Financial product reservation method and device, electronic equipment and program product

Abstract

The invention discloses a reservation method and device for a financial product, electronic equipment and a program product, and relates to the field of financial science and technology, and the reservation method comprises the steps: receiving a reservation request, adding the reservation request to a reservation queue, judging whether the current reservation number is greater than a preset reservation threshold value or not, and if yes, determining that the reservation number is greater than the preset reservation threshold value; when the current reservation number is greater than a preset reservation threshold value, stopping receiving the reservation request, receiving a candidate request, adding the candidate request to a candidate queue, and verifying reservation identity information in the reservation queue and candidate identity information in the candidate queue; and obtaining a first verification result of the reservation queue and a second verification result of the candidate queue, and based on the first verification result and the second verification result, performing reservation quota allocation on the candidate request to complete reservation of the financial product. The technical problem that financial products cannot be effectively distributed due to the fact that the financial products cannot be effectively reserved in the prior art is solved.

Description

TECHNICAL FIELD

[0001] The present application relates to the field of financial technology, in particular to a method and device for reserving a financial product, an electronic device and a program product. BACKGROUND

[0002] The current reservation and redemption mechanism of the financial product adopts an online application and offline redemption form, aiming to balance the supply and demand of the financial product resources and ensure the orderly progress of the redemption process.

[0003] However, the reservation and redemption mechanism faces many problems in operation, affecting the efficiency of financial institution services and the experience of the public. On the one hand, some of the public fail to complete the redemption within the specified time due to personal reasons after reserving the financial product, resulting in idle financial product resources and reducing the efficiency of financial institution services. On the other hand, due to the limited issuance of the financial product and the large demand of the public, the resource allocation strategy in the current reservation mechanism is relatively fixed and cannot effectively identify and respond to the real redemption demand of the public. Once the reservation quota is allocated, the resources occupied by the part of the reservation that eventually does not redeem cannot be recovered immediately, resulting in resource waste.

[0004] At present, there is no effective solution to the above problems. SUMMARY

[0005] Embodiments of the present application provide a method and device for reserving a financial product, an electronic device and a program product to at least solve the technical problem that the financial product cannot be effectively reserved in the related art, resulting in the financial product cannot be effectively allocated.

[0006] According to an aspect of an embodiment of the present application, a method for reserving a financial product is provided, comprising: receiving a reservation request and adding the reservation request to a reservation queue, wherein the reservation request carries reservation information, and the reservation information at least includes: reservation identity information; determining whether the current reservation quantity is greater than a preset reservation threshold, and in the case that the current reservation quantity is greater than the preset reservation threshold, stopping receiving the reservation request and receiving a backup request, wherein the current reservation quantity refers to the number of reservation requests received in the reservation queue, the backup request carries backup information, and the backup information at least includes: backup identity information; adding the backup request to a backup queue, and verifying the reservation identity information in the reservation queue and the backup identity information in the backup queue respectively to obtain a first verification result of the reservation queue and a second verification result of the backup queue; based on the first verification result and the second verification result, allocating reservation quotas to the backup request to complete the reservation of the financial product.

[0007] Further, the first verification result at least includes: the appointment request that has passed the verification and the appointment request that has not passed the verification, after the appointment identity information in the appointment queue and the candidate identity information in the candidate queue are verified respectively, the first verification result of the appointment queue and the second verification result of the candidate queue are obtained, further includes: based on the first verification result, determining the number of the appointment request that has not passed the verification; releasing the appointment quota of the number of the appointment request that has not passed the verification, and deleting the appointment request that has not passed the verification in the appointment queue.

[0008] Further, the second verification result at least includes: the candidate request that has passed the verification and the candidate request that has not passed the verification, after the appointment identity information in the appointment queue and the candidate identity information in the candidate queue are verified respectively, the first verification result of the appointment queue and the second verification result of the candidate queue are obtained, further includes: based on the second verification result, deleting the candidate request that has not passed the verification in the candidate queue.

[0009] Further, based on the first verification result and the second verification result, the step of allocating the appointment quota to the candidate request includes: sorting all the candidate requests in the candidate queue according to the candidate application time carried in the candidate request to obtain a first sorted candidate application set; allocating the appointment quota of the number of the appointment request that has not passed the verification to all the candidate requests in the first sorted candidate application set within a first preset range, wherein the first preset range is determined based on the number of the appointment request that has not passed the verification; determining the candidate processing result of all the candidate requests in the candidate queue, wherein the candidate processing result of all the candidate requests in the first sorted candidate application set within the first preset range is candidate success, and the candidate processing result of all the candidate requests in the first sorted candidate application set outside the first preset range is candidate failure.

[0010] Further, after the first and second verification results are used to allocate the pre-booking quota to the candidate requests, the method further comprises: representing a financial product indicated by pre-booking financial product information carried in the pre-booking request that has passed the verification in the first verification result as a pre-booking financial product; representing a financial product indicated by candidate financial product information carried in the candidate request with a candidate success result as a candidate financial product; exchanging the pre-booking financial product and the candidate financial product to obtain a first exchange result of the pre-booking request and a second exchange result of the candidate request; determining a first financial product quantity that is not exchanged based on the first and second exchange results; and allocating the pre-booking quota to the candidate request with a candidate result based on the first financial product quantity that is not exchanged if the first financial product quantity that is not exchanged is greater than a preset value.

[0011] Further, the step of allocating the pre-booking quota to the candidate request with a candidate result based on the first financial product quantity that is not exchanged comprises: determining an allocated quota based on the first financial product quantity that is not exchanged; sorting the candidate request with a candidate result based on the candidate application time carried in the candidate request to obtain a second sorted candidate application set; allocating the allocated quota to all the candidate requests in the second sorted candidate application set within a second preset range, and updating the candidate result of the candidate request that is successfully allocated to the allocated quota to a candidate success result.

[0012] Further, after the candidate result of the candidate request that is successfully allocated to the allocated quota is updated to a candidate success result, the method further comprises: exchanging the financial product indicated by the candidate financial product information carried in the candidate request with a candidate success result to obtain a third exchange result of the candidate request; determining a second financial product quantity that is not exchanged based on the third exchange result; and allocating the pre-booking quota to the candidate request with a candidate result based on the second financial product quantity that is not exchanged until the second financial product quantity that is not exchanged is equal to the preset value if the second financial product quantity that is not exchanged is greater than the preset value.

