Financial data processing method and system, storage medium and electronic equipment

Abstract

The invention discloses a financial data processing method and system, a storage medium and electronic equipment, and relates to the field of financial science and technology. The method comprises the following steps: detecting whether a purchase request about a target financial product submitted by a user meets a preset access condition or not; when it is detected that the purchase request meets the access condition, obtaining product information of a target financial product that the user applies to purchase and user information of the user, and determining interest rate information set for the user to purchase the target financial product according to the product information and the user information; and according to the product information of the target financial product that the user applies to purchase, the user information of the user and the interest rate information set for the user to purchase the target financial product, determining a transaction risk score of the user to purchase the target financial product. The technical problem of low management efficiency of financial data such as deposit transaction data in the prior art is solved.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and specifically, to a method, system, storage medium and electronic device for processing financial data. Background Art

[0002] Driven by the rapid development of the global financial market and the personalization and diversification of customer needs, the management process of traditional bank term deposit products is facing unprecedented challenges and opportunities. The traditional management method of term deposit products is limited by the degree of refinement of interest rate management, the flexibility of product quotas and the intelligent level of approval process, and it is difficult to meet the two-way needs of the market and customers.

[0003] The traditional management methods of time deposit products mainly have the following problems: First, the interest rate management of time deposit products is not refined enough, and it is usually impossible to set differentiated preferential interest rate tiered pricing strategies; second, product quota management is not flexible enough, and quota control management based on interest rate ranges is not implemented; third, floating interest rate approval is generally carried out through email, offline and other methods, with high communication costs, insufficient intelligence, and low financial data management efficiency.

[0004] To address the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0005] The main purpose of the present application is to provide a method, system, storage medium and electronic device for processing financial data, so as to at least solve the technical problem of low efficiency in the management of financial data such as deposit transaction data in the prior art.

[0006] In order to achieve the above-mentioned purpose, according to one aspect of an embodiment of the present application, a method for processing financial data is provided, including: detecting whether a purchase request submitted by a user for a target financial product meets a preset access condition, wherein the access condition is a minimum purchase requirement for the target financial product; when it is detected that the purchase request meets the access condition, obtaining product information of the target financial product applied for by the user and user information of the user, and determining interest rate information set for the user to purchase the target financial product based on the product information and user information; determining a transaction risk score for the user to purchase the target financial product based on the product information of the target financial product applied for by the user, the user information of the user, and the interest rate information set for the user to purchase the target financial product, wherein the transaction risk score is used to quantify the degree of transaction risk in the form of a score.

[0007] Optionally, the access conditions include at least one of the following conditions: a first condition, used to constrain the minimum purchase amount and / or maximum purchase amount of the target financial product; a second condition, used to constrain the sales objects of the target financial product; a third condition, used to constrain the sales channels of the target financial product.

[0008] Optionally, after detecting that the purchase request satisfies the access conditions, the method further includes: when detecting that the interest rate increase included in the purchase request is higher than the maximum interest rate increase corresponding to the target institution, generating an interest rate application request and sending it to the interest rate approval subsystem, wherein the target institution is the financial institution that receives the purchase request, and after receiving the interest rate application request, the interest rate approval subsystem notifies the superior institution of the target institution to review whether to approve the interest rate increase included in the purchase request.

[0009] Optionally, the method also includes: determining the profit of the user within the target time after purchasing the target financial product; after the user successfully purchases the target financial product, generating a target order based on the product information of the target financial product, the purchase amount of the user, and the profit of the user within the target time after purchasing the target financial product; and processing the user's financial transactions when purchasing or selling the target financial product according to the target order.

[0010] Optionally, before determining the interest rate information set for the user to purchase the target financial product based on the product information and the user information, the method also includes: determining the process configuration information corresponding to each interest rate approval process, wherein the process configuration information includes the configuration information of the approval role, the personnel information corresponding to the approval role, and the interaction relationship between multiple approval roles; notifying the personnel corresponding to the approval role to approve and transfer the application request regarding the interest rate according to the process configuration information, wherein the product information of the target financial product, the user information of the user, and the transaction risk score of the user purchasing the target financial product are also obtained during the approval process of the application request as approval reference information; after the application request and the purchase request are approved, updating the sales amount of the target financial product by the first institution, wherein the first institution is the institution that sells the target financial product to the user.

[0011] Optionally, determining the process configuration information corresponding to each interest rate approval process includes: determining the process configuration information corresponding to each interest rate approval process according to a first parameter and / or a second parameter, wherein the first parameter is used to characterize the maximum interest rate increase range for the target financial product set for financial institutions of different levels; and the second parameter is used to characterize the remaining sales amount for the target financial product set for financial institutions of different levels.

[0012] Optionally, before determining the transaction risk score for the user's purchase of the target financial product based on the product information of the target financial product applied for purchase by the user, the user information of the user, and the interest rate information set for the user to purchase the target financial product, the method also includes: configuring the interest rate range of the financial products managed by the financial institution, and configuring the financial product sales amount corresponding to the level of the financial institution.

[0013] Optionally, after configuring the sales quota of financial products corresponding to the level of financial institutions, the method also includes: performing any of the following operations on financial products being sold by financial institutions of different levels: modifying the quota of financial products being sold; recovering the quota of financial products being sold, wherein the quota recovery operation is used to recover the remaining unsold quota in the first-level financial institution to the second-level financial institution, and the second-level financial structure is the superior institution of the first-level financial institution; locking the quota of financial products being sold in a transaction state, wherein the quota locking operation is used to occupy and lock the quota in the transaction process; and writing off the quota of financial products being sold, wherein the quota writing-off operation is used to deduct or return the quota when the transaction of the financial products being sold is successful.

[0014] Optionally, a transaction risk score for the user's purchase of the target financial product is determined based on product information of the target financial product applied for purchase by the user, user information of the user, and interest rate information set for the user to purchase the target financial product, including: detecting whether the user identification of the user is recorded in a target list, and obtaining a first detection result, wherein the users in the target list have abnormal transaction behavior; detecting whether the user's purchase of the target financial product is an abnormal transaction behavior through a target model based on product information of the target financial product applied for purchase by the user, user information of the user, and interest rate information set for the user to purchase the target financial product, and obtaining a second detection result, wherein the target model is a rule model constructed based on known abnormal transaction rules or a neural network model constructed based on known abnormal transaction behavior characteristics; and determining the transaction risk score based on the first detection result and the second detection result.

