Method and device for controlling authority of investment advisor product based on third-party channel

Abstract

The invention provides an investment advisor product authority control method and device based on a third-party channel, and relates to the technical field of data processing. In the method, user identifiers of different channels are different, a fund account is unique, and when a user signs an investment adviser product, a mapping relationship among the fund account, a signed investment adviser product identifier and a user identifier provided by a third-party channel is established; when a user enters an investment adviser product page through a third-party channel, the effectiveness of the user is judged through the user identifier and the timeliness voucher, and the use permission of the product is judged through the fund account number corresponding to the user identifier and the signed investment adviser product identifier, so that when the user who has signed the investment adviser product enters the investment adviser product page through the third-party channel, the use permission of the product is judged. The complete product function can be used without logging in a fund account, and the process of using the product by a user who signs an investment advisor product is greatly simplified.

Description

Technical Field

[0001] This application relates to the field of data processing technology, and in particular to a method and apparatus for controlling access to investment advisory products based on third-party channels. Background Technology

[0002] Investment advisory products, also known as investment advisory services, are essentially professional financial services provided by professional teams from securities companies, banks, or third-party investment consulting firms. Their core objective is to offer personalized investment advice, asset allocation plans, and ongoing portfolio management services based on investors' individual circumstances (such as risk tolerance, asset status, and investment goals). With technological advancements, robo-advisory products have emerged. These are fintech products that utilize artificial intelligence, big data, and algorithmic models to provide automated and personalized investment advisory services. They aim to simulate the service process of traditional human investment advisors digitally, but with lower service barriers and costs.

[0003] When launching investment advisory products on third-party channels, it's necessary to determine whether users have product access rights in order to provide them with different product services. The existing implementation process is as follows: Step 1, the user opens the investment advisory product, clicks the "Use Now" button, a fund account login page pops up, and the user enters their fund account information to complete the login; Step 2, the system obtains the fund account's fundId and the login ticket (a temporary credential used to verify the validity of the user's login session); Step 3, the system queries the user's contract status based on the fundId, determines the validity of the user account based on the ticket, and uses both the contract status and account validity to determine whether the user has product access rights.

[0004] The existing technology has the following problem: Subscribed users of investment advisory products must first log into their fund accounts to obtain their fund ID and a login ticket before they can use the full product functionality. This process is cumbersome for subscribed users. Therefore, this technical problem urgently needs to be solved. Summary of the Invention

[0005] In view of the above problems, this application is made to provide a method and apparatus for controlling access to investment advisory products based on third-party channels, thereby overcoming or at least partially solving the above problems. The technical solution is as follows: Firstly, a method for controlling access to investment advisory products based on third-party channels is provided, the method comprising: When a user is about to enter the target investment advisor product page through a third-party channel, the system obtains the current user's identifier and validity certificate, and uses the current user's identifier and validity certificate to determine whether the current user is valid. If the current user is determined to be valid, the mapping relationship between the pre-established fund account, the signed investment advisor product identifier, and the user identifier provided by the third-party channel is found to obtain the fund account and signed investment advisor product identifier corresponding to the current user identifier. Based on the current user's account number and the signed investment advisor product identifier, determine whether the current user has permission to use the target investment advisor product. If it is determined that the current user has permission to use the target investment advisory product, then the function page of the target investment advisory product will be displayed.

[0006] In one possible implementation, the mapping relationship is established through the following steps: When a user signs up for an investment advisory product through a third-party channel, the user logs into their fund account, and the investment advisory system sends the fund account, the signed investment advisory product identifier, and the user identifier provided by the third-party channel to the order management system. In response to a user's successful signing, the order management system establishes a mapping relationship between the fund account, the signed investment advisor product identifier, and the user identifier provided by the third-party channel, and stores it in a preset database.

[0007] In one possible implementation, in response to a current user about to enter the target investment advisor product page through a third-party channel, the current user identifier and validity period certificate are obtained. The validity of the current user is then determined using the current user identifier and validity period certificate, including: When a user is about to enter the target investment advisor product page through a third-party channel, the system obtains the current user's identifier and validity period certificate. The third-party channel then transmits the current user's identifier and validity period certificate to the investment advisor system via the URL. The investment advisory system calls the order management system, which in turn calls the legitimate user verification interface of a third-party channel. The system uses the current user identifier and validity certificate to determine whether the current user is valid, thus completing the validity verification of the current customer.

