Financial product transaction data processing method and device and storage medium

Abstract

The invention discloses a financial product transaction data processing method and device and a storage medium, and relates to the field of financial science and technology. The method comprises the following steps: receiving a transaction request submitted by a user through a target application server of a target sales mechanism; detecting a target network switch between the target application server and a target communication server of the issuing mechanism of the financial product; determining a target routing path between the target application server and the target communication server according to a path selection strategy for avoiding passing through the target network switch; and transmitting the transaction request from the target application server to the target communication server through the target routing path. The technical problem that when an existing financial transaction system processes large-scale financial product transactions, network congestion and server collapse are prone to occurring, and consequently the transaction stability is poor is solved.

Description

Technical Field

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

[0002] In the financial industry, especially in the issuance and trading of high-yield financial products, banks and financial institutions face enormous technical challenges. When promotions for such financial products begin, thousands of customers initiate purchase requests almost simultaneously through their respective devices (such as smartphones and computers). This causes a surge in transaction request data within a short period of time, placing enormous pressure on banks' network systems and application servers. Traditional financial transaction systems mostly use a centralized architecture, where all transaction request data is aggregated to a central server for processing. This architecture presents significant bottlenecks when processing large-scale transactions. Network data packets may encounter severe congestion during transmission, resulting in increased latency, prolonged transaction response times, and a significantly reduced user experience.

[0003] Furthermore, this high concurrency often causes application servers to exceed their processing capacity, leading to server crashes and interrupted trading services. This poses a significant threat to the continuity and security of financial transactions. A server crash not only disrupts ongoing transactions but can also affect other normally operating services, causing a chain reaction and impacting the stability of the entire financial system.

[0004] To address the above-mentioned problems, no effective solutions have been proposed so far. Summary of the Invention

[0005] The present application provides a method, device, and storage medium for processing financial product transaction data to at least address the technical problem that existing financial transaction systems are prone to network congestion and server crashes when processing large-scale financial product transactions, resulting in poor transaction stability.

[0006] According to one aspect of the present application, a method for processing financial product transaction data is provided, comprising: receiving a transaction request submitted by a user through a target application server of a target sales institution, wherein the transaction request is used to represent the user's request to purchase a target quantity of financial products; detecting a target network switch between the target application server and a target communication server of an issuer of the financial products, wherein a fair share rate of a data link where the target network switch is located is less than a fair share rate of other data links, the other data links being data links that do not include the target network switch, wherein the fair share rate is used as reference information for adjusting the transmission rate of any data link; determining a target routing path between the target application server and the target communication server based on a path selection strategy that avoids passing through the target network switch; and transmitting the transaction request from the target application server to the target communication server via the target routing path.

[0007] According to another aspect of the present application, a device for processing financial product transaction data is also provided, including: a receiving unit, configured to receive a transaction request submitted by a user through a target application server of a target sales institution, wherein the transaction request is used to represent the user's request to purchase a target quantity of financial products; a detection unit, configured to detect a target network switch between the target application server and a target communication server of an issuer of the financial products, wherein the fair sharing rate of a data link where the target network switch is located is less than the fair sharing rate of other data links, and the other data links are data links that do not include the target network switch, wherein the fair sharing rate is used as reference information for adjusting the transmission rate of any data link; a determination unit, configured to determine a target routing path between the target application server and the target communication server based on a path selection strategy that avoids passing through the target network switch; and a transmission unit, configured to transmit the transaction request from the target application server to the target communication server via the target routing path.

[0008] According to another aspect of the present application, a computer-readable storage medium is also provided, which includes a stored executable program, wherein when the executable program is running, the device where the computer-readable storage medium is located is controlled to execute the above-mentioned method for processing financial product transaction data.

[0009] According to another aspect of the present application, an electronic device is provided, comprising: a memory storing an executable program; and a processor for running the program, wherein the program executes the above-mentioned method for processing financial product transaction data when running.

[0010] According to another aspect of the present application, a computer program product is provided, comprising computer instructions, which implement the steps of the above-mentioned method for processing financial product transaction data when executed by a processor.

[0011] In the present application, a transaction request submitted by a user is first received through a target application server of a target sales institution, wherein the transaction request is used to represent the user's request to purchase a target quantity of financial products. Then, a target network switch between the target application server and a target communication server of an issuer of the financial products is detected, wherein the fair share rate of the data link where the target network switch is located is less than the fair share rate of other data links, and the other data links are data links that do not include the target network switch, wherein the fair share rate is used as reference information for adjusting the transmission rate of any data link. Then, based on a path selection strategy that avoids passing through the target network switch, a target routing path between the target application server and the target communication server is determined. Finally, the transaction request is transmitted from the target application server to the target communication server through the target routing path. That is, through intelligent path optimization, the purpose of dynamically adjusting the data transmission path and bypassing the network bottleneck node is achieved, thereby achieving the technical effect of improving the efficiency and stability of transaction data transmission, thereby solving the technical problem that the existing financial transaction system is prone to network congestion and server crashes when processing large-scale financial product transactions, thereby resulting in poor transaction stability. BRIEF DESCRIPTION OF THE DRAWINGS

[0012] 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:

[0013] Figure 1 is a flowchart of an optional method for processing financial product transaction data according to an embodiment of the present application;

[0014] Figure 2 This is a schematic diagram of an optional client transaction terminal structure according to an embodiment of the present application;

[0015] Figure 3 This is a schematic diagram of an optional bank branch application server structure according to an embodiment of the present application;

[0016] Figure 4 is a schematic diagram of an optional communication server structure according to an embodiment of the present application;

[0017] Figure 5 is a data processing flow chart of an optional network management module according to an embodiment of the present application;

[0018] Figure 6 is a flowchart of an optional financial product transaction data processing according to an embodiment of the present application;

[0019] Figure 7This is a connection diagram of an optional system for processing financial product transaction data according to an embodiment of the present application;

[0020] Figure 8 This is a schematic diagram of an optional device for processing financial product transaction data according to an embodiment of the present application. DETAILED DESCRIPTION

[0021] In order to enable those skilled in the art to better understand the present invention, the following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the drawings 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 without making creative efforts should fall within the scope of protection of this application.

[0022] 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 sequential order. 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 a sequence 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.

[0023] It should 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 the relevant data comply with relevant laws, regulations and standards, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation portals 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 portals for users to choose to agree or refuse the automated decision-making results; if the user chooses to refuse, the expert decision-making process will be entered.

[0024] It should be noted that an intelligent processing system can be used as the execution subject of the method for processing financial product transaction data in the embodiments of this application. It is understood that the method for processing financial product transaction data provided in the embodiments of this application can also be executed by other systems or devices, and this embodiment of the application does not specifically limit this.

[0025] According to an embodiment of the present application, a method embodiment of a method for processing financial product transaction 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.

[0026] Figure 1 is a flowchart of an optional method for processing financial product transaction data according to an embodiment of the present application, such as Figure 1 As shown, the method includes the following steps:

[0027] Step S101: receiving a transaction request submitted by a user through a target application server of a target sales organization.

[0028] In step S101 , a transaction request is used to represent a user's request to purchase a target quantity of a financial product.

[0029] Optionally, the target sales institution refers to a bank branch involved in the sale of financial products; the target application server refers to the local server of the target sales institution (such as Branch A), which is responsible for processing the interaction between customer transaction requests and local data, including preprocessing, flow control, inventory matching, etc.; a transaction request refers to a request for purchasing a financial product submitted by a user through a customer transaction terminal (such as the application server of Branch A), and the request includes the type, quantity, amount and personal account information of the product the customer wishes to purchase; the target quantity of financial products refers to the quantity or share of a specific financial product that the user wants to purchase, for example, 100 shares of a certain financial product.

[0030] Optionally, the intelligent processing system receives user-submitted transaction requests through the target application server of the target sales organization. This step ensures that the user transaction request is accurately received and understood by the target application server. The application server then performs pre-processing based on the information in the request, such as using a token bucket algorithm to control traffic flow, to ensure transaction system stability and security. Furthermore, the target quantity information included in the transaction request is key to subsequent inventory matching, transaction matching, and qualification generation.

