CA3143827A1

CA3143827A1 - Fund data processing method, apparatus, computer device and storage medium

Info

Publication number: CA3143827A1
Application number: CA3143827A
Authority: CA
Inventors: Feng Liu; Chaoya Shi
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2020-12-28
Filing date: 2021-12-23
Publication date: 2022-06-28
Also published as: CN112651834A

Abstract

The present invention discloses to fund data processing method, apparatus, computer device, and storage medium. The method comprises: obtaining subscription conditions of target fund and default subscription share corresponding to subscription conditions, generating first monitoring task according to subscription conditions; after generating first monitoring task, obtaining latest valuation of target fund, when latest valuation meets subscription conditions, generating subscription order for target fund according to default subscription share; after subscription order becomes effective, generating second monitoring task and virtual account of subscription order, using virtual account to record identification information and real-time share of subscription order; after generating second monitoring task, determining profit value of subscription order according to real-time share; when profit value meets preset first profit condition, generating first redemption request according to identification information and real-time share. Using this method can save user operating time and reduce the risk of user operating errors.

Description

FUND DATA PROCESSING METHOD, APPARATUS, COMPUTER DEVICE AND STORAGE
MEDIUM
Field [0001] The present disclosure relates to the field of computer data processing, particularly to a fund data processing method, an apparatus, a computer device, and a storage medium.
Background

[0002] With the continuous development of network technology, more and more users choose to purchase fund products for financial management through third-party platforms provided by the Internet.

[0003] As the number of online funds is increasing, the functions involved are becoming more and more abundant, and the number of users and investment amounts continue to increase, at the same time, most non-professional users may choose a fixed investment method when investing in funds, that is, through investing in a fixed amount on a regular basis to hope to diversify investment risks and obtaining higher investment returns.

[0004] However, in the traditional fixed investment method, when a third-party platform provides users with digital services for fund investment, the timing of investment and the timing of selling need to rely on the user's decision and perform corresponding operations, for example, users need to determine the best time to sell and the quantity to sell based on the total subscription shares of the target fund, based on their own experience or memory, sometimes when a user performs a sell operation facing the total subscription shares of the target fund, it may also cause property losses to the user due to human error operations (such as entering the wrongly sold shares).
Invention Content Date recue/ date received 2021-12-23

[0005] Based on this, it is necessary to provide a fund data processing method, an apparatus, a computer device, and a storage medium to tackle the above-mentioned technical problems, wherein the method can save time and efforts and can reduce the risk of user operation errors.

[0006] A fund data processing method comprises:

[0007] Obtaining subscription conditions of target fund and default subscription share corresponding to the subscription conditions, generating first monitoring task according to the subscription conditions;

[0008] After generating the first monitoring task, obtaining latest valuation of the target fund, and when the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share;

[0009] After the subscription order becomes effective, a second monitoring task and a virtual account of the subscription order are generated, the virtual account is used to record identification information and real-time share of the subscription order;

[0010] After the second monitoring task is generated, determining profit value of the subscription order according to the real-time share;

[0011] When the profit value meets the preset first profit condition, generating a first redemption request according to the identification information and the real-time share.

[0012] In an implementation, the method also comprises: obtaining first reference value of the target fund;

[0013] When the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share comprises: the current date is a trading day and Date recue/ date received 2021-12-23 the latest valuation is less than the first reference value, generating a subscription order for the target fund according to the default subscription share;

[0014] In one of the implementations, the method also comprises obtaining a second reference value of the target fund, the second reference value is greater than the first reference value;

[0015] When the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share further comprises:
the current date is a trading day and the latest valuation is in between the first the reference value and the second reference value, reducing the default subscription share, generating the subscription order according to the reduced default subscription share.

[0016] In an implementation, the method also comprises:

[0017] Before obtaining the subscription conditions of the target fund and the default subscription share corresponding to the subscription conditions, obtaining the latest valuation of fund available for subscription and historical valuation data in designated historical time period; wherein, the fund available for subscription includes the target fund;

[0018] Determining first reference value and second reference value of the fund available for subscription according to the historical valuation data;

[0019] Generating a fund list including identification information, latest valuation, first reference value, and second reference value of the funds available for subscription, sending the fund list to first terminal for display, preferably, the fund list also includes a subscription link of the fund available for subscription, the fund available for subscription includes the target fund.

Date recue/ date received 2021-12-23

[0020] In an implementation, the method also comprises:

[0021] Obtaining business operation information, the business operation information is used to record result changes in fund business operation; wherein, the fund business operation includes forced redemption operation, forced increase operation, or dividend reinvestment operation;

[0022] Determining change value of total share held by user according to the business operation information;

[0023] Updating the real-time share corresponding to subscription order according to the change value.

[0024] In an implementation, the method also comprises:

[0025] Obtaining latest total share held by user according to the business operation information;

[0026] After the updating of the real-time share corresponding to the subscription order, adding up the real-time shares of all the subscription orders to obtain an added value;

[0027] When there is a difference value between the added value and the latest total share, determining the subscription order with the largest real-time share, the sum of the difference value and the largest real-time share is taken as the latest real-time subscription order share.

[0028] In an implementation, wherein, the method comprises:

[0029] Generating a plurality of the subscription orders;

[0030] After the subscription orders become effective, generating a third monitoring task;

Date recue/ date received 2021-12-23

[0031] Determining the total profit value corresponding to a plurality of subscription orders according to the third monitoring task and the real-time shares of a plurality orders;

[0032] When the total income value meets the preset second income condition, generating a second redemption request.

[0033] A fund data processing apparatus, wherein, the apparatus comprises:

[0034] A first task generation module configured to obtain subscription conditions of target fund and default subscription share corresponding to the subscription conditions, generate first monitoring task according to the subscription conditions;

[0035] An order generation module configured to obtain latest valuation of the target fund after generating the first monitoring task, and when the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share;

[0036] A second task generation module configured to after the subscription order becomes effective, a second monitoring task and a virtual account of the subscription order are generated, the virtual account is used to record identification information and real-time share of the subscription order;

[0037] A first profit determining module configured to after the second monitoring task is generated, determining profit value of the subscription order according to the real-time share;

[0038] A first redemption module configured to when the profit value meets the preset first profit condition, generating a first redemption request according to the identification information and the real-time share.
Date recue/ date received 2021-12-23

[0039] A computer device, comprising storage, processor and a computer program stored on storage to execute following steps when the processor executes the computer program:

[0040] Obtaining subscription conditions of target fund and default subscription share corresponding to the subscription conditions, generating first monitoring task according to the subscription conditions;

[0041] After generating the first monitoring task, obtaining latest valuation of the target fund, and when the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share;

[0042] After the subscription order becomes effective, a second monitoring task and a virtual account of the subscription order are generated, the virtual account is used to record identification information and real-time share of the subscription order;

[0043] After the second monitoring task is generated, determining profit value of the subscription order according to the real-time share;

[0044] When the profit value meets the preset first profit condition, generating a first redemption request according to the identification information and the real-time share.