[0013] According to another aspect of the embodiments of this application, a reservation device for financial products is also provided, comprising: a receiving unit, configured to receive reservation requests and add the reservation requests to a reservation queue, wherein the reservation request carries reservation information, the reservation information including at least: reservation identity information; a judging unit, configured to judge whether the current reservation quantity is greater than a preset reservation threshold, and if the current reservation quantity is greater than the preset reservation threshold, stop receiving the reservation requests and receive waitlist requests, wherein the current reservation quantity refers to the number of reservation requests received in the reservation queue, and the waitlist requests carry waitlist information, the waitlist information including at least: waitlist identity information; a verification unit, configured to add the waitlist requests to a waitlist queue, and verify the reservation identity information in the reservation queue and the waitlist identity information in the waitlist queue respectively, to obtain a first verification result of the reservation queue and a second verification result of the waitlist queue; and an allocation unit, configured to allocate reservation slots to the waitlist requests based on the first verification result and the second verification result, thereby completing the reservation of the financial product.

[0014] Further, the reservation device includes: the first verification result includes at least: the reservation requests that have passed verification and the reservation requests that have not passed verification; a first determining module, used to determine the number of reservation requests that have not passed verification based on the first verification result after verifying the reservation identity information in the reservation queue and the waitlist identity information in the waitlist queue respectively, and obtaining the first verification result of the reservation queue and the second verification result of the waitlist queue; and a first processing module, used to release the reservation slots of the number of reservation requests that have not passed verification and delete the reservation requests that have not passed verification from the reservation queue.

[0015] Furthermore, the reservation device includes: the second verification result includes at least: the waitlist requests that have passed verification and the waitlist requests that have not passed verification; and a first deletion module, used to delete the waitlist requests that have not passed verification in the waitlist queue based on the second verification result after verifying the reservation identity information in the reservation queue and the waitlist identity information in the waitlist queue respectively to obtain the first verification result of the reservation queue and the second verification result of the waitlist queue.

[0016] Further, the allocation unit includes: a first sorting module, configured to sort all candidate requests in the candidate queue according to the candidate application time carried in the candidate request, to obtain a first sorted candidate application set; a first allocation module, configured to allocate the number of failed reservation slots to all candidate requests in the first sorted candidate application set that are within a first preset range, wherein the first preset range is determined based on the number of failed requests; and a second determining module, configured to determine the candidate processing result of all candidate requests in the candidate queue, wherein the candidate processing result of all candidate requests in the first sorted candidate application set that are within the first preset range is "cancelled," and the candidate processing result of all candidate requests in the first sorted candidate application set that are outside the first preset range is "in the queue."

[0017] Further, the reservation device includes: a first characterization module, used to characterize the financial product indicated by the reservation financial product information carried in the reservation request that has passed verification in the first verification result as a reservation financial product after allocating reservation slots to the waitlist request based on the first verification result and the second verification result; a second characterization module, used to characterize the financial product indicated by the waitlist financial product information carried in the waitlist request that has been successfully waitlisted as a waitlist financial product; a first redemption module, used to redeem the reservation financial product and the waitlist financial product to obtain a first redemption result of the reservation request and a second redemption result of the waitlist request; a third determination module, used to determine the number of unredeemed first financial products based on the first redemption result and the second redemption result; and a second allocation module, used to allocate slots to the waitlist requests that have been waitlisted if the number of unredeemed first financial products is greater than a preset value, based on the number of unredeemed first financial products.

[0018] Further, the second allocation module includes: a first determining submodule, used to determine the allocation quota based on the quantity of the first financial product that has not been redeemed; a first sorting submodule, used to sort the candidate requests whose waiting processing result is in the waiting list according to the waiting application time carried in the waiting request, to obtain a second sorted waiting application set; and a first allocation submodule, used to allocate the allocation quota to all the candidate requests in the second sorted waiting application set that are within a second preset range, and update the waiting processing result of the candidate request that has been successfully allocated the allocation quota to "waitlist successful".

[0019] Furthermore, the reservation device includes: a second redemption module, used to redeem the financial product indicated by the waiting financial product information carried by the waiting request whose waiting processing result is successful after updating the waiting processing result of the waiting request that has been successfully allocated to the allocation quota to "waitee success", thereby obtaining a third redemption result of the waiting request; a fourth determination module, used to determine the number of unredeemed second financial products based on the third redemption result; and a third allocation module, used to allocate quotas to the waiting requests whose waiting processing result is "waitee" based on the number of unredeemed second financial products when the number of unredeemed second financial products is greater than the preset value, until the number of unredeemed second financial products equals the preset value.

[0020] According to another aspect of the embodiments of this application, a computer program product is also provided, including a non-volatile computer-readable storage medium storing a computer program, which, when executed by a processor, implements the reservation method for any of the above-mentioned financial products.

[0021] According to another aspect of the embodiments of this application, an electronic device is also provided, including one or more processors and a memory, the memory being 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 cause the one or more processors to implement the reservation method for any of the above-described financial products.

[0022] In this invention, a reservation request is received and added to a reservation queue. It is then determined whether the current number of reservations exceeds a preset reservation threshold. If the current number of reservations exceeds the preset threshold, receiving reservation requests stops, and a waiting list request is received and added to a waiting list queue. The identity information of both the reservation requester in the reservation queue and the waiting list member in the waiting list queue is verified to obtain a first verification result for the reservation queue and a second verification result for the waiting list queue. Based on these two verification results, reservation slots are allocated to the waiting list requests, thus completing the reservation of the financial product. This solves the technical problem in related technologies where effective reservation of financial products is impossible, leading to the inability to effectively allocate financial products.

[0023] In this invention, the reservation system can receive reservation requests from customers and add them to a reservation queue. It can then determine if the number of reservations in the current queue exceeds a preset reservation threshold. If the number exceeds the threshold, it stops receiving reservation requests and can receive waitlist requests, adding them to a waitlist queue. The system then verifies the reservation identity information carried in the reservation requests in the reservation queue and the waitlist identity information carried in the waitlist requests, obtaining a first verification result for the reservation queue and a second verification result for the waitlist queue. Based on these results, reservation slots are allocated to the waitlist requests, completing the reservation of financial products. This system enables dynamic allocation of financial product resources through the reservation queue and waitlist queue, improving reservation efficiency, reducing resource waste, and achieving effective reservation of financial products, thus ensuring their efficient allocation. Attached Figure Description

[0024] The accompanying drawings, which are included to provide a further understanding of the invention and form part of this invention, illustrate exemplary embodiments of the invention and are used to explain the invention, but do not constitute an undue limitation of the invention. In the drawings:

[0025] Figure 1 A hardware structure block diagram of a computer terminal (or mobile device) for implementing a reservation method for financial products is shown.

