CN111383112A - Data processing method, device, system, storage medium and computer equipment - Google Patents

Data processing method, device, system, storage medium and computer equipment Download PDF

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CN111383112A
CN111383112A CN202010148102.3A CN202010148102A CN111383112A CN 111383112 A CN111383112 A CN 111383112A CN 202010148102 A CN202010148102 A CN 202010148102A CN 111383112 A CN111383112 A CN 111383112A
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service platform
parameters
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parameter
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吴建国
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Tencent Technology Shenzhen Co Ltd
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Tencent Technology Shenzhen Co Ltd
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    • G06—COMPUTING; CALCULATING OR 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
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Abstract

The disclosure provides a data processing method and device, and relates to the field of computers. The method is executed by a proxy service platform and comprises the following steps: responding to a trigger operation of a user at a transaction initiation time point, and acquiring first transaction data input by the user and displayed in an interactive interface; determining second transaction data according to the first transaction data, and sending actual execution parameters in the second transaction data to the first service platform, so that the first service platform updates parameters of a first account of the user at a preset time point according to the actual execution parameters; forming transaction information according to the first transaction data and the second transaction data, and sending the transaction information to the second service platform so that the second service platform determines a parameter to be executed corresponding to the first transaction data according to the transaction information; and receiving the parameters to be executed, and updating the parameters of the first account at the transaction ending time point according to the parameters to be executed. The data processing efficiency is improved, and the fund mobility and the user experience of the product are improved.

Description

Data processing method, device, system, storage medium and computer equipment
Technical Field
The present disclosure relates to the field of computer technologies, and in particular, to a data processing method, a data processing apparatus, a data processing system, a computer storage medium, and a computer device.
Background
With the development of economy, more investment modes appear, and people can purchase products such as fund, financing and the like by using idle funds to obtain higher profits. The fund is an investment tool which collects funds dispersed in the hands of investors and entrusts professional investment institutions to manage and apply according to the principles of benefit sharing and risk sharing. The investment agency service of open fund such as fund opening, subscription, redemption and the like is provided for users through banks or fund affiliate mechanisms for affiliating fund products, so that the users can participate in capital market investment indirectly, and investment income is realized.
At present, most fund products are redeemed in non-real time, for net value fund products, a user wants to redeem purchased product shares, generally, the shares are redeemed by a T daily user, a fund company of T +1 day confirms the account amount, the fund is paid in T + n days, for users who urgently use funds, the time for redeeming the fund to account cannot be real-time, and the quick redemption capability provided by currency funds has great defects on the aspect of fund liquidity, so that the user experience is reduced.
It is to be noted that the information disclosed in the above background section is only for enhancement of understanding of the background of the present disclosure, and thus may include information that does not constitute prior art known to those of ordinary skill in the art.
Disclosure of Invention
The embodiment of the disclosure provides a data processing method, a data processing device, a computer storage medium and a computer device, so that real-time fund arrival can be ensured at least to a certain extent, the fund liquidity of a product is improved, and the user experience is further improved.
Additional features and advantages of the disclosure will be set forth in the detailed description which follows, or in part will be obvious from the description, or may be learned by practice of the disclosure.
According to an aspect of the embodiments of the present disclosure, there is provided a data processing method, performed by an agent service platform, the method including: responding to a trigger operation of a user at a transaction initiation time point, and acquiring first transaction data input by the user and displayed in an interactive interface; determining second transaction data according to the first transaction data, and sending actual execution parameters in the second transaction data to a first service platform, so that the first service platform updates parameters of a first account of the user at a preset time point according to the actual execution parameters; forming transaction information according to the first transaction data and the second transaction data, and sending the transaction information to a second service platform so that the second service platform determines a parameter to be executed corresponding to the first transaction data according to the transaction information; and receiving the to-be-executed parameters, and updating the parameters of the first account at the transaction ending time point according to the to-be-executed parameters.
According to an aspect of the embodiments of the present disclosure, there is provided a data processing apparatus disposed in a proxy service platform, the apparatus including: the data acquisition module is used for responding to the triggering operation of a user at a transaction initiation time point, and acquiring first transaction data which is input by the user and displayed in an interactive interface; the first updating module is used for determining second transaction data according to the first transaction data and sending actual execution parameters in the second transaction data to a first service platform so that the first service platform updates parameters of a first account of the user at a preset time point according to the actual execution parameters; the information sending module is used for forming transaction information according to the first transaction data and the second transaction data and sending the transaction information to a second service platform so that the second service platform can determine a parameter to be executed corresponding to the first transaction data according to the transaction information; and the second updating module is used for receiving the parameters to be executed and updating the parameters of the first account at the transaction ending time point according to the parameters to be executed.
In some embodiments of the present disclosure, based on the foregoing scheme, the first transaction data is an actual number of executions shares; the second transaction data further comprises additional execution parameters; the first update module includes: a first parameter determining unit, configured to determine the actual execution parameter according to the actual execution share number, the first conversion ratio, and the discount ratio; and the second parameter determining unit is used for determining the additional execution parameter according to the actual execution parameter, the second conversion proportion and the transaction duration.
In some embodiments of the present disclosure, based on the foregoing scheme, the transaction duration is a difference between a natural day corresponding to the preset time point and a natural day corresponding to the transaction end time point.
In some embodiments of the present disclosure, based on the foregoing, the first updating module is configured to: forming an execution request according to the actual execution parameters; and sending the execution request to the first service platform so that the first service platform updates the parameters of the first account at the preset time point according to the actual execution parameters.
In some embodiments of the present disclosure, based on the foregoing scheme, the information sending module includes: a transaction information forming unit for forming the transaction information based on the actual execution share number, the actual execution parameter, and the additional execution parameter; and the transaction information sending unit is used for sending the transaction information to the second service platform at a first transaction deadline time point after the transaction initiation time point.
In some embodiments of the present disclosure, based on the foregoing solution, the transaction information forming unit is configured to: forming first sub-transaction information in the transaction information according to the actual execution parameter, the additional execution parameter, the identification information of the user and the identification information of a second service platform; and forming second sub-transaction information in the transaction information according to the actual execution quota number, the actual execution parameter, the additional execution parameter and the identification information of the user.
In some embodiments of the present disclosure, based on the foregoing scheme, the information sending module includes: a target share determining unit, configured to determine a target share number according to the actual execution parameter, the additional execution parameter, and a third conversion ratio; the account updating unit is used for updating a second account corresponding to the user in the second service platform according to the target share number; a to-be-returned share determining unit, configured to determine, according to the actual execution share number and the target share number, a to-be-returned share number corresponding to the first transaction data; and the parameter to be executed determining unit is used for determining the parameter to be executed according to the share number to be returned and the third conversion ratio.
