CN109300055B - Continuous insurance profit and loss query method, device, equipment and readable storage medium - Google Patents
Continuous insurance profit and loss query method, device, equipment and readable storage medium Download PDFInfo
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Abstract
The invention discloses a continuous insurance profit and loss query method, device and equipment and a readable storage medium. The method comprises the following steps: when an profit-loss query request sent by a client application is received, acquiring an applicant identifier of a requester according to the profit-loss query request; inquiring whether profit and loss data information of the latest asset evaluation date corresponding to the applicant identification is stored; if the profit-loss data information is not stored, at least one account in at least one insurance policy associated with the applicant identification is obtained, and the profit-loss amount of each account in each insurance policy is respectively determined and stored; and sending the profit and loss amount of each account in each insurance policy for putting continuous insurance to the client application. The method can be used for inquiring profit and loss of each account based on the continuous insurance policy, so that the client can conveniently refer to and optimize the investment scheme, and the client experience is improved.
Description
Technical Field
The invention relates to a computer application technology, in particular to a method, a device, equipment and a readable storage medium for inquiring profit and loss of a connection risk.
Background
The continuous insurance is a new type of life insurance product, which integrates the guarantee and the investment. The guarantee aspect is mainly embodied in that if the insured life is accident, the insured life can obtain the accident guarantee fund paid by the insurance company, and meanwhile, the user can obtain other aspects of guarantee such as serious diseases and the like by throwing additional insurance or risk insurance. The investment is mainly realized by that the insurance company uses the premium paid by the applicant to invest and obtain the income.
Several investment accounts are typically associated with each contingency policy, each having a subscription/redemption unit price per asset assessment day. Aiming at an account, if a purchase is applied, adding a unit number to the account; if redeemed, the account is decremented by a number of units. Due to fluctuating unit price of investment accounts, the value of the policy account accordingly generates profit and loss.
At present, two modes of inquiry based on the insurance policy of continuous insurance and inquiry based on the insurance applicant are provided for the inquiry of the insurance policy of continuous insurance, namely, in the inquiry result, a client can only see the whole investment profit and loss of the insurance policy of continuous insurance or can only see the whole investment profit and loss of the insurance applicant, but can not clearly know the specific profit and loss conditions of each account under each insurance policy of continuous insurance, and the client experience is poor.
In addition, when the profit and loss of each account in the insurance policy of continuous investment at present are calculated, because the valuations related to the purchase-applying or redemption transaction are based on the investment price of the next asset evaluation day, the number of undetermined purchase-applying and redemption units is not calculated in the process, and the account value is calculated by adopting the unit price of the current held unit number multiplied by the asset evaluation day more than one. Therefore, the calculated profit-loss situation of each account cannot accurately represent the profit-loss situation of the insurance policy of continuous insurance.
The above information disclosed in this background section is only for enhancement of understanding of the background of the invention and therefore it may contain information that does not constitute prior art that is already known to a person of ordinary skill in the art.
Disclosure of Invention
The invention provides a continuous insurance profit and loss query method, device and equipment and a readable storage medium, which can be used for carrying out profit and loss query on each account based on a continuous insurance policy, are convenient for clients to refer and optimize investment schemes, and improve the client experience.
Additional features and advantages of the invention will be set forth in the detailed description which follows, or may be learned by practice of the invention.
According to an aspect of the present invention, a method for continuous risk profit and loss query is provided, including: when an profit-loss query request sent by a client application is received, acquiring an applicant identifier of a requester according to the profit-loss query request; inquiring whether profit and loss data information of the latest asset evaluation date corresponding to the applicant identification is stored; if the profit-loss data information is not stored, the accounts in the application insurance policy associated with the applicant identification are obtained, and the profit-loss amount of each account in each application insurance policy is respectively determined and stored; and sending the profit and loss amount of each account in each insurance policy for putting continuous insurance to the client application.
According to an embodiment of the present invention, determining the profit and loss amount of each account in each connection insurance policy comprises: respectively determining the unit cost of each account according to the purchase amount, the redemption amount and the transfer amount of each account; and respectively determining the profit and loss amount of each account according to the unit cost of each account and the unit price of the latest asset evaluation day.
According to one embodiment of the present invention, determining the unit cost of each account based on the purchase amount, the redemption amount, and the transfer amount of each account includes: the unit cost of each account is determined according to the following formula:
the unit cost is (initial purchase amount + regular additional purchase amount + irregular additional purchase amount + account transfer amount-risk protection deduction amount-received amount-account transfer amount)/current holding unit number.