[0015] According to another aspect of the present application, a financial data processing system is also provided, including: a term deposit management subsystem, used to determine whether a purchase request submitted by a user regarding a target financial product meets preset access conditions, wherein the access conditions are the minimum purchase requirements of the target financial product; an interest rate approval subsystem, used to obtain product information of the target financial product and user information of the user from the term deposit management subsystem when determining whether the purchase request meets the preset access conditions, and approve the interest rate information set for the user to purchase the target financial product based on the product information and user information; a risk quantification assessment subsystem, used to determine a transaction risk score for the user to purchase the target financial product based on the product information of the target financial product, the user information of the user, and the interest rate information set for the user to purchase the target financial product, wherein the transaction risk score is used to quantify the degree of transaction risk in the form of a score.

[0016] According to another aspect of an embodiment of the present application, there is also provided an electronic device, comprising: a memory storing an executable program; and a processor for running the program, wherein the above-mentioned method for processing financial data is executed when the program is running.

[0017] According to another aspect of an embodiment of the present application, a computer-readable storage medium is also provided, the computer-readable storage medium including a stored executable program, wherein when the executable program runs, the device where the computer-readable storage medium is located is controlled to execute the above-mentioned method for processing financial data.

[0018] According to another aspect of an embodiment of the present application, a computer program product is also provided, including computer instructions, which implement the steps of the above-mentioned financial data processing method when executed by a processor.

[0019] In an embodiment of the present application, a method for processing financial data is proposed, including: determining whether a purchase request for a target financial product submitted by a user meets a preset access condition, wherein the access condition is a minimum purchase requirement for the target financial product; receiving product information of the target financial product applied for by the user and user information of the user from a time deposit management subsystem, and approving interest rate information set for the user to purchase the target financial product based on the product information and user information; determining a transaction risk score for the user to purchase the target financial product based on the product information of the target financial product applied for by the user, the user information of the user, and the interest rate information set for the user to purchase the target financial product, wherein the transaction risk score is used to quantify the degree of transaction risk in the form of a score.

[0020] First, ensure that the purchase request for the target financial product submitted by the user meets the preset access conditions. The access conditions strictly limit the minimum purchase requirements of the target financial product, including but not limited to the minimum deposit amount, customer type and sales channel, so as to ensure that only qualified customers can make purchases, laying a solid foundation for subsequent business processes.

[0021] Secondly, after receiving the target financial product information that the user applies to purchase, the floating interest rate for a specific user is intelligently approved according to the preset approval rules. This allows the interest rate to be flexibly adjusted according to the circumstances of different users, providing personalized services while ensuring the compliance and rationality of interest rate setting, avoiding the rigidity and inefficiency of the traditional approval process, and greatly improving the level of intelligent approval and customer satisfaction.

[0022] Finally, based on the financial product purchase request submitted by the user, the product information, user background and floating interest rate information are comprehensively considered, and the potential risks of the user's purchase behavior are accurately quantified through data models and algorithms, and presented in the form of transaction risk scores to provide a scientific basis for approval decisions. The introduction of this subsystem has significantly improved the accuracy and efficiency of risk control, protected the interests of both banks and customers, reduced the probability of bad transactions, and provided strong support for the stable operation of financial services.

[0023] It can be seen that through the technical solution of this application, the goal of intelligent management of the entire process of time deposit certificate business from customer access, interest rate approval, quota control to risk assessment has been achieved, thereby achieving the technical effect of improving the efficiency of financial business processing and risk management capabilities, and further solving the technical problem of low efficiency in the management of financial data such as deposit transaction data in the existing technology. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0025] Figure 1 is a flowchart of an optional method for processing financial data according to an embodiment of the present application;

[0026] Figure 2 is a system structure diagram of an optional financial data processing system according to an embodiment of the present application;

[0027] Figure 3 is a schematic diagram of an optional time deposit product management subsystem according to an embodiment of the present application;

[0028] Figure 4 is a schematic diagram of an optional floating interest rate approval subsystem according to an embodiment of the present application;

[0029] Figure 5 is a schematic diagram of an optional quota control subsystem according to an embodiment of the present application;

[0030] Figure 6 is a schematic diagram of an optional risk quantification assessment subsystem according to an embodiment of the present application;

[0031] Figure 7 It is a flow chart of floating interest rate approval and quota control provided according to the embodiment of the present application;

[0032] Figure 8 It is a structural block diagram of an electronic device according to an embodiment of the present application. DETAILED DESCRIPTION

[0033] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0034] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0035] It should also be noted that the collected information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this application are information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data are in compliance with relevant laws, regulations and standards, necessary confidentiality measures are taken, and public order and good customs are not violated, and corresponding operation entrances are provided for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or institutions to provide users with corresponding operation entrances for users to choose to agree or refuse the results of automated decision-making; if the user chooses to refuse, the expert decision-making process will be entered.

[0036] According to an embodiment of the present application, an embodiment of a method for processing financial data is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0037] Figure 1 is a flowchart of an optional method for processing financial data according to an embodiment of the present application, such as Figure 1 As shown, the following steps are included:

[0038] Step S101 , detecting whether a purchase request for a target financial product submitted by a user satisfies a preset access condition, wherein the access condition is a minimum purchase requirement for the target financial product.

[0039] Optionally, Figure 2 is a system structure diagram of an optional financial data processing system according to an embodiment of the present application. Figure 2 As shown, the system includes: a time deposit certificate management subsystem, which is used to determine whether the purchase request for the target financial product submitted by the user meets the preset access conditions, wherein the access conditions are the minimum purchase requirements of the target financial product.

[0040] Optionally, the term deposit certificate product management subsystem mainly provides users with term deposit certificate products and corresponding services.

[0041] Optionally, the services of the term deposit product management subsystem mainly include the following scenarios: first, achieving customer access to term products; second, in the case of interest rate increases exceeding the interest rate configuration range, insufficient current credit limit configuration, etc., reminding the teller to initiate a product floating interest rate approval application to the floating interest rate approval system, and complete the purchase after the application is approved; third, deducting customer funds, opening a term deposit, calculating the interest on maturity, and completing the functions of checking, recording, and calculating the accounts of both the borrower and the lender.

[0042] Optionally, the term deposit management subsystem is assigned the key pre-review responsibility, namely, to determine with high accuracy and efficiency whether the purchase request submitted by the user for the target financial product strictly meets the preset access conditions.

[0043] Optionally, entry conditions are set to establish clear thresholds for financial transactions, including but not limited to minimum purchase amounts for target products, specific customer group attributes, and authorized sales channels, to ensure that each transaction is based on compliance and appropriateness.

