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WO2019019245A1 - 基金组合购买方法、系统及存储介质 - Google Patents

基金组合购买方法、系统及存储介质 Download PDF

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Publication number
WO2019019245A1
WO2019019245A1 PCT/CN2017/099332 CN2017099332W WO2019019245A1 WO 2019019245 A1 WO2019019245 A1 WO 2019019245A1 CN 2017099332 W CN2017099332 W CN 2017099332W WO 2019019245 A1 WO2019019245 A1 WO 2019019245A1
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WIPO (PCT)
Prior art keywords
fund
order
sub
payment
redemption
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2017/099332
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English (en)
French (fr)
Inventor
洪思夷
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OneConnect Financial Technology Co Ltd Shanghai
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OneConnect Financial Technology Co Ltd Shanghai
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Filing date
Publication date
Application filed by OneConnect Financial Technology Co Ltd Shanghai filed Critical OneConnect Financial Technology Co Ltd Shanghai
Publication of WO2019019245A1 publication Critical patent/WO2019019245A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0605—Pooling transaction partners, e.g. group buying or group selling
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0633—Managing shopping lists, e.g. compiling or processing purchase lists
    • G06Q30/0635—Managing shopping lists, e.g. compiling or processing purchase lists replenishment orders; recurring orders

Definitions

  • the invention relates to the technical field of fund portfolio purchase, in particular to a fund combination purchase method, system and storage medium.
  • the main object of the present invention is to propose a fund combination purchase method, system and storage medium, which aims to solve the technical problem that the purchase process is relatively cumbersome when purchasing a fund combination in the prior art.
  • the present invention provides a fund portfolio purchase method, and the fund portfolio purchase method includes:
  • the order numbers corresponding to the respective sub-transaction orders and the payment vouchers corresponding to the respective sub-payment orders are sent to the user end.
  • the present invention also provides a fund portfolio purchasing system, the fund portfolio purchasing system comprising a memory, a processor, and a fund combination purchasing program stored on the memory and operable on the processor And the fund combination purchasing procedure is executed by the processor to implement each step corresponding to the fund combination purchasing method as described above.
  • the present invention further provides a storage medium on which a fund combination purchase program is stored, and when the fund combination purchase program is executed by a processor, the fund combination purchase method corresponding to the above is implemented. Each step.
  • the method, system and storage medium for purchasing a fund combination provided by the present invention, after determining the fund for sale selected by the user terminal, generating a sub-transaction order corresponding to each fund for sale, and generating a sub-payment corresponding to each sub-transaction order.
  • the order, and then according to each sub-payment order, generate a corresponding main payment order the user only needs to pay the main payment order, the purchase process can be completed, and after the payment of the main payment order is successful, the order number corresponding to each sub-transaction order is And the payment voucher corresponding to each sub-payment order is sent to the above-mentioned client.
  • the client only needs to perform an order operation and a payment operation to complete the entire fund combination purchase process, and after the purchase is successful, each of the funds for sale will have an order number and a payment voucher, which is in line with the fund.
  • the purchase regulations simplify the fund portfolio purchase process and solve the technical problems in the prior art when the fund mix is purchased.
  • FIG. 1 is a schematic flow chart of a first embodiment of a method for purchasing a fund portfolio according to the present invention
  • FIG. 2 is a schematic diagram of an optional hardware environment in the fund combination purchasing method of the present invention.
  • FIG. 3 is a schematic flow chart of a second embodiment of a method for purchasing a fund portfolio according to the present invention.
  • FIG. 4 is a schematic flow chart of a fourth embodiment of a method for purchasing a fund portfolio according to the present invention.
  • FIG. 5 is a schematic structural diagram of a software running environment involved in a fund portfolio purchasing system of the present invention.
  • the following embodiments of the present invention mainly provide a fund combination purchase method. After determining a fund for sale purchased by a user, the method generates a sub-transaction order corresponding to each fund for sale, and generates a sub-transaction corresponding to each sub-transaction order. Paying the order, and then generating a corresponding main payment order according to each sub-payment order, the user only needs to pay the main payment order to complete the purchase process, and after the payment of the main payment order is successful, the order corresponding to each sub-transaction order is The number, and the payment voucher corresponding to each sub-payment order are sent to the above-mentioned client.
  • the client only needs to perform an order operation and a payment operation to complete the entire fund combination purchase process, and after the purchase is successful, each of the funds for sale will have an order number and a payment voucher, which is in line with the fund.
  • the purchase regulations simplify the fund portfolio purchase process.
  • FIG. 1 is a schematic flowchart of a first embodiment of a fund portfolio purchase method according to the present invention.
  • the method for purchasing the fund portfolio includes:
  • Step S10 When receiving the combined purchase request submitted by the client, determining, according to the combined purchase request, the fund for sale currently selected by the client.
  • the above-mentioned user terminal refers to a program corresponding to the server and provides a local service for the client. In addition to some applications that only run locally, they are usually installed on a normal client and need to work with the server.
  • the more commonly used clients include web browsers such as the World Wide Web, and client software for instant messaging.
  • the client may include a network terminal such as a mobile terminal, a tablet computer, a notebook computer, a desktop computer, a smart TV, etc., and the client terminal may include an APP (Application) running on the client, a web browser, and the like.
  • FIG. 2 is a schematic diagram of an optional hardware environment in the fund portfolio purchasing method of the present invention.
  • the fund portfolio purchasing method of the present application can be applied to the server 102 and the terminal as shown in FIG. 2. 104 in the hardware environment.
  • the server 102 is connected to the terminal 104 through a network.
  • the network includes but is not limited to a wide area network, a metropolitan area network, or a local area network.
  • the terminal 104 is not limited to a PC, a mobile phone, a tablet, etc., and the server 102 includes but not Limited to single-way servers, multi-way servers, and distributed servers.
  • the fund portfolio purchase method of the embodiment of the present invention may be executed by the server 102, may be performed by the terminal 104, or may be performed by the server 102 and the terminal 104 in common.
  • the user sends an access request to the server 102 through the client in the terminal 104; after receiving the access request, the server 102 generates a task item corresponding to the terminal 104, and according to the type of the generated task item, This task item is automatically assigned to the online server or offline server.
  • the user is required to first select a fund for sale that needs to be purchased among the above-mentioned users, and submit a combined purchase request to the fund sales institution server after the selection is completed.
  • the client After receiving the combined purchase request submitted by the client, determining, according to the combined purchase request, the fund for sale currently selected by the client. It can be understood that the above-mentioned user terminal chooses to purchase at least two or more types of funds for sale.
  • the client when receiving the combined purchase request submitted by the client, it is also necessary to identify the authority of the client, such as identifying whether the client is a registered user, and if the client has not registered/logged in, jump to the registration/login page. The user is prompted to register/login; if the client has already registered and logged in, it is determined whether the client is the first login, and if so, the "newbie guidance page" is pushed to the user.
  • step S20 a sub-transaction order corresponding to each fund for sale is generated, and a sub-payment order corresponding to each sub-transaction order is generated.
  • the sub-transaction order corresponding to each of the funds for sale is automatically generated, and the sub-payment order corresponding to each sub-transaction order is automatically generated, that is, each type of waiting
  • the sales fund will generate a corresponding sub-transaction order and sub-payment order.
  • Step S30 generating a corresponding main payment order according to each sub-payment order.
  • the payment amounts corresponding to the respective sub-payment orders are superimposed, and a corresponding main payment order is generated and sent to the client payment page. For example, if the number of the above-mentioned sub-payment orders is five, and the payment amount of each sub-payment order is 2,000 yuan, the payment amount of the above-mentioned main payment order is 10,000 yuan.
  • the user can only receive the above-mentioned main payment order on the payment page of the client, and the above-mentioned sub-payment orders are not sent to the payment page of the user, therefore, the user only needs to pay the main payment. Orders are fine.
  • the above-mentioned sub-payment orders are successfully paid synchronously, that is, the user only needs to input the payment password once at the user end, and then the above-mentioned sub-payment orders can be paid.
  • the fund portfolio was purchased successfully.
  • Step S40 after detecting that the payment of the main payment order is successful, sending the order number corresponding to each sub-transaction order and the payment voucher corresponding to each sub-payment order to the user end.
  • each of the sub-transaction orders after detecting that the payment of the main payment order is successful, each of the sub-transaction orders respectively generates a corresponding order number, and each of the sub-payment orders also generates a corresponding payment voucher. For example, suppose the client chooses to purchase 5 different funds, then after the above payment of the main payment order is successful, it will generate 5 order numbers and 5 payment documents (or bank deduction information).
