Order management system and method, electronic equipment and storage medium

Abstract

The embodiment of the invention provides an order management system and method, electronic equipment and a storage medium, and relates to the technical field of data processing, and the system comprises a service providing module, a front-end service module and an order management module. The service providing module is used for storing the product information of the investment advisor product and the charging information under each charging mode; the front-end service module is used for displaying the information of the investment advisor product to the user; sending a product signing request to an order management module; the order management module is used for obtaining target product information and charging information of a target charging mode; generating a product order; determining an order processing system for processing the product order; according to the product order, an order processing system is instructed to determine payment information of the product order, so that the user completes purchase of a target investment adviser product; if it is determined that the user completes product signing, the access authority of the target investment adviser product is opened for the user. By applying the scheme provided by the embodiment of the invention, technical support can be provided for an investment advisor product.

Description

Technical Field

[0001] This invention relates to the field of data processing technology, and in particular to an order management system, method, electronic device, and storage medium. Background Technology

[0002] Providing investment advisory services to users is an important means for securities companies to improve service quality. Investment advisory services can provide various prompts to meet the needs of different users and improve their experience in financial investment.

[0003] Investment advisory services are typically packaged as investment advisory products and offered to users, who can obtain these services by purchasing them. Investment advisory products are a relatively new product category, emerging in recent years. Existing technologies often leverage existing, mature business systems to quickly provide technical support for these products.

[0004] As the number of users purchasing investment advisory products increases and their purchasing needs become more diversified, the existing business system is struggling to meet the demand from a large number of users. Furthermore, the existing business system integrates various different services, and modifying it could cause problems for other services integrated within the existing system. Therefore, a new system is needed to provide technical support for investment advisory products. Summary of the Invention

[0005] The purpose of this invention is to provide an order management system, method, electronic device, and storage medium to provide technical support for investment advisory products. The specific technical solution is as follows:

[0006] According to one aspect of the present invention, an order management system is provided, the system comprising: a service providing module, a front-end service module, and an order management module; wherein,

[0007] The service provision module is used to store product information of investment advisory products and charging information under various billing models;

[0008] The front-end service module is used to obtain information from the service provider module, display product information of investment advisory products and charging information under various billing modes to users; and send a product contract request from the user to the order management module, wherein the product contract request carries the user's user information, the identifier of the target investment advisory product and the target billing mode.

[0009] The order management module is configured to: obtain the target product information and target billing mode pricing information of the target investment advisory product provided by the service provider module based on the identifier of the target investment advisory product carried in the received product contract request; generate a product order for the user to purchase the target investment advisory product based on the information carried in the product contract request, the target product information, and the pricing information of the target billing mode; determine an order processing system for processing product orders under the target billing mode; send a contract confirmation request to the order processing system based on the product order, instructing the order processing system to determine the payment information of the product order so that the user can complete the purchase of the target investment advisory product; receive contract information from the order processing system; and if the contract information determines that the user has completed the product contract, grant the user access to the target investment advisory product.

[0010] According to another aspect of the present invention, an order management method is provided, applied to an order management module in an order management system. The order management system further includes: a service providing module and a front-end service module; the service providing module is used to store product information of investment advisory products and charging information under various billing modes; the front-end service module is used to obtain information from the service providing module and display product information of investment advisory products and charging information under various billing modes to users.

[0011] The method includes:

[0012] Based on the identifier of the target investment advisory product carried in the received product subscription request, the target product information and the charging information of the target billing mode of the target investment advisory product provided by the service providing module are obtained. The product subscription request also carries the user's user information and the target billing mode.

[0013] Based on the information carried in the product contract request, the target product information, and the charging information of the target billing model, a product order is generated for the user to purchase the target investment advisory product;

[0014] Determine an order processing system for handling product orders under the target billing model;

[0015] Based on the product order, a contract confirmation request is sent to the order processing system, instructing the order processing system to determine the payment information of the product order so that the user can complete the purchase of the target investment advisory product;

[0016] Receive the contract information fed back by the order processing system;

[0017] If it is determined from the contract information that the user has completed the product contract, then the user will be granted access to the target investment advisory product.

[0018] According to another aspect of the present invention, an electronic device is provided, including a processor, a communication interface, a memory, and a communication bus, wherein the processor, the communication interface, and the memory communicate with each other through the communication bus;

[0019] Memory, used to store computer programs;

[0020] The processor, when executing a program stored in memory, implements any of the order management methods described above.

[0021] According to another aspect of the present invention, a computer-readable storage medium is provided, wherein a computer program is stored therein, and the computer program, when executed by a processor, implements any of the order management methods described above.

[0022] According to another aspect of the present invention, a computer program product containing instructions is provided, which, when run on a computer, causes the computer to perform any of the order management methods described above.

[0023] Beneficial effects of the embodiments of the present invention:

[0024] As can be seen from the above, the order management system provided by the embodiments of the present invention allows the front-end service module to display product information of investment advisory products and charging information under various billing modes to users. The order management module can receive product contract requests from users for different billing modes, determine the target billing mode requested by the user for purchasing the target investment advisory product, generate a product order for the target investment advisory product under the target billing mode, determine the order processing system for processing the product order under the target billing mode, and send a contract confirmation request to the determined order processing system to enable the user to complete the purchase of the target investment advisory product. Furthermore, it manages the access permissions of the investment advisory product based on the feedback contract information. In this way, the order management system can call different order processing systems for different billing modes to determine the payment information of the product order, enable users to complete the purchase of the target investment advisory product, provide different billing modes for different users to choose from, meet the diverse purchase needs of a large number of users for investment advisory products, and provide technical support for investment advisory products.

[0025] Of course, implementing any product or method of the present invention does not necessarily require achieving all of the advantages described above at the same time. Attached Figure Description

[0026] To more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other embodiments can be obtained based on these drawings.

[0027] Figure 1a A schematic diagram of the structure of an order management system provided in an embodiment of the present invention;

[0028] Figure 1b This is a signaling diagram of an order management process provided in an embodiment of the present invention;

[0029] Figure 1c This is a signaling diagram illustrating an access control process provided in an embodiment of the present invention.

