CN115115462A - Financial website proxy order authorization method and device - Google Patents

Abstract

The present invention provides a method and device for authorizing proxy orders for financial outlets. The method includes: when detecting the pre-generation of proxy orders for each financial outlet, judging whether the one-to-many switch in the home region of each financial outlet is in an enabled state; If the one-to-many switch is in the enabled state, it is determined whether the total number of the business entities of the proxy order and the business entities occupied by the financial outlet exceeds the one-to-many upper limit; If the total number of business entities occupied by the financial outlet exceeds the one-to-many upper limit, the authorization of the agency order is rejected, otherwise the order authorization is performed. The method realizes adaptive management and control according to the different regulatory status in each region, and can flexibly control the number of business entities that act as agent orders in financial outlets according to the regulatory requirements of different regions, and improve the efficiency and accuracy of authorizing agency orders in financial outlets.

Description

Financial network agency order authorization method and device

technical field

The invention relates to the field of the Internet, and in particular, to a method and device for authorizing an agent order of a financial network.

Background technique

Financial outlets usually represent orders from other entities, and the number of entities is often limited. For example, according to the requirements of the China Banking and Insurance Regulatory Commission, the number of insurance companies that are allowed to be sold as agents by maintenance outlets is limited, and the upper limit is three. Based on this, the insurance policy issued by the Internet channel must be double-recorded and the branch one-to-three cooperative institutions must perform strong verification.

However, individual local regulatory authorities have different buffer enforcement requirements. Therefore, how to authorize the agency orders of financial outlets such as banks with high efficiency and accuracy under the premise of meeting local regulatory requirements has become an urgent problem to be solved.

SUMMARY OF THE INVENTION

Aiming at the problems existing in the prior art, the present invention provides a method and device for authorizing an agent order of a financial network.

The present invention provides a method for authorizing proxy orders of financial outlets, which includes: when detecting that the pre-generation of proxy orders of each financial outlet is detected, judging whether the one-to-many switch in the home region of each financial outlet is in an enabled state; If the multi-switch is enabled, it is judged whether the total number of business entities occupied by the agency order and the financial outlets has exceeded the one-to-many upper limit; if the business entities of the agency order and the financial If the total number of business entities occupied by the outlet exceeds the one-to-many upper limit, the authorization of the agency order is rejected, otherwise the order authorization is performed.

According to the method for authorizing an agent order for a financial outlet provided by the present invention, the method further includes: if the one-to-many switch is disabled, skip the order authorization process and enter the order generation process.

According to the method for authorizing proxy orders for financial outlets provided by the present invention, the detecting the pre-generation of proxy orders of each financial outlet includes: detecting the pre-generation of proxy orders of any channel of each financial outlet; wherein, the channel Including online and offline channels.

According to a method for authorizing an agency order for a financial outlet provided by the present invention, before determining whether the total number of business entities of the agency order and the business entities occupied by the financial outlet exceeds a one-to-many upper limit, the method further includes: Find occupied business entities based on all order generation channels.

According to a method for authorizing an agent order for a financial outlet provided by the present invention, after the order authorization is performed, the method further includes: in the case that the business entity of the agency order does not belong to the business entity occupied by the financial outlet, The business entity of the proxy order is marked as the occupied business entity.

According to the method for authorizing proxy orders for financial outlets provided by the present invention, before the pre-generation of the proxy orders of each financial outlet is detected, the method further includes: receiving configuration information of the enabling state of one-to-many switches in each region, and receiving The configuration information of the upper limit of the quantity corresponding to the one-to-many switch of each region.

The present invention also provides an agent order authorization device for a financial outlet, comprising: a switch detection module for determining whether the one-to-many switch in the home region of each financial outlet is enabled when detecting that the agency order of each financial outlet is pre-generated Status; a quantity calculation module, configured to determine whether the total number of business entities of the agency order and the business entities occupied by the financial outlet exceeds the one-to-many upper limit if the one-to-many switch is enabled ; The order authorization module is used to reject the authorization of the agency order if the total number of business entities of the agency order and the business entities occupied by the financial network exceeds the one-to-many upper limit, otherwise, perform order authorization.

The present invention also provides an electronic device, comprising a memory, a processor and a computer program stored in the memory and running on the processor, when the processor executes the program, the financial network agent as described in any one of the above-mentioned programs is implemented. Order authorization method.