In some embodiments of the present disclosure, based on the foregoing solution, the account updating unit is configured to: transferring shares in the second account corresponding to the target share number to an account corresponding to the first service platform.
In some embodiments of the present disclosure, based on the foregoing, the second updating module is configured to: receiving confirmation information sent by the second service platform, wherein the confirmation information comprises first confirmation information and second confirmation information, the first confirmation information comprises the target quota number, and the second confirmation information comprises the to-be-returned quota number and the to-be-executed parameter.
In some embodiments of the present disclosure, based on the foregoing, the data processing apparatus is further configured to: at the transaction end time point, forcibly redeeming, by the second service platform, the target share number in the account corresponding to the first service platform according to the actual execution parameters and the additional execution parameters.
In some embodiments of the present disclosure, based on the foregoing, the data processing apparatus is further configured to: and forming a first trading order according to the actual execution parameters, forming a second trading order according to the amount to be returned, and displaying the first trading order and the second trading order in the interactive interface.
In some embodiments of the present disclosure, based on the foregoing, the data processing apparatus is further configured to: and updating parameters of a target account in the proxy service platform through the second service platform before updating the parameters of the first account at the transaction end time point according to the parameters to be executed.
According to an aspect of an embodiment of the present disclosure, there is provided a data processing system, including: the terminal equipment is used for responding to the triggering operation of the user at the transaction initiating time point, and receiving and displaying first transaction data input by the user in the interactive interface; the agent service platform is connected with the terminal equipment and used for receiving first transaction data sent by the terminal equipment, determining second transaction data according to the first transaction data and forming transaction information according to the first transaction data and the second transaction data, wherein the second transaction data comprise the actual execution parameters; the first service platform is connected with the proxy service platform and used for responding to an execution request which is sent by the proxy service platform and formed according to the actual execution parameters and updating the parameters of the first account of the user according to the actual execution parameters at a preset time point; and the second service platform is connected with the agent service platform and the first service platform and used for determining a parameter to be executed corresponding to the first transaction data according to the transaction information and sending the parameter to be executed to the agent service platform so that the agent service platform updates the parameter of the first account according to the parameter to be executed at the transaction end time point.
According to an aspect of the embodiments of the present disclosure, there is provided a computer-readable storage medium on which a computer program is stored, the program, when executed by a processor, implementing the data processing method according to the embodiments described above.
According to an aspect of an embodiment of the present disclosure, there is provided a computer device including one or more processors; a storage device for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to perform the data processing method as described in the above embodiments.
In the technical scheme provided by the embodiment of the disclosure, first transaction data input by a user and displayed in an interactive interface is obtained; then determining second transaction data according to the first transaction data, wherein the second transaction data comprises actual execution parameters; then, updating parameters of a first account of the user through a first service platform at a preset time point according to actual execution parameters; and finally, updating the parameters of the first account of the user at the transaction end time point according to the parameters to be executed returned by the second service platform. The technical scheme disclosed by the invention can determine the actual execution parameters and the parameters to be executed according to the first transaction data input by the user, update the parameters of the user account at the preset time point according to the actual execution parameters, and update the parameters of the user account at the transaction ending time point according to the parameters to be executed, so that most of funds which the user wants to redeem are ensured to be paid out in real time, the fund liquidity of the product is improved, the user experience is further improved, and in addition, the data processing efficiency can be improved by carrying out data processing through different service platforms.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and together with the description, serve to explain the principles of the disclosure. It is to be understood that the drawings in the following description are merely exemplary of the disclosure, and that other drawings may be derived from those drawings by one of ordinary skill in the art without the exercise of inventive faculty. In the drawings:
FIG. 1 depicts an architectural diagram of a data processing system to which one embodiment of the present disclosure is applied;
FIG. 2 schematically shows a flow diagram of a data processing method according to an embodiment of the present disclosure;
3A-3B illustrate an interface schematic of a user conducting product redemption of an embodiment of the present disclosure;
FIG. 4 schematically illustrates an interface diagram for a reminder message according to one embodiment of the present disclosure;
FIG. 5 schematically shows a flow diagram for determining second transaction data according to an embodiment of the present disclosure;
FIG. 6 schematically shows a flow diagram for determining a parameter to be performed according to an embodiment of the present disclosure;
FIG. 7 schematically illustrates an interface diagram for a trade order according to one embodiment of the present disclosure;
FIG. 8 schematically shows an interaction flow diagram of a data processing method according to an embodiment of the present disclosure;
FIG. 9 schematically shows a block diagram of a data processing apparatus according to an embodiment of the present disclosure;
FIG. 10 illustrates a schematic structural diagram of a computer system suitable for use with the computer device used to implement the embodiments of the present disclosure.
Detailed Description
Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art.
Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to give a thorough understanding of embodiments of the disclosure. One skilled in the relevant art will recognize, however, that the subject matter of the present disclosure can be practiced without one or more of the specific details, or with other methods, components, devices, steps, and so forth. In other instances, well-known methods, devices, implementations, or operations have not been shown or described in detail to avoid obscuring aspects of the disclosure.
The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.
The flow charts shown in the drawings are merely illustrative and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.
Fig. 1 shows a schematic diagram of an exemplary system architecture to which the technical solutions of the embodiments of the present disclosure may be applied.
As shown in fig. 1, the system architecture 100 may include a terminal device 101, a proxy service platform 102, a first service platform 103, and a second service platform 104, where the terminal device 101 is a terminal device used by a user, such as a smart phone, a tablet computer, a desktop computer, and the like; the agent service platform 102 mainly refers to a server at one end of a product affiliation mechanism; the first service platform 103 mainly points to a server at the institution end where the user account pays the funds; the second service platform 104 mainly refers to a server at the product issuer side. Specifically, the terminal device 101 is configured to respond to a trigger operation of a user at a transaction initiation time point, receive and display first transaction data input by the user in an interactive interface, and simultaneously display a transaction order formed according to an actual execution parameter and a parameter to be executed in the interactive interface; the agent service platform 102 is connected with the terminal device 101 and is used for receiving first transaction data sent by the terminal device 101, determining second transaction data according to the first transaction data, and forming transaction information according to the first transaction data and the second transaction data, wherein the second transaction data comprises actual execution parameters; the first service platform 103 is connected with the proxy service platform 102 and used for responding to an execution request which is sent by the proxy service platform 102 and formed according to actual execution parameters and updating parameters of a first account of a user according to the actual execution parameters at a preset time point; and the second service platform 104 is connected with the agent service platform 102 and the first service platform 103, and is configured to determine a parameter to be executed corresponding to the first transaction data according to the transaction information, and send the parameter to be executed to the agent service platform 102, so that the agent service platform 102 updates the parameter of the first account according to the parameter to be executed at the transaction end time point.