[0031] Step S102 , detecting a target network switch between a target application server and a target communication server of a financial product issuer.

[0032] In step S102 , the fair share rate of the data link where the target network switch is located is lower than the fair share rates of other data links, where the other data links are data links that do not include the target network switch.

[0033] In step S102 , the fair share rate is used as reference information for adjusting the transmission rate of any data link.

[0034] Optionally, the target network switch refers to a network device that causes network delay or congestion in a data transmission path, and the fair share rate of its data link is lower than that of other data links, thereby potentially becoming a bottleneck for network transmission.

[0035] Optionally, the fair share rate (FSR) can be calculated using the RCP algorithm (Rate Control Protocol). This is the transmission rate that a link can fairly allocate to all flows within a specific timeframe, used to measure link transmission efficiency and fairness. It is calculated based on the link's average utilization, average queue length, average round-trip time, and configurable parameters.

[0036] Optionally, the intelligent processing system detects target network switches within the network to identify bottlenecks that could affect transmission performance. For internal bank transaction data transmission, this step is crucial for ensuring fast and stable transmission of transaction information from the branch application server to the product issuer's application server. By comparing the fair share rates of different data links, the system can identify links with lower transmission rates, laying the foundation for subsequent path selection strategies and ensuring more efficient and low-latency data transmission.

[0037] Step S103 : determining a target routing path between the target application server and the target communication server according to a path selection strategy that avoids passing through a target network switch.

[0038] Optionally, the path selection strategy means that after detecting the target network switch, the target application server dynamically adjusts the data transmission path according to the fair share rate, network topology and other considerations to avoid congested or inefficient data links.

[0039] Optionally, the target routing path refers to an optimal or suboptimal network path for data transmission between the target application server and the target communication server, determined according to a path selection policy.

[0040] Optionally, the intelligent processing system can intelligently plan data transmission paths by dynamically adjusting path selection strategies, avoiding inefficient or congested target network switches, thereby improving the stability and efficiency of the overall data transmission network. After determining the target routing path, transaction data can be transmitted along a more optimized path, reducing network latency and congestion risks, and ensuring the timeliness and security of transaction data.

[0041] Step S104 : Transmitting the transaction request from the target application server to the target communication server via the target routing path.

[0042] Optionally, transaction request data is transmitted efficiently and with low latency from the target application server (e.g., Branch A's application server) to the target communication server (the product issuer's communication server) via a pre-determined target routing path. This step ensures the fast and accurate transmission of transaction data. Furthermore, by utilizing dedicated bank fiber optic lines and TPP (Tiny Programmable Packet) data transmission technology, data security and transmission stability are enhanced. This allows product issuers to obtain timely information on transactions across branches, dynamically adjust product quotas, and ensure fair trading practices and an optimized user experience.

[0043] Optionally, Figure 2 This is a schematic diagram of an optional client transaction terminal structure according to an embodiment of the present application. Figure 2 As shown, the customer transaction terminal can be a user's smart phone, tablet computer, laptop computer or other terminal device, and the device may include: user registration module 21, key generation module 22, transaction query module 23, and transaction request module 24. Among them, the user registration module 21 is responsible for providing an interface and interface for bank customers to register on the system to obtain bank user identity. When registering, personal identity information needs to be submitted. After successful registration, the relevant key and personal digital certificate are downloaded to ensure data security during the transaction process; the key generation module 22 is responsible for generating a master key M for the customer after the application for customer registration is successful. k and user key S k , the specific generation method is as follows:

[0044] Step 1: After the client successfully registers, the system submits a request to initialize security parameters;

[0045] Step 2: After receiving the request, the client calls the key initialization module setup to generate the master key; then calls the key generation module to generate the key S k The specific steps are as follows:

[0046] (1) Initialization (Setup): The setup module selects a bijective group G0, whose generator is g and order is a prime number p. p Randomly select two random numbers α, β∈Z p As the exponent, the master key M is obtained based on the random numbers α, β and the generator g. k , the calculation method is shown in formula (1), and the public key PK is expressed as a tuple as shown in formula (2):

[0047] M k =(β,g α ) (1)

[0048]

[0049] Among them, DID H ∈DID represents the DID (digital identity) of the owner of the digital file, and e(g,g) is a value calculated on the generator (g) using a bilinear map (e).

[0050] (2) Generate key S k : Supplementary input parameters, expressed as keyGen(M k ,S), where M k is the master key, S is the attribute set (including all attributes or services that the key holder has the right to access or operate), and the value generated by this function is the key S k , the key is expressed as shown in formula (3):

[0051]

[0052] Where r∈Z p is a random number, for each attribute j∈S, r j ∈Z p is a random number, Is a hash function used to convert attribute j into a fixed-length value, r j is a random number associated with attribute j and used to generate the attribute-related key part.

[0053] Step 3: Call the encryption algorithm to initialize security parameters.

[0054] Step 4: Perform evidence storage processing to store the user's public key and master key.

[0055] Step 5: Digital identity DID, master key M k , the user's public key PK is stored, and the following encryption function is executed to encrypt the symmetric key to generate the symmetric key pk b Ciphertext And return to the user, the ciphertext is represented as shown in formula (4):

[0056]

[0057] Among them, Encry is an encryption function used to encrypt plaintext data into ciphertext, sk b Represents the user's private key.

[0058] Step 6: The security parameters are returned to the client, the symmetric private key is stored locally, and a message indicating that the security parameters have been successfully initialized is returned.

[0059] The transaction query module 23 is responsible for providing customers with interfaces and interfaces through which they can query available financial products and historical transaction records; the transaction request module 24 is responsible for providing customers with interfaces and interfaces through which they can submit buy and sell transaction requests to the bank application server. The request data includes at least the type, quantity, and price of the financial product to be purchased or sold.

[0060] Optionally, Figure 3 This is a schematic diagram of an optional bank branch application server structure according to an embodiment of the present application, such as Figure 3 As shown, the bank branch application server includes: a parameter configuration module 31, a transaction filtering module 32, an inventory control module 33, a transaction matching module 34, a qualification generation module 35, and a settlement module 36. Among them, the parameter configuration module 31 is responsible for configuring the concurrency parameters of the branch application server, so that the branch application server limits the number of purchase transactions that can be accepted based on the concurrency parameters; the concurrency parameters include: configuration process data, maximum number of connections, and timeout time, etc.; the transaction filtering module 32 is responsible for controlling the request information corresponding to each financial product purchase request, and limiting the purchase request flow according to the token algorithm, thereby filtering each transaction request and retaining valid financial product purchase transaction requests that meet the preset financial product purchase conditions. If the request interface corresponding to any URL address receives multiple financial product transaction requests corresponding to the same source IP, then the financial product transactions corresponding to multiple same source IPs will be filtered. In the easy request, only one financial product transaction request is retained as a valid financial product purchase request; the inventory control module 33 is responsible for storing the quota of financial product purchase activities and setting a counter, which corresponds to the token. When the total number of financial product transaction requests is greater than the inventory quota, the financial product purchase request will be isolated, thereby preventing the transaction request volume from being too large, causing the communication server to be impacted by a huge amount of transaction request data. At the same time, the module is also responsible for dynamically updating the product quota parameters on the bank's application server according to the instructions of the product issuing agency, ensuring that the product quotas of the entire product transaction system distributed in various branches can achieve dynamic balance, avoiding the problem of insufficient quotas in some branches and a large amount of quotas in some branches that cannot be used up.

[0061] The transaction matching module 34 is responsible for matching each purchase transaction request with each inventory quota in the inventory control module. The module uses a list monitoring instruction to monitor in real time whether there is an inventory quota to be matched in the product inventory queue. When the list monitoring instruction monitors the existence of an inventory quota to be matched in the product inventory queue, each transaction request is matched with each inventory quota in the product inventory queue. The qualification generation module 35 is responsible for binding the customer corresponding to the valid transaction request with the inventory quota matching the transaction request when any valid purchase transaction request is successfully matched with any inventory quota, and generating an order qualification certificate for the customer. The settlement module 36 is responsible for settling the customer transaction after the purchase transaction is successful. It debits the account according to the order transaction data, registers the reserved order and settlement order information in the transaction register, and returns the transaction result to the corresponding customer transaction terminal. The reserved order includes but is not limited to the financial product name, price, type, financial product transaction time, and product reservation number, and the settlement order includes but is not limited to the financial product name, price, type, financial product transaction time, settlement time, and financial product order number.