  • each sub-payment order that is successfully paid corresponds to the order number of the sub-transaction order, and the payment voucher corresponding to each sub-payment order that the payment is successful is sent to the above-mentioned user end.
  • the method after determining the fund for sale selected by the user end, the method generates a sub-transaction order corresponding to each fund for sale, and generates a sub-payment order corresponding to each sub-transaction order. Then, according to each sub-payment order, a corresponding main payment order is generated, and the user only needs to pay the main payment order to complete the purchase process, and after the payment of the main payment order is successful, the order number corresponding to each sub-transaction order, and The payment voucher corresponding to each sub-payment order is sent to the above-mentioned client.
  • the client only needs to perform an order operation and a payment operation to complete the entire fund combination purchase process, and after the purchase is successful, each of the funds for sale will have an order number and a payment voucher, which is consistent with
  • the fund purchase regulations simplify the fund portfolio purchase process and solve the technical problems in the prior art when the purchase fund combination is relatively complicated.
  • FIG. 3 is a schematic flowchart of a second embodiment of the fund portfolio purchase method of the present invention.
  • the above fund combination purchase method further includes:
  • Step S50 Perform a combination and matching of the funds for sale according to the product information of the fund for sale, and generate a fund purchase combination, where the product information includes one of a fund net value, a fund share, a fund income, and a fund position. Multiple.
  • any of the above-mentioned funds for sale may be sold separately or in combination with other funds for sale, for example, by combining two or more different types of funds for sale. Sell together.
  • the above-mentioned funds for sale may be combined and combined to generate a fund purchase combination, for example, a combination of two or more types of funds with the same fund net value, or a fund share.
  • a fund purchase combination for example, a combination of two or more types of funds with the same fund net value, or a fund share.
  • the same two or more types of funds for sale are combined and so on.
  • the above-mentioned funds for sale can also be combined and matched according to the needs of the user.
  • the three most-received funds for sale can be combined and matched, and a plurality of funds for sale can be selected and matched by the user.
  • the fund purchase combination is further included:
  • the product information corresponding to each of the funds for sale is analyzed, and the fund value, fund income, etc. corresponding to each fund for sale in the fund purchase portfolio may be calculated by the amount.
  • the product information is superimposed separately to generate combined information corresponding to the fund purchase combination. For example, the sum of the fund net values corresponding to each of the funds for sale is used as the fund net value corresponding to the fund purchase combination, and the sum of the income corresponding to each of the fund for sale is used as the income corresponding to the fund purchase combination.
  • the product information such as fund shares and fund positions do not need to be superimposed, and the fund shares and fund positions corresponding to each of the funds for sale can be used as the combination information corresponding to the fund purchase combination.
  • the combination information corresponding to the fund purchase combination is generated and pushed to the user end.
  • the user can not only display the product information corresponding to each fund for sale, but also display the combination information of the fund purchase combination, so that the user can intuitively understand the net value, share, income, position and other data of the fund purchase combination as a whole. .
  • the user may select to purchase a corresponding fund purchase combination according to the above combination information in the user terminal, or the user may also customize a plurality of different funds for sale as a fund combination for purchase.
  • the method combines and mixes the funds for sale according to the product information of the fund for sale, and generates a fund purchase combination, so that the sale fund can be diversified and sold, which is beneficial to raising the fund for sale.
  • the combination information corresponding to the fund purchase combination may be generated, so that the user can intuitively understand the overall net value, share, and income of the fund purchase combination. Data such as positions and positions are conducive to enhancing the user's purchase intention.
  • a third embodiment of the fund portfolio purchase method of the present invention is proposed.
  • this embodiment after the successful payment of the master payment order is detected in the above step S40, Also includes:
  • the missing sub-payment order exists in the main payment order, after receiving the one-key replenishment order sent by the user terminal, extracting the missing sub-payment order and re-purchasing the missing sub-payment order corresponding to Funds for sale.
  • the client pays the above-mentioned main payment order
  • the balance of the payment account corresponding to the client is insufficient, or the product information of a certain purchased fund has changed, such as the change of the fund's net value or fund income
  • the client chooses to purchase 5 different funds, because the balance of the payment account is insufficient, only four of the funds can be purchased, or when the product information of one of the funds changes, only the purchase can be successful. The four funds, the remaining one will fail to purchase. Therefore, after detecting that the above-mentioned payment of the main payment order is successful, it is detected whether there is a missing sub-payment order of the payment failure in the main payment order.
  • the amount actually paid by the user end is the same as the payment amount of the main payment order, and if the actual payment amount of the user terminal is less than the payment amount of the main payment order, It is determined that there is a missing sub-payment order in which the payment failure has occurred in the above main payment order. Or, because only the sub-payment order with successful payment will generate the corresponding order number and payment voucher, and for the sub-payment order that fails to be paid, the order number and the payment voucher will not be generated, so the order number or payment voucher can be generated according to the generated order number.
  • the quantity to determine whether there is a missing sub-payment order for payment failure in the above-mentioned main payment order for example, after the above-mentioned main payment order is successfully paid, the generated order number or the number of payment vouchers is smaller than the number of sub-payment orders of the above-mentioned main payment order At this time, it can be determined that there is a missing sub-payment order in which the payment failure has occurred in the above-mentioned main payment order.
  • the user may click the trigger "one-click replenishment order" instruction in the client to re-purchase the sale fund corresponding to the missing sub-payment order.
  • the client sends the one-button replenishment instruction to the fund sales organization server after detecting that the user triggers the one-key replenishment instruction.
  • the fund sales institution server After receiving the one-key patch command sent by the client, the fund sales institution server searches for the sub-payment order generated by the client before the day or the set time (for example, half an hour or one hour), and then extracts the In which the payment fails, the sub-payment order is paid, and then the fund for sale corresponding to the missing sub-payment order is re-purchased.
  • steps of repurchasing the funds for sale corresponding to the missing sub-payment order include:
  • the missing sub-payment order and the corresponding sub-transaction order need to be deleted, and then the purchase of the missing sub-payment order is re-generated. Supplementary sub-transaction orders and supplementary sub-payment orders for the corresponding funds for sale.
  • the supplementary sub-payment order is automatically paid, that is, when the supplementary sub-payment order is paid, the supplementary sub-payment order does not need to be sent to the user end, and the user terminal does not need to input the payment password. You can complete the payment.
  • the method further includes:
  • the order number corresponding to the supplementary sub-transaction order and the payment voucher corresponding to the supplementary sub-payment order are sent to the user end.
  • the supplementary sub-transaction order after detecting that the supplementary sub-payment order payment is successful, the supplementary sub-transaction order generates a corresponding order number, and the supplementary sub-payment order also generates a corresponding payment voucher.
  • the above-mentioned missing sub-payment order is a sub-payment for all payment failures.
  • the collective name of the order, the above supplementary sub-transaction order is the collective name of all re-generated sub-transaction orders, and the above-mentioned supplementary sub-payment order is also the collective name of all re-generated sub-payment orders.
  • the method further includes:
  • the missing sub-payment order is sent to the user end, and a reminder message for replacing the payment method is sent to the user end.
  • the missing sub-subscription is re-purchased.
  • the entire repurchase process does not require the user to re-order, nor does the user need to re-enter the payment password to complete the one-button replenishment operation, which not only simplifies the customer purchase operation process, but also The integrity of the fund purchase portfolio and the user's revenue are guaranteed.
  • FIG. 4 is a fourth method for purchasing a fund portfolio of the present invention.
  • the flow chart of the embodiment, in the embodiment, the method for purchasing the fund combination further includes:
  • Step S60 When receiving the combined redemption request submitted by the user, determining, according to the combined redemption request, the redemption fund currently selected by the user end to redeem.
  • the redemption fund to be redeemed may be selected among the user terminals, and after the selection is completed, the combined redemption request is submitted to the fund sales institution server.
  • the client After receiving the combined redemption request submitted by the client, determining, according to the combined redemption request, the redemption fund currently selected by the user terminal for redemption. It can be understood that the above-mentioned user terminal selects at least two or more funds to be redeemed for redemption.
  • Step S70 respectively generate a sub-redemption order corresponding to each fund to be redeemed, and generate a corresponding master redemption order according to each generated sub-redemption order.
  • the child redemption order corresponding to each fund to be redeemed is automatically generated, and a corresponding master redemption order is generated according to the generated each child redemption order. For example, suppose that after determining that the client chooses to redeem 5 different funds, it will generate 5 sub-redemption orders and 1 master redemption order, respectively.