[0045] A computer readable storage, wherein, a computer program is stored on storage to execute following steps when the computer program is executed:

[0046] Obtaining subscription conditions of target fund and default subscription share corresponding to the subscription conditions, generating first monitoring task according to the subscription conditions;

Date recue/ date received 2021-12-23

[0047] After generating the first monitoring task, obtaining latest valuation of the target fund, and when the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share;

[0048] After the subscription order becomes effective, a second monitoring task and a virtual account of the subscription order are generated, the virtual account is used to record identification information and real-time share of the subscription order;

[0049] After the second monitoring task is generated, determining profit value of the subscription order according to the real-time share;

[0050] When the profit value meets the preset first profit condition, generating a first redemption request according to the identification information and the real-time share.

[0051] The above-mentioned fund data processing method, apparatus, system, computer device and storage medium, during implementation, determining the investment timing of the target fund by the first monitoring task, that is, when the valuation level of the target fund meets the subscription conditions, determining the selling timing of the target fund by the second monitoring task, that is, the profit value of the subscription order meets the preset first profit condition, at the same time, the process of generating the subscription order and the first redemption request does not require any operation from user, which saves time and effort for the user, and determining the redemption share based on the real-time share of the subscription order, no user input is required, and the risk of user operation errors can also be reduced. At the same time, according to the latest valuation of the target fund, combined with the subscription conditions and the first profit condition, the subscription and redemption operations can increase the probability of generating profit and reduce the risk of user capital loss.

Date recue/ date received 2021-12-23 Drawing Description

[0052] Figure 1(a) is an application environment diagram of the fund data processing method in an implementation;

[0053] Figure 1(b) is another application environment diagram of the fund data processing method in an implementation;

[0054] Figure 2 is a mainly process diagram of fund data processing method in an implementation;

[0055] Figure 3 is a process diagram of relating to generate the second monitoring task in an implementation;

[0056] Figure 4 is a process diagram of generating subscription order according to the latest valuation in another implementation;

[0057] Figure 5 is a process diagram of relating to generate fund list steps in an implementation;

[0058] Figure 6 is a process diagram of generating the second redemption request according to the total profits in an implementation;

[0059] Figure 7 is a structural diagram of the fund data processing apparatus in an implementation;

[0060] Figure 8 is an internal structure of a computer device in an implementation.
Specific implementation methods Date recue/ date received 2021-12-23

[0061] In order to make clearer application purposes, technical solutions, and advantages, the present disclosure is further explained in detail with a particular embodiment thereof, and with reference to the drawings. It shall be appreciated that these descriptions are only intended to be illustrative, but not to limit the scope of the disclosure thereto.

[0062] The fund data processing method provided in this application can be applied to the application environment shown in Figure 1(a). Among them, the first server 101 and the second server 102 can communicate through the network, and the second server 102 and the second terminal 103 can communicate through the network, for example, the first server 101 can send the subscription order or the first redemption request to the second server 102, the second server 102 generates the subscription request information according to the subscription order, and sends the subscription request information to the second terminal 103; the second server 102 can also generate the first redemption transaction information according to the first redemption request, and transfer the first redemption transaction information to the first redemption request, send the redemption transaction information to the second terminal 103.

[0063] Among them, the second terminal 103 can be, but is not limited to, various computers, communication device, and data processing device. The first server 101 or the second server 102 can be implemented by an independent server or a server cluster composed of a plurality of servers.

[0064] The application environment shown in Figure 1(a) is only one of the common application environments, and the fund data processing method provided by this application is not limited to the above application environments, for example, in Figure 1(b), the third server 104 directly communicates with the second terminal 103 on the network, and there are two situations at this time.
In the first case, the third server 104 is used to execute the steps of the first server 101 and the second server 102. In the second case, the third server 104 is used to execute the fund data processing method, and the generated subscription order or first redemption request directly conforms to the format required by the second terminal 103, at this time, the third server 104 directly sends the subscription order or sends the first redemption request to Date recue/ date received 2021-12-23 the second terminal 103.

[0065] In an implementation, as shown in Figure 2, a fund data processing method is provided, the method is applied in the first server 101 from Figure 1(a) as example to illustrate, comprising following steps:

[0066] Step S201, obtaining subscription conditions of target fund and default subscription share corresponding to the subscription conditions, generating first monitoring task according to the subscription conditions;

[0067] Step S202, after generating the first monitoring task, obtaining latest valuation of the target fund, and when the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share;

[0068] Step S203, after the subscription order becomes effective, a second monitoring task and a virtual account of the subscription order are generated, the virtual account is used to record identification information and real-time share of the subscription order;

[0069] Step S204, after the second monitoring task is generated, determining profit value of the subscription order according to the real-time share;

[0070] Step S205, when the profit value meets the preset first profit condition, generating a first redemption request according to the identification information and the real-time share.

[0071] In an implementation, the application environment as shown in Figure 1(b), the third server 104 is used to execute the Step S201 ¨ S205.

[0072] Generally speaking, currently there are third-party institutions other than users and fund Date recue/ date received 2021-12-23 companies, and third-party institutions can accept user entrustment to conduct fund transactions with fund companies. From a technical perspective, users generally operate the first terminal (such as a mobile phone or computer) and send user agreement signing request to the server of a third-party organization, the server of the third-party organization generates the user agreement and taking effects after confirming with the first terminal; then, the third-party institution can communicate with the second terminal 103 of the fund company according to the authorization conditions of the user agreement, such as sending subscription transaction information or redemption transaction information, so as to perform fund investment operations.
This kind of transaction method and technical realization method between users, third-party institutions and fund companies is relatively common, and will not be expanded here too much.
After the background description, it is further pointed out here that the above-mentioned steps S201-S205 involve the data processing flow of the server of the third-party institution, especially the data processing flow of the fund subscription or fund redemption process. The servers of the third-party organization include, but are not limited to, the first server 101. In addition, as will be mentioned below, the above steps S201-S205 are different from traditional fund data processing methods.

[0073] In step S201, the target fund refers to the fund that the user determines to subscribe, the funds on the market are diversified, and the type of fund is not particularly limited here.

[0074] Regarding subscription conditions and default subscription shares. The subscription conditions are mainly used to help determine the subscription timing of the target fund, that is, to help determine when to perform the subscription operation of the target fund. There is also a corresponding relationship between the subscription conditions and the subscription quota (that is, the default subscription quota), that is, the specific subscription conditions can determine the number of subscription shares.