[0062] Optionally, product transaction parameters are configured on the branch application server, a transaction token is assigned to each transaction, and a token bucket algorithm is used to limit access traffic according to the parameter settings, so that the transaction filtering module can effectively filter all purchase transaction requests and only retain valid transaction requests that meet the preset transaction conditions. The transaction matching module matches each transaction request with each inventory quota in the inventory control module one by one, and the qualification generation module generates the order qualification certificate corresponding to the customer, thereby effectively avoiding the problem of congestion in massive transaction processing.

[0063] As can be seen from steps S101 to S104, in the present application, a transaction request submitted by a user is first received by a target application server of a target sales institution, wherein the transaction request is used to represent the user's request to purchase a target quantity of a financial product. Then, a target network switch between the target application server and a target communication server of the financial product issuer is detected, wherein the fair share rate of the data link on which the target network switch is located is less than the fair share rates of other data links, which are data links that do not include the target network switch. The fair share rate is used as reference information for adjusting the transmission rate of any data link. Then, based on a path selection strategy that avoids passing through the target network switch, a target routing path between the target application server and the target communication server is determined. Finally, the transaction request is transmitted from the target application server to the target communication server via the target routing path. That is, through intelligent path optimization, the purpose of dynamically adjusting the data transmission path and bypassing network bottleneck nodes is achieved, thereby achieving the technical effect of improving the efficiency and stability of transaction data transmission, thereby solving the technical problem that existing financial transaction systems are prone to network congestion and server crashes when processing large-scale financial product transactions, thereby resulting in poor transaction stability.

[0064] In an optional embodiment, when there are N data links between a target application server and a target communication server, the intelligent processing system detects the queue size of the network switch in each data link, where N is an integer greater than 1 and the queue size represents the amount of data to be sent by the network switch. Then, based on the queue size of the network switch in each data link, the intelligent processing system determines the fair share rate of each data link, and then determines the target network switch between the target application server and the target communication server based on the fair share rate of each data link.

[0065] Optionally, when N data links exist between the target application server and the target communication server, the intelligent processing system first detects the queue size of the network switch in each data link. The queue size is an important indicator for measuring the amount of data to be sent by the network switch and can reflect the current level of network congestion on the switch. After obtaining the queue size of the network switch in each data link, the intelligent processing system determines the fair share rate for each data link based on these queue sizes. The fair share rate is key reference information for evaluating the transmission efficiency and fairness of data links in this embodiment. It is calculated using the RCP algorithm, fully considering factors such as the average link utilization, queue size, and average round-trip time. In this way, the intelligent processing system can quantitatively evaluate the transmission performance of each data link, providing a basis for subsequent path selection. After completing the calculation of the fair share rate for each data link, the target network switch between the target application server and the target communication server is determined based on the fair share rate of each data link. Specifically, the intelligent processing system identifies data links with low fair share rates. The network switches of such data links are considered target network switches because they may be experiencing higher congestion or transmission efficiency issues.

[0066] As can be seen from the above, by implementing the above implementation, the intelligent processing system can dynamically identify links with poor network conditions, namely the links where the target network switch is located, among multiple data links, and take measures to avoid these links, thereby optimizing data transmission paths. This dynamic path selection strategy not only improves the efficiency and timeliness of the intelligent processing system's transmission, but also effectively avoids network congestion and delays, ensuring the stable operation of the financial product trading system.

[0067] In an optional embodiment, the intelligent processing system receives configuration information of the financial product sent by the target communication server through the target application server, wherein the configuration information includes at least one of the following information: the sales time of the financial product; the total amount of the financial product issued; the institutional information of multiple sales institutions of the financial product, wherein the multiple sales institutions include the target sales institution; the sales quota of each sales institution for the financial product; the object information of the sales object of the financial product; the maximum number of connections and the maximum connection duration of the target communication server.

[0068] Optionally, before a financial product is issued, the product issuer's application server (target communication server) in the intelligent processing system sends the product's configuration information to all participating bank branch application servers (including the target application server). This configuration information transmission ensures that all branches have the latest product parameters for accurate and consistent transaction processing.

[0069] Optionally, the sales time of a financial product refers to the effective time period for product issuance and sales, ensuring that all branches conduct sales activities at the same time to avoid transaction confusion caused by time inconsistencies; the total amount of financial product issuance refers to the total amount of financial product issuance set by the product issuing institution, which is used to control the issuance scale and risk; the institutional information of multiple sales institutions of a financial product includes but is not limited to detailed information of all bank branches involved in the sales, such as branch name, branch ID, etc., to ensure that the product issuing institution has a comprehensive understanding of the institutions involved in the sales; the sales quota of each sales institution for a financial product refers to the total product sales amount allocated to each branch by the product issuing institution, which is used to control the transaction volume of each branch and avoid waste of quota or over-selling; the object information of the sales object of the financial product refers to the customer qualification requirements for participating in the purchase of the financial product, such as age, income level, etc., to ensure the fairness and compliance of the transaction; the maximum number of connections to the target communication server refers to the maximum number of connections that the product issuing institution's communication server can handle simultaneously, which is used to evaluate the server's processing capacity; the maximum connection duration refers to the maximum time that the communication server maintains a single connection, which is used to control the occupancy of connection resources and avoid waste of resources.

[0070] As can be seen from the above content, by implementing the above steps, this embodiment achieves efficient information synchronization between the product issuing agency and each sales branch, ensuring that all branches can obtain complete financial product configuration information before the product sales activity begins. This process can not only avoid transaction processing problems caused by information asymmetry, but also maintain the stability and fairness of the entire transaction system by adjusting the sales quota of each branch and controlling transaction flow. In addition, by clarifying the maximum number of connections and the maximum connection time of the target communication server, it helps to optimize network resource allocation, improve the system's response speed and processing capabilities, and thus provide customers with a smoother transaction experience. These specific implementation steps and technical solutions directly reflect the implementation effect of the above steps, that is, establishing an information synchronization mechanism to ensure the efficiency, stability and security of the financial product trading system when processing huge transaction data.

[0071] In an optional embodiment, when the target application server detects that L transaction requests correspond to the same source IP address, one transaction request is selected from the L transaction requests as a valid transaction request, and the transaction requests not selected from the L transaction requests are regarded as invalid transaction requests, where L is an integer greater than 1.

[0072] Optionally, when a customer submits transaction requests to purchase the same financial product multiple times within a short period of time through his or her transaction terminal (with a unique source IP address), the transaction filtering module of the target application server (such as the application server of Branch A) is responsible for detecting and identifying the source of these transaction requests, where the source IP address is a key metadata in the request data packet, used to identify the device that initiated the request. In the scenario of this embodiment, L is an integer greater than 1, representing the number of repeated transaction requests received from the same source IP address, which may be due to customer misoperation or repeated submission by the system. Therefore, after detecting repeated transaction requests, the transaction filtering module will execute a screening algorithm to select one request from these L transaction requests as a valid transaction request, where the screening criteria may be based on factors such as the timestamp of the transaction request, the transaction amount, and the product type. In a specific implementation, the transaction filtering module only retains the valid transaction request and performs subsequent transaction processing, such as inventory matching, qualification generation, and other steps.

[0073] Optionally, unselected transaction requests are marked as invalid and do not enter the subsequent transaction processing steps. The transaction filtering module intercepts these invalid transaction requests and may send a notification message to the client's transaction terminal, indicating that the duplicate transaction request has been identified and filtered by the system, thereby avoiding unnecessary confusion or concern on the part of the client. In the present invention, this process helps reduce the processing burden on the application server and avoids system performance degradation caused by processing a large number of duplicate requests.