[0044] Step S102, when it is detected that the purchase request meets the access conditions, obtain the product information of the target financial product applied for by the user and the user information of the user, and determine the interest rate information set for the user to purchase the target financial product based on the product information and the user information.

[0045] Alternatively, if Figure 2 As shown, the financial data processing system also includes an interest rate approval subsystem, which is used to receive product information of the target financial product that the user applies to purchase and user information of the user from the time deposit certificate management subsystem, and approve the interest rate information set for the user to purchase the target financial product based on the product information and user information.

[0046] Optionally, the interest rate approval subsystem is responsible for receiving the deposit certificate application information sent by the user, including the deposit amount, deposit term, expected interest rate and other information. At the same time, the user's deposit certificate application is approved according to the preset approval rules and risk assessment model. The approval rules include but are not limited to the user's credit score, deposit amount limit, interest rate floating range, etc. If the customer has purchased or expired, the application will be invalidated.

[0047] Optionally, when a user submits a purchase request for a target financial product, especially when an interest rate increase is involved, the interest rate approval subsystem immediately activates its sophisticated approval mechanism. The interest rate approval subsystem will evaluate user information, including but not limited to credit score, asset status, historical transaction records, etc., and also consider product information, such as product type, market positioning, risk level, etc., to ensure that the set interest rate information meets the bank's risk control standards.

[0048] In addition, if Figure 2 As shown, the financial data processing system also includes a quota control subsystem for configuring the interest rate range of the financial products managed in the interest rate approval subsystem, and configuring the financial product sales quota corresponding to the level of the financial institution.

[0049] Optionally, the quota control subsystem provides intelligent process control and quota allocation mechanism for the floating interest rate approval of certificate of deposit products through quota configuration management at all levels of the bank.

[0050] Optionally, the core function of the quota control subsystem is to make fine configuration of interest rate ranges and product sales quotas for financial products approved in the interest rate approval subsystem, ensuring that the bank can effectively control capital flow risks and achieve optimal allocation of resources while providing personalized interest rate services.

[0051] Optionally, the credit limit control subsystem configures the interest rate range for financial products managed in the interest rate approval subsystem, allowing banks to set flexible interest rate ranges based on different market environments and product characteristics to ensure that the interest rate level of the target financial products is attractive to customers.

[0052] Optionally, based on the level of the financial institution, the quota control subsystem can intelligently allocate and manage the sales quota of each financial product.

[0053] Step S103, determining a transaction risk score for the user's purchase of the target financial product based on the product information of the target financial product applied for by the user, the user information of the user, and the interest rate information set for the user to purchase the target financial product, wherein the transaction risk score is used to quantify the degree of transaction risk in the form of a score.

[0054] Alternatively, if Figure 2As shown, the financial data processing system also includes a risk quantification assessment subsystem, which is used to determine the transaction risk score of the user purchasing the target financial product based on the product information of the target financial product applied for by the user, the user information of the user, and the interest rate information set for the user to purchase the target financial product, wherein the transaction risk score is used to quantify the degree of transaction risk in the form of a score.

[0055] Optionally, the risk quantification assessment subsystem obtains user-related data through the background, conducts intelligent risk quantification assessment on the floating rate approval of time deposit certificates, assists approval personnel at all levels in carrying out the approval of certificate of deposit applications, and reduces the risk of bad transactions.

[0056] Optionally, the risk quantification assessment subsystem first integrates the detailed attributes of the target financial product, including product type, term, interest rate benchmark, etc., with user information, such as credit history, capital status, transaction behavior, etc., to conduct a multi-dimensional cross-analysis.

[0057] Optionally, the risk quantification assessment subsystem specifically takes interest rate information into consideration, and further deepens the understanding of transaction risks by analyzing the relationship between interest rates and market fluctuations, as well as the impact of interest rates on user credit status.

[0058] Optionally, the risk quantification assessment subsystem uses advanced risk assessment models and algorithms to quantify the risk of each transaction. This score not only covers traditional financial risks, such as credit risk and market risk, but may also include emerging risk types, such as online fraud risk and abnormal transaction risk.

[0059] From the above content, it can be seen that the financial data management system proposed in this application is composed of four core subsystems, each of which plays an indispensable role and together builds an efficient, intelligent and secure business processing platform. First of all, the term deposit management subsystem is the foundation of the entire financial data management system. Its core responsibility is to ensure that the purchase request submitted by the user for the target financial product meets the preset access conditions. The access conditions strictly limit the minimum purchase requirements of the target financial product, including but not limited to the minimum deposit amount, customer type and sales channel, so as to ensure that only qualified customers can make purchases, laying a solid foundation for subsequent business processes.

[0060] Secondly, the interest rate approval subsystem is responsible for receiving information about the target financial products that users apply to purchase, including product details and user profiles, and intelligently approving floating interest rates for specific users based on preset approval rules. This subsystem can flexibly adjust interest rates according to the circumstances of different users, provide personalized services, and ensure the compliance and rationality of interest rate settings, avoiding the rigidity and inefficiency of traditional approval processes, and greatly improving the level of intelligent approval and customer satisfaction.

[0061] Then, the quota control subsystem is the key to ensure the healthy operation of financial products. Its main task is to configure the interest rate range of financial products managed in the interest rate approval subsystem, and dynamically manage the sales quota of financial products corresponding to the level of financial institutions. Through intelligent quota configuration and management, this system can effectively control the bank's capital flow risk, achieve optimal allocation of resources, ensure that high-interest products can respond to the market quickly, and avoid excessive concentration of funds in a single product, thereby ensuring the bank's financial health and market competitiveness.

[0062] Finally, the core function of the risk quantification assessment subsystem is to comprehensively consider product information, user background and floating interest rate information based on the financial product purchase request submitted by the user, and accurately quantify the potential risks of the user's purchase behavior through data models and algorithms, and present it in the form of transaction risk scores to provide a scientific basis for approval decisions. The introduction of this subsystem has significantly improved the accuracy and efficiency of risk control, protected the interests of both banks and customers, reduced the probability of bad transactions, and provided strong support for the stable operation of financial services.

[0063] It can be seen that through the technical solution of this application, the goal of intelligent management of the entire process of time deposit certificate business from customer access, interest rate approval, quota control to risk assessment has been achieved, thereby achieving the technical effect of improving the efficiency of financial business processing and risk management capabilities, and further solving the technical problem of low efficiency in the management of financial data such as deposit transaction data in the existing technology.