[0030] Figure 2a A signaling diagram illustrating an order management process under a subscription model, provided as an embodiment of the present invention;

[0031] Figure 2b A signaling diagram illustrating an order management process under another subscription model provided in an embodiment of the present invention;

[0032] Figure 2c A signaling diagram illustrating the payment process of a third-party payment subsystem provided in an embodiment of the present invention;

[0033] Figure 3 A signaling diagram illustrating an order management process using a post-billing model, provided as an embodiment of the present invention;

[0034] Figure 4 A signaling diagram illustrating an order management process under another conditional mode provided in an embodiment of the present invention;

[0035] Figure 5 This is a signaling diagram illustrating a coupon management process provided in an embodiment of the present invention.

[0036] Figure 6 A flowchart illustrating an order management method provided in an embodiment of the present invention;

[0037] Figure 7 This is a schematic diagram of the structure of an electronic device provided in an embodiment of the present invention. Detailed Implementation

[0038] The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. 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 based on this application are within the scope of protection of the present invention.

[0039] The order management system provided by the present invention will be described in detail below.

[0040] In one embodiment of the present invention, see Figure 1a A schematic diagram of an order management system is provided. The system includes: a service provision module 101, a front-end service module 102, and an order management module 103.

[0041] Service provision module 101 is used to store product information of investment advisory products and fee information under various billing models.

[0042] The front-end service module 102 is used to obtain information from the service provider module, display product information of investment advisory products and charging information under various billing models to users; and send product signing requests from users to the order management module. The product signing requests carry user information, the identifier of the target investment advisory product and the target billing model.

[0043] The order management module 103 is used to obtain the target product information and target billing model fee information of the target investment advisory product provided by the service provider module based on the identifier of the target investment advisory product carried in the received product contract request; generate a product order for the user to purchase the target investment advisory product based on the information carried in the product contract request, the target product information, and the target billing model fee information; determine the order processing system 200 to process the product order under the target billing model; send a contract confirmation request to the order processing system 200 based on the product order, instructing the order processing system 200 to determine the payment information of the product order so that the user can complete the purchase of the target investment advisory product; receive the contract information fed back by the order processing system 200; if it is determined that the user has completed the product contract based on the contract information, then grant the user access to the target investment advisory product.

[0044] The following is combined Figure 1b A signaling diagram of an order management process is provided, which explains each part of the order management system.

[0045] I. Service Provision Module

[0046] S11: The service provider module stores product information for investment advisory products and fee information for each billing model.

[0047] Specifically, business personnel can configure product information and billing details for investment advisory products within the service provision module on the server side. This service provision module then stores the product information and billing details for each model. Product information may include: the investment advisory product name, product identifier, product sales cycle, and other introductory information used to describe the product to users. Billing details for each model may include: the billing models supported by the investment advisory product, and the fees charged under each supported model.

[0048] The billing models available to users may include: subscription model, post-billing model, or conditional model. For different investment advisory products, the billing models supported may also be different. For example, investment advisory product A may support the following billing models: subscription model, post-billing model, and conditional model, while investment advisory product B may support the following billing models: post-billing model and conditional model.

[0049] II. Front-end service module

[0050] S12: The front-end service module obtains information from the service provider module and displays product information of the investment advisory product and charging information under various billing models to the user.

[0051] The front-end service module provides information display functionality to users' clients, showcasing product information for investment advisory products and fee information under various billing models. For example, users can view the product information for investment advisory products and fee information under various billing models configured by business personnel in the service provision module in step S11 through their clients, thus enabling the service provision module to provide investment advisory services to users.

[0052] S13: The front-end service module receives product contract requests sent by users when purchasing target investment advisory products using the client.

[0053] When a user wants to purchase a target investment advisory product through the target billing model, the user can use the client to send a product subscription request to the front-end service module, carrying the user's information, the identifier of the target investment advisory product, and the target billing model.

[0054] When the front-end service module receives a product contract request from a user using the client to purchase a target investment advisory product, it triggers step S14.

[0055] S14: The front-end service module sends a product contract request from the user to the order management module.

[0056] After receiving the aforementioned product signing request, the front-end service module can transmit the product signing request to the order management module.

[0057] The product subscription request includes the user's information, the identifier of the target investment advisory product, and the target billing model. The user information in the request may include the user's identifier, the target investment advisory product (the one the user has selected to purchase), and the target billing model (the billing model the user has chosen for the target investment advisory product). The target investment advisory product and the user can be identified using an ID (Identity Document).

[0058] Furthermore, when the target billing model is a subscription model, the product subscription request can also include the product sales period selected by the user and the payment method selected by the user.

[0059] III. Order Management Module

[0060] S15: The order management module obtains the target product information and the charging information of the target billing model of the target investment advisory product provided by the service provider module based on the identifier of the target investment advisory product carried in the received product contract request.

[0061] In one implementation, the order management module can obtain and store the product information of each investment advisory product and the charging information under each billing mode from the service providing module in advance. After receiving a product signing request, the module can obtain the investment advisory product corresponding to the target investment advisory product from the stored product information of each investment advisory product based on the identifier of the target investment advisory product carried in the product signing request. The module will then use the product information of the target investment advisory product as the target product information. Finally, based on the target billing mode carried in the product signing request, the module will determine the charging information of the target billing mode from the charging information of each billing mode corresponding to the target investment advisory product.

[0062] In another implementation, after receiving a product contract request, the order management module can retrieve the target product information and the charging information of the target billing model of the target investment advisory product provided by the service provider module. The specific method of obtaining the target product information and the charging information of the target billing model is similar to the previous implementation, except that the information is obtained from the order management module and the information is obtained from the service provider module.

[0063] S16: The order management module generates a product order for the user to purchase the target investment advisory product based on the information carried in the product contract request, the target product information, and the charging information of the target billing model.

[0064] The product orders generated by the order management module are different under different charging models. The implementation method of step S16 will be described in the following embodiments, and will not be detailed here.

[0065] S17: The order management module determines the order processing system used to process product orders under the target billing model.

[0066] In one implementation, the order management module can record the correspondence between each billing mode and the order processing system, and then determine the order processing system corresponding to the target billing mode based on the above correspondence.

