user information of the user includes: the user identification of the user, the ticket information of the user, and the market information of the product market to which the financial product held by the user belongs; A user information cache module, used to cache the user information of the user and feed back the login result to the client; A second obtaining module is used to search for the market information of the product market corresponding to the suitability rule, the user identifier of the user, and the ticket information of the user from the cached user information for each suitability rule in descending order of priority of the suitability rules corresponding to the product markets, generate a suitability detection request for the suitability rule and carrying the found data, send the suitability detection request to the data server, and obtain a result of the suitability detection performed by the data server on the suitability detection request; The second sending module is used to generate a suitability detection result each time after obtaining the result fed back by the data server, and send the generated suitability detection result to the client.

9. A suitability detection device, characterized in that: Applied to a data server, the device comprises: An authentication information receiving module, used to receive authentication information sent by the control server based on a user's login request; An authentication information authentication module, used to authenticate the user based on the authentication information; A user information sending module, configured to send the user information of the user to the control server if the authentication information authentication module successfully authenticates the user, wherein the user information of the user includes: the user identification of the user, the ticket information of the user, and the market information of the product market to which the financial product held by the user belongs; A third determination module, configured to, in response to receiving the suitability detection request sent by the control server, determine the suitability rule to be detected based on the market information of the product market corresponding to the suitability rule carried in the suitability detection request; An effective time search module, used to search for the effective time of the recorded appropriateness rule to be detected for the user based on the user identifier of the user and the ticket information of the user carried in the appropriateness detection request; A feedback module is used to feed back the search result to the control server.

10. An electronic device, characterized in that: It includes a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory communicate with each other through the communication bus; Memory, used to store computer programs; A processor, for implementing the method steps described in any one of claims 1-4 and 5 when executing a program stored in a memory.

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