According to an embodiment of the present invention, the determining the profit-loss amount of each account for the unit cost of each account and the unit price of the latest asset evaluation day comprises: respectively determining the profit and loss amount of each account according to the following formula:
the profit-loss amount (price per unit-cost on the last asset valuation day) is the current number of units held.
According to an embodiment of the present invention, the method further comprises: and constructing a profit-loss data table, wherein the profit-loss data information is stored in the profit-loss data table.
According to an embodiment of the present invention, the method further comprises: and if the profit-loss data information is stored, respectively acquiring the profit-loss amount of each account in each connection insurance policy according to the profit-loss data information.
According to an embodiment of the present invention, the method further comprises: determining the profit and loss amount of each connection insurance policy according to the profit and loss amount of each account in each connection insurance policy; and sending the profit and loss amount of each insurance policy for putting continuous insurance to the client application.
According to an aspect of the present invention, there is provided a continuous risk profit and loss inquiry apparatus, including: the identification acquisition module is used for acquiring the applicant identification of the requester according to the profit-loss query request when the profit-loss query request sent by the client application is received; the information query module is used for querying whether profit and loss data information of the latest asset evaluation date corresponding to the applicant identification is stored; the profit-loss determining module is used for acquiring the accounts in the insurance policy associated with the applicant identification when the profit-loss data information is not inquired by the information inquiring module, and respectively determining and storing the profit-loss amount of each account in each insurance policy; and the profit and loss return module is used for sending the profit and loss money of each account in each connection insurance policy to the client application.
According to an aspect of the present invention, there is provided a computer apparatus comprising: a memory, a processor, and executable instructions stored in the memory and executable in the processor, the processor implementing any of the methods described above when executing the executable instructions.
According to an aspect of the invention, there is provided a computer-readable storage medium having stored thereon computer-executable instructions which, when executed by a processor, implement any of the methods described above.
According to the method for inquiring the profit and loss of the insurance policy, the profit and loss amount inquiry method taking each account in the insurance policy of the insurance policy. Furthermore, the method also perfects a profit and loss amount calculation method, and can more accurately determine the profit and loss amount.
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 invention, as claimed.
Drawings
The above and other objects, features and advantages of the present invention will become more apparent by describing in detail exemplary embodiments thereof with reference to the attached drawings.
FIG. 1 is a flow diagram illustrating a method for a hedge and deficit query according to an exemplary embodiment.
FIG. 2 is a flow diagram illustrating another method for a run-of-risk profit-loss query in accordance with an exemplary embodiment.
FIG. 3 is a block diagram illustrating a hedge and deficit query device according to an exemplary embodiment.
Fig. 4 is a schematic structural diagram of an electronic device according to an exemplary embodiment.
FIG. 5 is a schematic diagram illustrating a computer-readable storage medium according to an example embodiment.
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. The drawings are merely schematic illustrations of the invention and are not necessarily drawn to scale. The same reference numerals in the drawings denote the same or similar parts, and thus their repetitive description will be omitted.
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 provide a thorough understanding of embodiments of the invention. One skilled in the relevant art will recognize, however, that the invention may 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 structures, methods, devices, implementations, or operations are not shown or described in detail to avoid obscuring aspects of the invention.
Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of that feature. In the description of the present invention, "a plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise.
FIG. 1 is a flow diagram illustrating a method for a hedge and deficit query according to an exemplary embodiment.
Referring to fig. 1, a method 10 for continuous risk profit and loss query includes:
in step S102, when an profit-loss query request sent by the client application is received, the applicant identifier of the requester is obtained according to the profit-loss query request.
The requester (i.e. the applicant) actively sends the profit and loss inquiry request through a client application (which may be, for example, an official Application (APP) issued by the insurance company or a public number or an associated applet on a communication platform based on WeChat, QQ and the like) on its smart terminal (such as a smart phone, a PAD and the like).
Without loss of generality, taking a client application as a WeChat public account as an example, a requester logs in the WeChat public account of an insurance company and clicks on the profit and loss district to request for profit and loss. The WeChat public number sends a profit and loss inquiry request to a system server of an insurance company, wherein the request comprises information of a corresponding applicant.
When the system server receives the profit and loss inquiry request, the system server performs related verification operation on the information of the applicant, and addresses the applicant identification of the requester according to the information of the applicant, wherein the identification is used for uniquely identifying the applicant in the system server.
In step S104, it is queried whether profit-loss data information corresponding to the applicant' S identification of the last asset evaluation date is stored.