[0067] In one embodiment of the present invention, the target billing mode can be a subscription model, a post-billing model, or a conditional model. The order processing system corresponding to the subscription model may include a balance payment subsystem or a third-party payment subsystem. When the target billing mode is a subscription model, the order management module can further determine whether the order processing system corresponding to the subscription model is a balance payment subsystem or a third-party payment subsystem based on the payment method selected by the user in the product subscription request. The order processing system corresponding to the post-billing model may include a transaction information determination subsystem. The order processing system corresponding to the conditional model may include a transaction information determination subsystem.

[0068] In this way, by setting up multiple different billing models, users can be provided with various billing options for purchasing investment advisory products. These diversified billing models can further meet the diverse purchasing needs of a large number of users for investment advisory products.

[0069] S18: The order management module sends a contract confirmation request to the order processing system based on the product order, instructing the order processing system to determine the payment information of the product order so that the user can complete the purchase of the target investment advisory product.

[0070] S19: The order management module receives contract information from the order processing system.

[0071] Under different charging models, the order management module sends a contract confirmation request to the order processing system, instructing the order processing system to determine the payment information of the product order so that the user can complete the purchase of the target investment advisory product. The implementation of steps S18-S19 is described in the following embodiments, and will not be detailed here.

[0072] S20: If it is determined from the contract information that the user has completed the product contract, then grant the user access to the target investment advisory product.

[0073] The order management module can record users and their access permissions to investment advisory products. Based on this, the order management module can manage users' access permissions to investment advisory products.

[0074] For example, see Figure 1c This provides a signaling diagram of an access control process, which the order management system can follow. Figure 1cThe provided access control process manages permissions.

[0075] S21: The front-end service module accepts access requests for investment advisory products sent by users through the client.

[0076] The aforementioned access request can be for the target investment advisory product or for investment advisory products already purchased by other users.

[0077] S22: The front-end service module sends a permission query request to the order management module regarding the user's access rights to the investment advisory product.

[0078] S23: The order management module queries the above user's access permissions to the investment advisory products based on the above permission query request.

[0079] S24: The order management module returns the query results to the front-end service module.

[0080] S25: If the query result received by the front-end service module indicates that the above user has access rights, then the user is allowed to use the client to access the investment advisory product requested by the above access request to the service provider module.

[0081] As can be seen from the above, the order management system provided by the embodiments of the present invention allows the front-end service module to display product information of investment advisory products and charging information under various billing modes to users. The order management module can receive product contract requests from users for different billing modes, determine the target billing mode requested by the user for purchasing the target investment advisory product, generate a product order for the target investment advisory product under the target billing mode, determine the order processing system for processing the product order under the target billing mode, and send a contract confirmation request to the determined order processing system to enable the user to complete the purchase of the target investment advisory product. Furthermore, it manages the access permissions of the investment advisory product based on the feedback contract information. In this way, the order management system can call different order processing systems for different billing modes to determine the payment information of the product order, enable users to complete the purchase of the target investment advisory product, provide different billing modes for different users to choose from, meet the diverse purchase needs of a large number of users for investment advisory products, and provide technical support for investment advisory products.

[0082] The following explains the case where the target billing model is a subscription model.

[0083] When the target billing model is a subscription model, the order management module can generate a product order for the target investment advisory product based on the product sales period selected by the user, the target product information, and the charging information of the target billing model carried in the product subscription request. The product order can record the identifier of the target investment advisory product purchased by the user, the user's identifier, and the total amount of the target investment advisory product purchased.

[0084] The method for determining the total amount is explained below.

[0085] The product sales cycle can be 1 year, 1 quarter, or 1 month, etc. The charging information for the target billing model can include monthly fees, quarterly fees, and annual cycle fees. Then, the order management module can determine the total amount of the target investment advisory product to be purchased based on the product sales cycle and cycle fees selected by the user, obtain the product order of the target investment advisory product purchased by the user, and record the correspondence between the user and the generated product order.

[0086] In one embodiment of the present invention, the target billing model is a subscription model, and the order processing system includes a balance payment subsystem. In this case, the user selects the balance payment method, and the order management module is specifically used to determine whether the user has completed the product subscription based on the contract information in the following manner: The order management module determines the subscription fee information of the user's subscription to the target investment advisory product based on the product order, and generates a subscription confirmation request carrying a virtual product identifier and subscription fee information of the target investment advisory product based on the subscription fee information and the target product information. The subscription confirmation request is sent to the balance payment subsystem, instructing the balance payment subsystem to initiate the payment process and send the virtual product identifier and subscription fee information to the transaction statistics system so that the transaction statistics system can count the user's comprehensive payment information. If the subscription information is received from the transaction information determination subsystem, it is determined that the user has completed the product subscription. The subscription information from the transaction information determination subsystem indicates that the balance payment subsystem confirms that the user has completed the payment for the product order.

[0087] The following is combined Figure 2a A signaling diagram illustrating an order management process under a subscription model explains how to determine whether a user has completed a product subscription.

[0088] S26: The order management module determines the subscription fee information of the user's target investment advisory product based on the product order. Based on the subscription fee information and the target product information, it generates a contract confirmation request carrying the virtual product identifier and subscription fee information of the target investment advisory product.

[0089] Among them, the virtual product identifier of the target investment advisory product is used to identify the target investment advisory product as a product to be purchased in the balance payment subsystem. The virtual product identifier is a virtual product code, and the investment advisory product identifier is a unique code that identifies the virtual product identifier in the order management system.

[0090] S27: The order management module sends a contract confirmation request to the balance payment subsystem.

[0091] The aforementioned contract confirmation request instructs the balance payment subsystem to initiate a payment process and send the virtual product identifier and subscription fee information to the transaction statistics system. When the billing model is a subscription model, the charging information for the target billing model obtained by the order management module is the subscription fee information.

[0092] S28: The balance payment subsystem initiates the payment process.

[0093] S29: The balance payment subsystem sends the virtual product identifier and subscription fee information to the transaction statistics system.

[0094] S30: The transaction statistics system collects comprehensive payment information from users.