[0008] In one possible implementation, if the current user is determined to be valid, the mapping relationship between the pre-established fund account, the contracted investment advisory product identifier, and the user identifier provided by the third-party channel is looked up to obtain the fund account and contracted investment advisory product identifier corresponding to the current user identifier, including: If the order management system determines that the current user is valid, it will look up the pre-established mapping relationship between the fund account, the signed investment advisor product identifier, and the user identifier provided by the third-party channel to obtain the fund account and signed investment advisor product identifier corresponding to the current user identifier, and return them to the investment advisor system.

[0009] In one possible implementation, the method further includes: If the order management system determines that the current user is invalid or cannot find the corresponding fund account and contracted investment advisory product identifier for the current user, it will return an empty fund account corresponding to the current user identifier to the investment advisory system. The investment advisory system will then return the promotional page of the target investment advisory product to the third-party channel, which will then display the promotional page of the target investment advisory product.

[0010] In one possible implementation, based on the current user's corresponding fund account and the signed investment advisor product identifier, it is determined whether the current user has permission to use the target investment advisor product, including: The investment advisory system uses the fund account and the signed investment advisory product identifier corresponding to the current user identifier to call the product permission control interface of the order management system to determine whether the current user has permission to use the target investment advisory product. If it is determined that the current user has permission to use the target investment advisory product, then the product's feature page will be displayed, including: If the investment advisory system determines that the current user has permission to use the target investment advisory product, the system will return the function page of the target investment advisory product to the third-party channel, which will then display the function page.

[0011] In one possible implementation, the method further includes: If the investment advisory system determines that the current user does not have permission to use the target investment advisory product, the system will return the promotional page of the target investment advisory product to a third-party channel, which will then display the promotional page.

[0012] Secondly, a device for controlling access to investment advisory products based on third-party channels is provided, the device comprising: The first judgment unit is used to respond to when the current user is about to enter the target investment advisor product page through a third-party channel, obtain the current user identifier and validity certificate, and determine whether the current user is valid based on the current user identifier and validity certificate; The lookup unit is used to find the mapping relationship between the pre-established fund account, the signed investment advisor product identifier and the user identifier provided by the third-party channel if the current user is determined to be valid, so as to obtain the fund account and the signed investment advisor product identifier corresponding to the current user identifier. The second judgment unit is used to determine whether the current user has the right to use the target investment advisory product based on the fund account corresponding to the current user identifier and the signed investment advisory product identifier. The display unit is used to display the function page of the target investment advisory product if it is determined that the current user has permission to use the target investment advisory product.

[0013] Thirdly, an electronic device is provided, comprising a processor and a memory, wherein the memory stores a computer program, and the processor is configured to run the computer program to perform the method for controlling access to investment advisory products based on third-party channels as described in any of the preceding claims.

[0014] Fourthly, a storage medium is provided that stores a computer program, wherein the computer program is configured to execute the method for controlling access to investment advisory products based on third-party channels as described above when running.

[0015] By utilizing the above technical solution, the method and apparatus for controlling access to investment advisory products based on third-party channels provided in this application embodiment, in which the user identifiers of different channels are different, and the fund accounts are unique, a mapping relationship is established between the fund account, the signed investment advisory product identifier, and the user identifier provided by the third-party channel when the user signs up for the investment advisory product; when the user enters the investment advisory product page through the third-party channel, the validity of the customer is determined by the user identifier and the validity certificate, and the product usage permission is determined by the fund account corresponding to the user identifier and the signed investment advisory product identifier. In this way, when users who have signed up for the investment advisory product enter the investment advisory product page through the third-party channel, they can use the full product functions without logging into their fund account, which greatly simplifies the process of users who have signed up for the investment advisory product using the product. Attached Figure Description

[0016] To more clearly illustrate the technical solutions of the embodiments of this application, the accompanying drawings used in the description of the embodiments of this application will be briefly introduced below.