[0064] In an optional embodiment, the access conditions include at least one of the following conditions: a first condition, used to constrain the minimum purchase amount and / or maximum purchase amount of the target financial product; a second condition, used to constrain the sales objects of the target financial product; a third condition, used to constrain the sales channels of the target financial product.

[0065] Optionally, the term deposit management subsystem in the financial data processing system includes: an accurate condition judgment component. The accurate condition judgment component is used to judge whether the purchase request for the target financial product submitted by the user meets at least one of the following conditions: a first condition, which is used to constrain the minimum purchase amount and / or maximum purchase amount of the target financial product; a second condition, which is used to constrain the sales object of the target financial product; and a third condition, which is used to constrain the sales channel of the target financial product.

[0066] Optionally, an accurate condition judgment component is used to intelligently determine whether the purchase request submitted by the user for the target financial product meets a series of access conditions, which constitute the starting point of the personalized financial journey and ensure the accurate connection and efficient operation of banking services.

[0067] Optionally, the first condition is used to constrain the minimum purchase amount and / or maximum purchase amount of the target financial product. By reviewing the user's application amount, the financial data management system ensures that each transaction meets the preset minimum capital requirement.

[0068] Optionally, the second condition is used to restrict the sales targets of the target financial product. Based on the user's personal information, including but not limited to occupational status, credit rating, historical transaction records, etc., the financial data management system can accurately identify whether the user belongs to the specific customer group targeted by the target financial product.

[0069] Optionally, the third condition is used to constrain the sales channel of the target financial product. The financial data management system intelligently checks whether the user's application channel is a formal sales channel authorized by the bank, such as online banking, mobile phone applications or cooperative third-party institutions.

[0070] From the above content, it can be seen that through comprehensive consideration of the above conditions, the term deposit management subsystem can quickly and accurately customize personalized financial products for users, and provide solid data support for subsequent floating interest rate approval, quota control, risk assessment and other processes.

[0071] In an optional embodiment, the time deposit management subsystem in the financial data processing system includes: an interest rate request component. The interest rate request component is used to generate an interest rate application request and send it to the interest rate approval subsystem when it is detected that the interest rate increase included in the purchase request is higher than the maximum interest rate increase corresponding to the target institution. The target institution is a financial institution that receives the purchase request. After receiving the interest rate application request, the interest rate approval subsystem notifies the superior institution of the target institution to review whether to approve the interest rate increase included in the purchase request.

[0072] Optionally, the interest rate request component first captures and parses the purchase request submitted by the user in real time, extracts key information such as purchase amount, deposit term and expected interest rate increase, and then compares it with the maximum interest rate increase preset by the target institution. The monitoring algorithm can quickly identify whether the interest rate increase in the request is compliant. Once it is detected that the interest rate increase exceeds the policy range, the system will immediately mark the request as abnormal and initiate an early warning process to alert bank managers to potential interest rate risks.

[0073] Optionally, if the monitoring results show that the user's desired interest rate increase exceeds the target institution's authority, the interest rate request component automatically triggers the generation of an interest rate application request. This request will record the user information, purchase request details, and the excess interest rate increase in detail, providing comprehensive background information for subsequent approval.

[0074] Optionally, in order to ensure secure data transmission, the interest rate request component will encapsulate and encrypt the generated interest rate application request, and use a bank-level security protocol to ensure the confidentiality and integrity of the information during transmission.

[0075] From the above content, it can be seen that the term deposit management subsystem can not only monitor in real time and automatically process purchase requests with interest rate increases exceeding the limit, but also efficiently submit these requests to the interest rate approval subsystem through automated applications and intelligent routing, providing a set of intelligent, secure and efficient solutions for the bank's interest rate decision-making.

[0076] In an optional embodiment, the term deposit management subsystem in the financial data processing system includes a maturity income determination component, an order generation component, and a fund settlement component. Among them, the maturity income determination component is used to determine the income of the user within the target time after purchasing the target financial product; the order generation component is used to generate a target order according to the product information of the target financial product, the user's purchase amount, and the income of the user within the target time after purchasing the target financial product after the user successfully purchases the target financial product; the fund settlement component is used to process the user's fund transaction when purchasing or selling the target financial product according to the target order.

[0077] Optionally, the maturity yield determination component can calculate the user's expected yield within the target time in real time based on the target financial product information purchased by the user, combined with the user's purchase amount and market interest rate. Relying on the precise yield calculation model built into the financial data management system, the user's investment return can be quickly and accurately estimated, providing data support for users to make wise financial decisions.

[0078] Optionally, when the user successfully purchases the target financial product, the order generation component automatically generates a detailed target order based on the details of the financial product and the user's purchase amount.

[0079] Optionally, at the critical moment when the user buys or sells the target financial product, the fund settlement component can automatically complete all steps of the relevant fund transaction, including but not limited to fund transfer, account balance update, transaction record archiving, etc. The close integration of the management system based on financial data and the core transaction system of the bank ensures the security and efficiency of each fund transaction.

[0080] From the above content, it can be seen that the maturity yield determination component in the financial data processing system is used to determine the user's yield within the target time after purchasing the target financial product. The order generation component is used to generate a target order based on the product information of the target financial product and the user's purchase amount after the user successfully purchases the target financial product. The fund settlement component is used to complete the user's fund transaction when purchasing or selling the target financial product. Through the three major functions of yield estimation, automatic order generation and seamless processing of fund transactions, it not only provides users with a transparent and accurate preview of investment returns, but also simplifies the purchase process, ensures the security and efficiency of fund transactions, and builds a highly automated and customer-friendly financial service process.

[0081] In an optional embodiment, the interest rate approval subsystem in the financial data processing system includes: an approval process control component, an approval circulation component, and a quota management linkage component. Among them, the approval process control component is used to determine the process configuration information corresponding to each interest rate approval process, wherein the process configuration information includes the configuration information of the approval role, the personnel information corresponding to the approval role, and the interaction relationship between multiple approval roles; the approval circulation component is used to notify the personnel corresponding to the approval role to approve and circulate the application request for the interest rate according to the process configuration information, and the approval circulation component is also used to obtain the product information of the target financial product, the user information of the user, and the transaction risk score of the user purchasing the target financial product as approval reference information during the approval process of the application request; the quota management linkage component is used to link the quota control subsystem to update the sales quota of the first institution on the target financial product after the purchase request is approved, wherein the first institution is the institution that sells the target financial product to the user.