Since it is possible that the applicant has performed an interference and loss query operation on the same day, and the system server may have stored the profit and loss data information of the applicant, it is first queried whether the profit and loss data information of the last asset evaluation date corresponding to the applicant identification is stored.
In some embodiments, the risk of contracting profit-loss query method 10 further comprises: and constructing a profit-loss data table, wherein the profit-loss data information is stored in the profit-loss data table. Whether profit-loss data information of the last asset evaluation date corresponding to the applicant identification is stored or not can be inquired by inquiring the profit-loss data table.
In step S106, if the profit-loss data information is not stored, the accounts in the insurance policy associated with the applicant identifier are acquired, and the profit-loss amount of each account in each insurance policy is determined and stored, respectively.
If the profit-loss data information is not stored, i.e., the applicant does not request the profit-loss inquiry operation on the current day, the account in the insurance policy for insurance policy associated with the applicant's identification is obtained. There may be more than one insurance policy, and there may be more than one account in each insurance policy, so the profit and loss amount of each account in each insurance policy is determined separately.
In some embodiments, determining the profit-loss amount for each account in each of the hedged insurance policies comprises: respectively determining the unit cost of each account according to the purchase amount, the redemption amount and the transfer amount of each account; and respectively determining the profit and loss amount of each account according to the unit cost of each account and the unit price of the latest asset evaluation day.
The run-of-risk policy transaction supports procurement and redemption. The subscription transaction may include, for example: initial procurement, irregular procurement, regular procurement, and the like. Redemption transactions may include, for example: full redemption, partial withdrawal, risk premium deduction, and the like. In addition, transfer operations such as transfer-in and transfer-out can be carried out among all accounts in the same insurance policy.
In some embodiments, determining the unit cost for each account based on the purchase amount, redemption amount, and transfer amount for each account separately comprises: the unit cost of each account is determined according to the following formula:
the unit cost is (initial purchase amount + regular additional purchase amount + irregular additional purchase amount + account transfer amount-risk protection deduction amount-received amount-account transfer amount)/current holding unit number.
In some embodiments, the unit cost of each account and the unit price of the last asset valuation day, respectively determining the profit and loss amount of each account comprises: respectively determining the profit and loss amount of each account according to the following formula:
the profit-loss amount (price per unit-cost on the last asset valuation day) is the current number of units held.
In some embodiments, the profit-loss amounts for each account in each of the hedged insurance policies are stored in the constructed profit-loss data table.
In some embodiments, the risk of contracting profit-loss query method 10 further comprises: and if the profit-loss data information is stored, respectively acquiring the profit-loss amount of each account in each connection insurance policy according to the profit-loss data information. That is, if the applicant has requested the interference and loss query operation on the same day, the calculated and stored profit and loss amount can be directly obtained without recalculation, so that the calculation resources of the server are saved.
In step S108, the profit and loss amount of each account in each connection insurance policy is sent to the client application.
And sending the profit and loss amount of each account in each insurance policy for continuous insurance to the client application by taking the account as a unit, and showing the profit and loss amount to the policyholder through a corresponding user interface. After inquiring the profit and loss amount with the account as the statistic dimension, the applicant can refer to and optimize the investment scheme, and the user experience of the applicant is improved.
Further, in some embodiments, the risk of contracting profit-loss query method 10 further comprises: determining the profit and loss amount of each connection insurance policy according to the profit and loss amount of each account in each connection insurance policy; and sending the profit and loss amount of each insurance policy for putting continuous insurance to the client application. That is, when the profit and loss amount is shown to the applicant in the account unit, the profit and loss amount of each insurance policy can be further returned to the applicant for display for further reference.
According to the method for inquiring the profit and loss of the continuous insurance, the profit and loss amount inquiry method taking each account in the continuous insurance policy as a statistical dimension is provided, so that an applicant can refer to the profit and loss data of each account to refer to and optimize an investment scheme of the applicant, and the user experience of the applicant is improved. Furthermore, the method also perfects a profit and loss amount calculation method, and can more accurately determine the profit and loss amount.
It should be clearly understood that the present disclosure describes how to make and use particular examples, but the principles of the present disclosure are not limited to any details of these examples. Rather, these principles can be applied to many other embodiments based on the teachings of the present disclosure.
FIG. 2 is a flow diagram illustrating another method for a run-of-risk profit-loss query in accordance with an exemplary embodiment.