[0095] The transaction statistics system can combine other paid information and subscription fee information of users to make statistics, and then other systems can deduct payments based on the determined comprehensive payment information.

[0096] S31: When the order management module receives the contract information from the transaction information confirmation subsystem, it confirms that the user has completed the product contract signing.

[0097] Among them, the contract information feedback from the transaction information confirmation subsystem represents: the balance payment subsystem confirms that the user has completed the payment for the product order.

[0098] As can be seen from the above, reusing the existing balance payment subsystem to provide users with payment methods in the above manner can reduce the cost of developing a new payment system and the cost of order management system.

[0099] In another embodiment of the present invention, the target billing model is a subscription model, and the order processing system includes a third-party payment subsystem. In this case, the user selects a third-party payment method. The order management module is specifically used to determine whether the user has completed the product subscription based on the contract information in the following manner: based on the product order, determine the subscription fee information of the user's subscription to the target investment advisory product; based on the subscription fee information and the target product information, generate a virtual product identifier and subscription fee information carrying the target investment advisory product; send the virtual product identifier and subscription fee information to the third-party payment subsystem so that the third-party payment subsystem can determine the payment information of the product order and initiate the payment process; if the user completes the payment process, receive the contract information fed back by the third-party payment platform to determine that the user has completed the product subscription.

[0100] The following is combined Figure 2b The signaling diagram of the order management process under another subscription model illustrates how to determine whether a user has completed a product subscription.

[0101] S32: The order management module determines the subscription fee information of the user's target investment advisory product based on the product order. Based on the subscription fee information and the target product information, it generates a virtual product identifier and subscription fee information carrying the target investment advisory product.

[0102] S33: The order management module sends the virtual product identifier and subscription fee information to the third-party payment subsystem.

[0103] S34: The third-party payment subsystem determines the payment information for the product order based on the virtual product identifier and subscription fee information, and initiates the payment process.

[0104] S35: After the user completes the payment process, the order management module receives the contract information from the third-party payment platform to confirm that the user has completed the product contract signing.

[0105] Among them, the following combination Figure 2c The provided signaling diagram of the payment process in the third-party payment subsystem illustrates the payment process and the method for confirming the completion of product contract signing.

[0106] S341: The third-party payment subsystem determines the payment information of the product order based on the virtual product identifier and subscription fee information, and generates an order to be paid.

[0107] S342: The third-party payment subsystem sends the pending payment order to the order management module.

[0108] S343: Upon receiving an order pending payment, the order management module forwards the order to the front-end service module.

[0109] S344: The front-end service module responds to receiving an order to be paid by initiating a third-party payment client to make the payment.

[0110] S345: The third-party payment client sends the third-party payment result to the front-end service module.

[0111] S346: Upon receiving the third-party payment result, the front-end service module sends the third-party payment result to the order management module.

[0112] S347: Contract information fed back to the order management module by the third-party payment subsystem after the user completes the payment process.

[0113] S348: The order management module determines whether the user has completed the product contract based on the contract information and payment results received from the third-party payment platform.

[0114] As can be seen from the above, using a third-party payment subsystem to provide users with a variety of third-party payment methods can enhance the user experience when purchasing investment advisory products.

[0115] The following explains the case where the target billing mode is the post-billing mode.

[0116] When the target billing mode is post-billing, the order management module can generate a product order for the user to purchase the target investment advisory product based on the target product information and the charging information of the target billing mode carried in the product contract request. The product order can record the identifier of the target investment advisory product purchased by the user, the user's identifier, and the charging information of the target investment advisory product under the post-billing mode. The post-billing mode requires the user's subsequent transaction records to determine the user's post-payment information; therefore, the charging information does not record the specific charging amount, but rather the post-billing method under the post-billing mode. The method for determining the post-payment information based on the post-billing method will be described in the following embodiments and will not be detailed here.

[0117] In one embodiment of the present invention, the target billing mode is a post-billing mode. The order processing system includes a transaction information determination subsystem. The order management module is specifically used to determine whether a user has completed a product contract based on the contract information in the following manner: sending a contract confirmation request carrying a product order to the transaction information determination subsystem, receiving contract information fed back by the transaction information determination subsystem, and determining that the user has completed the product contract. The contract information fed back by the transaction information determination subsystem indicates that the transaction information determination subsystem has confirmed receipt of the product order. In this case, after the order management module synchronizes the product order with the transaction information determination subsystem, it can be determined that the user has completed the product contract.

[0118] In this way, by providing users with a post-billing model, the order management system can offer more flexible technical support for purchasing investment advisory products, provide users with more and more innovative ways to purchase investment advisory products, meet the investment advisory product purchase needs of more users, and improve the user's investment advisory product purchase experience.

[0119] In the case of a post-billing model, the contract confirmation request instructs the transaction information determination subsystem to confirm the payment information of the product order in the following manner: based on the product order, obtain the prompt information provided to the user by the investment advisory service; retrieve the transaction record that matches the prompt information from the user's transaction records stored in the transaction statistics system to obtain the matching transaction record that matches the product order; based on the matching transaction record and the product order, determine the post-payment information generated by the user's product contract signing, and send the post-payment information to the transaction statistics system so that the transaction statistics system can collect the user's comprehensive payment information.

[0120] In this way, the order management system uses the contract confirmation request to instruct the existing transaction information determination subsystem to interact with the transaction statistics system, determine the matching transaction records that match the product order, and then determine the post-payment information generated by the user's product contract. This not only provides technical support for the calculation of fees in the post-billing model, but also reduces the cost of developing a new payment system and the cost of the order management system.

[0121] The following is combined Figure 3 A signaling diagram of an order management process under a post-billing model is provided to illustrate how to determine whether a user has completed a product contract.

[0122] S36: The order management module sends a contract confirmation request carrying the product order to the transaction information confirmation subsystem.

[0123] S37: The transaction information confirmation subsystem feeds back to the order management module the contract information indicating that the transaction information confirmation subsystem has confirmed receipt of the product order.

[0124] S38: The order management module receives transaction information and confirmation of the contract information from the confirmation subsystem, and confirms that the user has completed the product contract signing.

[0125] S39: The transaction information confirmation subsystem obtains the prompt information provided to the user by the service provider module based on the product order.