[0026] Figure 2 This is a flowchart of a reservation method for a financial product according to Embodiment 1 of this application;

[0027] Figure 3 This is a schematic diagram of an optional reservation system structure according to an embodiment of this application;

[0028] Figure 4 This is a schematic diagram of an optional financial product reservation process according to an embodiment of this application;

[0029] Figure 5 This is a schematic diagram of an optional financial product reservation device according to an embodiment of this application;

[0030] Figure 6 This is a structural block diagram of an electronic device according to an embodiment of this application. Detailed Implementation

[0031] To enable those skilled in the art to better understand the present invention, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings of the embodiments of the present invention. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort should fall within the scope of protection of the present invention.

[0032] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this invention are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of the invention described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover a non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0033] It should be noted that all related information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, and displayed data) collected and involved in this invention are information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of this data comply with the relevant laws, regulations, and standards of the relevant regions, necessary confidentiality measures have been taken, and it does not violate public order and good morals. Corresponding operation entry points are provided for users to choose to authorize or refuse. For example, this system has an interface with relevant users or organizations. Before obtaining relevant information, a request to obtain the information needs to be sent to the aforementioned user or organization through the interface, and the relevant information is obtained only after receiving consent from the aforementioned user or organization.

[0034] In this invention, financial product resources are flexibly and dynamically allocated through reservation queues and waiting queues, solving the problem of uneven resource allocation. During the reservation phase, the system receives customer reservation requests and performs initial allocation. When the reservation limit is reached, it automatically switches to the waiting queue mechanism, ensuring the continuity of resource allocation and equal opportunities for customer participation. After entering the verification period, the system strictly verifies the identity information of reservation and waiting queue customers. Reservations that fail verification are released, and their quotas are then intelligently reallocated to customers in the waiting queue, effectively improving reservation efficiency. At the same time, it effectively alleviates the contradiction between reservations not being fulfilled and reservations not being fulfilled, reducing the abandonment or cancellation rate of financial products, thereby improving the resource utilization rate of financial institutions.

[0035] The present invention will now be described in detail with reference to various embodiments.

[0036] Example 1

[0037] According to an embodiment of this application, an embodiment of a method for making reservations for financial products is also provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0038] The method embodiment provided in Embodiment 1 of this application can be executed on a mobile terminal, computer terminal, or similar computing device. Figure 1 A hardware block diagram of a computer terminal (or mobile device) for implementing a reservation method for financial products is shown. Figure 1 As shown, computer terminal 10 (or mobile device) may include one or more ( Figure 1 The processor 102 (which may include, but is not limited to, a microprocessor MCU or a programmable logic device FPGA, etc.), a memory 104 for storing data, and a transmission device 106 for communication functions may also be included. In addition, it may include: a display, a keyboard, a cursor control device, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of a BUS bus), a network interface, a power supply, and / or a camera, wherein the network interface can be connected to wired and / or wireless networks. Those skilled in the art will understand that... Figure 1 The structure shown is for illustrative purposes only and does not limit the structure of the aforementioned electronic device. For example, computer terminal 10 may also include... Figure 1 The more or fewer components shown, or having the same Figure 1 The different configurations shown.

[0039] It should be noted that the aforementioned one or more processors 102 and / or other data processing circuits are generally referred to herein as "data processing circuits". These data processing circuits may be embodied, in whole or in part, in software, hardware, firmware, or any other combination thereof. Furthermore, the data processing circuits may be a single, independent processing module, or may be integrated, in whole or in part, into any other element within the computer terminal 10 (or mobile device). As involved in the embodiments of this application, the data processing circuits serve as a processor control mechanism (e.g., selection of a variable resistor termination path connected to an interface).

[0040] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the financial product reservation method in this embodiment. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, thereby realizing the aforementioned financial product reservation method. The memory 104 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 104 may further include memory remotely located relative to the processor 102, and these remote memories can be connected to the computer terminal 10 via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0041] The transmission device 106 is used to receive or send data via a network. Specific examples of the network described above may include a wireless network provided by the communication provider of the computer terminal 10. In one example, the transmission device 106 includes a Network Interface Controller (NIC), which can connect to other network devices via a base station to communicate with the Internet. In another example, the transmission device 106 may be a Radio Frequency (RF) module, used for wireless communication with the Internet.

[0042] The display can be, for example, a touchscreen liquid crystal display (LCD) that allows the user to interact with the user interface of the computer terminal 10 (or mobile device).

[0043] Under the aforementioned operating environment, this application provides the following: Figure 2 The method for making an appointment for the financial products shown. Figure 2 This is a flowchart of a reservation method for a financial product according to Embodiment 1 of this application, such as... Figure 2 As shown, the method includes the following steps:

[0044] Step S201: Receive a reservation request and add the reservation request to the reservation queue. The reservation request carries reservation information, which includes at least the reservation identity information.

[0045] Optionally, customers can initiate reservation requests for financial products (such as commemorative coins) through terminal devices. The reservation module of the reservation system can receive reservation requests and add them to the reservation queue.

[0046] In this embodiment of the invention, the reservation request carries reservation information, which includes, but is not limited to: reservation identity information, reservation outlet information, reservation commemorative coin information, reservation application time, etc.

[0047] Step S202: Determine whether the current number of reservations is greater than the preset reservation threshold. If the current number of reservations is greater than the preset reservation threshold, stop receiving reservation requests and receive waitlist requests. Here, the current number of reservations refers to the number of reservation requests received in the reservation queue. The waitlist request carries waitlist information, which includes at least the waitlist identity information.

[0048] In this embodiment of the invention, it can be determined whether the current number of reservations (i.e. the number of reservation requests in the reservation queue) is greater than a preset reservation threshold (i.e., the upper limit of the number of reservation requests set in advance according to the actual situation). If the current number of reservations is greater than the preset reservation threshold, new reservation requests can be stopped.

[0049] In this embodiment of the invention, after receiving new reservation requests is stopped, customers who have not made a reservation can waitlist and can initiate a waitlist request. The waitlist request carries waitlist information, including but not limited to: waitlist identity information, waitlist outlet information, waitlist commemorative coin information, waitlist application time, etc. The waitlist module of the reservation system can receive waitlist requests.

[0050] It should be noted that the maximum number of waiting requests in the waiting queue can be determined based on the maximum number of reservation requests in the reservation queue. The ratio of the maximum number of waiting requests in the waiting queue to the maximum number of reservation requests in the reservation queue can be set as Z (a variable value). For example, if the maximum number of reservation requests in the reservation queue is 100 and the Z value is set to 0.5 (meaning the waiting queue can accommodate 50% of the reservation queue), then the maximum number of waiting requests in the waiting queue is 50.