[0017] Figure 1 A flowchart illustrating the method for controlling access to investment advisory products based on third-party channels provided in this application embodiment is shown. Figure 2 A flowchart illustrating a method for controlling access to investment advisory products based on third-party channels, according to another embodiment of this application, is shown. Figure 3 This paper illustrates a structural diagram of a device for controlling access to investment advisory products based on third-party channels, as provided in an embodiment of this application. Figure 4 This paper illustrates a structural diagram of an apparatus for controlling access to investment advisory products based on third-party channels, according to another embodiment of this application. Figure 5 A structural diagram of an electronic device provided in an embodiment of this application is shown. Detailed Implementation

[0018] Exemplary embodiments of the present application will now be described in more detail with reference to the accompanying drawings. While exemplary embodiments of the present application are shown in the drawings, it should be understood that the present application may be implemented in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this application will be thorough and complete, and will fully convey the scope of the present application to those skilled in the art.

[0019] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such use can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the term "comprising" and its variations should be interpreted as open-ended terms meaning "including but not limited to."

[0020] To address the aforementioned technical problems, this application provides a method for controlling access to investment advisory products based on third-party channels, such as... Figure 1 As shown, the method for controlling access to investment advisory products based on third-party channels may include the following steps S101 to S104: Step S101: In response to the current user about to enter the target investment advisor product page through a third-party channel, obtain the current user identifier and validity certificate, and determine whether the current user is valid based on the current user identifier and validity certificate; Step S102: If the current user is determined to be valid, then look up the mapping relationship between the pre-established fund account, the signed investment advisor product identifier and the user identifier provided by the third-party channel to obtain the fund account and the signed investment advisor product identifier corresponding to the current user identifier. Step S103: Determine whether the current user has the right to use the target investment advisory product based on the fund account corresponding to the current user identifier and the signed investment advisory product identifier. Step S104: If it is determined that the current user has permission to use the target investment advisory product, then display the function page of the target investment advisory product.

[0021] This step displays the feature page of the target investment advisory product, allowing users to access its functions.

[0022] In this embodiment, the user identifiers for different channels are different, and the fund accounts are unique. When a user signs up for an investment advisory product, a mapping relationship is established between the fund account, the signed investment advisory product identifier, and the user identifier provided by the third-party channel. When a user enters the investment advisory product page through a third-party channel, the validity of the customer is determined by the user identifier and the validity period certificate, and the product usage permission is determined by the fund account corresponding to the user identifier and the signed investment advisory product identifier. In this way, when users who have signed up for an investment advisory product enter the investment advisory product page through a third-party channel, they can use the full product functions without logging into their fund account, which greatly simplifies the process of using the product for users who have signed up for an investment advisory product.

[0023] This application provides a possible implementation method, which, in addition to third-party channels, also includes an investment advisory system and an order management system. The process of controlling the access of investment advisory products flows between the third-party channels, the investment advisory system, and the order management system. The mapping relationship mentioned in step S102 above can be established through the following steps A1 and A2: Step A1: In response to a user signing up for an investment advisory product through a third-party channel, the user logs into their fund account, and the investment advisory system sends the fund account, the signed investment advisory product identifier, and the user identifier provided by the third-party channel to the order management system. In step A2, in response to a user's successful signing, the order management system establishes a mapping relationship between the fund account, the signed investment advisor product identifier, and the user identifier provided by the third-party channel, and stores it in the preset database.

[0024] This embodiment achieves seamless integration between systems through standardized interfaces, reducing manual intervention. The investment advisory system automatically collects channel data and forwards it to the order management system, which automatically completes the mapping and storage, reducing errors or delays caused by manual operation.

[0025] This application embodiment provides a possible implementation method. In step S101 above, when the current user is about to enter the target investment advisor product page through a third-party channel, the current user identifier and validity certificate are obtained, and the validity of the current user is determined by the current user identifier and validity certificate. Specifically, this may include the following steps B1 and B2: Step B1: In response to the current user about to enter the target investment advisor product page through a third-party channel, the current user identifier and validity certificate are obtained. The third-party channel then transmits the current user identifier and validity certificate to the investment advisor system via the URL. Here, the URL is a uniform resource locator. Step B2: The investment advisory system calls the order management system, which in turn calls the legitimate user verification interface of the third-party channel to determine whether the current user is valid by using the current user identifier and validity certificate, thus completing the validity verification of the current customer.