  • the redemption amount of the above-mentioned master redemption order is the sum of the redemption amounts corresponding to the above-mentioned individual redemption orders, for example, it is assumed that the number of the above-mentioned sub-redemption orders is five, and the redemption amount of each sub-redemption order is For 2000 yuan, the redemption amount of the above-mentioned master redemption order is 10,000 yuan.
  • Step S80 Perform identity verification on the user end, and redeem the primary redemption order after the identity verification is passed.
  • the redemption client is authenticated, and after the identity verification is passed, the master redemption order is redeemed.
  • the primary redemption order can be redeemed by performing an identity verification on the client. That is, the user can redeem the above-mentioned funds to be redeemed by inputting the redemption password once at the user end.
  • step S90 after detecting that the redemption order is successfully redeemed, the sub-redemption order number corresponding to each sub-redemption order in the main redemption order and the redemption voucher are sent to the user end.
  • each of the sub-redemption orders after detecting that the redemption of the main redemption order is successful, each of the sub-redemption orders respectively generates a corresponding sub-redemption order number and a redemption voucher. For example, if the client chooses to redeem 5 different funds, then after the redemption of the master redemption order is successful, 5 sub-redemption order numbers and 5 redemption documents (or bank remittance information) will be generated. .
  • the method further includes:
  • the redemption fund corresponding to the missing child redemption order is redeemed.
  • the user may click the trigger "one-click redemption" command to redeem the redemption corresponding to the missing redemption order. fund.
  • the step of redeeming the redemption fund corresponding to the missing redemption order includes:
  • the redemption fund corresponding to the supplementary sub-payment order is automatically redeemed, that is, when the replenishment order is redeemed, the user end is not required to be authenticated. Complete the redemption.
  • the method further includes:
  • the above-mentioned missing child redemption order is The collective name for all redemption orders for redemption, the above-mentioned supplementary redemption order is also the collective name for all re-generated child redemption orders.
  • the method after determining the redemption fund selected by the user end, the method generates a child redemption order corresponding to each fund to be redeemed, and generates a master corresponding to each child redemption order.
  • the identity verification of the master redemption order is completed, and the redemption process is completed, and after the redemption of the master redemption order is successful, the redemption order numbers corresponding to each child redemption order, and each The redemption voucher corresponding to the child redemption order is sent to the above-mentioned client.
  • the client only needs to perform a redemption operation and an identity verification operation to complete the entire fund redemption process, and after the redemption is successful, each redemption fund will have a redemption order number.
  • the redemption certificate which is in line with the fund redemption rules, and simplifies the fund portfolio redemption process.
  • the present invention also provides a fund portfolio purchasing system including a memory, a processor, and a fund combination purchasing program stored on the memory and operable on the processor, the fund combination The following steps are implemented when the purchase program is executed by the processor:
  • the order numbers corresponding to the respective sub-transaction orders and the payment vouchers corresponding to the respective sub-payment orders are sent to the user end.
  • the fund for sale is combined and matched according to the product information of the fund for sale, and the fund purchase combination is generated, and the product information includes one or more of a fund net value, a fund share, a fund income, and a fund position.
  • the missing sub-payment order exists in the main payment order, after receiving the one-key replenishment order sent by the user terminal, extracting the missing sub-payment order and re-purchasing the missing sub-payment order corresponding to Funds for sale.
  • steps of repurchasing the funds for sale corresponding to the missing sub-payment order include:
  • the order number corresponding to the supplementary sub-transaction order and the payment voucher corresponding to the supplementary sub-payment order are sent to the user end.
  • the missing sub-payment order is sent to the user end, and a reminder message for replacing the payment method is sent to the user end.
  • the sub redemption order number corresponding to each sub redemption order in the main redemption order and the redemption voucher are sent to the user end.
  • FIG. 5 is a schematic structural diagram of a software running environment involved in the fund portfolio purchasing system of the present invention.
  • the fund combination purchasing system may include: a processor 1001, such as a CPU.
  • the communication bus 1002 is used to implement connection communication between these components;
  • the user interface 1003 may include a display, an input unit such as a keyboard, and the optional user interface 1003 may also include a standard wired interface, wireless.
  • the network interface 1004 can optionally include a standard wired interface, a wireless interface (such as a WI-FI interface);
  • the memory 1005 can be a high-speed RAM memory or a stable memory (non-volatile) Memory, such as a disk storage; the memory 1005 may alternatively be a storage device independent of the processor 1001 described above.
  • FIG. 5 does not constitute a limitation on the above-mentioned fund combination purchasing system, and may include more or less components than those illustrated, or combine some components, or different component arrangements. .
  • an operating system may be included in the memory 1005 as a computer storage medium.
  • the network interface 1004 is mainly used to connect to a background server for data communication with a background server; the user interface 1003 is mainly used to connect a client (user end) to perform data communication with the client; and the processor 1001 can use
  • the fund combination purchase program stored in the memory 1005 is called and the corresponding operation is performed.
  • the fund combination purchasing system After determining the fund for sale purchased by the user terminal, the fund combination purchasing system generates a sub-transaction order corresponding to each fund for sale, and generates a sub-payment order corresponding to each sub-transaction order, and then generates a sub-payment order according to each sub-payment order.
  • the user For the corresponding main payment order, the user only needs to pay the main payment order to complete the purchase process, and after the payment of the main payment order is successful, the order number corresponding to each sub-transaction order and the payment voucher corresponding to each sub-payment order Send to the above client.
  • the client only needs to perform an order operation and a payment operation to complete the entire fund combination purchase process, and after the purchase is successful, each of the funds for sale will have an order number and a payment voucher. It not only meets the fund purchase regulations, but also simplifies the fund portfolio purchase process, and solves the technical problems in the prior art when the purchase fund combination is relatively complicated.
  • the embodiments corresponding to the fund combination purchasing system are basically the same as the corresponding embodiments of the fund combination purchasing method, and therefore are not described herein again.
  • the present invention further provides a storage medium on which a fund combination purchase program is stored, and when the fund combination purchase program is executed by a processor, the following steps are implemented:
  • the order numbers corresponding to the respective sub-transaction orders and the payment vouchers corresponding to the respective sub-payment orders are sent to the user end.
  • the fund for sale is combined and matched according to the product information of the fund for sale, and the fund purchase combination is generated, and the product information includes one or more of a fund net value, a fund share, a fund income, and a fund position.
  • the missing sub-payment order exists in the main payment order, after receiving the one-key replenishment order sent by the user terminal, extracting the missing sub-payment order and re-purchasing the missing sub-payment order corresponding to Funds for sale.
  • steps of repurchasing the funds for sale corresponding to the missing sub-payment order include:
  • the order number corresponding to the supplementary sub-transaction order and the payment voucher corresponding to the supplementary sub-payment order are sent to the user end.
  • the missing sub-payment order is sent to the user end, and a reminder message for replacing the payment method is sent to the user end.
  • the sub redemption order number corresponding to each sub redemption order in the main redemption order and the redemption voucher are sent to the user end.
  • the storage medium may be configured to: after determining that the user selects the purchased fund for sale, generate a sub-transaction order corresponding to each of the funds for sale, and generate a sub-payment order corresponding to each sub-transaction order, and then, according to each sub-payment order, The corresponding main payment order is generated, and the user only needs to pay the main payment order to complete the purchase process, and after the payment of the main payment order is successful, the order number corresponding to each sub-transaction order and the payment corresponding to each sub-payment order
  • the voucher is sent to the above client.
  • the client only needs to perform an order operation and a payment operation to complete the entire fund combination purchase process, and after the purchase is successful, each of the funds for sale will have an order number and a payment voucher, which is in line with the fund.
  • the purchase regulations simplify the fund portfolio purchase process and solve the technical problems in the prior art when the fund mix is purchased.
  • portions of the technical solution of the present invention that contribute substantially or to the prior art may be embodied in the form of a software product stored in a storage medium (such as a ROM/RAM as described above). , a disk, an optical disk, including a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the methods described in various embodiments of the present invention.
  • a terminal device which may be a mobile phone, a computer, a server, or a network device, etc.