[0051] Step S203: Add the standby request to the standby queue, and verify the reservation identity information in the reservation queue and the standby identity information in the standby queue respectively to obtain the first verification result of the reservation queue and the second verification result of the standby queue.

[0052] In this embodiment of the invention, a waiting list request can be added to a waiting list queue. After the reservation period (i.e., the time limit for initiating a reservation request, such as one week) and the waiting list period (i.e., the time limit for initiating a waiting list request, such as two weeks) expire, a verification period (i.e., the stage of verifying identity information, such as one day) can be entered. The verification module of the reservation system can verify the reservation identity information in the reservation queue and the waiting list identity information in the waiting list, and can obtain the first verification result of the reservation queue and the second verification result of the waiting list queue, so as to ensure the authenticity of the reservation request and the waiting list request.

[0053] Step S204: Based on the first verification result and the second verification result, allocate reservation slots for the waiting list requests and complete the reservation for the financial product.

[0054] Optionally, the reservation system can intelligently manage the reservation queue and waiting queue based on the first verification result and the second verification result.

[0055] In this embodiment of the invention, for the reservation customers corresponding to the reservation queue that failed verification in the first verification result, their occupied quotas can be released. For the waiting queue corresponding to the waiting queue that passed verification in the second verification result, the quotas released in the reservation queue can be obtained according to the order of waiting application time, thereby realizing the redistribution of reservation quotas. Based on the allocated quotas, reservations for financial products can be completed.

[0056] In summary, the reservation system, by assessing the number of requests in the reservation queue, can stop accepting reservation requests and instead accept waitlist requests when the number of reservations in the current queue exceeds a preset threshold. The system then adds these waitlist requests to a waitlist queue. It verifies the reservation identity information carried in both the reservation requests and waitlist identity information carried in the waitlist requests, obtaining a first verification result for the reservation queue and a second verification result for the waitlist queue. Based on these results, the system dynamically adjusts and prioritizes the allocation of reservation slots to customers in the waitlist queue, thus completing the reservation of financial products. This effectively improves the efficiency and flexibility of the reservation process and solves the technical problem in related technologies where the reservation of financial products is ineffective, leading to the inability to effectively allocate these products.

[0057] Optionally, the first verification result includes at least: verified reservation requests and unverified reservation requests. In order to accurately delete unverified reservation requests from the reservation queue, in the reservation method for financial products provided in Embodiment 1 of this application, after verifying the reservation identity information in the reservation queue and the waiting identity information in the waiting queue respectively, and obtaining the first verification result of the reservation queue and the second verification result of the waiting queue, the number of unverified reservation requests is determined based on the first verification result; the reservation slots of the unverified number are released, and the unverified reservation requests are deleted from the reservation queue.

[0058] In this embodiment of the invention, the verification module of the reservation system can output a first verification result (including: verified reservation requests and unverified reservation requests). The first verification result clearly reflects the verification status of each reservation request, including verified (e.g., T) or unverified (e.g., F). For unverified reservation requests, the total number of unverified reservation requests (i.e., the number of unverified requests, e.g., L) can be calculated, and the reservation slots occupied by the unverified reservation requests can be released. Simultaneously, to maintain the accuracy and effectiveness of the reservation queue, all unverified reservation requests in the reservation queue can be deleted, quickly adjusting available resources to provide more reservation opportunities for customers in the waiting list.

[0059] Optionally, the second verification result includes at least: verified candidate requests and unverified candidate requests. In order to accurately delete unverified candidate requests from the candidate queue, in the reservation method for financial products provided in Embodiment 1 of this application, after verifying the reservation identity information in the reservation queue and the candidate identity information in the candidate queue respectively, and obtaining the first verification result of the reservation queue and the second verification result of the candidate queue, the unverified candidate requests from the candidate queue are deleted based on the second verification result.

[0060] In this embodiment of the invention, the verification module of the reservation system can output a second verification result (including: verified candidate requests and unverified candidate requests). The second verification result can clearly reflect the verification status of each candidate request, including verified (e.g., T) or unverified (e.g., F). For unverified candidate requests, all unverified candidate requests can be deleted from the candidate queue. By promptly clearing invalid requests, valid candidate requests can be responded to more quickly, improving the efficiency of resource allocation.

[0061] To accurately determine the processing results of all waiting requests in the waiting queue, in the reservation method for financial products provided in Embodiment 1 of this application, all waiting requests in the waiting queue are sorted according to the waiting application time carried in the waiting request to obtain a first sorted waiting application set; the reservation slots of the number of failed requests are allocated to all waiting requests in the first sorted waiting application set that are within a first preset range, wherein the first preset range is determined based on the number of failed requests; the processing results of all waiting requests in the waiting queue are determined, wherein the processing result of all waiting requests in the first sorted waiting application set that are within the first preset range is "successful waiting", and the processing result of all waiting requests in the first sorted waiting application set that are outside the first preset range is "waiting in progress".

[0062] Optionally, the application time records the specific moment when the customer initiates the waitlist request. The waitlist requests in the waitlist queue can be sorted according to the application time to generate a first sorted waitlist application set.

[0063] In this embodiment of the invention, the number of unapproved reservation slots (e.g., L) can be allocated to the first ranked waiting list of applications that are within a first preset range (i.e., a range determined by the number of unapproved slots, such as the first L waiting list applications in the first ranked waiting list), ensuring that customers with earlier application times in the waiting list can obtain reservation slots, thus achieving real-time reallocation of resources.

[0064] In this embodiment of the invention, after the allocation of reservation slots is completed, the waiting processing results of each waiting request in the waiting queue can be updated. For waiting requests in the first sorted waiting application set that are within the first preset range (i.e., have obtained a reservation slot), the waiting processing result can be updated to "waiting successful" (e.g., M - waiting successful), and they can participate in the exchange of financial products. For waiting requests in the first sorted waiting application set that are not selected into the first preset range, the waiting processing result can be updated to "waiting" (e.g., N - waiting), and they can obtain reservation eligibility in the next round of resource reallocation.

[0065] To definitively allocate slots for waitlist requests whose processing result is "waitlist," the financial product reservation method provided in Embodiment 1 of this application represents the financial product indicated by the reservation financial product information carried in the reservation request that has passed verification in the first verification result as the reservation financial product; the financial product indicated by the waitlist financial product information carried in the waitlist request whose processing result is "successful" as the waitlist financial product; the reservation financial product and the waitlist financial product are exchanged to obtain the first exchange result of the reservation request and the second exchange result of the waitlist request; based on the first exchange result and the second exchange result, the number of unexchanged first financial products is determined; if the number of unexchanged first financial products is greater than a preset value, slots are allocated to waitlist requests whose processing result is "waitlist" based on the number of unexchanged first financial products.