It should be noted that the agent service platform 102 and the first service platform 103 may be different service platforms, or may be the same service platform, such as a bank signing an affiliation agreement with a fund company, which can both affiliate a fund product and fund the fund required by the user.
It should be understood that the numbers of the terminal device 101, the proxy service platform 102, the first service platform 103, and the second service platform 104 in fig. 1 are merely illustrative. There may be any number of terminal devices 101, proxy service platforms 102, first service platforms 103, and second service platforms 104, according to actual needs. For example, each service platform may be a server cluster composed of a plurality of servers.
In one embodiment of the present disclosure, the terminal device 101 receives first transaction data input by a user in response to a trigger operation initiated by the user at a transaction initiation time point, and displays the first transaction data in an interactive interface; the terminal device 101 then sends the first transaction data to the agent service platform 102, the agent service platform 102 can determine second transaction data according to the first transaction data, the second transaction data comprises an actual execution parameter and an additional execution parameter, the first transaction data may specifically be an actual execution quantum number, which, correspondingly, the actual execution parameter is the amount of funds returned to the user in real time determined according to the actual execution share number, the first conversion ratio and the discount ratio, the additional execution parameter is the amount of the service fee which needs to be paid to the second service platform by the user and is determined according to the actual execution parameter, the second conversion proportion and the transaction duration, specifically, the first conversion proportion can be a net value corresponding to the transaction initiation time point, the second conversion proportion can be a daily fee, and the transaction duration is the difference value between a natural day corresponding to the transaction ending time point and a natural day corresponding to a preset time point; after the second transaction data is determined, an execution request may be formed according to the actual execution parameters and sent to the first service platform 103, so that the first service platform 103 modifies the parameters of the user account according to the actual execution parameters; further, the agent service platform may also form transaction information according to the first transaction data and the second transaction data, and send the transaction information to the second service platform 104, so that the second service platform 104 determines a parameter to be executed corresponding to the first transaction information according to the transaction information, and the second service platform 104 may send the parameter to be executed to the agent service platform 102, so that the agent service platform 102 updates the parameter of the user account according to the parameter to be executed at the transaction end time point. That is, funds corresponding to the first transaction data that the user applies for redemption are divided into two parts: the actual execution parameter is the amount of funds returned to the user in real time, and the to-be-executed parameter is the amount of funds returned to the user at the transaction end time point, namely the redemption fund account date. The data processing method disclosed by the invention can improve the fund liquidity of the product, can return most of funds to the user in real time when the user urgently needs the funds, and can return the remaining small part of funds to the user on the account date after the funds are redeemed, so that the user experience is improved, the interest of the user in the product can be improved, and the purchase quantity of the product is further improved; in addition, the data processing method disclosed by the invention respectively calculates the actual execution parameters and the parameters to be executed through the proxy service platform and the second service platform, so that the data processing amount of each service platform is reduced, and the data processing efficiency is improved.
In the related art, in the case of a net-value product, when a user redeems some or all of the held net-value product, usually a T-day user redeems the share, a T + 1-day product issuing company, such as a fund company, confirms the account amount, and then transfers funds to the user account (n >0) on T + n days, the difference between the account date and the product redemption date is n days, that is, the time of the user redeeming the product share, the funds cannot be transferred in real time, and there is a large deficiency in the mobility of the funds compared with the fast-redemption capability provided by the currency fund. For users who need funds urgently, the user experience is quite poor, and the intention of the user to apply for the products can be even influenced.
In view of the problems in the related art, the present disclosure proposes a data processing method that can be used for processing a net-worth product quick-redemption application, and details of implementation of the data processing method of the embodiment of the present invention are set forth below by way of example of processing a redemption application for a net-worth fund product:
the disclosed embodiments provide a data processing method, which is executed by a computer device, including but not limited to a server or a terminal. The data processing method may be performed by the proxy service platform 102 shown in fig. 1. Fig. 2 schematically shows a flow chart of a data processing method according to an embodiment of the present disclosure, which, as shown with reference to fig. 2, includes at least steps S210 to S240, and is described in detail as follows:
in step S210, in response to a trigger operation of a user at a transaction initiation time point, first transaction data input by the user and displayed in an interactive interface is acquired.
In an embodiment of the present disclosure, a user may open an account and purchase a share of a fund product through a sales agency or a bank having a sales agency agreement with a fund company, where the sales agency or the bank having the sales agency agreement with the fund company is equivalent to an agent service platform in a data processing system, on which the user may perform operations such as purchase and redemption, and then the agent service platform interfaces with the fund company to obtain funds corresponding to the share of the user purchased or the share that the user wants to redeem, and the fund company is a second service platform in the data processing system of the present disclosure. When making a purchase, the user makes a purchase contract with the fund company, and details such as product purchase, redemption, etc. are specified in the contract. The redemption time is different for different types of products, some products can be redeemed on each open day, some products can be redeemed on the due date of the products, and some products can also be applied for redemption at any time. For clarity, the disclosure will be described with the redemption at the first open day after the product purchase date.
In an embodiment of the present disclosure, for example, after the user purchases a net fund product through the agency service platform in 1 month and 1 day of 2020, and after the user submits a request for proposal, the fund company converts the fund for proposal and the net value of the day of the user to determine the share of proposal of the user, for example, if the fund for proposal of the user is 20000 yuan, and the net value of the day of the user is 0.80 yuan, then it can be determined that the user can obtain 25000 shares of the product. Due to the urgent need of fund turnover, when a user wants to redeem 10000 shares of products in the first open day of 2020 and 3/1/year, the user can log in a client of the agent service platform in the terminal device to perform redemption operation. 3A-3B show the interface schematic diagram of the product redemption of the user, when the user logs in the client of the agent service platform and clicks to enter the purchased product page, the details of all the purchased products are displayed in the interactive interface, the details page of the product can be entered by clicking one of the products, the information of the product name, the share, the latest net value and the like are displayed in the interface, and the keys of 'repurchase' and 'quick fetch' are arranged below the interactive interface, as shown in FIG. 3A; after the user clicks the 'quick taking out' key, a form is displayed in the interactive interface, the user can fill the share number to be taken out in the form and select a taking out mode, the taking out mode can specifically comprise 'ordinary taking out to balance', 'ordinary taking out to an appointed bank card' and 'paying and caching to the appointed bank card', as shown in fig. 3B, wherein 'paying and caching to the appointed bank card' means that the user can obtain funds in real time by paying corresponding commission fees without waiting for too long time; after the user fills out the amount of the share to be redeemed and selects a proper taking mode, the user clicks a 'taking' button below the interactive interface to send the redemption request to the agent service platform. In this flow, a time point corresponding to an operation of clicking the "take out" button by the user is a transaction initiation time point, for example, 3/1/10 am/00 in 2020, and the amount to be redeemed filled by the user is the first transaction data, that is, the first transaction data is the actual execution amount to be processed by the data processing system.