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Abstract

一种基金组合购买方法、基金组合购买系统及存储介质，该方法包括：当接收到用户端提交的组合购买请求时，根据所述组合购买请求确定所述用户端当前选择购买的待售基金（S10）；生成各个待售基金所对应的子交易订单，并生成各个子交易订单所对应的子支付订单（S20）；根据各个子支付订单，生成相应的主支付订单（S30）；当检测到所述主支付订单支付成功后，则将所述各个子交易订单对应的订单号，以及所述各个子支付订单对应的支付凭证发送至所述用户端（S40）。该方法只需进行一次下单操作与一次支付操作即可完成整个基金组合购买流程，简化了基金组合购买流程。

Description

基金组合购买方法、系统及存储介质
本申请要求于2017年7月25日提交中国专利局、申请号为201710614775.1、发明名称为“基金组合购买方法、系统及存储介质”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
本发明涉及基金组合购买技术领域，尤其涉及一种基金组合购买方法、系统及存储介质。
背景技术
随着人们生活水平的提高，以及社会经济的飞速发展，近年来，人们的投资理财观念越来越多元化，理财方式及工具也渐趋多元化，比如，越来越多的人开始倾向于购买证券投资基金。
目前，金融机构为了更好的迎合用户的需求，达到收益最大化，逐渐开始推出一些包含多种类型基金的基金组合。由于受金融监管结构的监管，用户购买上述基金组合时，需要客户进行多次下单，多次支付，且金融监管结构要求基金交易订单和支付订单必须一一对应，因此，当用户同时购买的基金种类较多时，购买流程较繁琐。
发明内容
本发明的主要目的在于提出一种基金组合购买方法、系统及存储介质，旨在解决现有技术中在购买基金组合时，购买流程比较繁琐的技术问题。
为实现上述目的，本发明提供一种基金组合购买方法，所述基金组合购买方法包括：
当接收到用户端提交的组合购买请求时，根据所述组合购买请求确定所述用户端当前选择购买的待售基金；
生成各个待售基金所对应的子交易订单，并生成各个子交易订单所对应的子支付订单；
根据各个子支付订单，生成相应的主支付订单；
当检测到所述主支付订单支付成功后，则将所述各个子交易订单对应的订单号，以及所述各个子支付订单对应的支付凭证发送至所述用户端。
此外，为实现上述目的，本发明还提供一种基金组合购买系统，所述基金组合购买系统包括存储器、处理器及存储在所述存储器上并可在所述处理器上运行的基金组合购买程序，所述基金组合购买程序被所述处理器执行时实现如上所述的基金组合购买方法对应的各个步骤。
此外，为实现上述目的，本发明还提供一种存储介质，所述存储介质上存储有基金组合购买程序，所述基金组合购买程序被处理器执行时实现如上所述的基金组合购买方法对应的各个步骤。
本发明所提供的基金组合购买方法、系统及存储介质，在确定用户端选择购买的待售基金后，生成各个待售基金所对应的子交易订单，并生成各个子交易订单所对应的子支付订单，然后根据各个子支付订单，生成相应的主支付订单，用户只需支付该主支付订单，即可完成购买流程，并且在该主支付订单支付成功后，将各个子交易订单对应的订单号，以及各个子支付订单对应的支付凭证发送至上述用户端。即本发明中，客户端只需进行一次下单操作与一次支付操作即可完成整个基金组合购买流程，并且在购买成功后，各个待售基金均会对应有订单号与支付凭证，既符合基金购买规定，又简化了基金组合购买流程，解决了现有技术中在购买基金组合时，购买流程比较繁琐的技术问题。
附图说明
图1为本发明基金组合购买方法第一实施例的流程示意图；
图2为本发明基金组合购买方法中可选的硬件环境示意图；
图3为本发明基金组合购买方法第二实施例的流程示意图；
图4为本发明基金组合购买方法第四实施例的流程示意图；
图5为本发明基金组合购买系统涉及的软件运行环境的结构示意图。
本发明目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
以下结合说明书附图对本发明的优选实施例进行说明，应当理解，此处所描述的优选实施例仅用于说明和解释本发明，并不用于限定本发明，并且在不冲突的情况下，本发明中的实施例及实施例中的特征可以相互组合。
本发明以下实施例主要提供一种基金组合购买方法，该方法在确定用户端选择购买的待售基金后，生成各个待售基金所对应的子交易订单，并生成各个子交易订单所对应的子支付订单，然后根据各个子支付订单，生成相应的主支付订单，用户只需支付该主支付订单，即可完成购买流程，并且在该主支付订单支付成功后，将各个子交易订单对应的订单号，以及各个子支付订单对应的支付凭证发送至上述用户端。即该方法中，客户端只需进行一次下单操作与一次支付操作即可完成整个基金组合购买流程，并且在购买成功后，各个待售基金均会对应有订单号与支付凭证，既符合基金购买规定，又简化了基金组合购买流程。
参照图1，图1为本发明基金组合购买方法第一实施例的流程示意图，本发明基金组合购买方法第一实施例中，上述基金组合购买方法包括：
步骤S10，当接收到用户端提交的组合购买请求时，根据所述组合购买请求确定所述用户端当前选择购买的待售基金。
其中，上述用户端（或称为客户端）是指与服务器相对应，为客户提供本地服务的程序。除了一些只在本地运行的应用程序之外，一般安装在普通的客户机上，需要与服务端互相配合运行。较常用的用户端包括了如万维网使用的网页浏览器，以及即时通讯的客户端软件等。上述客户机可包括移动终端、平板电脑、笔记本电脑、台式电脑、智能电视等网络终端，上述用户端可包括在上述客户机中运行的APP（Application，应用程序）、网页浏览器等。
为了更好的理解本发明，参照图2，图2为本发明基金组合购买方法中可选的硬件环境示意图，本申请的基金组合购买方法可以应用于如图2所示的由服务器102和终端104所构成的硬件环境中。如图2所示，服务器102通过网络与终端104进行连接，上述网络包括但不限于：广域网、城域网或局域网，终端104并不限定于PC、手机、平板电脑等，服务器102包括但不限于单路服务器、多路服务器和分布式服务器。本发明实施例的基金组合购买方法可以由服务器102来执行，也可以由终端104来执行，还可以是由服务器102和终端104共同执行。例如，在一些实施例中，用户通过终端104中的客户端将访问请求发送给服务器102；服务器102在接收到访问请求后，生成与终端104对应的任务事项，并根据生成任务事项的类型将该任务事项自动分配给线上服务端或线下服务端。
具体的，需要用户先在上述用户端中挑选出需要购买的待售基金，在挑选完成之后，向基金销售机构服务器提交组合购买请求。
其中，在接收到用户端提交的组合购买请求之后，根据该组合购买请求确定上述用户端当前选择购买的待售基金。可以理解的是，上述用户端选择购买的待售基金至少为两种或两种以上。
另外，当接收到用户端提交的组合购买请求时，还需要识别该用户端的权限，如识别该用户端是否为注册用户，如果该用户端尚未注册/登录，则跳转至注册/登录页面，提示用户进行注册/登录；如果该用户端已经注册并登录，则判断该用户端是否为初次登录，如果是，则向该用户推送“新手指导页”。
步骤S20，生成各个待售基金所对应的子交易订单，并生成各个子交易订单所对应的子支付订单。
本实施例中，在确定用户端当前选择购买的待售基金之后，自动生成各个待售基金所对应的子交易订单，并且自动生成各个子交易订单所对应的子支付订单，即每一种待售基金都会对应生成一个相应的子交易订单与子支付订单。
例如，假设确定客户端选择购买5种不同的基金之后，则会分别生成5个子交易订单，以及5个子支付订单。
步骤S30，根据各个子支付订单，生成相应的主支付订单。
本实施例中，在生成各个子交易订单所对应的子支付订单之后，将各个子支付订单对应的支付金额进行叠加，生成相应的主支付订单，并发送至客户端支付页面。例如假设上述子支付订单的数量为5个，并且每个子支付订单的支付金额均为2000元，则上述主支付订单的支付金额为10000元。
应当理解的是，对于用户而言，其在用户端支付页面仅能接收到上述主支付订单，上述各个子支付订单并不会发送至用户端支付页面，因此，用户端只需支付该主支付订单即可。
其中，用户端在对上述主支付订单支付成功后，上述各个子支付订单便同步支付成功，即用户只需在用户端输入一次支付密码，即可对上述各个子支付订单进行支付，此时上述基金组合购买成功。