[0082] Optionally, the approval process control component can dynamically determine the corresponding approval process configuration information according to the specific circumstances of each interest rate approval, including but not limited to the application amount, interest rate increase range, complexity of the purchase request, etc.

[0083] Optionally, based on the above-mentioned intelligently determined process configuration information, the approval circulation component can automatically notify personnel corresponding to relevant approval roles, including approval managers of institutions at all levels, to promptly approve and circulate interest rate application requests.

[0084] Optionally, after the user's purchase request is approved, the credit limit management linkage component can be linked to the credit limit control subsystem to automatically update the first institution (such as a bank outlet or branch) regarding the sales credit limit of the target financial product.

[0085] From the above content, it can be seen that the financial data processing system first determines the corresponding process configuration information in each interest rate approval process, and then notifies the personnel corresponding to the approval role to approve and transfer the application request for the interest rate according to the process configuration information. Finally, after the purchase request is approved, the linkage quota control subsystem updates the first institution's sales quota for the target financial product. Through its intelligent approval process intelligent control and linkage quota update mechanism, it not only improves the efficiency and accuracy of interest rate approval, but also realizes the dynamic adjustment of quota control.

[0086] In an optional embodiment, the approval process control component in the financial data processing system includes: a parameter calling module and a process configuration module. The parameter calling module is used to call at least one of the following parameters: a first parameter, which is used to characterize the maximum interest rate increase range set for financial institutions of different levels for target financial products; a second parameter, which is used to characterize the remaining sales amount of target financial products set for financial institutions of different levels; and a process configuration module, which is used to determine the corresponding process configuration information in each interest rate approval process according to the first parameter and / or the second parameter.

[0087] Optionally, the parameter calling module can automatically call at least one of the following parameters according to the specific circumstances of the approval request, including the first parameter and the second parameter, as the core basis for constructing the approval process configuration information. The first parameter usually refers to indicators related to customer credit assessment, such as credit score, historical transaction records, etc.; the second parameter involves the bank's internal management and market strategy adjustments, such as the current market interest rate environment, the bank's interest rate policy, product quota configuration, etc.

[0088] Optionally, based on the calling parameters, the financial data processing system can dynamically determine the corresponding process configuration information in each interest rate approval process, including key control points such as approval level, approval authority, and approval time limit.

[0089] Optionally, by calling key parameters and dynamic process configuration, the interest rate approval subsystem can build an intelligent approval mechanism to ensure that each approval is both a scientific decision based on data and a compliant operation that complies with market strategies and risk control requirements.

[0090] From the above content, it can be seen that the financial data processing system determines the corresponding process configuration information in each interest rate approval process by calling the first parameter or the second parameter, and then calling the parameter of the parameter calling module according to the parameter. This not only realizes the refined management of the approval process, but also ensures the data-driven and market adaptability of the approval decision.

[0091] In an optional embodiment, the credit control subsystem in the financial data processing system includes: a credit update component. The credit update component is used to perform any of the following operations on financial products being sold by financial institutions of different levels: modify the credit limit of financial products being sold; recover the credit limit of financial products being sold, wherein the credit limit recovery operation is used to recover the remaining unsold credit limit in the first-level financial institution to the second-level financial institution, and the second-level financial structure is the superior institution of the first-level financial institution; lock the credit limit of financial products being sold in a transaction state, wherein the credit limit locking operation is used to occupy and lock the credit limit in the transaction process; write-off the credit limit of financial products being sold, wherein the credit limit write-off operation is used to deduct or return the credit limit if the transaction of the financial products being sold is successful.

[0092] Optionally, the quota update component allows banks at all levels to modify the quotas of financial products being sold. Based on the real-time monitoring and analysis of the market performance of financial products by the quota update component, the product quota can be modified in a timely manner according to changes in product demand, fluctuations in the market environment, and adjustments to bank strategies.

[0093] Optionally, the credit limit update component also provides a credit limit recovery function, allowing the bank to recover the financial product credit limits of subordinate institutions when necessary to optimize resource allocation and risk control across the bank.

[0094] Optionally, when a financial product is in a transaction state, the quota update component can automatically lock the quota of the relevant product to prevent the quota from being occupied by other operations during the transaction, thereby ensuring the security and smooth execution of the transaction.

[0095] Optionally, the credit limit write-off operation allows the bank to automatically write off the used credit limit after the financial product transaction settlement is completed, ensuring the accuracy and real-time update of credit limit information.

[0096] From the above content, it can be seen that the quota control subsystem, through its comprehensive quota management functions, not only provides banks with refined and intelligent management capabilities for financial product quotas, but also ensures the market flexibility and transaction security of financial products.

[0097] In an optional embodiment, the risk quantification assessment subsystem in the financial data processing system includes: a list verification component, a model recognition component, and a score determination component. Among them, the list verification component is used to detect whether the user identification of the user is recorded in the target list to obtain a first detection result. Among them, the users in the target list have abnormal transaction behavior; the model recognition component is used to detect whether the user's purchase of the target financial product is an abnormal transaction behavior based on the product information of the target financial product applied by the user, the user information of the user, and the interest rate information set for the user to purchase the target financial product through the target model, and obtain a second detection result. Among them, the target model is a rule model constructed based on known abnormal transaction rules or a neural network model constructed based on known abnormal transaction behavior characteristics; the score determination component is used to determine the transaction risk score based on the output result of the list verification component and the output result of the model recognition component.

[0098] Optionally, the risk quantification assessment subsystem will first detect whether the user's user identification (such as account number, identity information, etc.) is recorded in the target list, which usually contains known abnormal transaction actors or high-risk groups. By comparing with the target list, the system can quickly identify potential high-risk users, providing important clues for subsequent risk assessment and control.

[0099] Optionally, in response to a user's purchase request, the risk quantification assessment subsystem will intelligently analyze the product information of the target financial product, the user's information, and the interest rate information set for the user, and identify whether the user has abnormal trading behavior through the built-in risk control model.

[0100] Optionally, after collecting and analyzing all relevant data, the risk quantification assessment subsystem can intelligently determine whether the user's purchase of the target financial product is an abnormal transaction behavior based on the results of the list verification and model recognition.

[0101] Optionally, the risk quantification assessment subsystem comprehensively assesses and quantifies the risk level of user transactions through the output results of the list verification and model recognition components, and generates a transaction risk score. This scoring mechanism converts complex risk characteristics into intuitive numerical scores, providing data support for the bank's risk management and decision-making.

[0102] From the above content, it can be seen that the risk quantification assessment subsystem not only improves the bank's ability to identify and control financial transaction risks through its list verification, model identification, abnormal transaction behavior determination and transaction risk scoring functions, but also provides banks with data-based decision support.