The present invention also provides a non-transitory computer-readable storage medium on which a computer program is stored, and when the computer program is executed by a processor, implements any one of the above-mentioned methods for authorizing an agent order of a financial network.

The present invention also provides a computer program product, including a computer program, which, when executed by a processor, implements any one of the above-mentioned methods for authorizing an agent order of a financial network.

The method and device for authorizing an agent order of a financial outlet provided by the present invention monitor whether the one-to-many switch in the home region of each outlet is in an enabled state, thereby realizing adaptive management and control of the different regulatory status in each region. On this basis, by judging whether the total number of the business entities of the agency order and the business entities occupied by the outlet exceeds the one-to-many upper limit, it is possible to flexibly control the agency order business of financial outlets according to the regulatory requirements of different places The number of entities increases the efficiency and accuracy of authorizing agency orders from financial outlets.

Description of drawings

In order to explain the present invention or the technical solutions in the prior art more clearly, the following will briefly introduce the accompanying drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are the For some embodiments of the invention, for those of ordinary skill in the art, other drawings can also be obtained according to these drawings without any creative effort.

Fig. 1 is one of the schematic flow charts of the financial network agency order authorization method provided by the present invention;

Fig. 2 is the second schematic flow chart of the financial network agency order authorization method provided by the present invention;

3 is a schematic structural diagram of a financial outlet agency order authorization device provided by the present invention;

FIG. 4 is a schematic structural diagram of an electronic device provided by the present invention.

Detailed ways

In order to make the objectives, technical solutions and advantages of the present invention clearer, the technical solutions in the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are part of the embodiments of the present invention. , not all examples. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

The following describes the method and device for authorizing an agent order of a financial outlet of the present invention with reference to FIG. 1 to FIG. 4 . Fig. 1 is one of the schematic flow charts of the financial network agency order authorization method provided by the present invention. As shown in Fig. 1, the present invention provides a financial network agency order authorization method, including:

101. When detecting the pre-generation of the agency order of each financial outlet, determine whether the one-to-many switch in the home region of each financial outlet is in an enabled state.

Specifically, in the present invention, the enabling of one-to-many switches is provided according to whether the number of business entities is restricted in different regions. Typically, regions are represented by provinces. For any financial outlet, before there is an agency order that needs to be generated, there will be a preparation process for order pre-generation, such as the process of submitting information and selecting the type of insurance company. In the present invention, when the server receives the relevant information pre-generated by the agency order, it determines the region to which the financial outlet belongs, and searches for the enabling state of the one-to-many (also referred to as 1-to-N) switch in the region to which the outlet belongs.

For example, when a certain channel of an outlet in a certain region places an order, it is determined whether the pair of N switches of the home region corresponding to the outlet of this channel in the region is in an open state.

102. If the one-to-many switch is in an enabled state, determine whether the total number of the business entities of the proxy order and the business entities occupied by the financial outlet exceeds the one-to-many upper limit.

Among them, the business subject is the subject of the agency order, and the total quantity is the number or type of allowed business subjects. For example, when an insurance order is represented, the business entity is an insurance company, and the total number is the number of insurance companies that are allowed to be represented. If the one-to-N switch of the home region corresponding to the channel outlet in the region is turned on, it is necessary to verify whether the business entity of the agency order is within the one-to-N range of the outlet. N is the total number of all allowed business entities that can actually generate orders. If the number of insurance companies represented by an outlet in a certain region is 3 in a year, it is determined whether the insurance company corresponding to the order is within the one-to-3 range of the region.

103. If the total number of the business entities of the proxy order and the business entities occupied by the financial network exceeds the one-to-many upper limit, reject the authorization of the proxy order, otherwise perform order authorization.

If it is within the range, the order is allowed to be issued for order authorization, otherwise, the one-to-N verification of the outlets is not performed, and the order authorization is directly performed.

The agent order authorization method of the financial network of the present invention monitors whether the one-to-many switch in the home region of each network is in an enabled state, thereby realizing adaptive management and control of different regulatory states in each region. On this basis, by judging whether the total number of the business entities of the agency order and the business entities occupied by the outlet exceeds the one-to-many upper limit, it is possible to flexibly control the agency order business of financial outlets according to the regulatory requirements of different places The number of entities increases the efficiency and accuracy of authorizing agency orders from financial outlets.

In one embodiment, the method further includes: if the one-to-many switch is disabled, skip the order authorization process and enter the order generation process. That is, in the above-mentioned embodiment, if the one-to-many switch of the order pre-generation network is turned off, there is no need to monitor the number of business entities of the agent, and the authorization can be performed directly, then the order authorization process is skipped and the subsequent order generation process is entered. .