步骤S40，当检测到所述主支付订单支付成功后，则将所述各个子交易订单对应的订单号，以及所述各个子支付订单对应的支付凭证发送至所述用户端。
本实施例中，当检测到上述主支付订单支付成功后，上述各个子交易订单会分别生成相应的订单号，以及上述各个子支付订单也会生成相应的支付凭证。例如，假设客户端选择购买了5种不同的基金，则在上述主支付订单支付成功后，则会分别生成5个订单号，以及5个支付凭证（或银行扣款信息）。
需要说明的是，由于待售基金在处于流通过程中时，其对应的产品信息，如价格、收益率、剩余量等会频繁更新，因此，当某一种待售基金的产品信息发生变化后，该待售基金对应的子支付订单就会支付失败，而对于支付失败的子支付订单，则不会生成订单号与支付凭证。即当检测到上述主支付订单支付成功后，则将支付成功的各个子支付订单对应子交易订单的订单号，以及将支付成功的各个子支付订单对应的支付凭证发送至上述用户端。
本实施例所述的基金组合购买方法，该方法在确定用户端选择购买的待售基金后，生成各个待售基金所对应的子交易订单，并生成各个子交易订单所对应的子支付订单，然后根据各个子支付订单，生成相应的主支付订单，用户只需支付该主支付订单，即可完成购买流程，并且在该主支付订单支付成功后，将各个子交易订单对应的订单号，以及各个子支付订单对应的支付凭证发送至上述用户端。即本实施例中，客户端只需进行一次下单操作与一次支付操作即可完成整个基金组合购买流程，并且在购买成功后，各个待售基金均会对应有订单号与支付凭证，既符合基金购买规定，又简化了基金组合购买流程，解决了现有技术中在购买基金组合时，购买流程比较繁琐的技术问题。
进一步地，基于本发明基金组合购买方法第一实施例，提出本发明基金组合购买方法第二实施例，参照图3，图3为本发明基金组合购买方法第二实施例的流程示意图，本实施例中，上述基金组合购买方法还包括：
步骤S50，预先根据所述待售基金的产品信息，对所述待售基金进行组合搭配，生成基金购买组合，所述产品信息包括基金净值、基金份额、基金收益、基金持仓中的一项或多项。
本实施例中，上述任意一种待售基金既可以单独进行销售，又可以和其他的待售基金组合搭配在一起进行销售，例如将两种或两种以上不同类型的待售基金组合搭配在一起进行销售。
其中，可以根据上述待售基金的产品信息，对上述待售基金进行组合搭配，生成基金购买组合，例如将基金净值相同的两种或两种以上的待售基金进行组合搭配，或者将基金份额相同的两种或两种以上的待售基金进行组合搭配等。
另外，本实施例中，还可以根据用户的需求对上述待售基金进行组合搭配。例如，可根据用户的需求，将收益最高的三种待售基金进行组合搭配等；以及还可以将用户任意选择的若干个待售基金进行组合搭配等。
进一步地，在根据上述待售基金的产品信息，对待售基金进行组合搭配，生成基金购买组合之后还包括：
根据所述基金购买组合中各个待售基金对应的产品信息，生成所述基金购买组合对应的组合信息，并推送至所述用户端。
本实施例中，在将若干个待售基金组合搭配之后，分析各个待售基金对应的产品信息，可将基金购买组合中各个待售基金对应的如基金净值、基金收益等以金额为单位的产品信息分别进行叠加，生成基金购买组合对应的组合信息。例如将各个待售基金对应的基金净值之和作为所述基金购买组合对应的基金净值，将各个待售基金对应的收益之和作为所述基金购买组合对应的收益等。
其中，对于基金份额、基金持仓等产品信息则不需要叠加，可将各个待售基金对应的基金份额、基金持仓同时作为基金购买组合对应的组合信息。
其中，在生成上述基金购买组合对应的组合信息之后，推送至所述用户端。此时，用户端不仅可以展示各个待售基金对应的产品信息，还能够展示基金购买组合对于的组合信息，使得用户能够直观的了解到该基金购买组合整体的净值、份额、收益、持仓等数据。
具体的，用户可在用户端中根据上述组合信息选择购买相应的基金购买组合，或者用户还可以自定义选择若干种不同的待售基金作为基金组合进行购买。
本实施例所述的基金组合购买方法，该方法预先根据待售基金的产品信息，对待售基金进行组合搭配，生成基金购买组合，使得待售基金能够多元化销售，有利于提高待售基金的销售量；另外，还可以根据该基金购买组合中各个待售基金对应的产品信息，生成该基金购买组合对应的组合信息，使得用户能够直观的了解到该基金购买组合整体的净值、份额、收益、持仓等数据，有利于提升用户的购买意向。
进一步地，基于本发明基金组合购买方法第一实施例，提出本发明基金组合购买方法第三实施例，本实施例中，上述步骤S40中所述的当检测到所述主支付订单支付成功之后还包括：
检测所述主支付订单中是否存在支付失败的遗漏子支付订单；
若所述主支付订单中存在所述遗漏子支付订单，则在接收到用户端发送的一键补单指令后，提取出所述遗漏子支付订单，并重新购买所述遗漏子支付订单所对应的待售基金。
本实施例中，当客户端在支付上述主支付订单时，若客户端对应的支付账号余额不足，或者所购买的某种待售基金的产品信息已发生变化，如基金净值或基金收益发生变化等时，则就会存在购买失败的遗漏子支付订单。例如，假设客户端在选择购买5种不同的基金时，由于支付账号余额不足，仅仅只能购买其中的四种基金，或者其中有一种基金的产品信息发生了变化时，则只能购买成功其中的4种基金，剩余一种基金则会购买失败。因此，当检测到上述主支付订单支付成功之后，检测该主支付订单中是否存在支付失败的遗漏子支付订单。
其中，在检测到上述主支付订单支付成功之后，可以检测用户端实际支付的金额与上述主支付订单的支付金额是否相同，如果用户端实际支付的金额小于上述主支付订单的支付金额，则可以确定上述主支付订单中存在支付失败的遗漏子支付订单。或者，由于只有支付成功的子支付订单才会生成相应的订单号与支付凭证，而对于支付失败的子支付订单，则不会生成订单号与支付凭证，因此可以根据生成的订单号或者支付凭证的数量来判断上述主支付订单中是否存在支付失败的遗漏子支付订单，例如，当上述主支付订单支付成功之后，生成的订单号或者支付凭证的数量小于上述主支付订单中子支付订单的数量时，则可以确定上述主支付订单中存在支付失败的遗漏子支付订单。
其中，若上述主支付订单中存在支付失败的遗漏子支付订单，此时，用户可以在客户端中点击触发“一键补单”指令，来重新购买该遗漏子支付订单所对应的待售基金。其中，客户端在检测到用户触发一键补单指令之后，则将该一键补单指令发送至基金销售机构服务器。
其中，基金销售机构服务器在接收到用户端发送的一键补单指令后，则查找出该用户端在当天或者设定时间（例如半小时或一小时）之前生成的子付订单，然后提取出其中支付失败的遗漏子支付订单，然后重新购买该遗漏子支付订单所对应的待售基金。
进一步地，上述重新购买所述遗漏子支付订单所对应的待售基金的步骤包括：
检测所述遗漏子支付订单所对应待售基金的产品信息是否发生变化；
若所述产品信息已发生变化，则重新生成所述遗漏子支付订单对应的补充子交易订单，并生成所述补充子交易订单所对应的补充子支付订单。
本实施例中，若上述遗漏子支付订单所对应待售基金的产品信息已发生变化，则需要将上述遗漏子支付订单以及其对应的子交易订单进行删除，然后重新生成购买上述遗漏子支付订单所对应待售基金的补充子交易订单与补充子支付订单。
其中，在生成上述补充子支付订单之后，自动支付该补充子支付订单，即在支付该补充子支付订单时，不需要将该补充子支付订单发送至用户端，以及不需要用户端输入支付密码即可完成支付。
进一步地，在生成所述补充子交易订单所对应的补充子支付订单之后还包括：
当检测到所述补充子支付订单支付成功后，则将所述补充子交易订单对应的订单号，以及所述补充子支付订单对应的支付凭证发送至所述用户端。
其中，当检测到上述补充子支付订单支付成功后，上述补充子交易订单会生成相应的订单号，以及上述补充子支付订单也会生成相应的支付凭证。
应当理解的是，上述主支付订单中支付失败的子交易订单有可能并不只有一个，也有可能存在多个子支付订单同时支付失败的可能，因此，上述遗漏子支付订单为所有支付失败的子支付订单的统称，上述补充子交易订单为所有重新生成的子交易订单的统称，上述补充子支付订单也同样为所有重新生成的子支付订单的统称。
进一步地，上述检测所述遗漏子支付订单所对应待售基金的产品信息是否发生变化的步骤之后还包括：
若所述产品信息未发生变化，则将所述遗漏子支付订单发送至所述用户端，并向所述用户端发送更换支付方式的提醒消息。