[0066] Optionally, when a customer's appointment request has been verified, the waitlist request has been verified, and the waitlist processing result is successful, the customer can redeem the reservation offline at the corresponding application point through the redemption module of the appointment system.

[0067] In this embodiment of the invention, the financial product indicated by the reservation financial product information carried in the reservation request that has passed verification in the first verification result can be represented as the reservation financial product, and the financial product indicated by the waitlist financial product information carried in the waitlist request that has been successfully waitlisted can be represented as the waitlist financial product.

[0068] In this embodiment of the invention, reserved financial products and standby financial products can be redeemed to obtain a first redemption result for the reserved request and a second redemption result for the standby request. Based on the first redemption result and the second redemption result (e.g., A - redeemed, B - not redeemed), the number of unredeemed first financial products (e.g., S) is determined. If the number of unredeemed first financial products is greater than a preset value (e.g., 0), the number of standby requests with standby processing results of "Standing" (e.g., N - "Standing") can be allocated according to the number of unredeemed first financial products, ensuring full utilization of financial product resources and reducing resource idleness caused by abandonment of redemption.

[0069] In order to accurately obtain the waiting list processing results of waiting list requests that have been successfully allocated a quota, in the reservation method for financial products provided in Embodiment 1 of this application, the allocation quota is determined based on the number of unredeemed first financial products; according to the waiting list application time carried in the waiting list request, the waiting list requests with the waiting list processing result are sorted to obtain a second sorted waiting list application set; the allocation quota is allocated to all waiting list requests in the second sorted waiting list application set that are within a second preset range, and the waiting list processing result of the waiting list request that has been successfully allocated a quota is updated to waiting list success.

[0070] Optionally, the reallocation module of the reservation system can determine the allocation quota (i.e., the total number of financial products allocated to the waiting customers, such as K) based on the number of unredeemed first financial products (i.e., the total number of financial products that have not yet been redeemed by customers in the current branch), and can sort the waiting requests according to the time of the waiting application carried in each waiting request, and generate a second sorted waiting application set.

[0071] In this embodiment of the invention, the allocation quota can be allocated to all candidate requests within the second preset range (determined according to the allocation quota, such as the first K) in the second sorted candidate application set, and the candidate processing result of the candidate request that is successfully allocated a quota can be updated to "candidate successful" (e.g., M-candidate successful).

[0072] To improve the accuracy of quota allocation, in the reservation method for financial products provided in Embodiment 1 of this application, the financial product indicated by the waiting financial product information carried by the waiting request with the waiting processing result of successful waiting is redeemed to obtain the third redemption result of the waiting request; based on the third redemption result, the number of unredeemed second financial products is determined; if the number of unredeemed second financial products is greater than a preset value, quota allocation is performed on the waiting requests with the waiting processing result of waiting based on the number of unredeemed second financial products until the number of unredeemed second financial products is equal to the preset value.

[0073] In this embodiment of the invention, the redemption module of the reservation system can be used to redeem the financial product indicated by the waiting financial product information carried by the waiting request whose waiting processing result is successful, so as to obtain the third redemption result of the waiting request (such as A-redeemed, B-not redeemed).

[0074] In this embodiment of the invention, the number of unredeemed second financial products can be determined based on the third redemption result. If the number of unredeemed second financial products is greater than a preset value (such as 0), the redistribution module of the reservation system can be called to allocate quotas to the waiting list requests whose waiting list processing result is waiting list, until the number of unredeemed second financial products is equal to the preset value (i.e., the remaining financial products have been redeemed).

[0075] Figure 3 This is a schematic diagram of an optional reservation system structure according to an embodiment of this application, such as... Figure 3 As shown, the reservation system includes: a reservation module, a waiting list module, a verification module, a redemption module, and a reallocation module. The reservation module receives reservation requests for financial products and generates a reservation queue; the waiting list module receives waiting list requests for financial products and generates a waiting list queue; the verification module verifies the reservation identity information (i.e., the identity information of the reservation customer) in the reservation queue and the waiting list identity information (i.e., the identity information of the waiting customers) in the waiting list queue, and outputs the customer's verification results (i.e., the first verification result and the second verification result); the redemption module supports customers who have passed verification and successfully entered the waiting list to redeem their products offline at the application branch, and can update the customer's redemption results based on the redemption status (e.g., the first redemption result, the second redemption result, and the third redemption result), while also summarizing the total amount of unredeemed financial products (e.g., the number of unredeemed first financial products and the number of unredeemed second financial products); the reallocation module can fully reallocate the total amount of unredeemed financial products to the waiting customers in the waiting list queue according to the order of their waiting list application time.

[0076] Figure 4 This is a schematic diagram of an optional financial product reservation process according to an embodiment of this application, such as... Figure 4As shown, the process begins with a customer initiating a reservation request for commemorative coins (i.e., financial products). The reservation system receives the request and adds it to the reservation queue. If the current branch's quota is full (i.e., the number of reservations exceeds the preset threshold), the customer initiates a waiting list request. The reservation system receives this request and adds it to the waiting list. After the reservation and waiting periods expire, the identities of both the customer and the waiting list are verified, and the corresponding quota is released (i.e., unverified reservation requests and waiting list requests are deleted from the reservation and waiting list queues). After the verification period, the quotas occupied by unverified customers are allocated to waiting list customers. Customers can then redeem their coins offline at the branch and receive the redemption result (e.g., redeemed or not redeemed). Unredeemed coins are then redeemed for waiting list customers (i.e., based on the unredeemed coins, waiting list requests are allocated to those on the waiting list) until all commemorative coins at the branch are redeemed.

[0077] The financial product reservation method provided in this application embodiment can dynamically manage financial product resources through a dual queue system of reservations and waiting lists. The reservation module can receive customer reservation requests, and the waiting list module can receive waiting list requests after the branch's quota reservations are completed. The verification module can check the identity information of reservation and waiting list customers after the reservation and waiting list periods expire. Those who fail the verification will have their quotas released, and then the redistribution module will allocate these quotas and unredeemed financial product resources to customers in the waiting list in chronological order. This realizes intelligent redistribution of financial products, improves the utilization rate and redemption efficiency of financial product resources, reduces the occurrence of abandoned redemptions, and optimizes the customer experience.

[0078] It should be noted that the steps shown in the flowchart in 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 may be executed in a different order than that shown here.