[0026] This embodiment effectively prevents unauthorized access or attacks by introducing time-limited credentials and binding them to the current user identifier. The timeliness of the credentials ensures that access permissions are valid only once or within a certain time window, greatly reducing the risk of misuse due to long-term validity of the credentials. Furthermore, the final verification judgment relies on the legitimate user judgment interface of a third-party channel. This design follows the principle of authoritative information source, as the third-party channel best understands the true status of its own users, such as whether the account is normal and whether the session is valid, thus ensuring the authenticity and validity of the user's identity from the root, providing a credible starting point for subsequent investment advisory services. In addition, from the user's perspective, this verification process achieves seamless security verification. Users can automatically complete identity verification by clicking on the link of the third-party channel, without having to repeatedly enter passwords or perform complex identity authentication operations. This design, which embeds security verification into the natural operation process, significantly reduces the user's operational threshold and waiting time, making the process of accessing investment advisory product pages smoother and faster.

[0027] This application embodiment provides a possible implementation method. If step S102 above determines that the current user is valid, then the mapping relationship between the pre-established fund account, the contracted investment advisor product identifier, and the user identifier provided by the third-party channel is searched to obtain the fund account and contracted investment advisor product identifier corresponding to the current user identifier. Specifically, this may include the following step C1: Step C1: If the order management system determines that the current user is valid, the order management system searches for the pre-established mapping relationship between the fund account, the signed investment advisor product identifier, and the user identifier provided by the third-party channel to obtain the fund account and the signed investment advisor product identifier corresponding to the current user identifier, and returns them to the investment advisor system.

[0028] In this embodiment, if the order management system determines that the current user is valid, it indicates that the permission query is based on strict identity verification, forming a secure closed loop. As the core data center, the order management system is responsible for executing the final permission mapping query, which conforms to the principle of least privilege and separation of duties in information security. At the same time, since the mapping relationship is pre-established and stored in a controlled database, the consistency and reliability of the permission data are guaranteed, providing reliable data support for precise access control.

[0029] This application provides a possible implementation method, which may further include the following step C2: Step C2: If the order management system determines that the current user is invalid or cannot find the fund account and contracted investment advisory product identifier corresponding to the current user identifier, it will return an empty fund account corresponding to the current user identifier to the investment advisory system. The investment advisory system will then return the promotional page of the target investment advisory product to the third-party channel, and the third-party channel will display the promotional page of the target investment advisory product.

[0030] This embodiment constructs a secure, controllable, and user-friendly permission verification failure handling mechanism. It ensures that when the system detects invalid access attempts, it can securely block core business operations while redirecting user traffic to appropriate promotional pages, achieving a balance between security and business opportunities. Furthermore, from a system architecture perspective, this embodiment clearly defines the responsibilities of each system, demonstrating the advantages of modular design. The order management system, as the authoritative data source, is responsible for determining validity and querying mapping relationships, but does not handle specific page display logic. The investment advisory system, as the business coordination center, makes decisions based on the results returned by the order management system and instructs channels to display corresponding content. Third-party channels focus on user interaction and execute the final page display. This separation of responsibilities results in low system coupling; changes to the logic of any one party will not easily affect other systems, enhancing the maintainability and scalability of the entire platform.

[0031] This application embodiment provides a possible implementation method. Step S103 above determines whether the current user has the right to use the target investment advisory product based on the fund account corresponding to the current user identifier and the signed investment advisory product identifier. Specifically, it may include the following step D1: Step D1: The investment advisory system calls the product access control interface of the order management system based on the fund account corresponding to the current user identifier and the signed investment advisory product identifier to determine whether the current user has the right to use the target investment advisory product. If step S104 above determines that the current user has permission to use the target investment advisory product, then the function page of the target investment advisory product will be displayed, which may include the following step D2: Step D2: If the investment advisory system determines that the current user has permission to use the target investment advisory product, the investment advisory system returns the function page of the target investment advisory product to the third-party channel, and the third-party channel displays the function page of the target investment advisory product.

[0032] This embodiment constructs a centralized, secure, and efficient product permission judgment and display mechanism, ensuring that only fully verified authorized users can access the core function pages of the investment advisory product, thereby optimizing the user experience while ensuring security.

[0033] The key to step D1 lies in the investment advisory system calling the product access control interface of the order management system to complete the final access judgment. This design concentrates the core logic of access decision-making on the authoritative data source of the order management system, ensuring the consistency and reliability of access judgment. It practices the important principle of least privilege in financial systems, that is, each component of the system only has the minimum permissions necessary to complete its specific task. The investment advisory system itself does not make the final access judgment, but instead initiates a query to a dedicated access control interface. This effectively prevents the risk of unauthorized access that may be caused by the dispersion of access judgment logic, and builds a solid security defense.