[0126] The transaction information determination subsystem can determine the identifier of the investment advisory product purchased by the user based on the user identifier of the product order, and obtain the corresponding prompt information of the investment advisory product from the service provider module based on the identifier of the investment advisory product purchased by the user.

[0127] S40: The transaction information determination subsystem retrieves transaction records that match the prompt information from the user's transaction records stored in the transaction statistics system, and obtains matching transaction records that match the product order.

[0128] In one implementation, the prompt information includes a transaction prompt for the financial target and a transaction time prompt. The prompt information can determine whether the user's transaction record contains any transaction records for the financial target prompted by the prompt information within a preset time period before or after the transaction time prompted by the prompt information. If such transactions exist, the determined transaction records are used as matching transaction records to match the product order.

[0129] S41: The transaction information determination subsystem determines the post-payment information generated by the user's product contract based on matching transaction records and product orders.

[0130] Furthermore, when a user selects a post-billing model, the information carried in the product contract request can also include: the post-billing method selected by the user, and the generated product order can also record the user's selected post-billing method. For example, post-billing methods can include: single-transaction payment, fixed commission increase, and commission differential increase, etc. The fee information for the target investment advisory product under the post-billing model can record the fee information for the target investment advisory service under each post-billing method.

[0131] The methods for determining postpaid information differ depending on the postpaid billing method. Examples of methods for determining postpaid information are provided below.

[0132] For example, if the matched transaction records are billed per transaction based on the user's chosen post-payment method, then the fee information for the target investment advisory service under the per-transaction payment method is: A yuan per transaction. When determining the post-payment information generated by the user signing up for the product, the post-payment information generated by the user signing up for the product is calculated based on the number of matched transaction records and the A yuan charged per transaction.

[0133] For example, if the matched transaction record has a fixed commission increase based on the user's selected post-billing method, then the fee information for the target investment advisory service under the single-transaction payment method is: the commission charged for each transaction increases to 0.25%. When determining the post-payment information generated by the user signing up for the product, the post-payment information generated by the user signing up for the product is calculated at 0.25% when calculating the commission for the matched transaction record.

[0134] For example, if the matched transaction record increases the commission difference based on the user's selected post-billing method, then the fee information for the target investment advisory service under the single-transaction payment method is: the commission charged for each transaction increases by 0.0 ...

[0135] S42: The transaction information determination subsystem sends post-payment information to the transaction statistics system.

[0136] S43: The transaction statistics system collects comprehensive payment information from users.

[0137] The following explains the case where the target billing mode is a conditional mode.

[0138] When the target billing model is a conditional billing model, the order management module can generate a product order for the user to purchase the target investment advisory product based on the target product information and the charging information of the target billing model carried in the product subscription request. The product order can record the identifier of the target investment advisory product purchased by the user, the user's identifier, and the conditions under the conditional billing model for the target investment advisory product. The conditional billing model requires determining the user's post-payment information based on their basic conditions; therefore, the charging information does not record the specific charging amount, but rather the conditions under the conditional billing model.

[0139] In one embodiment of the present invention, the target billing mode is a conditional mode. The order processing system includes a transaction information determination subsystem. The order management module is specifically used to determine whether a user has completed a product contract based on the contract information in the following manner: based on the product order, it sends a contract confirmation request to the transaction information determination subsystem to query the user's basic conditions; it receives contract information carrying the user's basic conditions from the transaction information determination subsystem; if the basic conditions meet the product conditional requirements in the target product information, it determines that the user has completed a product contract; if the basic conditions do not meet the product conditional requirements in the target product information, it sends a conditional adjustment request for the user's basic conditions to the transaction information determination subsystem, instructing the transaction information determination subsystem to initiate a basic conditional adjustment process for the user, and periodically sends a contract confirmation request to the transaction information determination subsystem to query the user's basic conditions until it is determined that the user has completed a product contract.

[0140] The following is combined Figure 4 The signaling diagram of the order management process under another conditional mode illustrates how to determine whether a user has completed a product contract.

[0141] S44: Based on product orders, the order management module sends a contract confirmation request to the transaction information determination subsystem to query the user's basic conditions.

[0142] The order management module can set either the user's basic commission or their basic membership level.

[0143] S45: The transaction information confirmation subsystem sends the contract information carrying the user's basic conditions back to the order management module.

[0144] S46: If the basic conditions meet the product limitation conditions in the target product information, the order management module will determine that the user has completed the product contract signing.

[0145] S47: If the basic conditions do not meet the product limitation conditions in the target product information, the order management module will send a condition adjustment request for the user's basic conditions to the transaction information determination subsystem.

[0146] Furthermore, if, after a user completes a product contract, it is determined that the basic conditions do not meet the product restrictions in the target product information, then the user's access to the target investment advisory product will be closed.

[0147] S48: In response to receiving a condition adjustment request, the transaction information determination subsystem initiates a basic condition adjustment process for the user.

[0148] S49: The order management module periodically sends a contract confirmation request to the transaction information confirmation subsystem to query the user's basic conditions until the user completes the product contract.

[0149] If the order management module receives the transaction information confirmation subsystem feedback with the user's basic conditions for signing the contract, then it will determine whether the user has completed the product contract signing in accordance with the above S46-S47.

[0150] In this way, by providing users with a conditional purchase model, the order management system can offer users more and more novel ways to purchase investment advisory products. This allows users who meet the conditions to access investment advisory products without having to go through an additional payment process, thereby improving the user's investment advisory product purchase experience.

[0151] In one embodiment of the present invention, the order management system further includes: a coupon service module. The product subscription request also carries a coupon identifier. After receiving the product subscription request in step S15, the order management module can determine whether the product subscription request also carries a coupon identifier. If it does, the order management module can send the coupon identifier to the coupon service module and receive coupon validity information from the coupon service module. Upon receiving the product subscription request, the order management module generates a product order for the user to purchase the target investment advisory product based on the information carried in the product subscription request, the target product information, the charging information of the target billing mode, and the coupon validity information. The coupon service module is used to receive the coupon identifier and, if the coupon identifier is determined to be valid, send coupon validity information to the order management module.