[0074] As can be seen from the above, by implementing the aforementioned strategy, the intelligent processing system can effectively identify and handle duplicate transaction requests from the same source IP address, avoiding redundant operations within the transaction system and improving transaction processing efficiency and accuracy. This mechanism not only helps maintain transaction fairness and ensures that each customer's genuine transaction intentions are accurately executed, but also avoids network congestion and server resource waste caused by duplicate transaction requests, thereby maintaining system stability and responsiveness.

[0075] In an optional embodiment, the intelligent processing system queries the target sales institution's remaining sales quota for the financial product based on the transaction request. If the target sales institution's remaining sales quota is greater than or equal to the target purchase quota for the financial product in the transaction request, the target purchase quota is deducted from the target sales institution's remaining sales quota. If the target sales institution's remaining sales quota is less than the target purchase quota for the financial product in the transaction request, the entire remaining sales quota of the target sales institution is deducted, and the first quota is deducted from the remaining sales quota of the first sales institution, wherein the sum of the first quota and the entire remaining sales quota of the target sales institution is equal to the target purchase quota, and the first sales institution is the sales institution with the largest remaining sales quota for the financial product among all sales institutions except the target sales institution.

[0076] Optionally, when a customer submits a purchase request for a financial product on a customer transaction terminal, the request is first submitted to the target application server of the customer's target sales institution (e.g., Branch A). Upon receiving the transaction request, the intelligent processing system queries the remaining sales quota for the corresponding financial product to ensure that sufficient quota exists to meet the customer's target purchase quota. If the target application server detects that the target sales institution's remaining sales quota meets the target purchase quota specified in the transaction request, the inventory control module within the target application server directly deducts the target purchase quota from the remaining sales quota, ensuring the transaction proceeds smoothly. At this point, the transaction matching module within the target application server matches the transaction request with the corresponding product quota in the inventory control module. The qualification generation module within the target application server generates an order qualification certificate for the customer. The settlement module within the target application server then performs operations such as debiting and increasing product quotas. If the target sales institution's remaining sales quota is insufficient to meet the customer's target purchase quota, the target application server implements a dynamic quota adjustment strategy. First, the inventory control module deducts the target sales institution's entire remaining sales quota. The system will then deduct the first credit limit from the first sales organization (the branch with the largest remaining sales quota, excluding the target sales organization) to meet the total target purchase quota. The sum of the first credit limit and the remaining sales quota of the target sales organization should equal the customer's target purchase quota.

[0077] Optionally, the implementation steps may involve interacting with the product issuer's application server to obtain the latest and most accurate quota information for each sales organization, ensuring that the first quota can be accurately deducted from the branch with the largest remaining quota. This process may be accomplished by transmitting transaction data packets over a low-latency network, ensuring timely transactions and the proper allocation of system resources.

[0078] Alternatively, the intelligent processing system distributes product quotas to individual branches for processing and accounting, avoiding server congestion caused by centralized transactions. Dynamic adjustments to product quotas using an asynchronous mechanism prevent underutilization of quotas due to uneven transactions across branches.

[0079] As can be seen from the above, by implementing the aforementioned strategies, the intelligent processing system can effectively address the conflict between high purchase quota demands and insufficient local quotas while ensuring transaction fairness and efficiency. When local quotas are insufficient to meet large transaction requests, it can quickly identify and allocate quotas from other branches with the most abundant quotas, ensuring successful transaction completion and avoiding transaction interruptions or customer complaints. This mechanism not only improves the flexibility and responsiveness of the transaction process, but also promotes the dynamic balance of quotas between branches and optimizes resource utilization throughout the entire processing process. Furthermore, by precisely controlling the deduction and allocation of quotas, the intelligent processing system maintains transaction accuracy and security, avoiding transaction disputes and resource waste caused by improper quota allocation.

[0080] In an optional embodiment, when a data packet flows through each network switch of each data link, the intelligent processing system obtains the identifier of each network switch in the data link, the queue size, and the average link utilization of the data link, and then determines the fair share rate of each data link based on the queue size of each switch in each data link and the average link utilization of each data link.

[0081] Optionally, when the target application server (such as the application server of Branch A) needs to transmit the transaction data packet to the target communication server (the communication server of the product issuing agency), the data packet will be transmitted through the bank's internal dedicated fiber optic line network. During the transmission process, the data packet will flow through multiple data links, each of which contains one or more network switches. When the data packet flows through each network switch, the intelligent processing system will collect the following information: Network switch identification: used to uniquely identify each switch in the network to ensure accurate tracking of the switch status; Queue size: reflects the number of data packets to be sent by the switch, which is an important indicator for measuring the degree of network congestion; Average link utilization: indicates the average usage of the data link over a period of time, which helps to evaluate the transmission efficiency and stability of the link.

[0082] Optionally, once this information is available, the intelligent processing system uses it to calculate a fair share rate for each data link. This calculation takes into account queue sizes and average link utilization to ensure that each data flow receives a fair share of network resources, avoiding situations where some links are overly congested while others remain idle.

[0083] As can be seen from the above, by implementing the aforementioned strategies, the intelligent processing system achieves refined management and optimization of the bank's internal data transmission network. By dynamically monitoring the queue sizes and average link utilization of network switches, the intelligent processing system can calculate and adjust the fair share rate for each data link in real time, ensuring the rational allocation and efficient use of network resources. This mechanism not only improves the timeliness and accuracy of data transmission, but also enhances the stability and security of the entire financial transaction processing process, preventing transaction delays or failures caused by network congestion. Furthermore, data transmission utilizes the bank's dedicated fiber-optic lines, avoiding traditional public network lines, thus improving data security.

[0084] In an optional embodiment, the intelligent processing system first detects the capacity of each data link, where the capacity represents the maximum transmission rate of each data link, then detects the average round-trip time of traffic passing through each data link, and then determines the fair sharing rate of each data link based on the capacity of each data link, the average link utilization, the average round-trip time, and the queuing queue size of the network switch in the data link.

[0085] Optionally, the intelligent processing system will first evaluate the capacity of each data link, that is, measure the maximum data transmission rate that the link can bear in the absence of congestion. This information is crucial for subsequent flow control and path selection. After determining the capacity of the data link, it will further monitor the average round-trip time of traffic crossing each data link. The average round-trip time is the average time required for a data packet to start from the source node, pass through the link to reach the destination node and return to the source node. It is crucial to understanding the real-time performance and latency of the network. Finally, the intelligent processing system combines the detected link capacity, average link utilization, average round-trip time and the queue size of the network switch and other parameters to calculate the fair sharing rate of each data link using the RCP algorithm.

[0086] Optionally, the fair share rate R(t) is calculated as shown in formula (5):

[0087]

[0088] Where t is the current time, T is the interval between flow rate updates, C is the capacity of the data link, y(t) is the average utilization of the incoming link, d is the average round-trip time for traffic (transaction requests) to traverse the link, q(t) is the queue size, and γ and δ are configurable parameters (used to adjust the influence of y(t) and q(t) on the fair share rate R(t). They are configurable weight parameters in the RCP algorithm. The values ​​of γ and δ determine the relative importance of average utilization and queue size when calculating the new fair share rate).

[0089] As can be seen from the above, by accurately measuring the capacity of each data link, monitoring the average round-trip time of traffic in real time, and combining average link utilization with switch queue sizes, the intelligent processing system can dynamically calculate the fair share rate for each data link, thereby ensuring efficient and fair data flow across multi-path transmission. This mechanism significantly improves the system's network performance, reduces transaction latency, enhances system stability and security, and avoids resource waste, providing a strong guarantee for the high-speed transmission of financial transaction data.

[0090] In an optional embodiment, the intelligent processing system first calculates the average of N fair share rates of N data links based on the fair share rate of each data link to obtain an average fair share rate, and then determines a target network switch between a target application server and a target communication server based on the average fair share rate and the fair share rate of each data link, wherein the fair share rate of the data link where the target network switch is located is less than the average fair share rate.