本实施例中，若不是由于待售基金产品信息已发送变化而导致购买失败，则很可能是由于用户端支付账户余额不足导致，因此，可将上述遗漏子支付订单发送至用户端，并向该用户端发送更换支付方式的提醒消息。
本实施例所述的基金组合购买方法，在上述主支付订单支付成功之后，若存在支付失败的遗漏子支付订单，则在接收到用户端发送的一键补单指令后，重新购买该遗漏子支付订单所对应的待售基金，整个补买流程不需要用户端重新下单，也不需要用户端重新输入支付密码，即可完成一键补单操作，不但简化了客户购买操作流程，同时也保障了基金购买组合的完整性以及用户的收益。
进一步地，基于本发明基金组合购买方法第一、或第二、或第三实施例，提出本发明基金组合购买方法第四实施例，参照图4，图4为本发明基金组合购买方法第四实施例的流程示意图，本实施例中，上述基金组合购买方法还包括：
步骤S60，当接收到用户端提交的组合赎回请求时，根据所述组合赎回请求确定所述用户端当前选择赎回的待赎基金。
本实施例中，当用户需要赎回已购基金时，可先在上述用户端中挑选出需要赎回的待赎基金，在挑选完成之后，向基金销售机构服务器提交组合赎回请求。
其中，在接收到用户端提交的组合赎回请求之后，根据该组合赎回请求确定上述用户端当前选择赎回的待赎基金。可以理解的是，上述用户端选择赎回的待赎基金至少为两种或两种以上。
步骤S70，分别生成各个待赎基金所对应的子赎回订单，并根据生成的各个子赎回订单生成相应的主赎回订单。
本实施例中，在确定用户端当前选择赎回的待赎基金之后，自动生成各个待赎基金所对应的子赎回订单，并根据生成的各个子赎回订单生成相应的主赎回订单。例如，假设确定客户端选择赎回5种不同的基金之后，则会分别生成5个子赎回订单，以及1个主赎回订单。
其中，上述主赎回订单的赎回金额为上述各个子赎回订单对应的赎回金额之和，例如假设上述子赎回订单的数量为5个，并且每个子赎回订单的赎回金额均为2000元，则上述主赎回订单的赎回金额为10000元。
步骤S80，对所述用户端进行身份校验，在身份校验通过后，对所述主赎回订单进行赎回。
本实施例中，在生成主赎回订单之后，对赎回用户端进行身份校验，在身份校验通过后，对上述主赎回订单进行赎回。
其中，只需对上述用户端进行一次身份校验，便可对上述主赎回订单进行赎回。即用户只需在用户端输入一次赎回密码，即可赎回上述各个待赎基金。
步骤S90，在检测到所述主赎回订单赎回成功后，则将所述主赎回订单中的各个子赎回订单对应的子赎回订单号以及赎回凭证发送至所述用户端。
本实施例中，当检测到上述主赎回订单赎回成功后，上述各个子赎回订单会分别生成相应的子赎回订单号以及赎回凭证。例如，假设客户端选择赎回了5种不同的基金，则在上述主赎回订单赎回成功后，则会分别生成5个子赎回订单号，以及5个赎回凭证（或银行汇款信息）。
另外，本实施例中，在检测到所述主赎回订单赎回成功后还包括：
检测所述主赎回订单中是否存在赎回失败的遗漏子赎回订单；
若所述主赎回订单中存在所述遗漏子赎回订单，则在接收到用户端发送的一键补赎指令后，重新赎回所述遗漏子赎回订单所对应的待赎基金。
本实施例中，在赎回上述主赎回订单时，若某种待赎基金的产品信息已发生变化，如基金净值或基金收益发生变化等时，则就会存在赎回失败的遗漏子赎回订单。例如，假设客户端在选择赎回5种不同的基金时，由于其中有一种基金的产品信息发生了变化，因此则只能成功赎回其中的4种基金，剩余一种基金则会赎回失败。因此，当检测到上述主赎回订单赎回成功之后，检测该主赎回订单中是否存在赎回失败的遗漏子赎回订单。
其中，若上述主赎回订单中存在赎回失败的遗漏子赎回订单，此时，用户可以点击触发“一键补赎”指令，来重新赎回该遗漏子赎回订单所对应的待赎基金。
进一步地，上述重新赎回所述遗漏子赎回订单所对应的待赎基金的步骤包括：
重新生成所述遗漏子赎回订单对应的补充子赎回订单。
本实施例中，若上述遗漏子赎回订单所对应待赎基金的产品信息已发生变化，则需要将上述遗漏子赎回订单进行删除，然后重新生成赎回上述遗漏子赎回订单所对应待赎基金的补充子赎回订单。
其中，在生成上述补充子赎回订单之后，自动赎回该补充子支付订单所对应待赎基金，即在赎回该补充子赎回订单时，不需要再对用户端进行身份校验即可完成赎回。
进一步地，在生成所述遗漏子赎回订单所对应的补充子赎回订单之后还包括：
当检测到所述补充子赎回订单赎回成功后，则将所述补充子赎回订单对应的赎回订单号，以及所述补充子赎回订单对应的赎回凭证发送至所述用户端。
应当理解的是，上述主赎回订单中赎回失败的子赎回订单有可能并不只有一个，也有可能存在多个子赎回订单同时赎回失败的可能，因此，上述遗漏子赎回订单为所有赎回失败的子赎回订单的统称，上述补充子赎回订单也同样为所有重新生成的子赎回订单的统称。
本实施例所述的基金组合购买方法，该方法在确定用户端选择赎回的待赎基金后，生成各个待赎基金所对应的子赎回订单，并生成各个子赎回订单所对应的主支付订单，只需对该主赎回订单进行身份校验，即可完成赎回流程，并且在该主赎回订单赎回成功后，将各个子赎回订单对应的赎回订单号，以及各个子赎回订单对应的赎回凭证发送至上述用户端。即本实施例中，客户端只需进行一次赎回操作与一次身份校验操作即可完成整个基金组合赎回流程，并且在赎回成功后，各个待赎基金均会对应有赎回订单号与赎回凭证，既符合基金赎回规定，又简化了基金组合赎回流程。
进一步地，本发明还提供一种基金组合购买系统，该基金组合购买系统包括存储器、处理器及存储在所述存储器上并可在所述处理器上运行的基金组合购买程序，所述基金组合购买程序被所述处理器执行时实现如下步骤：
当接收到用户端提交的组合购买请求时，根据所述组合购买请求确定所述用户端当前选择购买的待售基金；
生成各个待售基金所对应的子交易订单，并生成各个子交易订单所对应的子支付订单；
根据各个子支付订单，生成相应的主支付订单；
当检测到所述主支付订单支付成功后，则将所述各个子交易订单对应的订单号，以及所述各个子支付订单对应的支付凭证发送至所述用户端。
进一步地，上述基金组合购买程序被所述处理器执行时，还可以实现如下步骤：
预先根据所述待售基金的产品信息，对所述待售基金进行组合搭配，生成基金购买组合，所述产品信息包括基金净值、基金份额、基金收益、基金持仓中的一项或多项。
进一步地，上述预先根据所述待售基金的产品信息，对所述待售基金进行组合搭配，生成基金购买组合的步骤之后，上述基金组合购买程序被所述处理器执行时，还可以实现如下步骤：
根据所述基金购买组合中各个待售基金对应的产品信息，生成所述基金购买组合对应的组合信息，并推送至所述用户端。
进一步地，上述当检测到所述主支付订单支付成功的步骤之后，上述基金组合购买程序被所述处理器执行时，还可以实现如下步骤：
检测所述主支付订单中是否存在支付失败的遗漏子支付订单；
若所述主支付订单中存在所述遗漏子支付订单，则在接收到用户端发送的一键补单指令后，提取出所述遗漏子支付订单，并重新购买所述遗漏子支付订单所对应的待售基金。
进一步地，上述重新购买所述遗漏子支付订单所对应的待售基金的步骤包括：
检测所述遗漏子支付订单所对应待售基金的产品信息是否发生变化；
若所述产品信息已发生变化，则重新生成所述遗漏子支付订单对应的补充子交易订单，并生成所述补充子交易订单所对应的补充子支付订单。
进一步地，上述生成所述补充子交易订单所对应的补充子支付订单的步骤之后，上述基金组合购买程序被所述处理器执行时，还可以实现如下步骤：
当检测到所述补充子支付订单支付成功后，则将所述补充子交易订单对应的订单号，以及所述补充子支付订单对应的支付凭证发送至所述用户端。
进一步地，上述检测所述遗漏子支付订单所对应待售基金的产品信息是否发生变化的步骤之后，上述基金组合购买程序被所述处理器执行时，还可以实现如下步骤：
若所述产品信息未发生变化，则将所述遗漏子支付订单发送至所述用户端，并向所述用户端发送更换支付方式的提醒消息。
进一步地，上述基金组合购买程序被所述处理器执行时，还可以实现如下步骤：
当接收到用户端提交的组合赎回请求时，根据所述组合赎回请求确定所述用户端当前选择赎回的待赎基金；
分别生成各个待赎基金所对应的子赎回订单，并根据生成的各个子赎回订单生成相应的主赎回订单；
对所述用户端进行身份校验，在身份校验通过后，对所述主赎回订单进行赎回；
在检测到所述主赎回订单赎回成功后，则将所述主赎回订单中的各个子赎回订单对应的子赎回订单号以及赎回凭证发送至所述用户端。