[0152] The following is combined Figure 5 A signaling diagram illustrating the coupon management process is provided.

[0153] S50: The order management module sends coupon identifiers to the coupon service module.

[0154] S51: The coupon service module receives the coupon identifier. If the coupon identifier is found to be valid, it sends coupon activation information to the order management module.

[0155] S151: The order management module generates a product order for the user to purchase the target investment advisory product based on the information carried in the received product contract request, the target product information, the charging information of the target billing model, and the coupon validity information.

[0156] After the order management module receives the coupon activation information, the above-mentioned S15 can be implemented through S151.

[0157] In S151, if the target billing model is a subscription model, the order management module can calculate the total amount the user pays for the target investment advisory product after using the coupon, based on the coupon validity information, when generating a product order. If the target billing model is a post-billing model or a conditional model, the order management module can add the coupon validity information to the product order. When the order processing system determines the payment information for the product order, it can calculate the discounted payment information based on the coupon validity information.

[0158] In addition, when the target billing model is a subscription model, after the order management module receives the coupon activation information, the order management module can instruct the front-end service module to display to the user: the total amount of the target investment advisory product purchased normally and the total amount of the target investment advisory product purchased after using the coupon.

[0159] In this way, the interaction between the order management module and the coupon service module can provide more flexible technical support for the purchase of investment advisory products, and provide users with flexible and diverse ways to purchase investment advisory products, so as to meet the investment advisory product purchase needs of more users and improve the user's investment advisory product purchase experience.

[0160] Corresponding to the above-mentioned order management system, this embodiment of the invention also provides an order management method.

[0161] In one embodiment of the present invention, see Figure 6 A flowchart illustrating an order management method is provided, comprising steps S601-S606. This method is applied to the order management module of an order management system. The order management system further includes a service provision module and a front-end service module. The service provision module stores product information for investment advisory products and fee information under various billing models. The front-end service module retrieves information from the service provision module and displays the product information for investment advisory products and fee information under various billing models to the user.

[0162] Step S601: Based on the identifier of the target investment advisory product carried in the received product contract request, obtain the target product information and the charging information of the target billing model of the target investment advisory product provided by the service provider module.

[0163] The product signing request also includes the user's information and target billing model.

[0164] Step S602: Based on the information carried in the product contract request, the target product information, and the charging information of the target billing model, generate a product order for the user to purchase the target investment advisory product.

[0165] Step S603: Determine the order processing system for processing product orders under the target billing model.

[0166] Step S604: Based on the product order, send a contract confirmation request to the order processing system, instructing the order processing system to determine the payment information for the product order so that the user can complete the purchase of the target investment advisory product.

[0167] Step S605: Receive the contract information from the order processing system.

[0168] Step S606: If it is determined from the contract information that the user has completed the product contract, then grant the user access to the target investment advisory product.

[0169] As can be seen from the above, the order management system provided by the embodiments of the present invention allows the front-end service module to display product information of investment advisory products provided by the service provider module and charging information under various billing models to users. The order management module can receive product contract requests from users for different billing models, determine the target billing model requested by the user for purchasing the target investment advisory product, generate a product order for the target investment advisory product under the target billing model, determine the order processing system for processing the product order under the target billing model, and send a contract confirmation request to the determined order processing system to enable the user to complete the purchase of the target investment advisory product. Furthermore, it manages the access permissions of the investment advisory product based on the feedback contract information. In this way, the order management system can call different order processing systems for different billing models to determine the payment information of the product order, enable users to complete the purchase of the target investment advisory product, provide different billing models for different users to choose from, meet the diverse purchase needs of a large number of users for investment advisory products, and provide technical support for investment advisory products.

[0170] In one embodiment of the present invention, the target billing mode is: subscription mode, post-billing mode, or conditional mode.

[0171] In this way, by setting up multiple different billing models, users can be provided with various billing options for purchasing investment advisory products. These diversified billing models can further meet the diverse purchasing needs of a large number of users for investment advisory products.

[0172] In one embodiment of the present invention, the target billing model is a subscription model, and the order processing system includes a balance payment subsystem.

[0173] Step S604 above can be implemented as follows: Based on the product order, determine the subscription fee information of the user's subscription to the target investment advisory product; based on the subscription fee information and the target product information, generate a contract confirmation request carrying the virtual product identifier and subscription fee information of the target investment advisory product; send the contract confirmation request to the balance payment subsystem, instructing the balance payment subsystem to initiate the payment process and send the virtual product identifier and subscription fee information to the transaction statistics system, so that the transaction statistics system can collect the user's comprehensive payment information.

[0174] The order management module can determine whether a user has completed a product contract in the following way: if it receives contract information from the transaction information confirmation subsystem, it determines that the user has completed a product contract. The contract information from the transaction information confirmation subsystem indicates that the balance payment subsystem confirms that the user has completed payment for the product order.

[0175] As can be seen from the above, reusing the existing balance payment subsystem to provide users with payment methods in the above manner can reduce the cost of developing a new payment system and the cost of order management system.

[0176] In one embodiment of the present invention, the target billing model is a subscription model, and the order processing system includes a third-party payment subsystem.

[0177] The above step S604 can be implemented as follows: The order management module is specifically used to determine the subscription fee information of the user's subscription to the target investment advisory product based on the product order; based on the subscription fee information and the target product information, generate a virtual product identifier and subscription fee information carrying the target investment advisory product; send the virtual product identifier and subscription fee information to the third-party payment subsystem so that the third-party payment subsystem can determine the payment information of the product order and initiate the payment process.

[0178] The order management module can confirm that a user has completed a product contract in the following way: after the user completes the payment process, it receives the contract information from the third-party payment platform to confirm that the user has completed a product contract.

[0179] As can be seen from the above, using a third-party payment subsystem to provide users with a variety of third-party payment methods can enhance the user experience when purchasing investment advisory products.

[0180] In one embodiment of the present invention, the target billing mode is a post-billing mode, and the order processing system includes a transaction information determination subsystem.

[0181] The above step S604 can be implemented as follows: send a contract confirmation request carrying the product order to the transaction information determination subsystem.