[0103] It can be seen from the above content that according to the technical solution of this application, at least the following technical effects can be achieved:

[0104] (1) Improve approval efficiency: Through the automated approval mechanism, the approval time for certificate of deposit applications is greatly shortened, thereby improving business processing efficiency.

[0105] (2) Risk reduction: Through risk assessment models and risk control systems, we can accurately quantify and effectively monitor the risks of certificate of deposit business, thereby reducing business risks.

[0106] (3) Controlling interest payment costs: By allocating interest rate increases and quota control products in a targeted manner, we can effectively control interest payment costs and provide benefits to the financial industry.

[0107] (4) Regional tiered pricing: Implement tiered management of interest rates and differentiated pricing in different branch regions, making interest rate settings more flexible.

[0108] In an optional embodiment, Figure 3 A schematic diagram of an optional term deposit product management subsystem according to an embodiment of the present application is shown. The term deposit product management subsystem includes: a term purchase access function; a floating interest rate approval system function for exceeding the floating interest rate range; a maturity yield calculation function; a term deposit generation function; and a fund settlement function. Among them:

[0109] (1) Regular purchase access function: Determine whether the customer meets the access conditions for purchasing the regular product, including: minimum deposit amount (the minimum deposit amount for regular purchases is RMB 50), customer group (payroll customers, credit card customers, etc.), sales channel (configuration supports third-party cooperation channels and internal online channels), etc.

[0110] (2) When the floating interest rate exceeds the floating interest rate range, the teller will be reminded to submit an application to the floating interest rate approval system for the specific customer and purchase a fixed-term product with a specified floating interest rate for the customer after approval.

[0111] (3) Maturity Yield Calculation Function: Calculate and determine the maturity interest of the term deposit product based on the interest rate value approved by the floating interest rate. The calculation formula is: Maturity Interest = Account Opening Amount AMOUNT * Term TERM / 360 * Interest Rate RATE / 100.

[0112] (4) Time deposit generation function: Based on the amount + term entered by the customer, the system automatically creates an unactivated deposit certificate and saves the order information (including purchase amount, term, interest due, and customer information) to the database for subsequent display to the customer.

[0113] (5) Funds settlement function: mainly realizes the collection, payment, clearing and settlement of funds between banks and customers, banks and banks, and banks and other institutions.

[0114] In an optional embodiment, Figure 4 A schematic diagram of an optional floating interest rate approval subsystem according to an embodiment of the present application is shown. The floating interest rate approval subsystem includes: deposit certificate application approval function; risk quantification assessment function; approval process control function; approval document circulation function; quota management linkage function; and approval result notification function.

[0115] in:

[0116] (1) Certificate of deposit application approval function: responsible for receiving certificate of deposit interest rate applications sent by the time deposit product system, including information such as deposit amount, deposit term, expected interest rate, etc.

[0117] (2) Risk quantification assessment function: Responsible for receiving customer information collected by the risk quantification assessment system, including information such as online fraud, customer assets, customer star rating, and customer groups.

[0118] (3) Approval process control function: Based on pre-configured rules, including the floating rate of time deposit certificates, the interest rate range configured by institutions at all levels, and the available quota of products, the system intelligently determines and controls the approval flow level, process configuration and other information.

[0119] (4) Approval document circulation function: It enables users at all levels of approval roles to approve and circulate the deposit certificate interest rate application. At the same time, during the approval process, the relevant information of the deposit certificate, customer association information, risk assessment information, etc. can be retrieved in real time to provide information support for the approval users.

[0120] (5) Credit limit management linkage function: It is mainly responsible for linking the credit limit management system to realize automatic deduction of the available credit limit at the corresponding level after approval.

[0121] (6) Approval result notification function: If the approval is passed, the customer will be notified of the purchase via SMS; if the approval fails, the account manager will be notified via SMS or email and the specific reason will be given.

[0122] In an optional embodiment, Figure 5 A schematic diagram of an optional credit limit control subsystem according to an embodiment of the present application is shown. The credit limit control subsystem includes: product interest rate range configuration function; credit limit addition function; credit limit modification function; credit limit recovery function; credit limit locking function; credit limit deduction / return function. Among them:

[0123] (1) Product interest rate range configuration function: configure the interest rate range of each product at the head office level.

[0124] (2) Credit limit addition function: This function enables banks at all levels to allocate product credit limits to lower-level institutions. Credit limits can be added by inputting products and corresponding institutions individually, and batch addition is also supported. At the same time, both individual credit limit control and combined credit limit control are supported.

[0125] (3) Credit limit modification function: Banks at all levels can modify credit limits individually by inputting product information and institution information query. Except for the head office, banks at other levels can only modify the credit limits of subordinate institutions, but not the credit limits of institutions at the same level. Batch credit limit modification is supported by importing / exporting.

[0126] (4) Credit limit recovery function: Enable banks at all levels to manually recover their own credit limits from subordinate institutions, supporting two modes: "full recovery" and "selected recovery". Full recovery: recover all available credit limits of institutions at the same level. Sold and frozen credit limits cannot be recovered. The full recovery function requires separate approval; selected recovery means recovering credit limits of selected institutions, and the recovered credit limits are included in the credit limits of institutions at the same level.

[0127] (5) Credit limit locking function: After the floating interest rate of the corresponding product is approved, the system automatically locks the relevant credit limit to prevent other transactions from occupying the same credit limit and causing the current transaction to fail; the credit limit is automatically unlocked after the lock-up period expires (for example, 7 days).

[0128] (6) Credit limit deduction / refund function: After the term deposit transaction is completed, the credit limit management system receives a successful transaction message from the product management system and automatically deducts the relevant credit limit; when the term deposit expires or is transferred out in advance, the credit limit management system receives a relevant message from the product management system and automatically returns the relevant credit limit.

[0129] In an optional embodiment, Figure 6 The schematic diagram of an optional risk quantification assessment subsystem according to an embodiment of the present application is shown. The risk assessment subsystem includes: user qualification information acquisition function; abnormal transaction risk assessment function; special user sanction risk assessment function; network fraud risk assessment function. Among them:

[0130] (1) User qualification information acquisition function: Automatically obtain the user qualification information related to the deposit certificate application, including: user star rating, user assets, user group, user credit score and other information, and transmit the above information to the floating rate approval system for display and auxiliary approval.