[0091] Optionally, when the target application server (such as the application server of branch A) is ready to send transaction data to the target communication server (the communication server of the product issuing agency), the intelligent processing system has already accurately calculated the fair share rate of each data link. Next, the intelligent processing system will perform an average calculation to obtain the average of the fair share rates of all N data links. This step is intended to evaluate the average transmission efficiency of the entire network and provide a benchmark for the next step of network path optimization. After obtaining the average fair share rate of all N data links, the intelligent processing system determines those links with fair share rates lower than the average, which usually represent network bottlenecks or paths with high congestion. Finally, based on this analysis result, the system will determine the target network switches between the target application server and the target communication server, that is, those switches on the inefficient links. The identification of the target network switch is based on the condition that the fair share rate of the data link on which it is located is less than the average fair share rate.

[0092] Optionally, the average fair share rate R(t) avg The calculation method of is shown in formula (6):

[0093]

[0094] Where n is the number of data links and R(t) is the fair share rate.

[0095] As can be seen from the above, the intelligent processing system calculates the average fair share rate of all N data links and identifies target network switches with transmission efficiency below the average. This allows it to optimize network resource allocation, avoid inefficient links, and improve overall network transmission efficiency. This mechanism helps reduce data transmission latency, enhance network stability, and avoid waste of network resources. This is particularly important for processing the high concurrency and high-volume data flows involved in financial product transactions.

[0096] In an optional embodiment, the intelligent processing system first obtains the value of the register corresponding to the target network switch, and then determines whether to execute the target program based on the value of the register and a preset mask value, wherein the target program is used to update the fair sharing rate of the data link where the target network switch is located.

[0097] Optionally, the intelligent processing system obtains the values ​​of registers corresponding to the target network switch. These registers contain real-time operating status information of the switch, such as queue size and link utilization, which is crucial for assessing the health of network links and formulating network policies. After obtaining the register values ​​of the target network switch, the intelligent processing system uses these values ​​and preset mask values ​​to perform logical operations to determine whether a target program (such as a Tiny Packet Program (TTP)) for that switch needs to be executed. The target program is primarily used to update the fair share rate of the data link where the target network switch is located to address network congestion or link performance degradation.

[0098] Optionally, the preset mask value is a preset value used to filter or compare register values. By performing logical operations (such as AND and OR operations) with the register value, it can be determined whether the state of the network switch meets the conditions for executing a specific program; target program: a program designed to adjust or optimize the transmission strategy of the link where the network switch is located, such as updating the fair sharing rate to ensure efficient and fair transmission of data streams.

[0099] As can be seen from the above, by obtaining the register values ​​of the target network switch and performing logical operations with the mask value, the intelligent processing system can accurately determine whether the fair share rate of the link needs to be adjusted. Specifically, by instantly reading the register values ​​of the network switch, the intelligent processing system can monitor the network status in real time, ensuring the accurate implementation of network management policies and avoiding congestion or delays caused by untimely network monitoring. Based on the dynamic decision-making of the register values, the intelligent processing system can flexibly adjust the transmission strategy of the data link, avoiding resource waste and improving the utilization efficiency of network resources.

[0100] In an optional embodiment, the intelligent processing system first determines the result of the AND operation of the register value and the preset mask value, and then detects whether the AND operation result is equal to the preset threshold. When it is detected that the AND operation result is equal to the preset threshold, it determines to execute the target program; when it is detected that the AND operation result is not equal to the preset threshold, it determines not to execute the target program.

[0101] Optionally, the intelligent processing system periodically checks the status of network switches to ensure efficient and stable data transmission. This process first involves reading the register values ​​of the target network switch. These registers store real-time status information of the switch, including but not limited to key indicators such as link utilization and queue length. The system then performs a bitwise logical operation on the register value and a preset mask value. The mask value is a binary digit whose purpose is to highlight the information bits in the register related to specific network conditions for subsequent condition judgment. After the AND operation is completed, the intelligent processing system checks whether the operation result is equal to a preset threshold. The preset threshold is a pre-set value used to determine whether the current network status requires optimization measures. For example, if a preset mask value is used to highlight link utilization information, and the result of the AND operation is equal to or above a preset threshold, this may indicate that the network link is experiencing high load and requires flow control or link optimization. When the result of the AND operation is determined to be equal to the preset threshold, the intelligent processing system will determine to execute a target program. The target program may include a series of operations in the RCP instruction set to adjust the fair sharing rate of the link, such as writing a new rate value to a switch register via the PUSH instruction, updating rate information using the STORE instruction, or executing subsequent rate control policies via the CEXEC instruction. The purpose of executing the target program is to improve network transmission efficiency, reduce latency, and ensure that data packets can flow efficiently and stably within the system. If the result of the AND operation is not equal to the preset threshold, this means that the current network status has not yet reached the conditions requiring optimization. In this case, the intelligent processing system will determine not to execute the target program, that is, to maintain the current network policy and settings, avoiding unnecessary network adjustments and resource consumption.

[0102] Optionally, during the transmission of transaction data packets, execution logic such as queuing status and traffic rate is embedded in the Ethernet Mini-Data Packet (TPP). This architecture adopts a programmable design mode, which can effectively detect the queue waiting information of the switch, formulate reasonable routing strategies, and effectively improve the timeliness of the system.

[0103] As can be seen above, by reading register states in real time and performing AND operations with preset mask values, the intelligent processing system can accurately determine whether network conditions have reached the threshold requiring optimization. Once the threshold condition is detected, the system immediately executes the target program, such as adjusting the link fair share rate to ensure efficient allocation of network resources and low-latency data packet transmission. Conversely, if the threshold condition is not met, the system avoids unnecessary network adjustments and maintains the current network settings and resource consumption levels. This mechanism significantly improves the system's network performance, enhances system stability and reliability, and optimizes network resource utilization, providing strong technical support for the efficient execution of financial product transactions.

[0104] In an optional embodiment, Figure 4 This is a schematic diagram of an optional communication server structure according to an embodiment of the present application, such as Figure 4As shown, the communication server includes a communication module 41, a traffic collection module 42, a security calculation module 43, a message parsing module 44, a three-state content addressable register (TCAM) 45, a TPP small data packet program CPU (TCPU) 46, and a network management module 47. Among them, the communication module 41: as the entrance of the data transmission node, it interacts with other communication servers to realize the sending and receiving of data messages; the traffic collection module 42: is responsible for collecting traffic data for the data transmission node, managing the network traffic, and realizing the tracking, collection and recording of the data transmission traffic; the security calculation module 43: is responsible for using cryptographic algorithms to encrypt and decrypt the generated data messages; the message parsing module 44: is responsible for parsing the message of the TPP data packet. The parser extracts the field data from the message and further passes it to the pipeline and sends it to the three-state content addressable register (TCAM); the three-state content addressable register (TCAM) 45: is an important component in the server, which is different from the traditional RAM (Random Access Memory). Unlike TCAM, TCAM can query multiple addresses simultaneously within one clock cycle, and has the characteristics of high-speed matching and parallel search. In the present invention, TCAM is responsible for routing data packets using parsing fields, including a combination of a layer 2 MAC table, a layer 3 longest prefix matching table, and a flexible TCAM table; TPP small data packet program CPU (TCPU) 45: as a very small execution unit CPU, it is responsible for executing the small data packet program (TPP) in the data plane pipeline of the ASIC. During execution, TCUP will parse and execute these instructions in sequence; network management module 47: responsible for managing the routing of data transmission messages, calculating, saving, deleting and adding routing information, and adjusting the data transmission strategy according to the traffic of each communication server link in the network, wherein the data processing method of the network management module includes the following definitions: Definition 1: Small data packet program (TPP): TPP is an Ethernet data packet with a uniquely identifiable message header. The structure of the data packet includes instructions, some additional space (packet memory), and encapsulates an optional Ethernet payload. TPP has complete packet memory and can also access shared memory on the switch, such as RAM and internal registers, through a virtual address interface; Definition 2: Application Integrated Circuit (ASIC): ASIC is a special integrated circuit designed and built to meet specific user requirements and the needs of specific electronic systems. It usually has high performance and low power consumption. ASIC can accelerate tasks such as deep learning and artificial intelligence; in communication equipment, ASIC can provide faster and more reliable data transmission; Definition 3: Rate-based Congestion Control (RCP): RCP is a congestion control algorithm that can quickly allocate link capacity to help data flows complete their work quickly.