In one embodiment, the detecting the pre-generation of agency orders of each financial outlet includes: detecting the pre-generation of agency orders of any channel of each outlet; wherein, the channels include online channels and offline channels.

Specifically, online channels include mobile phones, online banking, smart counters, etc., and offline channels include counter channels, telephone sales channels, and offline order supplementary recording (online/batch). The method of the embodiment of the present invention strictly controls the one-to-many restriction of outlets on all channels, which can effectively avoid erroneous authorization and improve the authorization accuracy.

In the embodiment of the present invention, a switch for the number of insurance companies to be sold as an agent by an outlet is set up by region and channel. According to local regulatory requirements, the switch of the number of insurance companies to be sold as an agency by an outlet can be flexibly controlled to meet the premise of supervision. to support business development to the greatest extent possible.

In one embodiment, before judging whether the total number of business entities occupied by the agency order and the business entities occupied by the outlet exceeds a one-to-many upper limit, the method further includes: searching for occupied business entities according to all order generation channels business entity.

In the embodiment of the present invention, all online channels and offline channels are searched for occupied business entities, so as to avoid omission of the total number of business entities.

In one embodiment, after the order authorization is performed, the method further includes: if the business entity of the proxy order does not belong to the business entity occupied by the outlet, marking the business entity of the proxy order as occupied business entity.

Fig. 2 is the second schematic flow chart of the method for authorizing an agent order of a financial network provided by the present invention. As shown in Fig. 2, taking an agent insurance order as an example, in 201, when an agent's insurance order is pre-generated, first obtain the agent's insurance order. The 1-to-N switch state of the home region of the network. In 202 , it is judged whether the 1-to-N switch is turned on, and if it is turned on, the process goes to 203 . In 203, according to the insurance company determined by the user during the recording and recording process when the insurance agency order is pre-generated, it is judged whether it is within the scope of the N insurance companies currently maintained, that is, it is judged that if the current order is generated, the insurance company of the general agent Whether the number of companies exceeds the 1-to-N upper limit N. 204. If it is judged that the insurance company currently acting as an agent for the order, plus the number of insurance companies that have already generated the order, is less than N, then the agent insurance company that currently pre-generates the order is transferred to 205 within the range of 1 to N, otherwise the transfer will be made without authorization. 208, send an error message. 205. The order is successfully issued.

In the inventive embodiment, steps 206 and 207 are added. In 206, if the business entity of the agency order is the first to place an order, the insurance company does not have a quota, and the transfer goes to 207 to mark the business entity of the agency order as an occupied business entity, and occupy the quota. When the business entity has another order for pre-production, it is judged that it belongs to the occupied business entity, and the total number of occupied business entities does not exceed N, and can be authorized directly. Among them, when the insurance order is pre-generated, the user will be recorded and recorded. This process will determine the type of the insurance company, that is, as indicated in the figure, it is determined whether the insurance company is within the range of a pair of outlets according to the recording and video outlets.

In one embodiment, before detecting the pre-generation of the agent order of each financial outlet, the method further includes: receiving configuration information of the enabled state of the one-to-many switch of each region, and receiving the one-to-many switch of each region The corresponding configuration information of the upper limit of the quantity.

When the number of business entities needs to be increased, for example, when the regulation is relaxed and more insurance companies are allowed to be sold on an agency basis, it is only necessary to modify the configuration information of the upper limit of the quantity corresponding to the one-to-many switch, such as modifying the agency sales of bank outlets. number of insurance companies. When a region is not restricted to a one-to-many agency order, the one-to-many switch can be changed to off.

In the embodiment of the present invention, through the configuration of the enabling state of the one-to-many switch and the configuration of the upper limit of the number of the one-to-many switches in the region, the financial outlets can flexibly control the number of business entities sold by the bank outlets and the specific cooperative business entities, and at the same time It can quickly realize the application of new regulations and improve the authorization efficiency of agency orders.

The following describes the financial outlet agency order authorization device provided by the present invention. The financial outlet agency order authorization device described below and the financial outlet agency order authorization method described above may refer to each other correspondingly.