Referring to fig. 2, the continuous risk profit and loss query method 20 includes:
in step S202, when an profit-loss query request sent by the client application is received, the applicant identifier of the requester is obtained according to the profit-loss query request.
The requester (i.e. the applicant) actively sends the profit and loss inquiry request through a client application (which may be, for example, an official Application (APP) issued by the insurance company or a public number or an associated applet on a communication platform based on WeChat, QQ and the like) on its smart terminal (such as a smart phone, a PAD and the like).
Without loss of generality, taking a client application as a WeChat public account as an example, a requester logs in the WeChat public account of an insurance company and clicks on the profit and loss district to request for profit and loss. The WeChat public number sends a profit and loss inquiry request to a system server of an insurance company, wherein the request comprises information of a corresponding applicant.
In step S204, inquiring whether an applicant identifier is stored, and if so, entering step S206; otherwise, the process proceeds to step S216.
When the system server receives the profit and loss inquiry request, the system server performs related verification operation on the information of the applicant, and addresses the applicant identification of the requester according to the information of the applicant, wherein the identification is used for uniquely identifying the applicant in the system server. If the applicant' S identity is stored in the system server, then step S206 is entered; otherwise, the process proceeds to step S216.
In step S206, inquiring whether profit and loss data information of the last asset evaluation date corresponding to the applicant identification is stored in the constructed profit and loss data table, and if not, entering step S208; otherwise, the process proceeds to step S218.
Since it is possible that the applicant has performed an interference and loss query operation on the same day, and the system server may have stored the profit and loss data information of the applicant, it is first queried whether the profit and loss data information of the last asset evaluation date corresponding to the applicant identification is stored. If the data is not stored, that is, the applicant does not inquire the profit-loss data today, step S208 is entered; otherwise, the process proceeds to step S218.
In step S208, inquiring whether a connection insurance policy associated with the applicant identifier is stored, and if so, entering step S210; otherwise, the process proceeds to step S220.
Inquiring the insurance policy of the applicant for continuous insurance in the past according to the applicant identification, and entering step S220 if the insurance policy of continuous insurance related to the applicant identification is not inquired, namely the applicant has not covered the insurance of continuous insurance policy; otherwise, the process proceeds to step S210.
In step S210, an account in the insurance policy associated with the applicant' S identity is obtained.
An account in the insurance policy for insuring the contingency associated with the applicant identification is queried and obtained. There may be multiple insurance policies, as may multiple accounts in each insurance policy.
In step S212, the profit and loss amounts of the accounts in the connection insurance policies are determined and stored, respectively.
In some embodiments, determining the profit-loss amount for each account in each of the hedged insurance policies comprises: respectively determining the unit cost of each account according to the purchase amount, the redemption amount and the transfer amount of each account; and respectively determining the profit and loss amount of each account according to the unit cost of each account and the unit price of the latest asset evaluation day.
The run-of-risk policy transaction supports procurement and redemption. The subscription transaction may include, for example: initial procurement, irregular procurement, regular procurement, and the like. Redemption transactions may include, for example: full redemption, partial withdrawal, risk premium deduction, and the like. In addition, transfer operations such as transfer-in and transfer-out can be carried out among all accounts in the same insurance policy.
In some embodiments, determining the unit cost for each account based on the purchase amount, redemption amount, and transfer amount for each account separately comprises: the unit cost of each account is determined according to the following formula:
the unit cost is (initial purchase amount + regular additional purchase amount + irregular additional purchase amount + account transfer amount-risk protection deduction amount-received amount-account transfer amount)/current holding unit number.
In some embodiments, the unit cost of each account and the unit price of the last asset valuation day, respectively determining the profit and loss amount of each account comprises: respectively determining the profit and loss amount of each account according to the following formula:
the profit-loss amount (price per unit-cost on the last asset valuation day) is the current number of units held.
And after the profit and loss amount of each account in each connection insurance policy is determined, the profit and loss amount is respectively stored in the constructed profit and loss data table.
In step S214, the profit and loss amount of each account in each connection insurance policy is sent to the client application.
And sending the profit and loss amount of each account in each insurance policy for continuous insurance to the client application by taking the account as a unit, and showing the profit and loss amount to the policyholder through a corresponding user interface. After inquiring the profit and loss amount with the account as the statistic dimension, the applicant can refer to and optimize the investment scheme, and the user experience of the applicant is improved.