[0105] It should be noted that the message format of the small data packet program (TPP) used in the transaction of this embodiment includes: an Ethernet data packet header, a TPP instruction set, an Ethernet data packet memory, and an Ethernet data packet payload. Among them, the Ethernet data packet header: TPP is executed on the TCPU on the ASIC. The Ethernet data packet header is responsible for defining the data structure of the TPP, including the TPP length, the Ethernet data packet memory length, the memory address, the number of HOPs and the stack pointer, the memory length of each HOP, etc.; the TPP instruction set: is responsible for storing the instruction code used to collect the data packet flow rate, the queuing status, and calculate the fair sharing rate. The TPP instruction set is loaded and executed in the TCPU, and the execution results are stored in the Ethernet data packet memory 33; the TPP instruction set is mainly implemented in assembly language. Table 1 is an example of an optional TPP instruction according to the embodiment of the present application, as shown in Table 1:

[0106] Table 1

[0107] instruction Instruction Description PUSH Copies data values ​​from the switch to the packet STORE,POP Loading data values ​​from the packet into the switch CSTORE Conditional storage for atomic operations CEXEC Conditionally execute subsequent instructions

[0108] Ethernet packet memory: When the terminal is initialized, the Ethernet packet memory loads initialization data to the ASIC, which is responsible for storing the execution results of the TPP instruction by accessing the memory address space of the switch. In addition, Table 2 is an example of optional data information accessible by the TPP according to an embodiment of the present application. As shown in Table 2, the TPP can also access the following data information:

[0109] Table 2

[0110] Memory Namespace Description and examples Switch equipment Switch ID, version number, global counter, etc. port Data link utilization, number of received bytes, number of deleted bytes, number of bytes queued, etc. queue Bytes queued, bytes deleted, etc. Ethernet data packets Packet routing, input / output ports

[0111] Ethernet data packet payload: responsible for storing the main data information of the Ethernet data packet, such as TCP packet header, message information, etc.

[0112] Optionally, Table 3 is an example of an optional TPP message format according to an embodiment of the present application. As shown in Table 3, the TPP message format consists of an Ethernet data packet header (length 5 bytes), a TPP instruction set (length 20 bytes), an Ethernet packet memory (length 60 bytes), and an Ethernet packet payload (length 120 bytes).

[0113] Table 3

[0114]

[0115]

[0116] In an optional embodiment, Figure 5 This is a data processing flow chart of an optional network management module according to an embodiment of the present application, such as Figure 5As shown, step S501: the sender initializes the low-latency network control parameters, and sets K as the switch ID on the link path, such as the initial queue length, the flow rate update time interval T = 1s, and the RCP parameters α = 0.5 and β = 1; step S502: for each switch k on the path, the following processing is performed cyclically: for all switches k (k∈[1,n]), execute the following statement: PUSH[Switch:SwitchID], and transfer the data packet with the switch ID; step S503: query and obtain the queue size q(t) of the switch at time t, and execute the following algorithm statements in sequence (load the obtained queue size into the data packet): PUSH[Link:QueueSize]; step S504: query and obtain the average link utilization y(t) at time t, and execute the following statement: PUSH[Link:RX-Uti lization], and load the obtained average utilization into the data packet; Step S505: Execute the following calculation steps of the flow control protocol to calculate the fair share rate of each link, such as formula (5). After completion, execute the following statement: PUSH[Link:RCP-RateRegister] to load the fair share rate into the data packet; Step S506: Execute the above RCP instruction in the TCPU of the ASIC and transmit the information back to the sender data plane; Step S507: The sender server checks whether the collection of information on all links has been completed. If not, continue to collect (return to S502), otherwise execute the next algorithm processing; Step S508: Let L represent the link variable, for each link;:=;∈[1:n], execute the following algorithm processing in a loop; Step S509: Calculate the average fair share rate R(t) of each link avg , the calculation method is as shown in formula (6); Step S510: Let L represent the link variable, for each link L: = L∈[1:n], the following algorithm is executed cyclically; Step S511: According to the average fair sharing rate R(t) of each link avg , compare and get the switch ID that generates the rate bottleneck, set it as b, and its register as reg b ; Step S512: Set mask to mask, calculate the relationship between the registers of b, if reg b &mask=VALUE, then execute the next step. If reg b If &mask=VALUE is not established, then return to step S510; step S513: execute the TPP program to update the ASIC register data. The specific execution steps are as follows:

[0117] CEXEC[Switch:SwitchID],0xFFFFFFFF,$b / / Calculate reg b &mask;

[0118] STORE[Link:reg b ],[PMem:Offset] / / Update the fair share rate and upload the register memory.

[0119] Wherein, mask = 0xFFFFFFFF, $b represents the ID of the rate bottleneck switch, and PMem:Offset represents the address of the packet memory in the ASIC.

[0120] Step S514: Complete the low-latency network control strategy update and start low-latency data transmission.

[0121] In an optional embodiment, Figure 6 This is a flowchart of an optional financial product transaction data processing according to an embodiment of the present application, such as Figure 6 As shown, the product issuing institution is preparing to issue a certain wealth management product and plans to sell it within the five branches A / B / C / D / E. For example, a customer of branch A purchases the wealth management product, and the system processes the data of the transaction.

[0122] The specific steps are as follows:

[0123] Step S601: A product issuer prepares to issue a product. It configures the product's relevant parameters on its application server, including the start and end times of sales, the total amount of the product, the planned sales branches, the quota allocated to each branch, eligibility parameters for participating customers, the maximum number of connections, and the timeout period. These parameters are then synchronized to all other branch application servers via the communication server. Customer Zhang completes real-name user registration on the transaction terminal, which is initialized and downloads the key to the terminal.

[0124] Step S602: During the activity, the customer submits a financial product purchase request on the customer transaction terminal. The transaction request data includes the type of product to be purchased, the quantity, the amount, and the personal account to be deducted. The transaction request is submitted to the application server of Branch A. The application server assigns a transaction token to the transaction and uses the token bucket algorithm to limit the access traffic according to the parameter settings, so that the transaction filtering module can effectively filter all purchase transaction requests and only retain valid transaction requests that meet the preset transaction conditions. The transaction matching module matches each transaction request with each inventory quota in the inventory control module one by one, and the qualification generation module generates the order qualification certificate corresponding to the customer.

[0125] Step S603: The settlement module debits the personal account based on the amount in the transaction data with the order qualification certificate, adding the purchased product quota to the personal account. The inventory control module deducts the total quota of Activity A Branch accordingly. The purchase transaction is successful, and the application server returns the transaction result to the customer's transaction terminal. The user can use the transaction query module to query the product quota they own.

[0126] Step S604: The inventory control module initiates a quota update transaction request. The transaction data includes the product type and quantity of the current purchase transaction, as well as the number of quotas currently remaining at Branch A. The transaction request is then sent to Branch A's communication server. If the product is hot, the transaction volume will be large, which can easily cause network congestion. However, the transaction must be time-sensitive, especially if there are insufficient quotas. The transaction results must be sent to the product issuer's application server as soon as possible to obtain the new quota.

[0127] Step S605: The communication module of Branch A's communication server packages the transaction data into TPP message packets. The traffic collection module loops through the following process for each switch k on the path: For all switches (k∈[1,n]), execute the following statement: PUSH[Switch:SwitchID] transmits the packet with the switch ID; execute the following calculation steps of the flow control protocol to calculate the fair share rate for each link, as calculated in formula (5). Each router checks whether its estimated R(t) is less than the fair share of traffic (indicated in the header of each packet); if so, it replaces the fair share of traffic with R(t).

[0128] Step S606: The network management module executes the RCP instructions on the ASIC's TCPU, executes the TPP program, determines the fastest transmission path and the address of the other switch, completes the low-latency network control policy update, and begins data transmission to the next communication server. The network management module of each communication server executes the same steps, and finally the transaction data packet is transmitted to the product issuer's communication server.