FIG. 3 is a schematic structural diagram of a financial outlet order authorization device provided by the present invention. As shown in FIG. 3 , the financial outlet agency order authorization device includes a switch detection module 301 , a quantity calculation module 302 and an order authorization module 303 . Among them, the switch detection module 301 is used to determine whether the one-to-many switch in the home region of each financial outlet is in an enabled state when detecting the pre-generation of the agency order of each financial outlet; the quantity calculation module 302 is used to determine if the pair of The multi-switch is in the enabled state, then it is judged whether the total number of the business entities of the proxy order and the business entities occupied by the financial outlet exceeds the one-to-many upper limit; the order authorization module 303 is used for If the total number of business entities occupied by the business entity and the financial outlet exceeds the one-to-many upper limit, the authorization of the agency order is rejected, otherwise the order authorization is performed.

In an apparatus embodiment, the order authorization module 303 is further configured to: if the one-to-many switch is disabled, skip the order authorization process and enter the order generation process.

In an apparatus embodiment, the switch detection module 301 is specifically configured to: detect the pre-generation of agent orders of any channel of each financial outlet; wherein, the channels include online channels and offline channels.

In an apparatus embodiment, before judging whether the total number of business entities of the proxy order and the business entities occupied by the outlet exceeds a one-to-many upper limit, the switch detection module 301 is further configured to: according to All order generation channels, find occupied business entities.

In an apparatus embodiment, the order authorization module 303 is further configured to: in the case that the business entity of the proxy order does not belong to the business entity occupied by the outlet, mark the business entity of the proxy order as having been Occupied business entities.

In an embodiment of the apparatus, it further includes a configuration module, configured to: receive configuration information of the enabled state of the one-to-many switches in each region, and receive configuration information of the upper limit of the number corresponding to the one-to-many switches in each region .

The apparatus embodiments provided in the embodiments of the present invention are for implementing the foregoing method embodiments. For specific processes and details, please refer to the foregoing method embodiments, which will not be repeated here.

The realization principle and the technical effects of the financial network agency order authorization device provided by the embodiment of the present invention are the same as the aforementioned embodiments of the financial network agency order authorization method. For the sake of brief description, the embodiment of the financial network agency order authorization device is not mentioned For details, please refer to the corresponding content in the foregoing embodiments of the method for authorizing an agency order for a financial outlet.

FIG. 4 is a schematic structural diagram of an electronic device provided by the present invention. As shown in FIG. 4 , the electronic device may include: a processor (processor) 401, a communication interface (Communications Interface) 402, a memory (memory) 403 and a communication bus 404, The processor 401 , the communication interface 402 , and the memory 403 communicate with each other through the communication bus 404 . The processor 401 can call the logic instruction in the memory 403 to execute the authorization method for the agency order of the financial outlet. The method includes: when detecting the pre-generation of the agency order of each financial outlet, determining the one-to-many switch of the home region of each financial outlet. Whether it is in the enabled state; if the one-to-many switch is in the enabled state, determine whether the total number of business entities occupied by the agency order and the business entities occupied by the financial outlet exceeds the upper limit of the one-to-many number; If the total number of the business entities of the proxy order and the business entities occupied by the financial network exceeds the one-to-many upper limit, the authorization of the proxy order is rejected, otherwise the order authorization is performed.

In addition, the above-mentioned logic instructions in the memory 403 can be implemented in the form of software functional units and can be stored in a computer-readable storage medium when sold or used as an independent product. Based on this understanding, the technical solution of the present invention can be embodied in the form of a software product in essence, or the part that contributes to the prior art or the part of the technical solution. The computer software product is stored in a storage medium, including Several instructions are used to cause a computer device (which may be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, Read-Only Memory (ROM, Read-Only Memory), Random Access Memory (RAM, Random Access Memory), magnetic disk or optical disk and other media that can store program codes .

In another aspect, the present invention also provides a computer program product, the computer program product includes a computer program, the computer program can be stored on a non-transitory computer-readable storage medium, and when the computer program is executed by a processor, the computer can Execute the financial outlet agency order authorization method provided by the above methods, the method includes: when detecting the pre-generation of the agency order of each financial outlet, judging whether the one-to-many switch of the home area of each financial outlet is in an enabled state; If the one-to-many switch is in the enabled state, it is determined whether the total number of the business entities of the proxy order and the business entities occupied by the financial outlet exceeds the upper limit of the one-to-many quantity; If the total number of business entities occupied by the financial outlet exceeds the one-to-many upper limit, the authorization of the agency order is rejected, otherwise the order authorization is performed.