[0131] (2) Abnormal transaction risk assessment function: It supports the import of relevant abnormal transaction identification rule parameters, identifies abnormal transactions through model matching, and prompts the floating interest rate approval system for successfully matched abnormal transactions.

[0132] (3) List risk assessment function: supports importing target lists, identifying abnormal transactions through the target lists, and notifying the floating interest rate approval system of abnormal transactions that successfully match the target lists.

[0133] According to another aspect of an embodiment of the present application, a financial data processing system is also provided, including: a term deposit management subsystem, used to determine whether a purchase request submitted by a user regarding a target financial product meets preset access conditions, wherein the access conditions are the minimum purchase requirements of the target financial product; an interest rate approval subsystem, used to obtain product information of the target financial product and user information of the user from the term deposit management subsystem when determining whether the purchase request meets the preset access conditions, and to approve the interest rate information set for the user to purchase the target financial product based on the product information and user information; a risk quantification assessment subsystem, used to determine a transaction risk score for the user to purchase the target financial product based on the product information of the target financial product, the user information of the user, and the interest rate information set for the user to purchase the target financial product, wherein the transaction risk score is used to quantify the degree of transaction risk in the form of a score.

[0134] in, Figure 7 This is a flowchart of floating interest rate approval and quota control provided according to the embodiment of the present application, such as Figure 7 As shown, a method for processing financial data includes the following steps:

[0135] (1) Step 1: The bank configures the parameters of the term deposit product and publishes the term deposit product through the product management platform, including the following parameters:

[0136] ①Transaction channels: third-party channels and in-house online channels.

[0137] ②Deposit certificate benchmark interest rate: reference benchmark interest rate, such as 1.50% for one year.

[0138] ③Floating interest rate: It will increase according to the actual situation. If the account opening amount exceeds 10,000, it will increase by 0.3bp.

[0139] ④ Head office interest rate range: refer to national banking self-discipline standards.

[0140] ⑤ Floating interest rate range of secondary banks: refer to local bank self-regulatory standards. (2) Step 2: The teller checks the list of fixed-term products that the customer can purchase, fills in the deposit term, deposit amount, and expected floating interest rate, and submits the form. If the range does not exceed the floating interest rate range of the branch, the purchase is successful. If the range exceeds the floating interest rate range, the teller is prompted to submit an interest rate application.

[0141] (3) Step 3: The bank teller logs into the floating rate approval system, selects the corresponding product, enters the customer's relevant information, and enters the floating point value of the interest rate. The application is submitted and the status of the application form is "Applied".

[0142] (4) Step 4: The system conducts a risk assessment on the customer and automatically determines the approval department to match up according to the interest rate increase range configured for the product and whether the credit limit is sufficient. The approval order is: branch interest rate approval, sub-branch interest rate approval, branch interest rate approval, provincial bank interest rate approval, and head office interest rate approval. If the floating interest rate is not compliant, the approval will be rejected and the reason will be notified. The application form status will be "rejected" and the product interest rate application process will end; if the floating interest rate is compliant and the corresponding level credit limit is sufficient, the credit limit control system will be linked to process the credit limit; if the floating interest rate is compliant and the product credit limit is insufficient, it will be transferred to the next level for approval, and the application form status will still be "applied".

[0143] (5) Step 5: Link the credit limit management system to automatically deduct the available credit limit at the corresponding level.

[0144] (6) Step 6: After the credit limit is sufficient and the credit limit is deducted, the application status is changed to "Approved" and the applicant and customer are notified of the approval result via SMS or other means to promote the subsequent product transaction process.

[0145] (7) Step 7: Calculate the interest rate of the term deposit upon maturity based on the agreed floating rate. The formula is as follows:

[0146] Interest due = account opening amount AMOUNT * term TERM / 360 * interest rate RATE / 100;

[0147] The interest each friend can get Ii = each friend’s proportion Ri*the interest due Interest.

[0148] (8) Step 8: Time deposit generation module: Based on the amount + term + interest rate entered by the customer, the system opens a deposit certificate and saves the order information (including purchase amount, term, interest due, and customer information) to the database for subsequent display to the customer. At the same time, the application form status is updated to "used".

[0149] An embodiment of the present application may provide an electronic device, Figure 8 is a structural block diagram of an electronic device according to an embodiment of the present application. Figure 8 As shown, the electronic device may include: one or more ( Figure 8 Only one is shown) a processor, a memory, a storage controller, and a peripheral interface, wherein the peripheral interface is connected to a radio frequency module, an audio module, and a display.

[0150] Among them, the memory can be used to store software programs and modules, such as program instructions / modules corresponding to the methods and devices in the embodiments of the present application. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, realizing the above-mentioned financial data processing method. The memory may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include a memory remotely arranged relative to the processor, and these remote memories may be connected to the terminal via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0151] It can be understood by those skilled in the art that Figure 8 The structure shown is for illustration only, and the electronic device may also be a smart phone (such as an Android phone, an iOS phone, etc.), a tablet computer, a PDA, a mobile Internet device (Mobile Internet Devices, MID), a PAD, or other terminal devices. Figure 8 The structure of the electronic device is not limited. Figure 8 More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Figure 8 Different configurations are shown.

[0152] A person of ordinary skill in the art can understand that all or part of the steps in the various methods of the above embodiments can be completed by instructing the hardware related to the terminal device through a program, and the program can be stored in a computer-readable storage medium, and the storage medium may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0153] According to another aspect of the present application, a computer-readable storage medium is provided, wherein a computer program is stored in the computer-readable storage medium, wherein when the computer program is executed, the device where the computer-readable storage medium is located executes the above-mentioned method for processing financial data.

[0154] According to another aspect of the present application, a computer program product is also provided, wherein the computer program product includes computer instructions, wherein when the computer instructions are executed, the device where the computer program product is located executes the above-mentioned financial data processing method.

[0155] The above-mentioned embodiments or examples disclosed in the present application are not exhaustive, but are only illustrative of some embodiments or examples, and are not intended to be specific limitations on the scope of protection disclosed in the present application. In the absence of contradiction, each step in a certain embodiment or example in the present application can be implemented as an independent example, and the steps can be combined arbitrarily. For example, the scheme after removing some steps in a certain embodiment or example can also be implemented as an independent example, and the order of the steps in a certain embodiment or example can be arbitrarily exchanged. In addition, the optional methods or optional examples in a certain embodiment or example can be combined arbitrarily; in addition, the various embodiments or examples can be combined arbitrarily, for example, some or all steps of different embodiments or examples can be combined arbitrarily, and a certain embodiment or example can be combined arbitrarily with the optional methods or optional examples of other embodiments or examples.