In one embodiment of the disclosure, if the user urgently needs funds, the user inevitably selects a payment cache to ensure that the funds are paid in real time, and after the user selects the payment cache, the agent service platform can determine the amount of the funds which can be returned to the user in real time and the amount of the service fee which needs to be paid by the user according to the first transaction data and send related information to the terminal equipment of the user so as to display the amount of the funds and the amount of the service fee corresponding to the amount which is required to be redeemed by the user in an interactive interface of the terminal equipment. The service fee amount may be a rough value determined according to the previous calculation rules and parameters, or an accurate value determined according to the service fee rate of the bank, but since the net value of each natural daily product is changed and the daily service fee of the bank may also be changed, the service fee amount in the interactive interface is preferably a rough value, such as the maximum service fee amount, so that on one hand, the user can be prompted how much handling fee is needed to be paid presumably, and on the other hand, the user is not caused to be in a negative mood because the final payment of the handling fee exceeds the expectation.
Further, after the user clicks the "take out" button in the interface of fig. 3A-3B, a prompt message may be displayed in the interactive interface, as shown in fig. 4, a prompt message "your quick take out application is submitted, please pay attention to your account dynamics in time" is displayed in the interactive interface.
In step S220, second transaction data is determined according to the first transaction data, and an actual execution parameter in the second transaction data is sent to a first service platform, so that the first service platform updates a parameter of the first account of the user at a preset time point according to the actual execution parameter.
In an embodiment of the disclosure, after receiving first transaction information sent by a terminal device, an agent service platform may determine second transaction information according to the first transaction information, where the second transaction information is specifically an actual execution parameter and an additional execution parameter determined according to the first transaction information, the actual execution parameter is an amount of funds returned to a user in real time, and the additional execution parameter is a service fee that the user needs to pay to the first service platform. The method comprises the steps that when a user redeems actual execution shares, a second service platform cannot carry out real-time clearing and account entry, and therefore funds cannot be transferred to a user account in real time, in order to transfer the funds to the user account in real time, the second service platform needs to sign an agreement with a first service platform, funds are paid to the user account through the first service platform, then corresponding shares and users are deducted from the shares of the user to the first service platform according to actual execution parameters and additional execution parameters during clearing, and after clearing is finished, the shares of the users to the first service platform are forcibly redeemed according to the actual execution parameters and the additional execution parameters, namely the funds paid by the first service platform and the service fee charged.
In one embodiment of the disclosure, when determining the second transaction information according to the first transaction information, first information such as the first conversion ratio, the second conversion ratio, the discount ratio, the transaction duration, and the like may be obtained, and then the second transaction information may be obtained by performing calculation according to the first transaction information and the information. Fig. 5 shows a schematic flow chart of determining the second transaction data, as shown in fig. 5, the flow chart at least comprises steps S501-S502, specifically:
in step S501, an actual execution parameter is determined according to the actual execution share number, the first conversion ratio, and the discount ratio.
In one embodiment of the disclosure, the first conversion ratio is a net value of a previous natural day adjacent to the transaction initiation time point, the discount ratio is a ratio set by the second service platform according to a statistic value of net value drop, and the first service platform is guaranteed to be capable of recovering the investment funds and the service fee even if the net value drops by discounting the user assets according to the discount ratio. After determining the first conversion ratio and the discount ratio, a calculation may be performed according to equation (1) to obtain the actual execution parameter, i.e., the amount of money to be funded by the first service platform. The formula (1) is specifically shown below:
X＝M×P1×R (1)
wherein X is the actual execution parameter, M is the actual execution quota, P1R is the discount rate.
In one embodiment of the disclosure, since the discount rate is introduced when the actual execution parameter is calculated according to the first transaction data, the amount corresponding to the actual execution parameter is not all the amount corresponding to the first transaction data, but most of the amount, that is, the fund that the user applies for redemption is divided into two parts to be transferred into the user account, most of the fund is paid in real time, and a small part of the fund is paid after the fund company finishes clearing.
In step S502, additional execution parameters are determined according to the actual execution parameters, the second conversion ratio, and the transaction duration.
In an embodiment of the present disclosure, the second conversion ratio is a service fee rate of the first service platform, which may be a daily service fee rate, for example, ten thousand dollars per day. The transaction duration is the difference between the natural day corresponding to the time point when the first service platform transfers funds to the user account and the natural day corresponding to the transaction end time point, for example, the user makes a redemption request at 10:00 am at 3/1/2020, the banker bank transfers funds to the user account at 10:05, and the normal redeemed funds account duration is 24 at 3/2020: 00, then the transaction duration may be determined to be 2 days. It should be noted that, if there is a service charge rate of other charging units, such as an hour, the time difference between the time point when the first service platform transfers funds to the user account and the transaction ending time point may also be directly used for calculation, for example, when the service charge rate is calculated in hours, the transaction duration corresponding to the above example is about 61.917 hours.
After obtaining the actual execution parameter and the second conversion ratio, a calculation may be performed according to equation (2) to obtain an additional execution parameter, where equation (2) is specifically as follows:
Y＝X×P2×(T2-T1) (2)
wherein Y is an additional execution parameter, P2For daily service charge, T1Natural day, T, corresponding to the point in time when funds are transferred to the user's account2The natural day corresponding to the transaction end time point.
In an embodiment of the disclosure, after the second transaction data is determined, an execution request may be formed according to the actual execution parameters, and the execution request is sent to the first service platform, so that the first service platform performs parameter update on the first account of the user according to the actual execution parameters at a preset time point, and a large part of funds applied for redemption by the user is transferred to the user account in real time. In order to improve the fund liquidity of the product and improve the user experience of the user on the product, the first service platform needs to transfer the fund to the first account of the user in real time after receiving the execution request, that is, the preset time point is close to the transaction initiation time point, for example, the difference between the preset time point and the transaction initiation time point is not more than 5 minutes, 10 minutes, and the like.
In one embodiment of the disclosure, after determining the actual execution parameter and the additional execution parameter, and before sending the execution request to the first service platform, a redemption order of the user may be formed according to the actual execution parameter and the additional execution parameter, and the redemption order is sent to the terminal device of the user, and the terminal device may display the actual execution parameter and the additional execution parameter in the interactive interface to prompt the user for the amount of funds available in real time by paying cache and the amount of service fee to be paid.
In step S230, transaction information is formed according to the first transaction data and the second transaction data, and the transaction information is sent to a second service platform, so that the second service platform determines a parameter to be executed corresponding to the first transaction data according to the transaction information.