[0034] Step D2, after confirming the user's permissions, returns the target investment advisory product's function page to the third-party channel for display. This contrasts sharply with the previous display of promotional pages when the user lacked permissions, achieving precise and differentiated service delivery. For signed and valid users, they can directly access the fully functional interface to make investment decisions, view holdings, and perform other core operations without having to go through cumbersome verification or redirects again, greatly improving the smoothness and satisfaction of the user experience. This seamless display mechanism is key to enhancing user stickiness and service professionalism.

[0035] This application provides a possible implementation method, which may further include the following step D3: Step D3: If the investment advisory system determines that the current user does not have permission to use the target investment advisory product, the investment advisory system returns the promotional page of the target investment advisory product to the third-party channel, and the third-party channel displays the promotional page of the target investment advisory product.

[0036] In this embodiment, the design of step D3 embodies the concepts of user-centricity and business growth. For users without permissions (such as visitors who have not signed up), directly displaying the function page would confuse them, while displaying the promotional page can provide smooth and relevant guidance. The promotional page can clearly introduce the product advantages and service content, and guide users to complete the signing process, thereby turning a failed visit attempt into a potential sales lead or new business opportunity. This approach maintains the consistency of the user experience, avoids user churn caused by abrupt rejection, and maximizes the potential value of a visit while ensuring security.

[0037] The above introduces Figure 1 The embodiments shown have various implementation methods for each stage. The following will further explain the method for controlling access to investment advisory products based on third-party channels in this application through specific embodiments.

[0038] In a specific embodiment, see Figure 2This includes customers (i.e., users), third-party channels, investment advisory systems, and order management systems. The process of controlling access to investment advisory products flows between third-party channels, investment advisory systems, and order management systems.

[0039] The implementation approach is as follows: Third-party channels provide user IDs (userId) and validity certificates (userTicket). The order management system establishes a mapping relationship (i.e., a correspondence) between user IDs (userId), fund accounts (fundId), and product IDs (productId) when a user signs up for an investment advisory product. The validity of the customer is determined by the user ID and userTicket. The order management system is then queried using the fundId determined by the user ID to determine whether the customer has product usage rights.

[0040] With this design, signed clients can access the investment advisory product page through third-party channels and use all product functions without logging into their fund accounts, greatly simplifying the normal product usage process for signed clients.

[0041] The implementation process is as follows: Step P1: Determine customer validity. When a customer opens the investment advisory product page through a third-party channel, the third-party channel loads the investment advisory product page and passes the user identifier (userId) and validity voucher (userTicket) to the investment advisory system via URL concatenation. The investment advisory system uses the user identifier (userId) and validity voucher (userTicket) to call the order management system to obtain the user's fund account (fundId). The order management system uses userId and userTicket to call the third-party channel's legitimate user verification interface to determine whether userId is valid, thus completing customer validity verification. Step P2: Obtaining the customer's fund account. After the order management system verifies the validity of the userId, it queries the customer's fund account through the userId and returns it to the investment advisory system. If the userId is invalid or the customer's fund account cannot be found through the userId, the fundId returned to the investment advisory system will be empty. Step P3: Product permission judgment. The investment advisory system uses the fund account (fundId) and investment advisory product (productId) returned by the order management system to call the product permission control interface of the order management system to determine whether the customer has permission to use the product. If the customer has permission, the investment advisory product function page is displayed. If the customer does not have permission or the order returns an empty fund account, the investment advisory product promotion page is displayed. Step P4: Establishing the mapping relationship between userId, fundId, and productId. The customer, without product usage rights, clicks the "Sign Now" button to successfully log in to their fund account. The investment advisory system then transmits the userId, fundId, and productId to the order management system. After the customer successfully signs the contract, the order management system stores the mapping relationship between userId, fundId, and productId at the time of signing into the database, completing the construction of the mapping relationship. This is used in Step P2 to retrieve the user's fundId through the userId.

[0042] This embodiment can achieve the following technical effects: 1) Simple operation: customers only need to log in to their fund account to complete the product signing when signing up for the investment advisory product for the first time. Subsequent customers do not need to log in to their fund account to use the investment advisory product service normally.

[0043] 2) Wide applicability: This method is applicable to access control of investment advisory products across various channels. It only requires the channel to provide the customer's unique identifier (userId) and the valid credential (userTicket).