为了更好的理解本发明，参照图5，图5为本发明基金组合购买系统涉及的软件运行环境的结构示意图，本实施例中，上述基金组合购买系统可包括：处理器1001，例如CPU，网络接口1004，用户接口1003，存储器1005，通信总线1002。其中，通信总线1002用于实现这些组件之间的连接通信；用户接口1003可以包括显示屏（Display）、输入单元比如键盘（Keyboard），可选的用户接口1003还可以包括标准的有线接口、无线接口；网络接口1004可选的可以包括标准的有线接口、无线接口（如WI-FI接口）；存储器1005可以是高速RAM存储器，也可以是稳定的存储器（non-volatile memory），例如磁盘存储器；存储器1005可选的还可以是独立于前述处理器1001的存储装置。
本领域技术人员可以理解，图5中示出的结构并不构成对上述基金组合购买系统的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。
如图5所示，作为一种计算机存储介质的存储器1005中可以包括操作系统、网络通信模块、用户接口模块以及基金组合购买程序。
如图5所示，网络接口1004主要用于连接后台服务器，与后台服务器进行数据通信；用户接口1003主要用于连接客户端（用户端），与客户端进行数据通信；而处理器1001可以用于调用存储器1005中存储的基金组合购买程序，并执行相应的操作。
上述基金组合购买系统在确定用户端选择购买的待售基金后，生成各个待售基金所对应的子交易订单，并生成各个子交易订单所对应的子支付订单，然后根据各个子支付订单，生成相应的主支付订单，用户只需支付该主支付订单，即可完成购买流程，并且在该主支付订单支付成功后，将各个子交易订单对应的订单号，以及各个子支付订单对应的支付凭证发送至上述用户端。即上述基金组合购买系统中，客户端只需进行一次下单操作与一次支付操作即可完成整个基金组合购买流程，并且在购买成功后，各个待售基金均会对应有订单号与支付凭证，既符合基金购买规定，又简化了基金组合购买流程，解决了现有技术中在购买基金组合时，购买流程比较繁琐的技术问题。
其中，上述基金组合购买系统对应的实施例与前述基金组合购买方法对应的各个实施例基本相同，故在此不再赘述。
进一步地，本发明还提供一种存储介质，该存储介质上存储有基金组合购买程序，所述基金组合购买程序被处理器执行时实现如下步骤：
当接收到用户端提交的组合购买请求时，根据所述组合购买请求确定所述用户端当前选择购买的待售基金；
生成各个待售基金所对应的子交易订单，并生成各个子交易订单所对应的子支付订单；
根据各个子支付订单，生成相应的主支付订单；
当检测到所述主支付订单支付成功后，则将所述各个子交易订单对应的订单号，以及所述各个子支付订单对应的支付凭证发送至所述用户端。
进一步地，上述基金组合购买程序被所述处理器执行时，还可以实现如下步骤：
预先根据所述待售基金的产品信息，对所述待售基金进行组合搭配，生成基金购买组合，所述产品信息包括基金净值、基金份额、基金收益、基金持仓中的一项或多项。
进一步地，上述预先根据所述待售基金的产品信息，对所述待售基金进行组合搭配，生成基金购买组合的步骤之后，上述基金组合购买程序被所述处理器执行时，还可以实现如下步骤：
根据所述基金购买组合中各个待售基金对应的产品信息，生成所述基金购买组合对应的组合信息，并推送至所述用户端。
进一步地，上述当检测到所述主支付订单支付成功的步骤之后，上述基金组合购买程序被所述处理器执行时，还可以实现如下步骤：
检测所述主支付订单中是否存在支付失败的遗漏子支付订单；
若所述主支付订单中存在所述遗漏子支付订单，则在接收到用户端发送的一键补单指令后，提取出所述遗漏子支付订单，并重新购买所述遗漏子支付订单所对应的待售基金。
进一步地，上述重新购买所述遗漏子支付订单所对应的待售基金的步骤包括：
检测所述遗漏子支付订单所对应待售基金的产品信息是否发生变化；
若所述产品信息已发生变化，则重新生成所述遗漏子支付订单对应的补充子交易订单，并生成所述补充子交易订单所对应的补充子支付订单。
进一步地，上述生成所述补充子交易订单所对应的补充子支付订单的步骤之后，上述基金组合购买程序被所述处理器执行时，还可以实现如下步骤：
当检测到所述补充子支付订单支付成功后，则将所述补充子交易订单对应的订单号，以及所述补充子支付订单对应的支付凭证发送至所述用户端。
进一步地，上述检测所述遗漏子支付订单所对应待售基金的产品信息是否发生变化的步骤之后，上述基金组合购买程序被所述处理器执行时，还可以实现如下步骤：
若所述产品信息未发生变化，则将所述遗漏子支付订单发送至所述用户端，并向所述用户端发送更换支付方式的提醒消息。
进一步地，上述基金组合购买程序被所述处理器执行时，还可以实现如下步骤：
当接收到用户端提交的组合赎回请求时，根据所述组合赎回请求确定所述用户端当前选择赎回的待赎基金；
分别生成各个待赎基金所对应的子赎回订单，并根据生成的各个子赎回订单生成相应的主赎回订单；
对所述用户端进行身份校验，在身份校验通过后，对所述主赎回订单进行赎回；
在检测到所述主赎回订单赎回成功后，则将所述主赎回订单中的各个子赎回订单对应的子赎回订单号以及赎回凭证发送至所述用户端。
上述存储介质可实现：在确定用户端选择购买的待售基金后，生成各个待售基金所对应的子交易订单，并生成各个子交易订单所对应的子支付订单，然后根据各个子支付订单，生成相应的主支付订单，用户只需支付该主支付订单，即可完成购买流程，并且在该主支付订单支付成功后，将各个子交易订单对应的订单号，以及各个子支付订单对应的支付凭证发送至上述用户端。即本发明中，客户端只需进行一次下单操作与一次支付操作即可完成整个基金组合购买流程，并且在购买成功后，各个待售基金均会对应有订单号与支付凭证，既符合基金购买规定，又简化了基金组合购买流程，解决了现有技术中在购买基金组合时，购买流程比较繁琐的技术问题。
其中，上述存储介质对应的实施例与前述基金组合购买方法对应的各个实施例基本相同，故在此不再赘述。
需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者系统不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者系统所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者系统中还存在另外的相同要素。
上述本发明实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本发明的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在如上所述的一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算机，服务器，或者网络设备等)执行本发明各个实施例所述的方法。
以上仅为本发明的优选实施例，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。

Claims (24)

  1. 一种基金组合购买方法，其特征在于，所述基金组合购买方法包括：
    当接收到用户端提交的组合购买请求时，根据所述组合购买请求确定所述用户端当前选择购买的待售基金；
    生成各个待售基金所对应的子交易订单，并生成各个子交易订单所对应的子支付订单；
    根据各个子支付订单，生成相应的主支付订单；
    当检测到所述主支付订单支付成功后，则将所述各个子交易订单对应的订单号，以及所述各个子支付订单对应的支付凭证发送至所述用户端。
  2. 如权利要求1所述的基金组合购买方法，其特征在于，所述基金组合购买方法还包括：
    预先根据所述待售基金的产品信息，对所述待售基金进行组合搭配，生成基金购买组合，所述产品信息包括基金净值、基金份额、基金收益、基金持仓中的一项或多项。
  3. 如权利要求2所述的基金组合购买方法，其特征在于，所述预先根据所述待售基金的产品信息，对所述待售基金进行组合搭配，生成基金购买组合的步骤之后还包括：
    根据所述基金购买组合中各个待售基金对应的产品信息，生成所述基金购买组合对应的组合信息，并推送至所述用户端。
  4. 如权利要求1所述的基金组合购买方法，其特征在于，当检测到所述主支付订单支付成功之后还包括：