[0079] Example 2

[0080] This application also provides a reservation device for financial products. It should be noted that the reservation device for financial products in this application can be used to execute the reservation method for financial products provided in this application. The reservation device for financial products provided in this application is described below.

[0081] According to an embodiment of this application, an apparatus for implementing the reservation method for the above-described financial products is also provided. Figure 5 This is a schematic diagram of an optional financial product reservation device according to an embodiment of this application, such as... Figure 5As shown, the reservation device for the financial product may include: a receiving unit 50, a judging unit 51, a verification unit 52, and an allocation unit 53.

[0082] The receiving unit 50 is used to receive reservation requests and add them to the reservation queue. The reservation request carries reservation information, which includes at least the following: reservation identity information.

[0083] The judgment unit 51 is used to determine whether the current number of reservations is greater than the preset reservation threshold. If the current number of reservations is greater than the preset reservation threshold, it stops receiving reservation requests and receives waitlist requests. The current number of reservations refers to the number of reservation requests received in the reservation queue. The waitlist requests carry waitlist information, which includes at least waitlist identity information.

[0084] Verification unit 52 is used to add the standby request to the standby queue, and to verify the reservation identity information in the reservation queue and the standby identity information in the standby queue respectively, so as to obtain the first verification result of the reservation queue and the second verification result of the standby queue.

[0085] The allocation unit 53 is used to allocate reservation slots to the waiting list requests based on the first verification result and the second verification result, thereby completing the reservation of financial products.

[0086] The financial product reservation device provided in this application embodiment can receive reservation requests through receiving unit 50 and add the reservation requests to the reservation queue. It can determine whether the current reservation quantity is greater than a preset reservation threshold through judging unit 51. If the current reservation quantity is greater than the preset reservation threshold, it stops receiving reservation requests and receives waiting list requests. It can add waiting list requests to the waiting list queue through verification unit 52 and verify the reservation identity information in the reservation queue and the waiting list identity information in the waiting list queue respectively to obtain the first verification result of the reservation queue and the second verification result of the waiting list queue. It can allocate reservation quotas to the waiting list requests through allocation unit 53 based on the first verification result and the second verification result to complete the reservation of financial products.

[0087] Optionally, the reservation device includes: a first verification result including at least: verified reservation requests and unverified reservation requests; a first determining module, used to determine the number of unverified reservation requests based on the first verification result after verifying the reservation identity information in the reservation queue and the waitlist identity information in the waitlist queue respectively, and obtaining the first verification result of the reservation queue and the second verification result of the waitlist queue; and a first processing module, used to release the reservation slots of the unverified number and delete the unverified reservation requests from the reservation queue.

[0088] Optionally, the reservation device includes: a second verification result including at least: verified waitlist requests and unverified waitlist requests; and a first deletion module, used to delete unverified waitlist requests in the waitlist queue based on the second verification result after verifying the reservation identity information in the reservation queue and the waitlist identity information in the waitlist queue respectively, and obtaining the first verification result of the reservation queue and the second verification result of the waitlist queue.

[0089] Optionally, the allocation unit includes: a first sorting module, used to sort all waiting requests in the waiting queue according to the waiting application time carried in the waiting request, to obtain a first sorted waiting application set; a first allocation module, used to allocate the number of failed reservation slots to all waiting requests in the first sorted waiting application set that are within a first preset range, wherein the first preset range is determined based on the number of failed reservations; and a second determining module, used to determine the waiting processing result of all waiting requests in the waiting queue, wherein the waiting processing result of all waiting requests in the first sorted waiting application set that are within the first preset range is "waiting successful", and the waiting processing result of all waiting requests in the first sorted waiting application set that are outside the first preset range is "waiting pending".

[0090] Optionally, the reservation device includes: a first characterization module, used to characterize the financial product indicated by the reservation financial product information carried in the reservation request that has passed verification in the first verification result as the reservation financial product after allocating reservation quotas to the waitlist requests based on the first verification result and the second verification result; a second characterization module, used to characterize the financial product indicated by the waitlist financial product information carried in the waitlist request that has been successfully waitlisted as the waitlist financial product; a first redemption module, used to redeem the reservation financial product and the waitlist financial product to obtain the first redemption result of the reservation request and the second redemption result of the waitlist request; a third determination module, used to determine the number of unredeemed first financial products based on the first redemption result and the second redemption result; and a second allocation module, used to allocate quotas to the waitlist requests that have been waitlisted based on the number of unredeemed first financial products if the number of unredeemed first financial products is greater than a preset value.

[0091] Optionally, the second allocation module includes: a first determining submodule, used to determine the allocation quota based on the number of unredeemed first financial products; a first sorting submodule, used to sort the waiting requests whose waiting processing result is "waiting" according to the waiting application time carried in the waiting request, to obtain a second sorted waiting application set; and a first allocation submodule, used to allocate the allocation quota to all waiting requests in the second sorted waiting application set that are within a second preset range, and update the waiting processing result of the waiting requests that are successfully allocated a quota to "waiting successful".

[0092] Optionally, the reservation device includes: a second redemption module, used to redeem the financial product indicated by the waiting financial product information carried by the waiting request with the waiting processing result of the waiting request that has been successfully allocated a quota after updating the waiting processing result of the waiting request to "waitress successful", thereby obtaining a third redemption result of the waiting request; a fourth determination module, used to determine the number of unredeemed second financial products based on the third redemption result; and a third allocation module, used to allocate quotas to waiting requests with the waiting processing result of "waitress" based on the number of unredeemed second financial products if the number of unredeemed second financial products is greater than a preset value, until the number of unredeemed second financial products equals the preset value.

[0093] The aforementioned financial product reservation device may also include a processor and a memory. The aforementioned receiving unit 50, judging unit 51, verification unit 52, allocation unit 53, etc., are all stored in the memory as program units, and the processor executes the aforementioned program units stored in the memory to realize the corresponding functions.

[0094] The aforementioned processor contains a kernel, which retrieves the corresponding program units from memory. One or more kernels can be configured, and by adjusting kernel parameters, reservation slots are allocated to waiting lists based on all processed data, thus completing the reservation for financial products.

[0095] The aforementioned memory may include non-permanent memory in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash memory, and the memory includes at least one memory chip.

[0096] It should be noted that the receiving unit 50, judging unit 51, verifying unit 52, and allocating unit 53 correspond to steps S201 to S204 in Embodiment 1. The instances and application scenarios implemented by the above units and corresponding steps are the same, but are not limited to the content disclosed in Embodiment 1. It should be noted that the above units can be hardware or software components stored in memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n). The above units can also be part of a device and run in the computer terminal 10 provided in Embodiment 1.