[0129] Step S607: The product issuer's communication server sends the data packet to the product issuer's application server. Based on the transaction data, the server updates Branch A's remaining quota. If Branch A's remaining quota has returned to zero, half of the remaining quota from the branch with the largest remaining quota in the parameter table is allocated to Branch A. In this embodiment, assuming that Branch E has the largest remaining quota among Branches B, C, D, and E, half of Branch E's remaining quota is deducted and given to Branch A.

[0130] Step S608: The product issuing agency application server initiates a product quota adjustment transaction to the E bank application server. The E bank application server receives the transaction request, deducts and updates the product quota in the parameter table, and returns the transaction result to the product issuing agency application server after the transaction is successful.

[0131] Step S609: The product issuer application server initiates a product quota adjustment transaction to the bank A application server. Upon receiving the transaction request, the bank A application server increases and updates the product quota in the parameter table. If the transaction is successful, the transaction result is returned to the product issuer application server. The transaction ends.

[0132] The present application also provides a device for processing financial product transaction data. It should be noted that the device for processing financial product transaction data in the present application can be used to execute the method for processing financial product transaction data provided in the present application. The following describes the device for processing financial product transaction data provided in the present application.

[0133] Optionally, Figure 7 This is an optional connection diagram of a processing system for financial product transaction data according to an embodiment of the present application, such as Figure 7As shown, the system adopts a distributed architecture that fully utilizes the application servers of bank branches across the country, distributing transaction processing pressure. The system integrates the communication servers of each branch into a data transmission network. The system includes customer transaction terminals, multiple bank branch application servers (A, B, C, D, and E branch application servers), multiple bank branch communication servers (A, B, C, D, and E branch communication servers), product issuer communication servers, and product issuer application servers. Each bank's customer transaction terminals connect to its branch application servers via a wired or wireless network; each bank's branch application servers connect to its branch communication servers via the bank's fiber optic network; and each branch's communication servers are connected in pairs via the bank's internal dedicated fiber optic lines, forming the financial services network. The customer transaction terminal is responsible for providing users with services such as querying financial product promotion information, purchasing wealth management products, and trading financial products, and performs group signing, encryption, and decryption on transaction request data. The bank branch application server is responsible for pre-processing transaction data based on configured product transaction parameters, setting token algorithms, filtering individual transaction requests, retaining valid transaction requests that meet preset transaction conditions, and limiting transaction request traffic. The bank's branch communication server is responsible for exchanging data with other branch communication servers and the product issuer communication server. This server establishes a secure channel with other communication servers for secure data transmission. The communication server embeds execution logic for collecting queue information and traffic rates within the Ethernet Small Packet (TPP), adopting a programmable design. This allows it to effectively detect switch queue information and formulate appropriate routing strategies, achieving excellent low latency while effectively improving system stability, timeliness, and security. The product issuer can be a bank branch or a third-party organization. The product issuer application server allocates product quotas and sends the quota results to the application servers of each branch. Every time a branch conducts a transaction, the result of the successful transaction is sent to the product issuing agency's application server. The server registers the number of transactions of each branch, calculates the usage of each branch's quota, and reclaims the quota from the branch with the largest quota and transfers it to the branch that has used up the quota. The product issuing agency's application server is responsible for distributing the product shares to each branch's application server, collecting the quota usage of each branch's application server, and dynamically adjusting the product quota on each application server.

[0134] According to an embodiment of the present application, a device for processing the above-mentioned financial product transaction data is also provided. Figure 8 is a schematic diagram of an optional device for processing financial product transaction data according to an embodiment of the present application, such as Figure 8 As shown, the device includes: a receiving unit 801, a detecting unit 802, a determining unit 803, and a transmitting unit 804.

[0135] Optionally, the receiving unit 801 is used to receive a transaction request submitted by a user through a target application server of a target sales institution, wherein the transaction request is used to represent the user's request to purchase a target quantity of financial products; the detecting unit 802 is used to detect a target network switch between the target application server and a target communication server of an issuer of the financial products, wherein the fair sharing rate of a data link where the target network switch is located is less than the fair sharing rate of other data links, and the other data links are data links that do not include the target network switch, wherein the fair sharing rate is used as reference information for adjusting the transmission rate of any data link; the determining unit 803 is used to determine a target routing path between the target application server and the target communication server based on a path selection strategy that avoids passing through the target network switch; and the transmitting unit 804 is used to transmit the transaction request from the target application server to the target communication server via the target routing path.

[0136] Optionally, the detection unit 802 includes: a first detection subunit, a first determination subunit, and a second determination subunit. The first detection subunit is configured to, when there are N data links between the target application server and the target communication server, detect the queue size of the network switch in each data link, where N is an integer greater than 1, and the queue size represents the amount of data to be sent by the network switch; the first determination subunit is configured to determine the fair share rate of each data link based on the queue size of the network switch in each data link; and the second determination subunit is configured to determine the target network switch between the target application server and the target communication server based on the fair share rate of each data link.

[0137] Optionally, the device for processing financial product transaction data also includes: a first receiving unit, used to receive configuration information of the financial product sent by the target communication server through the target application server, wherein the configuration information includes at least one of the following information: the sales time of the financial product; the total amount of the financial product issued; the institutional information of multiple sales institutions of the financial product, wherein the multiple sales institutions include the target sales institution; the sales quota of each sales institution for the financial product; the object information of the sales object of the financial product; the maximum number of connections and the maximum connection duration of the target communication server.

[0138] Optionally, the receiving unit 801 includes: a first selection subunit, configured to, when the target application server detects that L transaction requests correspond to the same source IP address, select one transaction request from the L transaction requests as a valid transaction request, and treat the unselected transaction requests from the L transaction requests as invalid transaction requests, where L is an integer greater than 1.

[0139] Optionally, the apparatus for processing financial product transaction data further includes: a first query unit, a first processing unit, and a second processing unit. The first query unit is configured to query the target sales institution's remaining sales quota for the financial product based on the transaction request; the first processing unit is configured to deduct the target purchase quota from the target sales institution's remaining sales quota if the target sales institution's remaining sales quota is greater than or equal to the target purchase quota for the financial product in the transaction request; and the second processing unit is configured to deduct the target sales institution's entire remaining sales quota if the target sales institution's remaining sales quota is less than the target purchase quota for the financial product in the transaction request, and to deduct a first quota from the first sales institution's remaining sales quota, wherein the sum of the first quota and the target sales institution's entire remaining sales quota equals the target purchase quota, and the first sales institution is the sales institution with the largest remaining sales quota for the financial product among all sales institutions other than the target sales institution.

[0140] Optionally, the first determination subunit includes: a first acquisition module and a first determination module. The first acquisition module is configured to acquire the identifier, queue size, and average link utilization of each network switch in each data link when a data packet flows through the network switch in the data link; and the first determination module is configured to determine the fair share rate of each data link based on the queue size of each switch in the data link and the average link utilization of each data link.

[0141] Optionally, the first determination module includes: a first detection submodule, a second detection submodule, and a first determination submodule. The first detection submodule is configured to detect the capacity of each data link, where the capacity represents the maximum transmission rate of each data link; the second detection submodule is configured to detect the average round-trip time for traffic traversing each data link; and the first determination submodule is configured to determine the fair share rate of each data link based on the capacity, average link utilization, average round-trip time, and the queue size of the network switch in the data link.

[0142] Optionally, the second determination subunit includes: a first calculation module and a second determination module. The first calculation module is configured to calculate, based on the fair share rate of each data link, an average of N fair share rates of N data links to obtain an average fair share rate; and the second determination module is configured to determine, based on the average fair share rate and the fair share rate of each data link, a target network switch between the target application server and the target communication server, wherein the fair share rate of the data link where the target network switch is located is less than the average fair share rate.

[0143] Optionally, the apparatus for processing financial product transaction data further includes: a first acquisition unit and a first determination unit. The first acquisition unit is configured to acquire a register value corresponding to a target network switch; and the first determination unit is configured to determine whether to execute a target program based on the register value and a preset mask value, wherein the target program is configured to update the fair share rate of a data link on which the target network switch resides.