[0044] It should be noted that the sequence numbers of the steps in the above embodiments do not imply the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of this application. In practical applications, all the above possible implementation methods can be arbitrarily combined in a combined manner to form possible embodiments of this application, which will not be described in detail here.

[0045] Based on the methods for controlling access to investment advisory products based on third-party channels provided in the above embodiments, and based on the same inventive concept, this application also provides an apparatus for controlling access to investment advisory products based on third-party channels.

[0046] Figure 3 This is a structural diagram of the device for controlling access to investment advisory products based on third-party channels, provided in an embodiment of this application. (As shown...) Figure 3 As shown, the device for controlling access to investment advisory products based on third-party channels may specifically include a first judgment unit 310, a search unit 320, a second judgment unit 330, and a display unit 340.

[0047] The first judgment unit 310 is used to respond to when the current user is about to enter the target investment advisor product page through a third-party channel, obtain the current user identifier and validity certificate, and determine whether the current user is valid through the current user identifier and validity certificate; The lookup unit 320 is used to look up the mapping relationship between the pre-established fund account, the signed investment advisor product identifier and the user identifier provided by the third-party channel if it is determined that the current user is valid, so as to obtain the fund account and the signed investment advisor product identifier corresponding to the current user identifier. The second judgment unit 330 is used to determine whether the current user has the right to use the target investment advisory product based on the fund account corresponding to the current user identifier and the signed investment advisory product identifier. Display unit 340 is used to display the function page of the target investment advisory product if it is determined that the current user has the right to use the target investment advisory product.

[0048] This application provides one possible implementation method, such as... Figure 4 As shown above, Figure 3 The demonstrated apparatus may also include a setup unit 410 for establishing the mapping relationship through the following steps: When a user signs up for an investment advisory product through a third-party channel, the user logs into their fund account, and the investment advisory system sends the fund account, the signed investment advisory product identifier, and the user identifier provided by the third-party channel to the order management system. In response to a user's successful signing, the order management system establishes a mapping relationship between the fund account, the signed investment advisor product identifier, and the user identifier provided by the third-party channel, and stores it in a preset database.

[0049] This application embodiment provides a possible implementation, wherein the first determining unit 310 is further configured to: When a user is about to enter the target investment advisor product page through a third-party channel, the system obtains the current user's identifier and validity period certificate. The third-party channel then transmits the current user's identifier and validity period certificate to the investment advisor system via the URL. The investment advisory system calls the order management system, which in turn calls the legitimate user verification interface of a third-party channel. The system uses the current user identifier and validity certificate to determine whether the current user is valid, thus completing the validity verification of the current customer.

[0050] This application embodiment provides a possible implementation, wherein the lookup unit 320 is further configured to: If the order management system determines that the current user is valid, it will look up the pre-established mapping relationship between the fund account, the signed investment advisor product identifier, and the user identifier provided by the third-party channel to obtain the fund account and signed investment advisor product identifier corresponding to the current user identifier, and return them to the investment advisor system.

[0051] This application embodiment provides a possible implementation, wherein the lookup unit 320 is further configured to: If the order management system determines that the current user is invalid or cannot find the fund account and contracted investment advisor product identifier corresponding to the current user identifier, it will return an empty fund account corresponding to the current user identifier to the investment advisor system. The display unit 340 is also used for: The investment advisory system returns the promotional page of the target investment advisory product to third-party channels, and the third-party channels then display the promotional page of the target investment advisory product.

[0052] This application embodiment provides a possible implementation, wherein the second determination unit 330 is further configured to: The investment advisory system uses the fund account and the signed investment advisory product identifier corresponding to the current user identifier to call the product permission control interface of the order management system to determine whether the current user has permission to use the target investment advisory product. The display unit 340 is also used for: If the investment advisory system determines that the current user has permission to use the target investment advisory product, the system will return the function page of the target investment advisory product to the third-party channel, which will then display the function page.

[0053] This application embodiment provides a possible implementation, wherein the display unit 340 is further configured to: If the investment advisory system determines that the current user does not have permission to use the target investment advisory product, the system will return the promotional page of the target investment advisory product to a third-party channel, which will then display the promotional page.

[0054] Based on the same inventive concept, embodiments of this application also provide an electronic device, including a processor and a memory, wherein the memory stores a computer program, and the processor is configured to run the computer program to execute the method for controlling access to investment advisory products based on third-party channels in any of the above embodiments.