    检测所述主支付订单中是否存在支付失败的遗漏子支付订单；
    若所述主支付订单中存在所述遗漏子支付订单，则在接收到用户端发送的一键补单指令后，提取出所述遗漏子支付订单，并重新购买所述遗漏子支付订单所对应的待售基金。
  5. 如权利要求4所述的基金组合购买方法，其特征在于，所述重新购买所述遗漏子支付订单所对应的待售基金的步骤包括：
    检测所述遗漏子支付订单所对应待售基金的产品信息是否发生变化；
    若所述产品信息已发生变化，则重新生成所述遗漏子支付订单对应的补充子交易订单，并生成所述补充子交易订单所对应的补充子支付订单。
  6. 如权利要求5所述的基金组合购买方法，其特征在于，所述生成所述补充子交易订单所对应的补充子支付订单的步骤之后还包括：
    当检测到所述补充子支付订单支付成功后，则将所述补充子交易订单对应的订单号，以及所述补充子支付订单对应的支付凭证发送至所述用户端。
  7. 如权利要求5所述的基金组合购买方法，其特征在于，检测所述遗漏子支付订单所对应待售基金的产品信息是否发生变化的步骤之后还包括：
    若所述产品信息未发生变化，则将所述遗漏子支付订单发送至所述用户端，并向所述用户端发送更换支付方式的提醒消息。
  8. 如权利要求1所述的基金组合购买方法，其特征在于，所述基金组合购买方法还包括：
    当接收到用户端提交的组合赎回请求时，根据所述组合赎回请求确定所述用户端当前选择赎回的待赎基金；
    分别生成各个待赎基金所对应的子赎回订单，并根据生成的各个子赎回订单生成相应的主赎回订单；
    对所述用户端进行身份校验，在身份校验通过后，对所述主赎回订单进行赎回；
    在检测到所述主赎回订单赎回成功后，则将所述主赎回订单中的各个子赎回订单对应的子赎回订单号以及赎回凭证发送至所述用户端。
  9. 一种基金组合购买系统，其特征在于，所述基金组合购买系统包括存储器、处理器及存储在所述存储器上并可在所述处理器上运行的基金组合购买程序，所述基金组合购买程序被所述处理器执行时实现如下步骤：
    当接收到用户端提交的组合购买请求时，根据所述组合购买请求确定所述用户端当前选择购买的待售基金；
    生成各个待售基金所对应的子交易订单，并生成各个子交易订单所对应的子支付订单；
    根据各个子支付订单，生成相应的主支付订单；
    当检测到所述主支付订单支付成功后，则将所述各个子交易订单对应的订单号，以及所述各个子支付订单对应的支付凭证发送至所述用户端。
  10. 如权利要求9所述的基金组合购买系统，其特征在于，所述处理器还用于执行所述基金组合购买程序，以实现以下步骤：
    预先根据所述待售基金的产品信息，对所述待售基金进行组合搭配，生成基金购买组合，所述产品信息包括基金净值、基金份额、基金收益、基金持仓中的一项或多项。
  11. 如权利要求10所述的基金组合购买系统，其特征在于，所述处理器还用于执行所述基金组合购买程序，以实现以下步骤：
    根据所述基金购买组合中各个待售基金对应的产品信息，生成所述基金购买组合对应的组合信息，并推送至所述用户端。
  12. 如权利要求9所述的基金组合购买系统，其特征在于，所述处理器还用于执行所述基金组合购买程序，以实现以下步骤：
    检测所述主支付订单中是否存在支付失败的遗漏子支付订单；
    若所述主支付订单中存在所述遗漏子支付订单，则在接收到用户端发送的一键补单指令后，提取出所述遗漏子支付订单，并重新购买所述遗漏子支付订单所对应的待售基金。
  13. 如权利要求12所述的基金组合购买系统，其特征在于，所述处理器还用于执行所述基金组合购买程序，以实现以下步骤：
    检测所述遗漏子支付订单所对应待售基金的产品信息是否发生变化；
    若所述产品信息已发生变化，则重新生成所述遗漏子支付订单对应的补充子交易订单，并生成所述补充子交易订单所对应的补充子支付订单。
  14. 如权利要求13所述的基金组合购买系统，其特征在于，所述处理器还用于执行所述基金组合购买程序，以实现以下步骤：
    当检测到所述补充子支付订单支付成功后，则将所述补充子交易订单对应的订单号，以及所述补充子支付订单对应的支付凭证发送至所述用户端。
  15. 如权利要求13所述的基金组合购买系统，其特征在于，所述处理器还用于执行所述基金组合购买程序，以实现以下步骤：
    若所述产品信息未发生变化，则将所述遗漏子支付订单发送至所述用户端，并向所述用户端发送更换支付方式的提醒消息。
  16. 如权利要求9所述的基金组合购买系统，其特征在于，所述处理器还用于执行所述基金组合购买程序，以实现以下步骤：
    当接收到用户端提交的组合赎回请求时，根据所述组合赎回请求确定所述用户端当前选择赎回的待赎基金；
    分别生成各个待赎基金所对应的子赎回订单，并根据生成的各个子赎回订单生成相应的主赎回订单；
    对所述用户端进行身份校验，在身份校验通过后，对所述主赎回订单进行赎回；
    在检测到所述主赎回订单赎回成功后，则将所述主赎回订单中的各个子赎回订单对应的子赎回订单号以及赎回凭证发送至所述用户端。
  17. 一种存储介质，其特征在于，所述存储介质上存储有基金组合购买程序，所述基金组合购买程序被处理器执行时实现如下步骤：
    当接收到用户端提交的组合购买请求时，根据所述组合购买请求确定所述用户端当前选择购买的待售基金；
    生成各个待售基金所对应的子交易订单，并生成各个子交易订单所对应的子支付订单；
    根据各个子支付订单，生成相应的主支付订单；
    当检测到所述主支付订单支付成功后，则将所述各个子交易订单对应的订单号，以及所述各个子支付订单对应的支付凭证发送至所述用户端。
  18. 如权利要求17所述的存储介质，其特征在于，所述存储介质还用于执行所述基金组合购买程序，以实现如下步骤：
    预先根据所述待售基金的产品信息，对所述待售基金进行组合搭配，生成基金购买组合，所述产品信息包括基金净值、基金份额、基金收益、基金持仓中的一项或多项。
  19. 如权利要求18所述的存储介质，其特征在于，所述存储介质还用于执行所述基金组合购买程序，以实现如下步骤：
    根据所述基金购买组合中各个待售基金对应的产品信息，生成所述基金购买组合对应的组合信息，并推送至所述用户端。
  20. 如权利要求17所述的存储介质，其特征在于，所述存储介质还用于执行所述基金组合购买程序，以实现如下步骤：
    检测所述主支付订单中是否存在支付失败的遗漏子支付订单；
    若所述主支付订单中存在所述遗漏子支付订单，则在接收到用户端发送的一键补单指令后，提取出所述遗漏子支付订单，并重新购买所述遗漏子支付订单所对应的待售基金。
  21. 如权利要求20所述的存储介质，其特征在于，所述存储介质还用于执行所述基金组合购买程序，以实现如下步骤：
    检测所述遗漏子支付订单所对应待售基金的产品信息是否发生变化；
    若所述产品信息已发生变化，则重新生成所述遗漏子支付订单对应的补充子交易订单，并生成所述补充子交易订单所对应的补充子支付订单。
  22. 如权利要求21所述的存储介质，其特征在于，所述存储介质还用于执行所述基金组合购买程序，以实现如下步骤：
    当检测到所述补充子支付订单支付成功后，则将所述补充子交易订单对应的订单号，以及所述补充子支付订单对应的支付凭证发送至所述用户端。
  23. 如权利要求21所述的存储介质，其特征在于，所述存储介质还用于执行所述基金组合购买程序，以实现如下步骤：
    若所述产品信息未发生变化，则将所述遗漏子支付订单发送至所述用户端，并向所述用户端发送更换支付方式的提醒消息。
  24. 如权利要求17所述的存储介质，其特征在于，所述存储介质还用于执行所述基金组合购买程序，以实现如下步骤：
    当接收到用户端提交的组合赎回请求时，根据所述组合赎回请求确定所述用户端当前选择赎回的待赎基金；
    分别生成各个待赎基金所对应的子赎回订单，并根据生成的各个子赎回订单生成相应的主赎回订单；
    对所述用户端进行身份校验，在身份校验通过后，对所述主赎回订单进行赎回；
    在检测到所述主赎回订单赎回成功后，则将所述主赎回订单中的各个子赎回订单对应的子赎回订单号以及赎回凭证发送至所述用户端。
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