In yet another aspect, the present invention also provides a non-transitory computer-readable storage medium on which a computer program is stored, and the computer program is implemented when executed by a processor to execute the financial network agency order authorization method provided by the above methods. The method includes: when detecting the pre-generation of the agency order of each financial outlet, judging whether the one-to-many switch in the home area of each financial outlet is in an enabled state; if the one-to-many switch is in an enabled state, determining whether the one-to-many switch is in an enabled state Whether the total number of business entities occupied by the agency order and the business entities occupied by the financial outlet exceeds the one-to-many upper limit; if the total number of business entities occupied by the agency order and the financial outlet exceeds one If the upper limit of the quantity is exceeded, the authorization of the said agency order will be rejected, otherwise, the order authorization will be carried out.

The device embodiments described above are only illustrative, wherein the units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in One place, or it can be distributed over multiple network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution in this embodiment. Those of ordinary skill in the art can understand and implement it without creative effort.

From the description of the above embodiments, those skilled in the art can clearly understand that each embodiment can be implemented by means of software plus a necessary general hardware platform, and certainly can also be implemented by hardware. Based on this understanding, the above-mentioned technical solutions can be embodied in the form of software products in essence or the parts that make contributions to the prior art, and the computer software products can be stored in computer-readable storage media, such as ROM/RAM, magnetic A disc, an optical disc, etc., includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to perform the methods described in various embodiments or some parts of the embodiments.

Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, but not to limit them; although the present invention has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that it can still be The technical solutions described in the foregoing embodiments are modified, or some technical features thereof are equivalently replaced; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims (10)

1. a financial network agency order authorization method, is characterized in that, comprises: When detecting the pre-generation of the agency order of each financial outlet, determine whether the one-to-many switch in the home region of each financial outlet is in an enabled state; If the one-to-many switch is in the enabled state, determine whether the total number of business entities of the proxy order and the business entities occupied by the financial outlet exceeds the one-to-many upper limit; If the total number of the business entities of the proxy order and the business entities occupied by the financial network exceeds the one-to-many upper limit, the authorization of the proxy order is rejected, otherwise the order authorization is performed. 2. The financial network agency order authorization method according to claim 1, wherein the method further comprises: If the one-to-many switch is disabled, the order authorization process is skipped, and the order generation process is entered. 3. The financial outlet agency order authorization method according to claim 1, wherein the pre-generation of the agency order that detects each financial outlet comprises: Detect the pre-generation of agency orders for any channel of each financial outlet; Wherein, the channels include online channels and offline channels. 4 . The method for authorizing an agency order for a financial outlet according to claim 1 , wherein the determination of whether the total number of business entities of the agency order and the business entities occupied by the financial outlet exceeds a one-to-many number. 5 . Before the cap, also includes: Find occupied business entities based on all order generation channels. 5. The financial network agency order authorization method according to claim 1, characterized in that, after the order authorization is performed, the method further comprises: In the case that the business entity of the proxy order does not belong to the business entity occupied by the financial outlet, the business entity of the proxy order is marked as the occupied business entity. 6. The financial outlet agency order authorization method according to claim 1, characterized in that, before the pre-generation of the agency order of each financial outlet is detected, further comprising: The configuration information of the enabled state of the one-to-many switches of each region is received, and the configuration information of the upper limit of the number corresponding to the one-to-many switches of each region is received. 7. A financial network agency order authorization device, characterized in that, comprising: The switch detection module is used to determine whether the one-to-many switch in the home region of each financial outlet is in the enabled state when detecting the pre-generation of the agency order of each financial outlet; A quantity calculation module, configured to determine whether the total number of business entities of the agency order and the business entities occupied by the financial outlet exceeds the one-to-many upper limit if the one-to-many switch is enabled; The order authorization module is configured to reject the authorization of the agency order if the total number of business entities occupied by the agency order and the business entities occupied by the financial network exceeds the one-to-many upper limit, otherwise, perform order authorization. 8. An electronic device comprising a memory, a processor and a computer program stored on the memory and running on the processor, wherein the processor implements the program as claimed in claim 1 when executing the program The authorization method for an agency order of a financial outlet described in any one of to 6. 9. A non-transitory computer-readable storage medium on which a computer program is stored, characterized in that, when the computer program is executed by a processor, the authorization of the financial network agency order according to any one of claims 1 to 6 is realized method. 10 . A computer program product, comprising a computer program, characterized in that, when the computer program is executed by a processor, the method for authorizing an order for an agent of a financial outlet according to any one of claims 1 to 6 is implemented.

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