[0075] When the subscription conditions are met, the corresponding default subscription share may be one value or more. For example, the latest valuation of the fund can be used as the basis for judgment and the first reference value can be set, when the latest valuation of the fund is less than the first reference value, Date recue/ date received 2021-12-23 it is deemed that the subscription conditions are met, otherwise it is deemed that the subscription conditions are not met; at the time, the subscription share A can be preset as the default subscription share to correspond to the situation when the subscription conditions are met; in this way, when the subscription conditions are met, subscription share A can be used as the default subscription share for fund subscription. For another example, the first reference value and the second reference value can be set, the first reference value is less than the second reference value, the latest valuation of the fund is less than the first reference value and the latest valuation is not less than the first reference value and not greater than the second reference value which both of the cases are deemed to meet the subscription conditions, and at this time, the subscription share B can be preset as the default subscription share to correspond to the situation where the latest valuation is less than the first reference value; the subscription share C can be preset as the default subscription share to correspond to the situation that the latest valuation is not less than the first reference value and not greater than the second reference value. It can be seen that one subscription condition can correspond to different default subscription shares due to different specific content, and one subscription condition can correspond to one subscription share, or it can correspond to more default subscription shares.

[0076] The default subscription share refers to the default subscription fund share when the subscription conditions are met. Generally speaking, the value of the default subscription share can be directly obtained by reading the content of the user agreement, or the value of the default subscription share can be readjusted according to the instructions of the first terminal, and the default subscription share can also be adjusted according to other methods authorized by the user agreement, for example, adjust the value of the default subscription share according to the target profit rate.

[0077] Regarding the first monitoring task. The first monitoring task is used to monitor whether the subscription conditions are met, and to generate a subscription order when the subscription conditions are met. Generally speaking, the take-profit monitoring task can be set as a task to be executed periodically, and the first monitoring task can be triggered by a regular trigger signal, for example, the first monitoring task can be triggered every trading day.

Date recue/ date received 2021-12-23

[0078] In step S202, the subscription order is used to record the to-be-subscribed fund share, it can also be further used to record the subscription timing information, the subscription timing can be the current trading day, other trading days, or non-trading days, which will not be restricted here. Generally speaking, if the subscription order directly conforms to the format of the subscription transaction agreement required by the fund company, then the subscription transaction can be performed by directly sending the subscription order to the second terminal 103 of the fund company. It does not rule out that in some cases, as shown in Figure 1(a), the subscription order is sent to the second server 102, which is directly forwarded by the second server 102, or a subscription transaction that meets the requirements of the fund company is generated according to the subscription order, then, the second server 102 sends the subscription transaction information to the second terminal 103 to perform the subscription transaction.

[0079] In step S203, the second monitoring task is used to update the virtual account and determine the profit value and generate a first redemption request when the first profit condition is met. Since the investment amount can be split into a plurality of times or a plurality of shares for fund subscription, a second monitoring task can be generated for each subscription order, and the profit information corresponding to a single subscription order can be monitored by executing each second monitoring task.
Generally speaking, the second monitoring task can be set as a task to be executed periodically, and the second monitoring task can be triggered by a timing trigger signal, for example, the second monitoring task can be triggered every trading day.

[0080] Virtual accounts can be understood as account information set for users for detailed management of target fund share. For a target fund, a virtual account can be used to record a user's fund share. The traditional method generally records the user's total subscription share, and the user needs to make decisions based on the total subscription share for fund redemption operations. In this application, after the subscription order becomes effective, it means that a new default subscription share record is generated in the virtual account, the first server 101 tracks the value of each default subscription share due to fluctuations Date recue/ date received 2021-12-23 in fund business operations, can obtain the final profit value of the default subscription share. At the beginning of the subscription order, the real-time share and the default subscription share are equal in value, but with the occurrence of fund business operations such as forced redemption, forced increase, and dividend reinvestment (described in more detail below), the total number of user subscription share will change, which is equivalent to that the initial value of the default subscription share corresponding to each subscription order changes in the subsequent process and becomes another value, and the other value is the real-time share value. It can be seen that real-time share can be used to indicate the result of changes in the default subscription share due to fund business operations.

[0081] Identification information about the subscription order. It is mainly used to help distinguish the real-time shares corresponding to different subscription orders. For example, tags such as "order a" and "order b" can be used to indicate two different subscription orders, and information such as "order a: 50 pieces" and "order b: 100 pieces" can be used to indicate the different identifiers in the virtual account and the corresponding real-time shares. Certainly, more other methods can be used to distinguish between different subscription orders and corresponding real-time shares, which are not particularly limited here. In some cases, when the real-time share corresponding to a certain subscription order identifier is used as the redemption share for fund redemption, the subscription order identifier and the real-time share information can be deleted in the virtual account.

[0082] In step S204, the prerequisite for updating the virtual account is generally that fund business operations have been performed, including but not limited to fund redemption or the addition of fund subscription shares. Determining the profit value of a subscription order based on real-time shares means that when there are a plurality of subscription orders, the profit value corresponding to a plurality of subscription orders is determined respectively. Among them, the method of determining the profit value can be an existing method, or it can be determined according to a self-set calculation formula. Generally speaking, the profit value can be determined based on the valuation or net value of the target fund, and it is also possible to determine which parameters are used for the profit value according to the first profit Date recue/ date received 2021-12-23 condition set, for example, the profit value may be the profit rate. In some cases, the profit value can be determined according to the following formula:

[0083] P=NV-M+Q-R;

[0084] Wherein, P is the profit value corresponding to a certain subscription order, NV is the net value corresponding to the subscription order, M is the real-time share corresponding to the subscription order, Q is the refund amount corresponding to the subscription order, and R is the subscription order in initial investment amount.

[0085] After the subscription order takes effect, its default subscription share will change due to fund business operations, that is, the value of the real-time share will change, so the profit value will generally show a fluctuating state, one of the take-profit monitoring task goals is to monitor or record changes in the profit values.

[0086] In step S205, the first profit condition may be set according to the target profit rate. For example, the first profit condition may be that the preset target profit rate is reached; the first profit condition may also be set according to the amount of profit, for example, the first profit condition may be that the preset profit amount is reached; the first profit condition may also be set according to the valuation or net value of the target fund, for example, the first profit condition may be that the valuation or net value of the target fund is greater than a preset threshold. In summary, the first profit condition can be diverse, and there is no special restriction here. In principle, the first profit condition is used to judge whether the profit generated by a certain subscription order has reached the preset value, and the first profit condition needs to be based on this principle. It should be noted that different first subscription condition can be set for different subscription order, or for two or more subscription orders.

[0087] Regarding the first redemption request. In some implementations, the first redemption request is Date recue/ date received 2021-12-23 not the information directly sent to the second terminal 103 of the fund company. At this time, the first redemption information is mainly used to determine the redemption share, after the redemption share is determined, the first server 101 generates the first redemption transaction information; certainly, other servers can also generate the first redemption transaction information, as shown in Figure 1(a), the second server 102 generates the first redemption transaction information, and then sends the first redemption transaction information to the fund company's second terminal for redemption transactions.