[0055] In an exemplary embodiment, an electronic device is provided, such as Figure 5 As shown, Figure 5 The illustrated electronic device 500 includes a processor 501 and a memory 503. The processor 501 and the memory 503 are connected, for example, via a bus 502. Optionally, the electronic device 500 may also include a transceiver 504. It should be noted that in practical applications, the transceiver 504 is not limited to one type, and the structure of this electronic device 500 does not constitute a limitation on the embodiments of this application.

[0056] Processor 501 may be a CPU (Central Processing Unit), GPU (Graphics Processing Unit), DSP (Digital Signal Processor), ASIC (Application Specific Integrated Circuit), FPGA, or other programmable logic devices, transistor logic devices, hardware components, or any combination thereof. It can implement or execute the various exemplary logic blocks, modules, and circuits described in conjunction with the disclosure of this application. Processor 501 may also be a combination that implements computational functions, such as including one or more microprocessor combinations, a combination of a DSP and a microprocessor, etc.

[0057] Bus 502 may include a pathway for transmitting information between the aforementioned components. Bus 502 may be a PCI (Peripheral Component Interconnect) bus or an EISA (Extended Industry Standard Architecture) bus, etc. Bus 502 can be divided into address bus, data bus, control bus, etc. For ease of representation, Figure 5 The bus is represented by a single thick line, but this does not mean that there is only one bus or one type of bus.

[0058] The memory 503 may be a ROM (Read Only Memory) or other type of static storage device capable of storing static information and instructions, RAM (Random Access Memory) or other type of dynamic storage device capable of storing information and instructions, or an EEPROM (Electrically Erasable Programmable Read Only Memory), CD-ROM (Compact Disc Read Only Memory) or other optical disc storage, optical disc storage (including compressed optical discs, laser discs, optical discs, digital universal optical discs, Blu-ray discs, etc.), magnetic disk storage media or other magnetic storage devices, or any other medium capable of carrying or storing desired program code in the form of instructions or data structures and accessible by a computer, but not limited thereto.

[0059] The memory 503 stores computer program code that executes the scheme of this application, and its execution is controlled by the processor 501. The processor 501 executes the computer program code stored in the memory 503 to implement the content shown in the foregoing method embodiments.

[0060] Among them, electronic devices include, but are not limited to: mobile terminals such as mobile phones, laptops, digital radio receivers, PDAs (personal digital assistants), PADs (tablet computers), PMPs (portable multimedia players), and in-vehicle terminals (such as in-vehicle navigation terminals), as well as fixed terminals such as digital TVs and desktop computers. Figure 5 The electronic device shown is merely an example and should not impose any limitation on the functionality and scope of use of the embodiments of this application.

[0061] Based on the same inventive concept, this application also provides a storage medium storing a computer program, wherein the computer program is configured to execute the method for controlling access to investment advisory products based on third-party channels in any of the above embodiments when running.

[0062] Those skilled in the art will clearly understand that the specific working process of the systems, devices, and modules described above can be referred to the corresponding process in the foregoing method embodiments. For the sake of brevity, it will not be repeated here.

[0063] Those skilled in the art will understand that the technical solution of this application, or all or part of it, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several program instructions to cause an electronic device (e.g., a personal computer, server, or network device) to execute all or part of the steps of the methods described in the embodiments of this application when running the program instructions. The aforementioned storage medium includes various media capable of storing program code, such as a USB flash drive, portable hard drive, read-only memory (ROM), random access memory (RAM), magnetic disk, or optical disk.

[0064] Alternatively, all or part of the steps of the foregoing method embodiments can be implemented by hardware (such as electronic devices like personal computers, servers, or network devices) associated with program instructions. The program instructions can be stored in a computer-readable storage medium. When the program instructions are executed by the processor of the electronic device, the electronic device executes all or part of the steps of the methods described in the embodiments of this application.

[0065] The above embodiments are only used to illustrate the technical solutions of this application, and are not intended to limit it. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that within the spirit and principles of this application, modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some or all of the technical features therein; and these modifications or substitutions do not cause the corresponding technical solutions to leave the protection scope of this application.