[0182] The order management module can determine whether a user has completed a product contract in the following way: by receiving the contract information from the transaction information confirmation subsystem, the user is confirmed to have completed the product contract. The contract information from the transaction information confirmation subsystem indicates that the transaction information confirmation subsystem has confirmed receipt of the product order.

[0183] In this way, by providing users with a post-billing model, the order management system can offer more flexible technical support for purchasing investment advisory products, provide users with more and more innovative ways to purchase investment advisory products, meet the investment advisory product purchase needs of more users, and improve the user's investment advisory product purchase experience.

[0184] In one embodiment of the present invention, the contract confirmation request is used to instruct the transaction information determination subsystem to confirm the payment information of the product order in the following manner: based on the product order, obtain the prompt information provided to the user by the service providing module; retrieve the transaction record that matches the prompt information from the user's transaction records stored in the transaction statistics system to obtain the matching transaction record that matches the product order; based on the matching transaction record and the product order, determine the post-payment information generated by the user's product contract, and send the post-payment information to the transaction statistics system so that the transaction statistics system can count the user's comprehensive payment information.

[0185] In this way, the order management system uses the contract confirmation request to instruct the existing transaction information determination subsystem to interact with the transaction statistics system, determine the matching transaction records that match the product order, and then determine the post-payment information generated by the user's product contract. This not only provides technical support for the calculation of fees in the post-billing model, but also reduces the cost of developing a new payment system and the cost of the order management system.

[0186] In one embodiment of the present invention, the target billing mode is a conditional mode, and the order processing system includes a transaction information determination subsystem.

[0187] The above step S604 can be implemented as follows: Based on the product order, send a contract confirmation request to the transaction information determination subsystem to query the user's basic conditions.

[0188] The order management module can determine whether a user has completed a product contract in the following ways: it receives contract information carrying the user's basic conditions from the transaction information determination subsystem; if the basic conditions meet the product limitations in the target product information, it determines that the user has completed a product contract; if the basic conditions do not meet the product limitations in the target product information, it sends a condition adjustment request for the user's basic conditions to the transaction information determination subsystem, instructing the transaction information determination subsystem to initiate a basic condition adjustment process for the user, and periodically sends a contract confirmation request to the transaction information determination subsystem to query the user's basic conditions until it determines that the user has completed a product contract.

[0189] In this way, by providing users with a conditional purchase model, the order management system can offer users more and more novel ways to purchase investment advisory products. This allows users who meet the conditions to access investment advisory products without having to go through an additional payment process, thereby improving the user's investment advisory product purchase experience.

[0190] In one embodiment of the present invention, the product subscription request also carries a coupon identifier, and the system further includes a coupon service module.

[0191] Before step S602, the above method further includes: sending a coupon identifier to the coupon service module and receiving coupon activation information sent by the coupon service module.

[0192] Step S602 can be implemented as follows: Based on the information carried in the received product contract request, the target product information, the charging information of the target billing model, and the coupon validity information, a product order for the user to purchase the target investment advisory product is generated. The coupon validity information is sent by the coupon service module to the order management module after receiving the coupon identifier and confirming its validity.

[0193] In this way, the interaction between the order management module and the coupon service module can provide more flexible technical support for the purchase of investment advisory products, and provide users with flexible and diverse ways to purchase investment advisory products, so as to meet the investment advisory product purchase needs of more users and improve the user's investment advisory product purchase experience.

[0194] This invention also provides an electronic device, such as... Figure 7 As shown, it includes a processor 701, a communication interface 702, a memory 703, and a communication bus 704, wherein the processor 701, the communication interface 702, and the memory 703 communicate with each other through the communication bus 704.

[0195] Memory 703 is used to store computer programs;

[0196] When the processor 701 executes the program stored in the memory 703, it implements any of the order management methods described in the above embodiments.

[0197] The communication bus mentioned in the above electronic devices can be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus, etc. This communication bus can be divided into address bus, data bus, control bus, etc. For ease of illustration, only one thick line is used to represent it in the diagram, but this does not mean that there is only one bus or one type of bus.

[0198] The communication interface is used for communication between the aforementioned electronic devices and other devices.

[0199] The memory may include random access memory (RAM) or non-volatile memory (NVM), such as at least one disk storage device. Optionally, the memory may also be at least one storage device located remotely from the aforementioned processor.

[0200] The processors mentioned above can be general-purpose processors, including central processing units (CPUs), network processors (NPs), etc.; they can also be digital signal processors (DSPs), application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), or other programmable logic devices, discrete gate or transistor logic devices, or discrete hardware components.

[0201] In another embodiment of the present invention, a computer-readable storage medium is also provided, wherein a computer program is stored therein, and when the computer program is executed by a processor, it implements the steps of any of the above-described order management methods.

[0202] In another embodiment of the present invention, a computer program product containing instructions is also provided, which, when run on a computer, causes the computer to execute any of the order management methods described above.

[0203] In the above embodiments, implementation can be achieved, in whole or in part, through software, hardware, firmware, or any combination thereof. When implemented in software, it can be implemented, in whole or in part, as a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, all or part of the processes or functions described in the embodiments of the present invention are generated. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions can be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another. For example, the computer instructions can be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via wired (e.g., coaxial cable, fiber optic, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) means. The computer-readable storage medium can be any available medium accessible to a computer or a data storage device such as a server or data center that integrates one or more available media. The available medium can be a magnetic medium (e.g., floppy disk, hard disk, magnetic tape), an optical medium (e.g., DVD), or a semiconductor medium (e.g., solid-state disk (SSD)).

[0204] It should be noted that, in this document, relational terms such as "first" and "second" are used only to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0205] The various embodiments in this specification are described in a related manner. Similar or identical parts between embodiments can be referred to mutually. Each embodiment focuses on describing the differences from other embodiments. In particular, the embodiments of methods, electronic devices, storage media, and computer program products are basically similar to the method embodiments, so the descriptions are relatively simple; relevant parts can be referred to the descriptions of the method embodiments.

[0206] The above description is merely a preferred embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention are included within the scope of protection of the present invention.