[0088] Steps S201-S205 are characterized in that users do not need to spend too much time paying attention to the profit of the subscribed funds, and users do not need to calculate and calculate reasonable redemption shares based on the total subscribed fund shares, the first server 101 or the third server 104 executes the above steps, which can realize the fund data processing method of using the total subscription shares as the basis for calculating the profits and calculates the reasonable redemption shares that is different from the traditional fund data processing method. In the specific implementation of this method, the investment timing of the target fund is determined by the first monitoring task, that is, when the valuation level of the target fund meets the subscription condition, the selling timing of the target fund is determined by the second monitoring task, that is, the profit value of the subscription order meets the preset first profit condition, at the same time, the process of generating the subscription order and the first redemption request both do not require any user operation, which saves time and effort for the user, and the redemption share is determined according to the real-time share of the subscription order, no user input is required, and the risk of user operation errors can also be reduced. At the same time, according to the latest valuation of the target fund, combined with the purchase conditions and the first profit condition, the subscription and redemption operations can increase the probability of generating profit and reduce the risk of user capital loss.

[0089] In one implementation, before step S201 is performed, the first server 101 may firstly obtain a user agreement, which is used to determine the target fund to be invested; and then determining the subscription condition and corresponding default subscription share of the target fund according to the user agreement.

Date recue/ date received 2021-12-23

[0090] In one implementation, as shown in Figure 3, the fund data processing method further includes step S301: obtaining the first reference value of the target fund;
accordingly, step S202 includes: step S2021, when the current date is the trading day and the latest valuation is less than the first reference value, a subscription order for the target fund is generated according to the default subscription share. As mentioned above, the valuation of the fund can use existing calculation methods or custom calculation methods. The latest valuation of the target fund refers to the valuation of the target fund within the specified latest time period. Under common circumstances, the latest valuation can refer to the valuation on the trading day.

[0091] In one calculation method, when the target fund is an index fund, the valuation formula is:

[0092] V=F(100-PBx);

[0093] Among them, V represents valuation, F() represents rounding, and PBx represents the historical quantile of the price-to-book ratio. When determining the historical quantile, the historical duration corresponding to the selected historical valuation data can be customized, and generally can be selected in annually.

[0094] It can be seen that an estimated value in the past can be selected as the first reference value, or an estimated value can be set by itself as the first reference value. The significance of the first reference value is to provide a decision-making reference for the buying timing of the target fund. The first server 101 selects the time to generate the subscription order according to the first reference value, which can guarantee from a statistical point of view that the fund subscription transaction triggered by the subscription order can bring a reasonable profit rate.

[0095] It should be noted that, in some implementations, the subscription order is not directly sent to the second terminal 103 of the fund company, the subscription order can be used to determine the to-be-Date recue/ date received 2021-12-23 subscribed share, after determining the to-be-subscribed share, the subscription transaction information may be generated by the first server 101, or may be generated by other servers, and then the subscription transaction information may be sent to the second terminal 103 of the fund company. It can be seen that the fund data processing method of the present application can also determine the subscription share and subscription timing of the target fund through the first reference value, which can save users' operating time and avoid the loss of funds caused by user manual errors to a certain extent.

[0096] Furthermore, in one implementation, as shown in Figure. 4, the fund data processing method further includes step S401: obtaining a second reference value of the target fund, the second reference value is greater than the first reference value; accordingly, Step S202 further includes: Step S2022, when the current date is a trading day and the latest valuation is between the first reference value and the second reference value, reducing the default subscription share, and generating a subscription order based on the reduced default subscription share.

[0097] According to the first reference value and the second reference value, three estimation intervals can be divided:

[0098] Low estimate interval, that is, an interval smaller than the first reference value;

[0099] Mid estimate interval, that is, an interval not less than the first reference value and not greater than the second reference value;

[0100] High estimate interval, that is, an interval greater than the second reference value.

[0101] When the latest valuation is in the low valuation range, the subscription order can be generated according to the default subscription share (first subscription share) with a larger value; when the latest valuation is in the middle valuation range, generating a subscription order based on the smaller default Date recue/ date received 2021-12-23 subscription share (second subscription share), where the first subscription share and the second subscription share are not equal in value, which makes the user's investment methods more diversified and can ensure that the investment is reasonable to a certain extent profit rate.
In addition, it is also conducive to splitting into a plurality of subscription orders more flexibly and completely according to the user's total investment amount, realizing more diverse investment operation portfolios. For example, when the total fiind shares that a user can subscribe for is 1200, the first subscription share can be set to 700, and the second subscription share is 500, this can help the user to make two subscriptions while completely consuming 1200 shares amount. However, according to some current fixed investment methods, generally speaking, it will help users to subscribe for a fixed number of fund shares on a regular basis, for example, if 500 shares are subscribed for each fixed investment day, this method cannot completely consume the 1200 shares, considering that the total fund shares that users can subscribe for are determined by the funds on the user's account, and the funds amount on the account is not specific, the use of the first subscription share and the second subscription share can form a more flexible investment portfolio and can split the funds on the account more effectively.

[0102] As can be seen from the above description, the fund data processing method is particularly suitable for fixed investment business. Therefore, in some implementations, the user agreement refers to the fixed investment agreement of the index fund, and the target fund is the index fund;
the trading day in the aforementioned subscription condition is the fixed investment date; in addition, when the subscription conditions are not met, fixed investment is not executed, that is, when the latest valuation is greater than the second reference value, no subscription order is generated, which can more reasonably reduce the risk of user capital loss.

[0103] In some implementations, the profit value in step S204 is the profit rate, and the first profit condition in step S205 is: the preset target profit rate is reached.
Furthermore, the target profit rate can be determined when the subscription conditions are met on the trading day. When the subscription conditions are met, it means that a subscription order needs to be generated, at this time, the target profit rate can be Date recue/ date received 2021-12-23 determined according to the latest valuation of the target fund. Specifically, different target profit rates can be set corresponding to different valuation intervals, so that the target profit rate is automatically determined according to the valuation interval in which the latest valuation is located, and a smarter data processing method is achieved.

[0104] In some implementations, the target fund is one of the funds that are available for subscription; as shown in Figure 5, the fund data processing method also comprises:

[0105] Step S501: obtaining the latest valuation of the fund that is available for subscription and historical valuation data in a designated historical time period;

[0106] Step S502, according to historical valuation data, determining the first reference value and the second reference value of the fund that is available for subscription;

[0107] Step S503: generating a fund list including the identification information of the fund that is available for subscription, the latest valuation, the first reference value, and the second reference value, sending the fund list to the first terminal for display.

[0108] Steps S501-S503 are used to provide a fund list for the first terminal (not shown in the figure) before signing the user agreement. Based on this, the first terminal can visually display the latest valuations and historical valuations of different funds for users, and users can make investment decisions based on the latest valuations of the displayed funds and historical valuations. In step S503, the fund list may also include a subscription link of the fund that is available for subscription, and the fund that is available for subscription includes the target fund. The subscription link can be a link for signing user agreement or viewing user agreement.