[0144] Optionally, the first determining unit includes: a third determining subunit, a second detecting subunit, a fourth determining subunit, and a fifth determining subunit. The third determining subunit is configured to determine the result of an AND operation between the register value and a preset mask value; the second detecting subunit is configured to detect whether the AND operation result is equal to a preset threshold; the fourth determining subunit is configured to determine whether to execute the target program if the AND operation result is equal to the preset threshold; and the fifth determining subunit is configured to determine whether to not execute the target program if the AND operation result is not equal to the preset threshold.

[0145] According to another aspect of an embodiment of the present application, a computer-readable storage medium is also provided, which includes a stored executable program, wherein when the executable program is running, the device where the computer-readable storage medium is located is controlled to execute the above-mentioned method for processing financial product transaction data.

[0146] According to another aspect of an embodiment of the present application, an electronic device is further provided, including: a memory storing an executable program; and a processor for running the program, wherein the program executes the above-mentioned method for processing financial product transaction data when running.

[0147] According to another aspect of an embodiment of the present application, a computer program product is further provided, comprising computer instructions, which, when executed by a processor, implement the steps of the above-mentioned method for processing financial product transaction data.

[0148] The serial numbers of the above embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0149] In the above embodiments of the present application, the description of each embodiment has its own focus. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0150] 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 exemplary. For example, the division of the units can be a logical function division. In actual implementation, there may be other division methods, such as 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.

[0151] The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple units. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0152] In addition, the functional units in the various embodiments of the present application may be integrated into a single processing unit, or each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or software functional units.

[0153] 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 is essentially 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 for enabling a computer device (which can be a personal computer, a server or a network device, etc.) to execute all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: various media that can store program codes, such as a USB flash drive, a read-only memory (ROM), a random access memory (RAM), a mobile hard disk, a magnetic disk or an optical disk.

[0154] The above is only a preferred embodiment 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 product transaction data, characterized in that: include: Receiving, through a target application server of a target sales institution, a transaction request submitted by a user, wherein the transaction request is used to indicate that the user requests to purchase a target quantity of a financial product; detecting a target network switch between the target application server and a target communication server of the issuer of the financial product, wherein a fair share rate of a data link on which the target network switch resides is less than a fair share rate of other data links, the other data links being data links that do not include the target network switch, wherein the fair share rate is used as reference information for adjusting the transmission rate of any data link; determining a target routing path between the target application server and the target communication server according to a path selection strategy that avoids passing through the target network switch; The transaction request is transmitted from the target application server to the target communication server via the target routing path.

2. The method for processing financial product transaction data according to claim 1, characterized in that: Detecting a target network switch between the target application server and a target communication server of the issuer of the financial product, comprising: In a case where N data links exist between the target application server and the target communication server, detecting a queue size of a network switch in each data link, where N is an integer greater than 1, and the queue size represents an amount of data to be sent by the network switch; Determining a fair share rate for each data link based on a queue size of a network switch in each data link; A target network switch between the target application server and the target communication server is determined according to the fair share rate of each data link.

3. The method for processing financial product transaction data according to claim 1, characterized in that: Before receiving the transaction request submitted by the user through the target application server of the target sales organization, the method further includes: The target application server receives configuration information of the financial product sent by the target communication server, wherein the configuration information includes at least one of the following information: the time of sale of the financial product; The total amount of the financial products issued; Institutional information of multiple sales institutions of the financial product, wherein the multiple sales institutions include the target sales institution; The sales quota of each sales organization for the financial products; Information about the target audience of the financial product; The maximum number of connections and the maximum connection duration of the target communication server.

4. The method for processing financial product transaction data according to claim 1, characterized in that: The target application server of the target sales organization receives the transaction request submitted by the user, including: When the target application server detects that L transaction requests correspond to the same source IP address, one transaction request is selected from the L transaction requests as a valid transaction request, and the unselected transaction requests from the L transaction requests are regarded as invalid transaction requests, where L is an integer greater than 1.

5. The method for processing financial product transaction data according to claim 1, characterized in that: After transmitting the transaction request from the target application server to the target communication server through the message routing path, the method further includes: querying the target sales institution for the remaining sales quota of the financial product according to the transaction request; If the remaining sales quota of the target sales institution is greater than or equal to the target purchase quota for the financial product in the transaction request, deduct the target purchase quota from the remaining sales quota of the target sales institution; In the case that the remaining sales quota of the target sales institution is less than the target purchase amount for the financial product in the transaction request, the entire remaining sales quota of the target sales institution is deducted, and the first quota is deducted from the remaining sales quota of the first sales institution, wherein the sum of the first quota and the entire remaining sales quota of the target sales institution is equal to the target purchase amount, and the first sales institution is the sales institution with the largest remaining sales quota for the financial product among all sales institutions except the target sales institution.

6. The method for processing financial product transaction data according to claim 2, characterized in that: Determining a fair share rate for each data link according to a queue size of a network switch in each data link includes: When the data packet flows through each network switch of each data link, obtaining the identifier of each network switch in the data link, the queue size, and the average link utilization of the data link; The fair share rate of each data link is determined according to the queue size of each switch in each data link and the average link utilization of each data link.

7. The method for processing financial product transaction data according to claim 6, characterized in that: Determining a fair share rate for each data link according to a queue size of each switch in each data link and an average link utilization of each data link includes: detecting a capacity of each of the data links, wherein the capacity represents a maximum transmission rate of each of the data links; detecting an average round trip time for traffic to traverse each of the data links; The fair share rate of each data link is determined according to the capacity, average link utilization, average round trip time of each data link and the queue size of the network switch in the data link.

8. The method for processing financial product transaction data according to claim 2, characterized in that: Determining a target network switch between the target application server and the target communication server according to the fair share rate of each data link includes: Calculating an average of N fair share rates of the N data links according to the fair share rate of each data link to obtain an average fair share rate; A target network switch between the target application server and the target communication server is determined based on the average fair share rate and the fair share rate of each data link, wherein the fair share rate of the data link where the target network switch is located is less than the average fair share rate.

9. The method for processing financial product transaction data according to claim 1, characterized in that: After detecting a target network switch between the target application server and a target communication server of the issuer of the financial product, the method further includes: Obtaining a value of a register corresponding to the target network switch; Whether to execute a target program is determined according to the value of the register and a preset mask value, wherein the target program is used to update the fair share rate of the data link where the target network switch is located.

10. The method for processing financial product transaction data according to claim 9, characterized in that: Determining whether to execute a target program according to the register value and a preset mask value includes: Determine an AND operation result of the register value and the preset mask value; Detecting whether the AND operation result is equal to a preset threshold; When it is detected that the AND operation result is equal to the preset threshold, determining to execute the target program; When it is detected that the AND operation result is not equal to the preset threshold, it is determined not to execute the target program.

11. A device for processing financial product transaction data, characterized in that: include: a receiving unit, configured to receive, through a target application server of a target sales institution, a transaction request submitted by a user, wherein the transaction request is used to indicate that the user requests to purchase a target quantity of a financial product; a detection unit, configured to detect a target network switch between the target application server and a target communication server of the issuer of the financial product, wherein a fair share rate of a data link on which the target network switch resides is less than a fair share rate of other data links, the other data links being data links that do not include the target network switch, wherein the fair share rate is used as reference information for adjusting a transmission rate of any data link; a determining unit, configured to determine a target routing path between the target application server and the target communication server according to a path selection strategy that avoids passing through the target network switch; A transmission unit is configured to transmit the transaction request from the target application server to the target communication server via the target routing path.

12. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, wherein when the computer program is executed, the device where the computer-readable storage medium is located executes the method for processing financial product transaction data according to any one of claims 1 to 10.

13. An electronic device, characterized in that: The method comprises one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors execute the method for processing financial product transaction data according to any one of claims 1 to 10.

14. A computer program product comprising computer instructions, characterized in that When the computer instructions are executed by a processor, the method for processing financial product transaction data according to any one of claims 1 to 10 is implemented.

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