Claims

1. A method for controlling access to investment advisory products based on third-party channels, characterized in that, The method comprises: In response to the current user about to enter the target investment product page through the third-party channel, obtaining the current user identifier and the time certificate, and judging whether the current user is valid through the current user identifier and the time certificate; If it is judged that the current user is valid, the mapping relationship of the pre-established fund account, the signed investment product identifier and the user identifier provided by the third-party channel is found, and the fund account and the signed investment product identifier corresponding to the current user identifier are obtained; According to the fund account and the signed investment product identifier corresponding to the current user identifier, it is judged whether the current user has the use right of the target investment product; If it is judged that the current user has the use right of the target investment product, the function page of the target investment product is displayed.

2. The method of claim 1, wherein, The mapping relationship is established by the following steps: In response to the user signing the investment product through the third-party channel, the user logs in the fund account, and the fund account, the signed investment product identifier and the user identifier provided by the third-party channel are sent to the order management system by the investment system; In response to the successful signing of the user, the order management system establishes the mapping relationship of the fund account, the signed investment product identifier and the user identifier provided by the third-party channel, and stores it in the preset database.

3. The method according to claim 1 or 2, characterized in that, In response to the current user about to enter the target investment product page through the third-party channel, obtaining the current user identifier and the time certificate, and judging whether the current user is valid through the current user identifier and the time certificate, comprising: In response to the current user about to enter the target investment product page through the third-party channel, obtaining the current user identifier and the time certificate, and judging whether the current user is valid through the current user identifier and the time certificate, comprising: The order management system calls the legal user judgment interface of the third-party channel, judges whether the current user is valid through the current user identifier and the time certificate, and completes the current client validity verification.

4. The method of claim 3, wherein, If it is judged that the current user is valid, the mapping relationship of the pre-established fund account, the signed investment product identifier and the user identifier provided by the third-party channel is found, and the fund account and the signed investment product identifier corresponding to the current user identifier are obtained, comprising: If the order management system judges that the current user is valid, the order management system finds the mapping relationship of the pre-established fund account, the signed investment product identifier and the user identifier provided by the third-party channel, obtains the fund account and the signed investment product identifier corresponding to the current user identifier, and returns them to the investment system.

5. The method of claim 4, wherein, The method further comprises: If the order management system judges that the current user is invalid or cannot find the fund account and the signed investment product identifier corresponding to the current user identifier, the investment system returns the fund account corresponding to the current user identifier to the third-party channel, and the investment system returns the promotion page of the target investment product to the third-party channel, and the third-party channel displays the promotion page of the target investment product.

6. The method of claim 4, wherein, According to the fund account and the signed investment product identifier corresponding to the current user identifier, it is judged whether the current user has the use right of the target investment product, comprising: The product authority control interface of the order management system is called by the consultant system according to the fund account number and the subscribed consultant product identifier corresponding to the current user identifier, and it is judged whether the current user has the use authority of the target consultant product; If it is judged that the current user has the use authority of the target consultant product, the function page of the target consultant product is displayed, including: If the consultant system judges that the current user has the use authority of the target consultant product, the consultant system returns the function page of the target consultant product to the third-party channel, and the third-party channel displays the function page of the target consultant product.

7. The method of claim 6, wherein, The method further comprises: If the consultant system judges that the current user does not have the use authority of the target consultant product, the consultant system returns the promotion page of the target consultant product to the third-party channel, and the third-party channel displays the promotion page of the target consultant product.

8. A device for controlling access to investment advisory products based on third-party channels, characterized in that, The device comprises: A first judgment unit is configured to, in response to the current user about to enter the target consultant product page through the third-party channel, acquire the current user identifier and the time-limited credential, and judge whether the current user is valid through the current user identifier and the time-limited credential; A search unit is configured to, if it is judged that the current user is valid, search the mapping relationship among the fund account number, the subscribed consultant product identifier and the user identifier provided by the third-party channel, and obtain the fund account number and the subscribed consultant product identifier corresponding to the current user identifier; A second judgment unit is configured to judge whether the current user has the use authority of the target consultant product according to the fund account number and the subscribed consultant product identifier corresponding to the current user identifier; A display unit is configured to, if it is judged that the current user has the use authority of the target consultant product, display the function page of the target consultant product.

9. An electronic device, comprising: A processor and a memory are included, wherein the memory stores a computer program, and the processor is configured to run the computer program to execute the method of the consultant product authority control based on the third-party channel according to any one of claims 1 to 7.

10. A storage medium, characterized by The storage medium stores a computer program, wherein the computer program is configured to execute the method of the consultant product authority control based on the third-party channel according to any one of claims 1 to 7 when running.

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