[0109] It should be noted that the first reference value and the second reference value corresponding to Date recue/ date received 2021-12-23 the latest estimate calculated at different time may be different which depends on the pair of the first reference value and the second reference value whether the historical valuation data has changed. For example, the first reference value and the second reference value determined by selecting historical valuation data between 2001 and 2010 may be different from the first reference value and the second reference value determined by selecting historical valuation data between 2002 and 2011. In addition, the historical valuation data for which time periods are selected can be set according to actual needs; after selecting historical valuation data for a period of time, how to obtain the first reference value and the second reference value can also be set according to actual needs. Generally speaking, historical valuation data of the most recent 5 to 10 years can be obtained for each index fund, and the valuation set formed by the relatively lowest valuation within 30% of the time period is regarded as a low valuation area, considering the valuation set formed by the relatively highest valuation within 30% of the time period as the high valuation area, and the valuation set formed by other valuations as the medium valuation area, at this time, the maximum estimate in the low estimate area can be used as the first reference value, and the maximum estimate in the middle estimate area can be used as the second reference value.

[0110] In some implementations, the fund data processing method further includes the following steps:
obtaining business operation information, the business operation information is used to record the results changes in fund business operations; wherein the fund business operations include forced redemption operations, forced increase operations, or bonus reinvestment operations;
according to business operation information, determining the change value of the total shares held by user;
according to the change value, updating the real-time shares corresponding to the subscription order.

[0111] For example, assuming that in a virtual account, there are three subscription order identifiers and three real-time shares, which are: order a: 50 pieces; order b: 35 pieces; and order c: 15 pieces. The total fund shares held by users is the total value of three real-time shares, that is, 100 shares. Updating virtual account includes but are not limited to:

Date recue/ date received 2021-12-23

[0112] (1) After the forced redemption operation, the total amount of funds held by user has changed from 100 to 96. at this time, the change value can be calculated to be 4, and the aforementioned change information may include the change value, based on this, three real-time shares can be updated, that is, 96 shares are split at a ratio of 50:35:15, and the virtual accounts obtained are: order a: 48 pieces; order b: 33.6 pieces; order c: 14.4 pieces.

[0113] (2) After the forced increase operation, the total amount of funds held by user has changed from 100 to 110, splitting according to the ratio of 50:35:15, the new virtual account obtained is: order a: 55 pieces; order b: 38.5 pieces; order c: 16.5 pieces.

[0114] (3) After the dividend reinvestment operation, the idea of updating the virtual account is similar, and the real-time share is updated accordingly according to the change value of the total fund shares.

[0115] It should be noted that the types of fund business operations are not limited to the above three, but can also include more, such as liquidation operations and termination operations, different fund business operations may involve different virtual account updating methods, such as liquidation operations and termination operations may involve the asset realization, at this time, it is necessary to delete the subscription order identifier and real-time share.

[0116] In some implementations, the fund data processing method further includes: obtaining latest total share held by user according to the business operation information; after the updating of the real-time share corresponding to the subscription order, adding up the real-time shares of all the subscription orders to obtain an added value; when there is a difference value between the added value and the latest total share, determining the subscription order with the largest real-time share, the sum of the difference value and the largest real-time share is taken as the latest real-time subscription order share. This implementation solves the problem that there may be a tail difference in data processing that causes the sum of the implemented shares to be inconsistent with the latest total share, the "tail difference"
is literally explained as the Date recue/ date received 2021-12-23 difference in the last number, which is the error mainly caused by discarding some decimal places in the calculation. For example, a virtual account is: order a: 40 pieces; order b:
30 pieces. Due to the dividend reinvestment operation, the total shares of the target ftmd held by user has changed from 70 to 71, at this time, the changed share is 1 share, when updating the virtual account, 1 share needs to be in the ratio of 40:30 to be added to the share corresponding to order a and order b, in some algorithms, if two decimal points are directly retained, the real-time share may become 40.57 and 30.42 respectively, and the total share becomes 70.99, forming an error of 0.01, that is tail difference. At this time, a tail difference of 0.01 can be added to the real-time share corresponding to order a, so that 40.57 becomes 40.58.

[0117] In some implementations, as shown in Figure 6, the fund data processing method also comprises:

[0118] Step S601, generating a plurality of the subscription orders;

[0119] Step S602, after the subscription orders become effective, generating a third monitoring task;

[0120] Step S603, determining the total profit value corresponding to a plurality of subscription orders according to the third monitoring task and the real-time shares of a plurality orders;

[0121] Step S604, when the total income value meets the preset second income condition, generating a second redemption request.

[0122] Considering that the target profit rate and the corresponding investment amount are generally agreed in the user agreement, when the fund investment is executed, and the corresponding investment amount reaches the target profit rate, it is deemed that the third-party institution has completed the performance of the user agreement. At this time, a third monitoring task can be set up according to a user agreement, by executing the third monitoring task, the profit information corresponding to the investment amount can be obtained from the whole, when the target profit rate is reached, all the fund shares are Date recue/ date received 2021-12-23 redeemed, the third monitoring task can be terminated.

[0123] Steps S601-S604 provide a new data processing method for determining when to perform a redemption operation. It can be understood in conjunction with Figure 2 and Figure 6. After step S203 is executed, steps S204 and S205 can be directly executed, or steps S603 and S604 can be executed directly, depending on whether the situation at the time meets the first profit condition or meets the second profit condition, if the second profit condition is met, step S603 and step S604 can be executed first.

[0124] In addition, according to the above-mentioned design principle of the profit value involved in step S204 and step S205 and the first profit condition, the total profit value in step S603 and step S604 and the second profit condition can be designed accordingly. Considering that the profit value corresponding to some subscription orders does not meet the first profit condition, but from the perspective of overall profits, the total profit value corresponding to the total subscription order has reached an ideal value, that is, it has met the second profit condition, so it will provide users with more opportunities for fund redemption and shorten the user's investment cycle to a certain extent.

[0125] In some implementations, the step of generating a subscription order according to the default subscription share includes: generating a subscription order after passing user risk level verification, fund transaction status verification, initial investment amount verification, and subscription limit verification.
The first server 101 sends the subscription order to the second server 102, and the second server 102 generates subscription request transaction information according to the subscription order, and then sends the subscription request transaction information to the second terminal 103 to perform the subscription transaction.

[0126] In some implementations, the second server 102 may generate the first redemption transaction information according to the first redemption request, send the first redemption transaction information to the second terminal 103, after receiving the redemption confirmation message returned by the second Date recue/ date received 2021-12-23 terminal 103 (meaning that the fund company agrees to the redemption transaction), send a repayment instruction to the second terminal 103, the repayment instruction is used to instruct the repayment to be transferred to the preset account of a third-party institution, so that the user can continue to enjoy the profit of demand deposits or currency funds, and ensure that user's profit is maximized. The aforementioned preset account may be a bank account corresponding to Suning Coin Purse. More specifically, a description of the preset account and a description of the profit agreement can be provided in the user agreement.