[0097] Example 3

[0098] Embodiments of this application may provide a computer terminal, which may be any computer terminal device in a group of computer terminals. Optionally, in this embodiment, the aforementioned computer terminal may also be replaced with a mobile terminal or an electronic device, etc.

[0099] Optionally, in this embodiment, the computer terminal may be located in at least one of a plurality of network devices in a computer network.

[0100] In this embodiment, the computer terminal described above can execute the program code for the following steps in the financial product reservation method: receiving a reservation request and adding the reservation request to a reservation queue, wherein the reservation request carries reservation information, and the reservation information includes at least: reservation identity information; determining whether the current reservation quantity is greater than a preset reservation threshold, and if the current reservation quantity is greater than the preset reservation threshold, stopping receiving reservation requests and receiving waitlist requests, wherein the current reservation quantity refers to the number of reservation requests received in the reservation queue, and the waitlist requests carry waitlist information, and the waitlist information includes at least: waitlist identity information; adding the waitlist requests to the waitlist queue, and verifying the reservation identity information in the reservation queue and the waitlist identity information in the waitlist queue respectively, to obtain a first verification result of the reservation queue and a second verification result of the waitlist queue; and allocating reservation slots to the waitlist requests based on the first verification result and the second verification result, thereby completing the reservation of the financial product.

[0101] Optionally, the aforementioned computer terminal may execute program code for the following steps in the reservation method for financial products: based on the first verification result, determine the number of reservation requests that failed verification; release the reservation slots for the number of failed requests, and delete the reservation requests that failed verification from the reservation queue.

[0102] Optionally, the aforementioned computer terminal may execute program code for the following steps in the reservation method for financial products: based on the second verification result, delete the waiting requests in the waiting queue that have not passed verification.

[0103] Optionally, the aforementioned computer terminal can execute program code for the following steps in the reservation method for financial products: sorting all waiting requests in the waiting queue according to the waiting application time carried in the waiting request to obtain a first sorted waiting application set; allocating the reservation slots of the number of unsuccessful applicants to all waiting requests in the first sorted waiting application set that are within a first preset range, wherein the first preset range is determined based on the number of unsuccessful applicants; determining the waiting processing result of all waiting requests in the waiting queue, wherein the waiting processing result of all waiting requests in the first sorted waiting application set that are within the first preset range is "wait-in successful", and the waiting processing result of all waiting requests in the first sorted waiting application set that are outside the first preset range is "waiting in progress".

[0104] Optionally, the aforementioned computer terminal can execute the program code for the following steps in the financial product reservation method: characterizing the financial product indicated by the reservation financial product information carried in the reservation request that has passed verification in the first verification result as the reserved financial product; characterizing the financial product indicated by the waitlist financial product information carried in the waitlist request that has a successful waitlist processing result as the waitlist financial product; redeeming the reserved financial product and the waitlist financial product to obtain the first redemption result of the reservation request and the second redemption result of the waitlist request; determining the number of unredeemed first financial products based on the first redemption result and the second redemption result; if the number of unredeemed first financial products is greater than a preset value, allocating quotas to the waitlist requests with waitlist processing results in the waitlist based on the number of unredeemed first financial products.

[0105] Optionally, the aforementioned computer terminal can execute the program code for the following steps in the method for reserving financial products: determining the allocation quota based on the quantity of the first financial product that has not been redeemed; sorting the waiting requests whose waiting processing result is "waiting" according to the waiting application time carried in the waiting request, to obtain a second sorted waiting application set; allocating the allocation quota to all waiting requests in the second sorted waiting application set that are within a second preset range, and updating the waiting processing result of the waiting requests that have been successfully allocated a quota to "waiting successful".

[0106] Optionally, the aforementioned computer terminal can execute the program code for the following steps in the financial product reservation method: redeem the financial product indicated by the waiting financial product information carried by the waiting request whose waiting processing result is successful, and obtain the third redemption result of the waiting request; determine the number of unredeemed second financial products based on the third redemption result; if the number of unredeemed second financial products is greater than a preset value, allocate quotas to waiting requests whose waiting processing result is in the waiting list based on the number of unredeemed second financial products, until the number of unredeemed second financial products equals the preset value.

[0107] Optionally, Figure 6 This is a structural block diagram of an electronic device according to an embodiment of this application. Figure 6 As shown, the electronic device may include: one or more ( Figure 6 (Only one is shown) processor 602, memory 604, memory controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0108] The memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the financial product reservation method and apparatus in this application embodiment. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, thereby realizing the aforementioned financial product reservation method. The memory may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include memory remotely located relative to the processor, and these remote memories can be connected to the terminal via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0109] The processor can access the information and application programs stored in the memory via the transmission device to execute the steps described above in the reservation method for the aforementioned financial products.

[0110] This application provides a scheme for reserving financial products. By judging the number of requests in the reservation queue, when the number of reservations in the current reservation queue exceeds a preset reservation threshold, the system stops receiving reservation requests and receives waitlist requests. These waitlist requests are then added to the waitlist queue. The system verifies the reservation identity information carried in the reservation requests in the reservation queue and the waitlist identity information carried in the waitlist requests, obtaining a first verification result for the reservation queue and a second verification result for the waitlist queue. Based on these results, reservation slots are allocated to the waitlist requests, completing the reservation of the financial product. This system enables dynamic allocation of financial product resources through the reservation queue and waitlist queue, improving the efficiency of financial product reservations and solving the technical problem in related technologies where effective reservation of financial products is impossible, leading to the inability to effectively allocate financial products.

[0111] Those skilled in the art will understand that Figure 6 The structure shown is for illustrative purposes only. Electronic devices can also be terminal devices such as smartphones, tablets, PDAs, and mobile internet devices (MIDs). Figure 6 This does not limit the structure of the aforementioned electronic device. For example, electronic devices may also include components that are more... Figure 6 The more or fewer components shown (such as network interfaces, display devices, etc.), or having the same Figure 6 The different configurations shown.

[0112] Those skilled in the art will understand that all or part of the steps in the various methods of the above embodiments can be implemented by a program instructing the hardware related to the terminal device. The program can be stored in a computer-readable storage medium, which may include: flash drive, read-only memory (ROM), random access memory (RAM), disk or optical disk, etc.

[0113] Example 4

[0114] Embodiments of this application also provide a storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by the reservation method for the financial product provided in Embodiment 1.

[0115] Optionally, in this embodiment, the storage medium may be located in any computer terminal in a group of computer terminals in a computer network, or in any mobile terminal in a group of mobile terminals.