In one embodiment of the present disclosure, after determining the actual execution parameter and the additional execution parameter according to the first transaction data, transaction information may be formed based on the actual execution share number, the actual execution parameter and the additional execution parameter, the transaction information includes first sub-transaction information and second sub-transaction information, specifically, the first sub-transaction information may be formed according to the actual execution parameter, the additional execution parameter, the identification information of the user and the identification information of the second service platform, the second sub-transaction information may be formed according to the actual execution share number, the actual execution parameter, the additional execution parameter and the identification information of the user, wherein the first sub-transaction information may be regarded as a non-transaction over-account order, i.e., over-account the X + Y-dollar funds of the user to the first service platform, and the second sub-transaction information may be regarded as a redemption order of the user, which includes M redeeming shares, the account amount is X + Y yuan.
In an embodiment of the present disclosure, after the transaction information is formed, the transaction information may be sent to the second service platform at a first transaction deadline time after the transaction initiation time, for example, when the fund transaction time is 9:00-15:00 per working day, then the transaction deadline time is 15:00 per day, and continuing to take the example of 10:00 per 1/3/2020 as the transaction initiation time in the above embodiment, the first transaction deadline time after the transaction initiation time is 15:00 per 1/3/2020 as the transaction initiation time in 2020. It is worth mentioning that the redemption applications initiated by the user between 9:00 and 15:00 on the same day are all traded on the same day and reported to the second service platform 15:00 later on the same day; redemption applications initiated by the user between the current day 15:00 and the next day 9:00 are all traded the next day and reported to the second service platform 15:00 later. If the next day is a non-working day, such as a legal holiday, the next working day is followed.
In an embodiment of the present disclosure, after receiving the transaction information uploaded by the agent service platform, the second service platform may determine a parameter to be executed according to the transaction information, specifically, as shown in fig. 6, a flowchart of determining the parameter to be executed is shown in fig. 6, and as shown in fig. 6, in step S601, the target share number is determined according to the actual execution parameter, the additional execution parameter, and the third conversion ratio; in step S602, updating a second account corresponding to the user in a second service platform according to the target share number; in step S603, determining the amount to be returned corresponding to the first transaction data according to the actual execution amount and the target amount; in step S604, a parameter to be executed is determined according to the number of shares to be returned and the third conversion ratio.
In steps S601-S602, the third conversion ratio is a net value of the day obtained after the transaction deadline, and after the third conversion ratio is obtained, the target share number may be calculated according to formula (3), where formula (3) is specifically as follows:
N＝(X+Y)/P3(3)
wherein N is the target quota, P3Is the third conversion ratio.
The first service platform transfers funds to a user account according to the actual execution parameters, and the additional execution parameters are service fee amount required to be charged by the first service platform, so that the second service platform needs to transfer the funds corresponding to the actual execution parameters and the additional execution parameters to the first service platform, specifically, the second service platform firstly determines a target share number according to the actual execution parameters, the additional execution parameters and a net value of the day, and then transfers the share of the target share number from an account set in the second service platform by the user to the account corresponding to the first service platform; and finally, the shares are redeemed according to the actual execution parameters and the additional execution parameters.
In steps S603-S604, due to the effect of the discount ratio, the actual execution parameter is smaller than the amount corresponding to the actual execution share number, that is, the user does not obtain all funds corresponding to the actual execution share number, so that the second service platform needs to clear funds that are not returned to the user when clearing according to the transaction information. The second service platform firstly deducts the target share number from the actual execution share number to determine the amount to be returned, namely the share number which the user wants to redeem but is not returned to the user, and then determines the amount to be returned Z, namely the parameter to be executed, which needs to be replenished to the user according to the amount to be returned and the net value of the day.
In an embodiment of the disclosure, after determining the target share number, the to-be-returned share number, and the to-be-executed parameter, the second service platform may form confirmation information according to the target share number, the to-be-returned share number, and the to-be-executed parameter, and send the confirmation information to the agent service platform. The confirmation information can be understood as the update information formed after the second service platform clears the transaction information, and the non-transaction past account information, the share information which is not returned to the user and the corresponding fund information to be returned can be obtained according to the confirmation information.
In step S240, the to-be-executed parameter is received, and the parameter of the first account is updated at the transaction ending time point according to the to-be-executed parameter.
In an embodiment of the disclosure, after receiving the confirmation information sent by the second service platform, the agent service platform may update the actual execution parameter additional execution parameter in the first sub-transaction information according to the target share number, and confirm the fund transfer information as share transfer information; and updating the actual execution share number, the actual execution parameter and the additional execution parameter in the second sub-transaction information according to the to-be-returned share number and the to-be-executed parameter, confirming M shares which are actually redeemed by the user as M-N shares, confirming the account amount X + Y element as Z element, and indicating that the Z element needs to be transferred to the user account.
In one embodiment of the disclosure, since the second service platform cannot obtain the redeemed funds in real time after determining the target share number and the to-be-executed parameters according to the transaction information, and transfers the funds into the first account of the user or the fund account of the first service platform, the funds which are not returned to the user and the funds which need to be paid to the first service platform can be transferred into the corresponding account only after the transaction completion time point. In embodiments of the present disclosure, the transaction completion time point refers primarily to the time point at which the second service platform completes clearing and redeems funds to account. And at the transaction completion time point, the second service platform performs forced redemption on the target share number in the account corresponding to the first service platform according to the actual execution parameters and the additional execution parameters on one hand, and transfers funds of corresponding amount to the fund account of the agent service platform according to the to-be-executed parameters on the other hand. After receiving the fund transferred by the second service platform, the agent service platform can update the parameters of the first account of the user according to the parameters to be executed, so that the redemption corresponding to the actual execution share number is completed. In the embodiment of the disclosure, the agent service platform determines second transaction information containing an actual execution parameter and an additional execution parameter according to the first transaction information, the first service platform updates user account parameters in real time according to the actual execution parameter, and the second service platform determines parameters to be executed according to the first transaction information and the second transaction information, so that the agent service platform updates the user account parameters according to the parameters to be executed, and performs data processing cooperatively through different service platforms, thereby improving the data processing efficiency, ensuring that money can be returned in real time after receiving a redemption request of a user, and improving user experience.