[0127] In some implementations, the UTS unified scheduling component may initiate a timing task to initiate an HTTP request to a specific server, after the specific server performs domain name resolution, the Nginx load balances it and distributes it to a specific application server;
the application server takes the role of Master to obtain the take-profit monitoring task and then distributes the take-profit monitoring task to the Windq queue, after being multi-threaded monitored by the Slave server, the processing result data is obtained after processing according to the steps involved in the take-profit monitoring task, and the processing result data is sent to database for preservation. At this time, the aforementioned servers can be regarded as a constituent part of the first server 101, and the processing result data includes virtual accounts.
In addition, the Slave server can obtain the basic data of the fund from the data center component, including the price-earnings ratio, price-to-book ratio, dividend ratio, price-earnings ratio quantile or price-to-book ratio quantile of the index fund.

[0128]
In some implementations, the aforementioned user agreement refers to an agreement corresponding to a special fixed investment service, after the agreement is signed, the first server 101 performs steps S201-S205; However, for third-party institutions, they will generally launch a variety of fund investment services, such as a variety of fixed investment businesses (including the aforementioned special fixed investment business and the current common fixed investment business) and a variety of non-fixed investment businesses. At this time, if the first server 101 needs to perform the task of end-of-day clearing, it needs to distinguish between different agreements and then perform related data processing, because it involves special fixed investment business, it needs to update the virtual account, performs the Date recue/ date received 2021-12-23 take-profit monitoring task, and automatically generates the first redemption information; for ordinary fixed investment services, the first server 101 may only need to generate the third redemption information according to the instructions sent by the first terminal, and the third redemption information is used to instruct to execute the redemption operation according to the redemption share confirmed by the first terminal. In this case, when the first server 101 performs day-end liquidation task, the server first obtains fund business operation information, the fund business operation information is used to record which fund business operations are involved in a certain fund purchased by the user on the trading day, then determining the agreement type according to the fund business operation information, when the agreement type is the aforementioned user agreement, the virtual account is updated; when the agreement type is other contract agreements (for example, the agreement for ordinary fixed investment business), according to the corresponding contract agreement, the preset processing method updates the corresponding subscription order information. After the virtual account is updated or corresponding subscription order information is updated, the processing result can be sent to the first terminal by means of SMS or email.

[0129] What should be noted is that, although the steps of the above-mentioned process diagram of Figure 2 - 6 are shown in sequence as indicated by the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly instruction in this article, there is no strict order in which these steps can be performed, and they can be performed in any other orders. In addition, at least parts of the Figure 2 ¨ 6 in the steps can include more sub steps or a plurality of stages, these sub steps or stages are not necessarily completed at the same time but can be executed in different time, the execution order of these sub steps or stages is also not necessarily in sequence order but can be performed alternately with the other steps or sub steps of other steps or at least one part of the other stages.

[0130] In an implementation, as shown in Figure 7, a fund data processing apparatus 700 is provided, the apparatus comprises: a first task generation module 701, an order generation module 702, a second task generation module 703, a first profit determining module 704, a first redemption module 705, wherein:

Date recue/ date received 2021-12-23

[0131] A first task generation module configured to obtain subscription conditions of target fund and default subscription share corresponding to the subscription conditions, generate first monitoring task according to the subscription conditions;

[0132] An order generation module configured to obtain latest valuation of the target fund after generating the first monitoring task, and when the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share;

[0133] A second task generation module configured to after the subscription order becomes effective, a second monitoring task and a virtual account of the subscription order are generated, the virtual account is used to record identification information and real-time share of the subscription order;

[0134] A first profit determining module configured to after the second monitoring task is generated, determining profit value of the subscription order according to the real-time share;

[0135] A first redemption module configured to when the profit value meets the preset first profit condition, generating a first redemption request according to the identification information and the real-time share.

[0136] In an implementation, the fund data processing apparatus 700 further includes a first reference value obtaining module (not shown) for obtaining the first reference value of the target fund; accordingly, an order generation module 702 also includes a first subscription unit (not shown), which is used to generate a subscription order for the target fund according to the default subscription share when the current date is a trading day and the latest valuation is less than the first reference value.

[0137] In an implementation, the fund data processing apparatus 700 further includes a second reference value obtaining module (not shown) for obtaining a second reference value of the target fund, wherein the Date recue/ date received 2021-12-23 second reference value is greater than the first reference value; accordingly, the order generation module 702 also includes a second subscription unit (not shown), which is used to reduce the default subscription share when the current date is the trading day and the latest valuation is between the first reference value and the second reference value, generating a subscription order based on the reduced default subscription share.

[0138] In an implementation, the fund data processing apparatus 700 also comprises:

[0139] A valuation obtaining module (not shown) configured to before obtaining the subscription conditions of the target fund and the default subscription share corresponding to the subscription conditions, obtaining the latest valuation of fund available for subscription and historical valuation data in designated historical time period; wherein, the fund available for subscription includes the target fund;

[0140] A reference value determining module (not shown) configured to determine first reference value and second reference value of the fund available for subscription according to the historical valuation data;

[0141] A list generation module (not shown) configured to generate a fund list including identification information, latest valuation, first reference value, and second reference value of the funds available for subscription, sending the fund list to first terminal for display, preferably, the fund list also includes a subscription link of the fund available for subscription, the fund available for subscription includes the target fund.

[0142] In an implementation, the fund data processing apparatus 700 also comprises:

[0143] An operate information obtaining module (not shown) configured to obtain business operation information, the business operation information is used to record result changes in fund business operation;
wherein, the fund business operation includes forced redemption operation, forced increase operation, or Date recue/ date received 2021-12-23 dividend reinvestment operation;

[0144] A change value determining module (not shown) configured to determine change value of total share held by user according to the business operation information;

[0145] An updating module (not shown) configured to update the real-time share corresponding to subscription order according to the change value.

[0146] In an implementation, the fund data processing apparatus 700 also comprises:
[1047] A latest total share obtaining module (not shown) configured to obtain latest total share held by user according to the business operation information;
[0148] A sum processing module (not shown) configured to after the updating of the real-time share corresponding to the subscription order, adding up the real-time shares of all the subscription orders to obtain an added value;
[0149] A tail difference processing module (not shown) configured to when there is a difference value between the added value and the latest total share, determining the subscription order with the largest real-time share, the sum of the difference value and the largest real-time share is taken as the latest real-time subscription order share.
[0150] In an implementation, the order generation module 702 is also used for generating a plurality of subscription orders;
[0151] The fund data processing apparatus 700 also comprises:

Date recue/ date received 2021-12-23 [0152] A third task generation module (not shown) configured to after the subscription orders become effective, generating a third monitoring task;
[0153] A second profit determining module (not shown) configured to determine the total profit value corresponding to a plurality of subscription orders according to the third monitoring task and the real-time shares of a plurality orders;
[0154] A second redemption module (not shown) configured to when the total income value meets the preset second income condition, generating a second redemption request.
[0155] For the specific limitation of the fund data processing apparatus can refer to the above-mentioned the fund data processing method, which will not be repeated here. Each module of the above fund data processing apparatus can be achieved fully or partly by software, hardware, and their combinations. The above modules can be embedded in the processor or independent of the processor in computer device and can store in the memory of computer device in form of software, so that the processor can call and execute the operations corresponding to the above modules.
[0156] In an implementation, a fund data processing system is provided, including a first server 101 and a second server 102; the first server 101 is used to: execute a ftind data processing method; after the subscription order is generated, the subscription order is sent to the second server 102; the first redemption request is sent to the second server 102; the second server 102 is used to:
generate subscription transaction information according to the subscription order, and send the subscription transaction information to the second terminal 103; generate the first redemption transaction information according to the first redemption information, and send the first redemption transaction information to the second terminal 103.
[0157] In an implementation, a computer device is provided to be a server and whose internal structure diagram is shown in Figure 8. The computer device includes a processor, a memory, a network interface, Date recue/ date received 2021-12-23 and a database connected through a system bus. The processor of the computer device is configured to provide calculation and control capabilities. The memory of computer device includes non-volatile storage medium and internal memory. The memory of non-volatile storage medium has operation system, computer programs and database. The internal memory provides an environment for the operation system and computer program running in a non-volatile storage medium. The network interface of the computer device is used to communicate with an external terminal through a network connection.
The computer program is executed by the processor to implement a fund data processing method.
[0158] The skilled in the art can understand that the structure shown in Figure 8 is only partial structural diagram related this application solution and not constitute limitation to the computer device applied on the current application solution, the specific computer device can include more or less components than what is shown in the figure, or combinations of some components or different components to what is shown in the figure.
[0159] In an implementation, the processor performs the following steps when executing the computer program: obtaining subscription conditions of target fund and default subscription share corresponding to the subscription conditions, generating first monitoring task according to the subscription conditions; after generating the first monitoring task, obtaining latest valuation of the target fund, and when the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share; after the subscription order becomes effective, a second monitoring task and a virtual account of the subscription order are generated, the virtual account is used to record identification information and real-time share of the subscription order;
after the second monitoring task is generated, determining profit value of the subscription order according to the real-time share; when the profit value meets the preset first profit condition, generating a first redemption request according to the identification information and the real-time share.
[0160] In an implementation, the processor performs the following steps when executing the computer Date recue/ date received 2021-12-23 program: obtaining first reference value of the target fund; when the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share comprises: the cun-ent date is a trading day and the latest valuation is less than the first reference value, generating a subscription order for the target fund according to the default subscription share;
[0161] In an implementation, the processor performs the following steps when executing the computer program: obtaining a second reference value of the target fund, the second reference value is greater than the first reference value; when the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share further comprises: the current date is a trading day and the latest valuation is in between the first the reference value and the second reference value, reducing the default subscription share, generating the subscription order according to the reduced default subscription share.
[0162] In an implementation, the processor performs the following steps when executing the computer program: before obtaining the subscription conditions of the target fund and the default subscription share corresponding to the subscription conditions, obtaining the latest valuation of fund available for subscription and historical valuation data in designated historical time period; wherein, the fund available for subscription includes the target fund; determining first reference value and second reference value of the fund available for subscription according to the historical valuation data; generating a fund list including identification information, latest valuation, first reference value, and second reference value of the funds available for subscription, sending the fund list to first terminal for display, preferably, the fund list also includes a subscription link of the fund available for subscription, the fund available for subscription includes the target fund.
[0163] In an implementation, the processor performs the following steps when executing the computer program: obtaining business operation information, the business operation information is used to record result changes in fund business operation; wherein, the fund business operation includes forced redemption Date recue/ date received 2021-12-23 operation, forced increase operation, or dividend reinvestment operation;
determining change value of total share held by user according to the business operation information; updating the real-time share corresponding to subscription order according to the change value.
[0164] In an implementation, the processor performs the following steps when executing the computer program: obtaining latest total share held by user according to the business operation information; after the updating of the real-time share corresponding to the subscription order, adding up the real-time shares of all the subscription orders to obtain an added value; when there is a difference value between the added value and the latest total share, determining the subscription order with the largest real-time share, the sum of the difference value and the largest real-time share is taken as the latest real-time subscription order share.
[0165] In an implementation, the processor performs the following steps when executing the computer program: generating a plurality of the subscription orders; after the subscription orders become effective, generating a third monitoring task; determining the total profit value corresponding to a plurality of subscription orders according to the third monitoring task and the real-time shares of a plurality orders;
when the total income value meets the preset second income condition, generating a second redemption request.
[0166] In an implementation, a readable storage is provided and stored with a computer program, the processor performs the following steps when executing the computer program:
obtaining subscription conditions of target fund and default subscription share corresponding to the subscription conditions, generating first monitoring task according to the subscription conditions;
after generating the first monitoring task, obtaining latest valuation of the target fund, and when the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share; after the subscription order becomes effective, a second monitoring task and a virtual account of the subscription order are generated, the virtual account is used to record identification information and real-time share of the subscription order; after the second monitoring task is generated, Date recue/ date received 2021-12-23 determining profit value of the subscription order according to the real-time share; when the profit value meets the preset first profit condition, generating a first redemption request according to the identification information and the real-time share.
[0167] In an implementation, the processor performs the following steps when executing the computer program: obtaining first reference value of the target fund; when the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share comprises: the cun-ent date is a trading day and the latest valuation is less than the first reference value, generating a subscription order for the target fund according to the default subscription share;
[0168] In an implementation, the processor performs the following steps when executing the computer program: obtaining a second reference value of the target fund, the second reference value is greater than the first reference value; when the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share further comprises: the current date is a trading day and the latest valuation is in between the first the reference value and the second reference value, reducing the default subscription share, generating the subscription order according to the reduced default subscription share.
[0169] In an implementation, the processor performs the following steps when executing the computer program: before obtaining the subscription conditions of the target fund and the default subscription share corresponding to the subscription conditions, obtaining the latest valuation of fund available for subscription and historical valuation data in designated historical time period; wherein, the fund available for subscription includes the target fund; determining first reference value and second reference value of the fund available for subscription according to the historical valuation data; generating a fund list including identification information, latest valuation, first reference value, and second reference value of the funds available for subscription, sending the fund list to first terminal for display, preferably, the fund list also includes a subscription link of the fund available for subscription, the fund available for subscription Date recue/ date received 2021-12-23 includes the target fund.
[0170] In an implementation, the processor performs the following steps when executing the computer program: obtaining business operation information, the business operation information is used to record result changes in fund business operation; wherein, the fund business operation includes forced redemption operation, forced increase operation, or dividend reinvestment operation;
determining change value of total share held by user according to the business operation information; updating the real-time share corresponding to subscription order according to the change value.
[0171] In an implementation, the processor performs the following steps when executing the computer program: obtaining latest total share held by user according to the business operation information; after the updating of the real-time share corresponding to the subscription order, adding up the real-time shares of all the subscription orders to obtain an added value; when there is a difference value between the added value and the latest total share, determining the subscription order with the largest real-time share, the sum of the difference value and the largest real-time share is taken as the latest real-time subscription order share.
[0172] In an implementation, the processor performs the following steps when executing the computer program: generating a plurality of the subscription orders; after the subscription orders become effective, generating a third monitoring task; determining the total profit value corresponding to a plurality of subscription orders according to the third monitoring task and the real-time shares of a plurality orders;
when the total income value meets the preset second income condition, generating a second redemption request.
[0173] The skilled in the art can understand that all or partial of procedures from the above-mentioned methods can be performed by computer program instructions through related hardware, the mentioned computer program can be stored in a non-volatile material computer readable storage medium, this computer can include various implementation procedures from the abovementioned methods when Date recue/ date received 2021-12-23 execution. Any reference to the memory, the storage, the database, or the other media used in each implementation provided in current application can include non-volatile and/or volatile memory. Non-volatile memory can include read-only memory (ROM), programable ROM (PROM), electrically programmable ROM (EPRPMD), electrically erasable programmable ROM (EEPROM) or flash memory.
Volatile memory can include random access memory (RAM) or external cache memory. As an instruction but not limited to, RAM is available in many forms such as static RAM (SRAM), dynamic RAM
(DRAMD), synchronous DRAM (SDRAM), dual data rate SDRAM (DDRSDRAM), enhanced SRAM
(ESDRAM), synchronal link (Synchlink) DRAM (SLDRAM), memory bus (Rambus), direct RAM
(RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM
(RDRAM), etc.
[0174] The technical features of the above-mentioned implementations can be randomly combined, for concisely statement, not all possible combinations of technical features in the abovementioned implementations are described. However, if there are no conflicts in the combinations of these technical features, it shall be within the scope of this descriptions.
[0175] The above-mentioned implementations are only several implementations in this disclosure and the description is more specific and detailed but cannot be understood as the limitation of the scope of the invention patent. Evidently those ordinary skilled in the art can make various modifications and variations to the disclosure without departing from the spirit and scope of the disclosure. Therefore, the appended claims are intended to be construed as encompassing the described embodiment and all the modifications and variations coming into the scope of the disclosure.