Claims

1. An order management system, characterized in that, The system includes: a service provision module, a front-end service module, and an order management module; The service provision module is used to store product information of investment advisory products and charging information under various billing models; The front-end service module is used to obtain information from the service provider module, display product information of investment advisory products and charging information under various billing modes to users; and send a product contract request from the user to the order management module, wherein the product contract request carries the user's user information, the identifier of the target investment advisory product and the target billing mode. The order management module is configured to: obtain the target product information and target billing mode pricing information of the target investment advisory product provided by the service provider module based on the identifier of the target investment advisory product carried in the received product contract request; generate a product order for the user to purchase the target investment advisory product based on the information carried in the product contract request, the target product information, and the pricing information of the target billing mode; determine an order processing system for processing product orders under the target billing mode; send a contract confirmation request to the order processing system based on the product order, instructing the order processing system to determine the payment information of the product order so that the user can complete the purchase of the target investment advisory product; receive contract information from the order processing system; and if the contract information determines that the user has completed the product contract, grant the user access to the target investment advisory product.

2. The system according to claim 1, characterized in that, The target billing model is: subscription model, post-billing model, or conditional model.

3. The system according to claim 2, characterized in that, The target billing model is a subscription model, and the order processing system includes a balance payment subsystem; wherein... The order management module is specifically used to determine the subscription fee information of the user's subscription to the target investment advisory product based on the product order; generate a contract confirmation request carrying the virtual product identifier and subscription fee information of the target investment advisory product based on the subscription fee information and the target product information; send the contract confirmation request to the balance payment subsystem, instructing the balance payment subsystem to initiate a payment process and send the virtual product identifier and subscription fee information to the transaction statistics system, so that the transaction statistics system can count the user's comprehensive payment information; if the contract confirmation information is received from the transaction information determination subsystem, it is determined that the user has completed the product contract, wherein the contract confirmation information from the transaction information determination subsystem indicates that the balance payment subsystem confirms that the user has completed the payment for the product order.

4. The system according to claim 2, characterized in that, The target billing model is a subscription model, and the order processing system includes a third-party payment subsystem; wherein... The order management module is specifically used to determine the subscription fee information of the user's subscription to the target investment advisory product based on the product order; generate a virtual product identifier and subscription fee information carrying the target investment advisory product based on the subscription fee information and the target product information; send the virtual product identifier and subscription fee information to the third-party payment subsystem so that the third-party payment subsystem can determine the payment information of the product order and initiate the payment process; and, if the user completes the payment process, receive the contract information fed back by the third-party payment platform to confirm that the user has completed the product contract signing.

5. The system according to claim 2, characterized in that, The target billing model is a post-billing model, and the order processing system includes a transaction information determination subsystem; wherein... The order management module is specifically used to send a contract confirmation request carrying the product order to the transaction information determination subsystem; receive the contract information fed back by the transaction information determination subsystem, and determine that the user has completed the product contract signing, wherein the contract information fed back by the transaction information determination subsystem indicates that the transaction information determination subsystem confirms receipt of the product order.

6. The system according to claim 5, characterized in that, The contract confirmation request is used to instruct the transaction information determination subsystem to confirm the payment information of the product order in the following manner: Based on the product order, obtain the prompt information provided by the service providing module to the user; The system retrieves transaction records that match the prompt information from the user's transaction records stored in the transaction statistics system, thus obtaining matching transaction records that match the product order; Based on the matched transaction records and the product order, the post-payment information generated by the user's product contract is determined, and the post-payment information is sent to the transaction statistics system so that the transaction statistics system can collect the user's comprehensive payment information.

7. The system according to claim 2, characterized in that, The target billing mode is a conditional billing mode, and the order processing system includes a transaction information determination subsystem; wherein... The order management module is specifically used to send a contract confirmation request to the transaction information determination subsystem based on the product order, for querying the user's basic conditions; receive contract information carrying the user's basic conditions from the transaction information determination subsystem; if the basic conditions meet the product limitation conditions in the target product information, then determine that the user has completed the product contract; if the basic conditions do not meet the product limitation conditions in the target product information, then send a condition adjustment request for the user's basic conditions to the transaction information determination subsystem, instructing the transaction information determination subsystem to initiate a basic condition adjustment process for the user, and periodically send a contract confirmation request to the transaction information determination subsystem for querying the user's basic conditions until it is determined that the user has completed the product contract.

8. The system according to any one of claims 1-6, characterized in that, The product subscription request also carries a coupon identifier, and the system further includes a coupon service module, wherein... The order management module is also used to send the coupon identifier to the coupon service module and receive coupon activation information sent by the coupon service module; The order management module is specifically used to generate a product order for the user to purchase the target investment advisory product based on the information carried in the received product contract request, the target product information, the charging information of the target billing mode, and the coupon validity information. The coupon service module is used to receive the coupon identifier, and if the coupon identifier is determined to be valid, it sends the coupon activation information to the order management module.

9. An order management method, characterized in that, An order management module is applied in an order management system, which further includes a service provision module and a front-end service module; the service provision module is used to store product information of investment advisory products and charging information under various billing models; the front-end service module is used to obtain information from the service provision module and display product information of investment advisory products and charging information under various billing models to users; The method includes: Based on the identifier of the target investment advisory product carried in the received product subscription request, the target product information and the charging information of the target billing mode of the target investment advisory product provided by the service providing module are obtained. The product subscription request also carries the user's user information and the target billing mode. Based on the information carried in the product contract request, the target product information, and the charging information of the target billing model, a product order is generated for the user to purchase the target investment advisory product; Determine an order processing system for handling product orders under the target billing model; Based on the product order, a contract confirmation request is sent to the order processing system, instructing the order processing system to determine the payment information of the product order so that the user can complete the purchase of the target investment advisory product; Receive the contract information fed back by the order processing system; If it is determined from the contract information that the user has completed the product contract, then the user will be granted access to the target investment advisory product.

10. An electronic device, characterized in that, It includes a processor, a communication interface, a memory, and a communication bus, wherein the processor, the communication interface, and the memory communicate with each other through the communication bus; Memory, used to store computer programs; A processor, when executing a program stored in memory, implements the method of claim 9.

11. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program that, when executed by a processor, implements the method of claim 9.

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