In one embodiment of the present disclosure, a first transaction order may be formed according to the actual execution parameters, a second transaction order may be formed according to the amount to be returned, and the first transaction order and the second transaction order may be displayed in the interactive interface of the terminal device simultaneously or non-simultaneously to enable the user to know the order details. Fig. 7 shows an interface schematic diagram of a trade order, as shown in fig. 7, in the interactive interface, a first trade order 701 and a second trade order 702 are displayed simultaneously, in the first trade order 701, actual execution parameters, namely funds returned to the user in real time and possible account time of the funds are displayed, and in the second trade order 702, the amount to be returned and the account time of the funds are displayed. Although the account time of the second transaction order 702 is the normal funds account date, it corresponds to the same redemption request as the first transaction order 701, so that when the user initiates a redemption request, the order is fixed and accordingly shares or funds are deducted from the agent service platform. In connection with fig. 4, after clicking the "view order" button in the interactive interface of fig. 4, the user may directly jump to the interface of the trade order shown in fig. 7, and of course, the user may click an order query button in the platform homepage to obtain the interface of the trade order shown in fig. 7.
In one embodiment of the disclosure, the user wants to redeem the fund share, the second service platform is to oversubscribe the user's partial fund share to the first service platform, and the implementation of these operations is dependent on the TA system in the second service platform. The TA system is an important component of the fund transaction management system, covers all links of fund transaction business, and comprises account business processing, such as account opening, account data modification, loss reporting/hanging releasing and the like of an investor; daily transaction business processes such as subscription, subscription (general subscription and periodic quota), redemption (general redemption, designated redemption, reserved redemption, etc.), escrow, fund conversion, etc.; special business processing, such as non-transaction passing of a house, account freezing/unfreezing and the like; dividend business processes such as cash dividend and dividend re-investment; meanwhile, the TA system also undertakes the whole fund transaction system management and maintenance, such as post management, teller management, fund information management, notice information management, sales network management, system maintenance log management, query statistical functions and the like.
In one embodiment of the present disclosure, the agent service platform may specifically be an affiliate system, the first service platform may specifically be a banker bank system, fig. 8 shows an interaction flow diagram of a data processing method, as shown in fig. 8, in step S801, a user sends a redemption request to the affiliate system at a transaction initiation time point; the redemption request includes the user's identification information, the bank card account to which the user is fast redeemed, and the redemption share. In step S802, upon receiving the redemption request, the affiliate system calculates a first redemption amount based on the redemption share; the calculation of the first redemption amount is based on the net worth and discount rate on the previous work day adjacent to the current point in time. In step S803, the service fee amount is determined in accordance with the first redemption amount; the service charge amount is calculated based on the first redemption amount, the service charge rate of the funding bank, and the funding duration. In step S804, a redemption order is generated based on the redemption share, the first redemption amount and the service fee rate, while a non-transacted order is generated based on the first redemption amount and the service fee rate. In step S805, the redemption order is sent to the user' S terminal device for display in the interactive interface. In step S806, the affiliate system sends a payment instrument request to the funding bank system based on the first redemption amount. In step S807, the funding bank system transfers the first redemption amount to the user' S bank card account in response to the funding request and returns transfer success information to the affiliate system. At the end point of the current day' S transaction, the brokerage system reports the redemption orders and non-transacted past-the-house orders to the fund company TA system in step S808. In step S809, the TA system calculates a corresponding share amount according to the first redemption amount, the service charge amount and the net value of the day in the non-transacted order, and transfers the corresponding share amount from the user' S fund account to the fund account of the funding bank. In step S810, the TA system calculates the remaining share in the user' S fund account and calculates the amount to be returned based on the net value on the day. In step S811, the share in the funding account of the banker is forcibly redeemed with the sum of the first redemption amount and the service charge amount. In step S812, the TA system forms confirmation information according to the remaining share in the user fund account, the amount to be returned and the amount of the overarching fund to the funding bank, and sends the confirmation information to the affiliate system, confirms the amount of the redeemed order as the remaining share, confirms the account fund as the amount to be returned, and confirms the amount of the non-transacted overarching order as the overarching share. In step S813, on the redemption of the funds to account date, the fund company transfers funds of the sum of the first redemption amount and the service charge amount to the funding bank, and simultaneously transfers funds of the amount to be redeemed to the affiliate. In step S814, the affiliate transfers the received amount of funds to be returned to the user' S bank card account.
In the data processing method disclosed by the invention, two transaction orders can be formed according to the first transaction data input by a user, namely the actual execution share number, one is a real-time transaction order, the user can immediately receive most redeemed funds after the user submits a redemption application, and the other is a non-real-time transaction order, the user can receive the remaining redeemed funds at the transaction completion time point, compared with the prior art that the funds of a fund company can be obtained only after the fund of the fund company arrives at the account date, the technical scheme of the embodiment of the disclosure can improve the rate of fund reaching the account, enhance the fund liquidity of fund products, improve the user experience, and further enhance the intention of the user for subscribing and purchasing the products, meanwhile, the data processing method disclosed by the invention respectively calculates the actual execution parameters and the parameters to be executed through the agency service platform and the second service platform, and reduces the data processing amount of each service platform, the data processing efficiency is improved. In addition, when two transaction orders are formed, after a user inputs a share to be redeemed, the real-time account amount and the number of shares to be redeemed are determined according to the share, so that the user can clearly determine the amount which can be redeemed in real time and the number of shares which can be redeemed at the transaction deadline point, namely, the transaction mode in the embodiment of the disclosure is money redemption, and the share confirmation is different from the existing transaction mode of money-based account redemption, so that the transaction is more transparent, the user can know the account progress of funds, and the user experience is further improved.
The data processing method in the embodiment of the disclosure can also be applied to the scenes of processing of the net-worth type financing product redemption application and the like. Similar to the redemption process of net value type fund products, a user initiates a request for redeeming part or all of the shares of financing products before the fund is redeemed to account, the fund amount capable of being returned to the user in real time is determined by a purchasing institution according to the redeeming shares, the net value and the discount ratio corresponding to the current time point, the service fee required to be paid by the user is determined according to the fund amount, the service fee rate of a banker bank and the transaction duration, the fund amount is transferred to a user account in real time through the banker bank, and a redeemed order and a non-transacted order formed according to the fund amount and the service fee amount returned to the user are reported to a product issuer, such as a bank, a security company and the like at the end of day; the product issuer determines the share of the excess amount to the backing bank from the user's financial account according to the redeeming order and the non-transaction excess order, determines the unreturned share and the corresponding fund amount in the redeeming share of the user, then forms the confirmation information according to the share, unreturned share and the corresponding fund amount of the excess amount to the backing bank, and sends the confirmation information to the agency; and finally, on the fund redemption account date, the product issuer enforcedly redeems the portion of the past account to the banker according to the fund amount paid by the banker and the collected service fee amount, and transfers the fund amount corresponding to the unreturned portion to the canceling agency so that the canceling agency transfers the fund amount to the user account. Wherein the bedding bank and the product issuer may be the same bank, or the bedding bank and the affiliate may be the same organization.