[0116] This application also provides a computer program product that, when executed on a data processing device, is suitable for performing the reservation method steps of a financial product.

[0117] The sequence numbers of the embodiments in this application are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0118] In the above embodiments of this application, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0119] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. The device embodiments described above are merely illustrative; for example, the division of units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the displayed or discussed mutual coupling, direct coupling, or communication connection may be through some interfaces; the indirect coupling or communication connection between units or modules may be electrical or other forms.

[0120] The units described as separate components may or may not be physically separate. 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 network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0121] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0122] If the integrated unit is implemented as 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 this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as a USB flash drive, read-only memory (ROM), random access memory (RAM), portable hard drive, magnetic disk, or optical disk.

[0123] The above description is only a preferred embodiment of this application. It should be noted that for those skilled in the art, several improvements and modifications can be made without departing from the principle of this application, and these improvements and modifications should also be considered within the scope of protection of this application.

Claims

1. A method for making reservations for a financial product, characterized in that, Applications in reservation systems include: Receive a reservation request and add the reservation request to the reservation queue, wherein the reservation request carries reservation information, and the reservation information includes at least: reservation identity information; Determine whether the current number of reservations is greater than a preset reservation threshold. If the current number of reservations is greater than the preset reservation threshold, stop receiving reservation requests and receive waitlist requests. The current number of reservations refers to the number of reservation requests received in the reservation queue. The waitlist requests carry waitlist information, which includes at least waitlist identity information. The waiting list request is added to the waiting list queue, and the reservation identity information in the reservation queue and the waiting list identity information in the waiting list queue are verified respectively to obtain the first verification result of the reservation queue and the second verification result of the waiting list queue. Based on the first verification result and the second verification result, reservation slots are allocated to the waiting list requests to complete the reservation of financial products.

2. The method for reserving financial products according to claim 1, characterized in that, The first verification result includes at least: the verified reservation requests and the unverified reservation requests. After verifying the reservation identity information in the reservation queue and the waitlist identity information in the waitlist queue respectively to obtain the first verification result of the reservation queue and the second verification result of the waitlist queue, it further includes: Based on the first verification result, determine the number of failed appointment requests that failed verification; Release the number of reservation slots that failed the verification and delete the reservation requests that failed verification from the reservation queue.

3. The method for reserving financial products according to claim 1, characterized in that, The second verification result includes at least: the verified waitlist requests and the unverified waitlist requests. After verifying the reservation identity information in the reservation queue and the waitlist identity information in the waitlist queue respectively to obtain the first verification result of the reservation queue and the second verification result of the waitlist queue, it also includes: Based on the second verification result, the candidate requests that failed verification are deleted from the candidate queue.

4. The method for reserving financial products according to claim 1, characterized in that, The step of allocating reservation slots to the waiting list requests based on the first verification result and the second verification result includes: Based on the time of the alternate application carried in the alternate application, all alternate applications in the alternate queue are sorted to obtain a first sorted alternate application set; The number of unsuccessful reservation slots are allocated to all the candidate requests within a first preset range in the first ranked candidate application set, wherein the first preset range is determined based on the number of unsuccessful requests; The processing results of all the candidate requests in the candidate queue are determined, wherein the processing results of all the candidate requests in the first sorted candidate application set that are within the first preset range are "successful" and the processing results of all the candidate requests in the first sorted candidate application set that are outside the first preset range are "in the queue".

5. The method for reserving financial products according to claim 4, characterized in that, After allocating reservation slots to the waiting list requests based on the first verification result and the second verification result, the process further includes: The financial product indicated by the reservation financial product information carried in the reservation request that has passed verification in the first verification result is characterized as a reservation financial product; The financial product indicated by the candidate financial product information carried in the candidate request whose candidate processing result is successful is characterized as the candidate financial product; The reserved financial product and the waiting financial product are exchanged to obtain the first exchange result of the reservation request and the second exchange result of the waiting request; Based on the first exchange result and the second exchange result, determine the number of unexchanged first financial products; If the number of unredeemed first financial products exceeds a preset value, quotas are allocated to the waiting requests whose waiting status is in the waiting list based on the number of unredeemed first financial products.

6. The method for reserving financial products according to claim 5, characterized in that, The step of allocating quotas to the waiting list requests based on the number of unredeemed first financial products includes: The allocation quota is determined based on the number of unredeemed first financial products; Based on the time of the alternative application carried in the alternative application, the alternative applications that are in the alternative processing result are sorted to obtain a second sorted alternative application set; The allocation quota is assigned to all candidate requests within the second preset range in the second sorted candidate application set, and the candidate processing result of the candidate request that is successfully allocated a quota is updated to "candidate successful".

7. The method for reserving financial products according to claim 6, characterized in that, After updating the waiting list processing result of the waiting list request that has been successfully allocated to the allocation quota to "waitlist successful", the process further includes: The financial product indicated by the candidate financial product information carried in the candidate request whose candidate processing result is successful is redeemed to obtain the third redemption result of the candidate request; Based on the third exchange result, determine the quantity of the second financial product that has not been exchanged; If the number of unredeemed second financial products is greater than the preset value, quotas are allocated to the waiting requests whose waiting status is in the waiting list based on the number of unredeemed second financial products, until the number of unredeemed second financial products equals the preset value.

8. A reservation device for a financial product, characterized in that, include: A receiving unit is configured to receive a reservation request and add the reservation request to a reservation queue, wherein the reservation request carries reservation information, and the reservation information includes at least: reservation identity information; The judgment unit is used to determine whether the current number of reservations is greater than a preset reservation threshold. If the current number of reservations is greater than the preset reservation threshold, the unit stops receiving reservation requests and receives waitlist requests. The current number of reservations refers to the number of reservation requests received in the reservation queue. The waitlist requests carry waitlist information, which includes at least waitlist identity information. The verification unit is used to add the candidate request to the waiting queue, and to verify the reservation identity information in the reservation queue and the candidate identity information in the waiting queue respectively, so as to obtain the first verification result of the reservation queue and the second verification result of the waiting queue. The allocation unit is used to allocate reservation slots to the waiting list requests based on the first verification result and the second verification result, thereby completing the reservation of financial products.

9. A computer program product, characterized in that, The method includes a non-volatile computer-readable storage medium storing a computer program that, when executed by a processor, implements the reservation method for the financial product according to any one of claims 1 to 7.

10. An electronic device, characterized in that, It includes one or more processors and a memory, the memory being 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 cause the one or more processors to implement the reservation method for the financial product according to any one of claims 1 to 7.

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