Date recue/ date received 2021-12-23

Claims

Claims:

1. A fund data processing method comprises:
obtaining subscription conditions of target fund and default subscription share corresponding to the subscription conditions, generating first monitoring task according to the subscription conditions;
after generating the first monitoring task, obtaining latest valuation of the target fund, and when the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share;
after the subscription order becomes effective, a second monitoring task and a virtual account of the subscription order are generated, the virtual account is used to record identification information and real-time share of the subscription order;
after the second monitoring task is generated, determining profit value of the subscription order according to the real-time share; and when the profit value meets the preset first profit condition, generating a first redemption request according to the identification information and the real-time share.

2. The method according to claim 1, wherein, the method also comprises:
obtaining first reference value of the target fund;
when the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share comprises: the current date is a trading day and the latest valuation is less than the first reference value, generating a subscription order for the target fund according to the default subscription share;

Date recue/ date received 2021-12-23 preferably, the method further comprises: obtaining a second reference value of the target fund, the second reference value is greater than the first reference value; and when the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share further comprises: the current date is a trading day and the latest valuation is in between the first the reference value and the second reference value, reducing the default subscription share, generating the subscription order according to the reduced default subscription share.

3. The method according to claim 2, wherein, the method also comprises:
before obtaining the subscription conditions of the target fund and the default subscription share corresponding to the subscription conditions, obtaining the latest valuation of fund available for subscription and historical valuation data in designated historical time period; wherein, the fund available for subscription includes the target fund;
determining first reference value and second reference value of the fund available for subscription according to the historical valuation data; and generating a fund list including identification information, latest valuation, first reference value, and second reference value of the funds available for subscription, sending the fund list to first terminal for display, preferably, the fund list also includes a subscription link of the fund available for subscription, the fund available for subscription includes the target fund.

4. The method according to claim 1, wherein, the method also comprises:

Date recue/ date received 2021-12-23 obtaining business operation information, the business operation information is used to record result changes in fund business operation; wherein, the fund business operation includes forced redemption operation, forced increase operation, or dividend reinvestment operation;
determining change value of total share held by user according to the business operation information; and updating the real-time share corresponding to subscription order according to the change value.

5. The method according to claim 4, wherein, the method also comprises:
obtaining latest total share held by user according to the business operation information;
after the updating of the real-time share corresponding to the subscription order, adding up the real-time shares of all the subscription orders to obtain an added value; and when there is a difference value between the added value and the latest total share, determining the subscription order with the largest real-time share, the sum of the difference value and the largest real-time share is taken as the latest real-time subscription order share.

6. The method according to claim 1, wherein, the method comprises:
generating a plurality of the subscription orders;
after the subscription orders become effective, generating a third monitoring task;
determining the total profit value corresponding to a plurality of subscription orders according to Date recue/ date received 2021-12-23 the third monitoring task and the real-time shares of a plurality orders; and when the total income value meets the preset second income condition, generating a second redemption request.

7. A fund data processing apparatus, wherein, the apparatus comprises:
a first task generation module configured to obtain subscription conditions of target fund and default subscription share corresponding to the subscription conditions, generate first monitoring task according to the subscription conditions;
an order generation module configured to obtain latest valuation of the target fund after generating the first monitoring task, and when the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share;
a second task generation module configured to after the subscription order becomes effective, a second monitoring task and a virtual account of the subscription order are generated, the virtual account is used to record identification information and real-time share of the subscription order;
a first profit determining module configured to after the second monitoring task is generated, determining profit value of the subscription order according to the real-time share; and a first redemption module configured to when the profit value meets the preset first profit condition, generating a first redemption request according to the identification information and the real-time share.

8. A fund data processing system, wherein, comprising first server and second server;
Date recue/ date received 2021-12-23 the first server is configured to obtain subscription conditions of target fund and default subscription share corresponding to the subscription conditions, generate first monitoring task according to the subscription conditions; after generating the first monitoring task, obtaining latest valuation of the target fund, and when the latest valuation meets the subscription conditions, generating a subscription order for the target fund according to the default subscription share; after the subscription order becomes effective, a second monitoring task and a virtual account of the subscription order are generated, the virtual account is used to record identification information and real-time share of the subscription order; after the second monitoring task is generated, determining profit value of the subscription order according to the real-time share; when the profit value meets the preset first profit condition, generating a first redemption request according to the identification information and the real-time share;
the first server is also configured to after generating the subscription order, sending the subscription order to the second server; sending the first redemption request to the second server; and the second server is configured to generate subscription transaction information according to the subscription order and send the subscription transaction information to the second terminal;
generate first redemption transaction information according to the first redemption information and send the first redemption transaction information to the second terminal.

9. A computer device, including a memory, a processor and a computer program stored in the memory and ran on the processor configured to achieve the steps of any methods in claim 1 to 6 when the processor executes the computer program.

10. A computer readable storage medium stored with a computer program configured to achieve the steps of any methods in claim 1 to 6 when the processor executes the computer program.

Date recue/ date received 2021-12-23