The following describes embodiments of the apparatus of the present disclosure, which may be used to perform the data processing method in the above embodiments of the present disclosure. For details that are not disclosed in the embodiments of the apparatus of the present disclosure, please refer to the data processing method described above in the present disclosure.
Fig. 9 schematically shows a block diagram of a data processing apparatus, which may be a computer program (comprising program code) running in a computer device, e.g. an application software, according to an embodiment of the present disclosure; the apparatus may be used to perform the corresponding steps in the methods provided by the embodiments of the present application. .
Referring to fig. 9, a data processing apparatus 900 according to an embodiment of the present disclosure, the data processing apparatus 900 being provided in a proxy service platform, includes: a data acquisition module 901, a first updating module 902, an information sending module 903 and a second updating module 904.
Specifically, the data obtaining module 901 is configured to, in response to a trigger operation of a user at a transaction initiation time point, obtain first transaction data that is input by the user and displayed in an interactive interface; a first updating module 902, configured to determine second transaction data according to the first transaction data, and send an actual execution parameter in the second transaction data to a first service platform, so that the first service platform performs parameter updating on a first account of the user at a preset time point according to the actual execution parameter; an information sending module 903, configured to form transaction information according to the first transaction data and the second transaction data, and send the transaction information to a second service platform, so that the second service platform determines, according to the transaction information, a parameter to be executed corresponding to the first transaction data; a second updating module 904, configured to receive the parameter to be executed, and update the parameter of the first account at the transaction ending point in time according to the parameter to be executed.
In one embodiment of the present disclosure, the first transaction data is an actual number of executions shares; the second transaction data further comprises additional execution parameters; the first update module 902 includes: a first parameter determining unit, configured to determine the actual execution parameter according to the actual execution share number, the first conversion ratio, and the discount ratio; and the second parameter determining unit is used for determining the additional execution parameter according to the actual execution parameter, the second conversion proportion and the transaction duration.
In an embodiment of the present disclosure, the transaction duration is a difference between a natural day corresponding to the preset time point and a natural day corresponding to the transaction end time point.
In one embodiment of the present disclosure, the first update module 902 is configured to: forming an execution request according to the actual execution parameters; and sending the execution request to the first service platform so that the first service platform updates the parameters of the first account at the preset time point according to the actual execution parameters.
In one embodiment of the present disclosure, the information sending module 903 includes: a transaction information forming unit for forming the transaction information based on the actual execution share number, the actual execution parameter, and the additional execution parameter; and the transaction information sending unit is used for sending the transaction information to the second service platform at a first transaction deadline time point after the transaction initiation time point.
In one embodiment of the present disclosure, the transaction information forming unit is configured to: forming first sub-transaction information in the transaction information according to the actual execution parameter, the additional execution parameter, the identification information of the user and the identification information of a second service platform; and forming second sub-transaction information in the transaction information according to the actual execution quota number, the actual execution parameter, the additional execution parameter and the identification information of the user.
In one embodiment of the present disclosure, the information sending module 903 includes: a target share determining unit, configured to determine a target share number according to the actual execution parameter, the additional execution parameter, and a third conversion ratio; the account updating unit is used for updating a second account corresponding to the user in the second service platform according to the target share number; a to-be-returned share determining unit, configured to determine, according to the actual execution share number and the target share number, a to-be-returned share number corresponding to the first transaction data; and the parameter to be executed determining unit is used for determining the parameter to be executed according to the share number to be returned and the third conversion ratio.
In one embodiment of the present disclosure, the account updating unit is configured to: transferring shares in the second account corresponding to the target share number to an account corresponding to the second service platform.
In one embodiment of the present disclosure, the second update module 904 is configured to: receiving confirmation information sent by the second service platform, wherein the confirmation information comprises first confirmation information and second confirmation information, the first confirmation information comprises the target quota number, and the second confirmation information comprises the to-be-returned quota number and the to-be-executed parameter.
In one embodiment of the present disclosure, the data processing apparatus 900 is further configured to: at the transaction end time point, forcibly redeeming, by the second service platform, the target share number in the account corresponding to the first service platform according to the actual execution parameters and the additional execution parameters.
In one embodiment of the present disclosure, the data processing apparatus 900 is further configured to: and forming a first trading order according to the actual execution parameters, forming a second trading order according to the amount to be returned, and displaying the first trading order and the second trading order in the interactive interface.
In one embodiment of the present disclosure, the data processing apparatus 900 is further configured to: and updating parameters of a target account in the proxy service platform through the second service platform before updating the parameters of the first account at the transaction end time point according to the parameters to be executed.
FIG. 10 illustrates a schematic structural diagram of a computer system suitable for use with the computer device used to implement the embodiments of the present disclosure.
It should be noted that the computer system 1000 of the computer device shown in fig. 10 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present disclosure.
As shown in fig. 10, the computer system 1000 includes a Central Processing Unit (CPU)1001 that can perform various appropriate actions and processes according to a program stored in a Read-Only Memory (ROM) 1002 or a program loaded from a storage portion 1008 into a Random Access Memory (RAM) 1003, implementing the data Processing method described in the above-described embodiments. In the RAM1003, various programs and data necessary for system operation are also stored. The CPU 1001, ROM 1002, and RAM1003 are connected to each other via a bus 1004. An Input/Output (I/O) interface 1005 is also connected to the bus 1004.
The following components are connected to the I/O interface 1005: an input section 1006 including a keyboard, a mouse, and the like; an output section 1007 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and a speaker; a storage portion 1008 including a hard disk and the like; and a communication section 1009 including a network interface card such as a LAN (Local area network) card, a modem, or the like. The communication section 1009 performs communication processing via a network such as the internet. The driver 1010 is also connected to the I/O interface 1005 as necessary. A removable medium 1011 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 1010 as necessary, so that a computer program read out therefrom is mounted into the storage section 1008 as necessary.
In particular, the processes described below with reference to the flowcharts may be implemented as computer software programs, according to embodiments of the present disclosure. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication part 1009 and/or installed from the removable medium 1011. When the computer program is executed by a Central Processing Unit (CPU)1001, various functions defined in the system of the present disclosure are executed. By way of example, the computer program can be deployed to be executed on one computing device or on multiple computing devices at one site or distributed across multiple sites and interconnected by a communication network, which can comprise a block chain system.
It should be noted that the computer readable medium shown in the embodiments of the present disclosure may be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a Read-Only Memory (ROM), an Erasable Programmable Read-Only Memory (EPROM), a flash Memory, an optical fiber, a portable Compact Disc Read-Only Memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In contrast, in the present disclosure, a computer-readable signal medium may include a propagated data signal with computer-readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units described in the embodiments of the present disclosure may be implemented by software, or may be implemented by hardware, and the described units may also be disposed in a processor. Wherein the names of the elements do not in some way constitute a limitation on the elements themselves.