[0156] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0157] In the above embodiments of the present application, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0158] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units can be a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0159] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple units. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0160] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0161] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, in essence, or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions to enable a computer device (which can be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, disk or optical disk and other media that can store program codes.

[0162] The above is only a preferred implementation of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A method for processing financial data, characterized in that: include: Detecting whether the purchase request for the target financial product submitted by the user meets a preset access condition, wherein the access condition is a minimum purchase requirement for the target financial product; When it is detected that the purchase request satisfies the access condition, obtaining product information of the target financial product applied for by the user and user information of the user, and determining interest rate information set for the user to purchase the target financial product based on the product information and the user information; A transaction risk score for the user purchasing the target financial product is determined based on the product information of the target financial product applied for purchase by the user, the user information of the user, and the interest rate information set for the user to purchase the target financial product, wherein the transaction risk score is used to quantitatively represent the degree of transaction risk in the form of a score.

2. The method for processing financial data according to claim 1, characterized in that: The access conditions include at least one of the following conditions: The first condition is used to constrain the minimum purchase amount and / or maximum purchase amount of the target financial product; The second condition is used to restrict the sales objects of the target financial product; The third condition is used to restrict the sales channels of the target financial product.

3. The method for processing financial data according to claim 1, characterized in that: After detecting that the purchase request satisfies the admission condition, the method further includes: When it is detected that the interest rate increase included in the purchase request is higher than the maximum interest rate increase corresponding to the target institution, an interest rate application request is generated and sent to the interest rate approval subsystem, wherein the target institution is the financial institution that receives the purchase request. After receiving the interest rate application request, the interest rate approval subsystem notifies the superior institution of the target institution to review whether to approve the interest rate increase included in the purchase request.

4. The method for processing financial data according to claim 1, characterized in that: The method further comprises: Determine the profit of the user within the target time after purchasing the target financial product; after the user successfully purchases the target financial product, generate a target order according to the product information of the target financial product, the purchase amount of the user, and the profit of the user within the target time after purchasing the target financial product; The fund transaction of the user when purchasing or selling the target financial product is processed according to the target order.

5. The method for processing financial data according to claim 1, characterized in that: Before determining the interest rate information set for the user to purchase the target financial product based on the product information and the user information, the method further includes: Determine the process configuration information corresponding to each interest rate approval process, wherein the process configuration information includes configuration information of the approval role, personnel information corresponding to the approval role, and interaction relationships between multiple approval roles; According to the process configuration information, the personnel corresponding to the approval role are notified to approve and transfer the application request for the interest rate, wherein the product information of the target financial product, the user information of the user, and the transaction risk score of the user purchasing the target financial product are also obtained during the approval process of the application request as approval reference information; After the application request and the purchase request are approved, the sales quota of the target financial product by the first institution is updated, wherein the first institution is the institution that sells the target financial product to the user.

6. The method for processing financial data according to claim 5, characterized in that: Determine the corresponding process configuration information for each interest rate approval process, including: According to the first parameter and / or the second parameter, the corresponding process configuration information of each interest rate approval process is determined, wherein the first parameter is used to represent the maximum interest rate increase range set for financial institutions of different levels for the target financial product; the second parameter is used to represent the remaining sales amount of the target financial product set for financial institutions of different levels.

7. The method for processing financial data according to claim 1, characterized in that: Before determining the transaction risk score of the user purchasing the target financial product based on the product information of the target financial product applied for by the user, the user information of the user, and the interest rate information set for the user to purchase the target financial product, the method further includes: The interest rate range of the financial products managed by the financial institution is configured, and the sales quota of the financial products corresponding to the level of the financial institution is configured.

8. The method for processing financial data according to claim 7, characterized in that: After configuring the financial product sales quota corresponding to the level of the financial institution, the method further includes: Perform any of the following operations on financial products sold by financial institutions at different levels: Modify the limit of the financial products being sold; An operation of recovering the credit limit of the financial product being sold, wherein the operation of recovering the credit limit is used to recover the remaining unsold credit limit of the first-level financial institution to the second-level financial institution, and the second-level financial structure is the parent institution of the first-level financial institution; An operation of locking the credit limit of the financial product being sold in a transaction state, wherein the operation of locking the credit limit is used to occupy and lock the credit limit in the transaction process; An operation of writing off the credit limit of the financial product being sold is performed, wherein the operation of writing off the credit limit is used to deduct or return the credit limit if the transaction of the financial product being sold is successful.

9. The method for processing financial data according to claim 1, characterized in that: Determining a transaction risk score for the user to purchase the target financial product according to product information of the target financial product applied for by the user, user information of the user, and interest rate information set for the user to purchase the target financial product includes: Detecting whether the user identification of the user is recorded in the target list, and obtaining a first detection result, wherein the user in the target list has abnormal transaction behavior; Detecting whether the user's behavior of purchasing the target financial product is an abnormal transaction behavior through a target model according to product information of the target financial product applied for by the user, user information of the user, and interest rate information set for the user to purchase the target financial product, to obtain a second detection result, wherein the target model is a rule model constructed based on known abnormal transaction rules or a neural network model constructed based on known abnormal transaction behavior characteristics; The transaction risk score is determined based on the first detection result and the second detection result.

10. A financial data processing system, characterized in that: include: The term deposit certificate management subsystem is used to determine whether the purchase request for the target financial product submitted by the user meets the preset access conditions, wherein the access conditions are the minimum purchase requirements of the target financial product; The interest rate approval subsystem is used to obtain the product information of the target financial product and the user information of the user from the time deposit certificate management subsystem when judging whether the purchase request meets the preset access conditions, and approve the interest rate information set for the user to purchase the target financial product based on the product information and the user information; The risk quantification assessment subsystem is used to determine the transaction risk score of the user purchasing the target financial product based on the product information of the target financial product, the user information of the user, and the interest rate information set for the user to purchase the target financial product, wherein the transaction risk score is used to quantify the degree of transaction risk in the form of a score.

11. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored executable program, wherein when the executable program is run, the device where the computer-readable storage medium is located is controlled to execute the financial data processing method according to claims 1-9.

12. An electronic device, characterized in that: include: A memory storing an executable program; A processor is used to run the program, wherein the program, when running, executes the method for processing financial data described in claims 1-9.

13. A computer program product comprising computer instructions, characterized in that: When the computer instructions are executed by a processor, the steps of the method for processing financial data described in claims 1-9 are implemented.

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