As another aspect, the present disclosure also provides a computer-readable medium that may be contained in the data processing apparatus described in the above embodiments; or may exist separately and not be incorporated into the computer device. The computer readable medium carries one or more programs which, when executed by a computing device, cause the computing device to perform the method described in the embodiments.
It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the present disclosure. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiments of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which may be a personal computer, a server, a touch terminal, or a network device, etc.) to execute the method according to the embodiments of the present disclosure.
Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This disclosure is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains.
It will be understood that the present disclosure is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims (15)

1. A data processing method, performed by a proxy service platform, the method comprising:
responding to a trigger operation of a user at a transaction initiation time point, and acquiring first transaction data input by the user and displayed in an interactive interface;
determining second transaction data according to the first transaction data, and sending actual execution parameters in the second transaction data to a first service platform, so that the first service platform updates parameters of a first account of the user at a preset time point according to the actual execution parameters;
forming transaction information according to the first transaction data and the second transaction data, and sending the transaction information to a second service platform so that the second service platform determines a parameter to be executed corresponding to the first transaction data according to the transaction information;
and receiving the to-be-executed parameters, and updating the parameters of the first account at the transaction ending time point according to the to-be-executed parameters.
2. The data processing method of claim 1, wherein the first transaction data is an actual number of executions shares; the second transaction data further comprises additional execution parameters;
the determining second transaction data from the first transaction data comprises:
determining the actual execution parameters according to the actual execution share number, the first conversion proportion and the discount proportion;
and determining the additional execution parameter according to the actual execution parameter, the second conversion proportion and the transaction duration.
3. The data processing method according to claim 2, wherein the transaction duration is a difference between a natural day corresponding to the preset time point and a natural day corresponding to the transaction end time point.
4. The data processing method of claim 1, wherein sending the actual execution parameter in the second transaction data to a first service platform, so that the first service platform performs parameter update on the first account of the user according to the actual execution parameter at a preset time point, comprises:
forming an execution request according to the actual execution parameters;
and sending the execution request to the first service platform so that the first service platform updates the parameters of the first account at the preset time point according to the actual execution parameters.
5. The data processing method of claim 2, wherein the forming transaction information according to the first transaction data and the second transaction data and sending the transaction information to a second service platform comprises:
forming the transaction information based on the actual execution share number, the actual execution parameter, and the additional execution parameter;
and sending the transaction information to the second service platform at a first transaction deadline time point after the transaction initiation time point.
6. The data processing method of claim 5, wherein the forming the transaction information based on the actual execution quantum number, the actual execution parameter, and the additional execution parameter comprises:
forming first sub-transaction information in the transaction information according to the actual execution parameter, the additional execution parameter, the identification information of the user and the identification information of a second service platform;
and forming second sub-transaction information in the transaction information according to the actual execution quota number, the actual execution parameter, the additional execution parameter and the identification information of the user.
7. The data processing method according to claim 5 or 6, wherein the determining, by the second service platform, the to-be-executed parameter corresponding to the first transaction data according to the transaction information includes:
determining a target quota number according to the actual execution parameter, the additional execution parameter and a third conversion ratio;
updating a second account corresponding to the user in the second service platform according to the target share number;
determining the number of shares to be returned corresponding to the first transaction data according to the actual execution share number and the target share number;
and determining the parameter to be executed according to the number of shares to be returned and the third conversion ratio.
8. The data processing method of claim 7, wherein the updating the second account corresponding to the user in the second service platform according to the target share number comprises:
transferring shares in the second account corresponding to the target share number to an account corresponding to the first service platform.
9. The data processing method according to claim 7, wherein the receiving the parameter to be executed comprises:
receiving confirmation information sent by the second service platform, wherein the confirmation information comprises first confirmation information and second confirmation information, the first confirmation information comprises the target quota number, and the second confirmation information comprises the to-be-returned quota number and the to-be-executed parameter.
10. The data processing method of claim 7, wherein the method further comprises:
at the transaction end time point, forcibly redeeming, by the second service platform, the target share number in the account corresponding to the first service platform according to the actual execution parameters and the additional execution parameters.
11. The data processing method of claim 7, wherein the method further comprises:
and forming a first trading order according to the actual execution parameters, forming a second trading order according to the amount to be returned, and displaying the first trading order and the second trading order in the interactive interface.
12. The data processing method of claim 10, wherein the method further comprises:
and updating parameters of a target account in the proxy service platform through the second service platform before updating the parameters of the first account at the transaction end time point according to the parameters to be executed.
13. A data processing apparatus provided in a proxy service platform, the apparatus comprising:
the data acquisition module is used for responding to the triggering operation of a user at a transaction initiation time point, and acquiring first transaction data which is input by the user and displayed in an interactive interface;
the first updating module is used for determining second transaction data according to the first transaction data and sending actual execution parameters in the second transaction data to a first service platform so that the first service platform updates parameters of a first account of the user at a preset time point according to the actual execution parameters;
the information sending module is used for forming transaction information according to the first transaction data and the second transaction data and sending the transaction information to a second service platform so that the second service platform can determine a parameter to be executed corresponding to the first transaction data according to the transaction information;
and the second updating module is used for receiving the parameters to be executed and updating the parameters of the first account at the transaction ending time point according to the parameters to be executed.
14. A data processing system, comprising:
the terminal equipment is used for responding to the triggering operation of the user at the transaction initiating time point, and receiving and displaying first transaction data input by the user in the interactive interface;
the agent service platform is connected with the terminal equipment and used for receiving first transaction data sent by the terminal equipment, determining second transaction data according to the first transaction data and forming transaction information according to the first transaction data and the second transaction data, wherein the second transaction data comprise the actual execution parameters;
the first service platform is connected with the proxy service platform and used for responding to an execution request which is sent by the proxy service platform and formed according to the actual execution parameters and updating the parameters of the first account of the user according to the actual execution parameters at a preset time point;
and the second service platform is connected with the agent service platform and the first service platform and used for determining a parameter to be executed corresponding to the first transaction data according to the transaction information and sending the parameter to be executed to the agent service platform so that the agent service platform updates the parameter of the first account according to the parameter to be executed at the transaction end time point.
15. A computer device, comprising:
one or more processors;
storage means for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to perform a data processing method as claimed in any one of claims 1 to 12.
CN202010148102.3A 2020-03-05 2020-03-05 Data processing method, device, system, storage medium and computer equipment Pending CN111383112A (en)

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CN108038683A (en) * 2017-12-08 2018-05-15 上海壹账通金融科技有限公司 Method of payment, payment system and readable storage medium storing program for executing based on two class accounts
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