Further, in some embodiments, the risk of contracting profit-loss query method 10 further comprises: determining the profit and loss amount of each connection insurance policy according to the profit and loss amount of each account in each connection insurance policy; and sending the profit and loss amount of each insurance policy for putting continuous insurance to the client application. That is, when the profit and loss amount is shown to the applicant in the account unit, the profit and loss amount of each insurance policy can be further returned to the applicant for display for further reference.
In step S216, a first request failure response is sent to the client application.
If the system server does not store the applicant's identification, that is, the system server does not store the applicant's information, a first request failure response is sent to the client application to prompt the requester who initiates the profit-loss query through the user interface of the client application, and the system does not store the applicant's information.
In step S218, the profit and loss amounts of the accounts in the respective insurance policies are acquired based on the profit and loss data information.
And if the profit-loss data information is stored, respectively acquiring the profit-loss amount of each account in each connection insurance policy according to the profit-loss data information. That is, if the applicant has requested the interference and loss query operation on the same day, the calculated and stored profit and loss amount can be directly obtained without recalculation, so that the calculation resources of the server are saved. Thereafter, the process proceeds to step S214.
In step S220, a second request failure response is sent to the client application.
If the insurance policy associated with the applicant identification is not queried, i.e., the applicant has not applied insurance policy, a second request failure response is sent to the client application to prompt the applicant to have no insurance policy for the applicant who has made a profit and loss query through the user interface of the client application.
Those skilled in the art will appreciate that all or part of the steps implementing the above embodiments are implemented as computer programs executed by a CPU. The computer program, when executed by the CPU, performs the functions defined by the method provided by the present invention. The program may be stored in a computer readable storage medium, which may be a read-only memory, a magnetic or optical disk, or the like.
Furthermore, it should be noted that the above-mentioned figures are only schematic illustrations of the processes involved in the method according to exemplary embodiments of the invention, and are not intended to be limiting. It will be readily understood that the processes shown in the above figures are not intended to indicate or limit the chronological order of the processes. In addition, it is also readily understood that these processes may be performed synchronously or asynchronously, e.g., in multiple modules.
The following are embodiments of the apparatus of the present invention that may be used to perform embodiments of the method of the present invention. For details which are not disclosed in the embodiments of the apparatus of the present invention, reference is made to the embodiments of the method of the present invention.
FIG. 3 is a block diagram illustrating a hedge and deficit query device according to an exemplary embodiment.
Referring to fig. 3, the continuous risk profit and loss inquiry apparatus 30 includes: an identification obtaining module 302, an information query module 304, a profit and loss determining module 306, and a profit and loss returning module 308.
The identifier obtaining module 302 is configured to, when receiving an profit-loss query request sent by a client application, obtain an applicant identifier of a requester according to the profit-loss query request.
The profit-loss determining module 306 is configured to, when the information querying module 304 does not query the profit-loss data information, obtain the accounts in the insurance policy associated with the applicant identifier, and respectively determine and store the profit-loss amount of each account in each insurance policy.
The profit-loss return module 308 is configured to send profit-loss amounts of the accounts in the respective insurance policies to the client application.
In some embodiments, the profit-loss determination module 306 includes: a cost determining unit and a profit and loss determining unit. The cost determination unit is used for respectively determining the unit cost of each account according to the purchase applying amount, the redemption amount and the transfer amount of each account. And the profit-loss determining unit is used for respectively determining the profit-loss amount of each account according to the unit cost of each account and the unit price of the latest asset evaluation day.
In some embodiments, the cost determination unit comprises: the cost calculating subunit is used for respectively determining the unit cost of each account according to the following formula:
the unit cost is (initial purchase amount + regular additional purchase amount + irregular additional purchase amount + account transfer amount-risk protection deduction amount-received amount-account transfer amount)/current holding unit number.
In some embodiments, the profit-loss determining unit includes: and the profit and loss calculation subunit is used for respectively determining the profit and loss amount of each account according to the following formula:
the profit-loss amount (price per unit-cost on the last asset valuation day) is the current number of units held.
In some embodiments, the device 30 for continuous risk profit and loss inquiry further comprises: and the data table construction module is used for constructing a profit-loss data table, wherein the profit-loss data information is stored in the profit-loss data table.
In some embodiments, the device 30 for continuous risk profit and loss inquiry further comprises: and the profit-loss obtaining module is used for respectively obtaining the profit-loss amount of each account in each connection insurance policy according to the profit-loss data information when the profit-loss data information is inquired by the information inquiry module 304.
In some embodiments, the device 30 for continuous risk profit and loss inquiry further comprises: and the policy profit-loss determining module is used for determining the profit-loss amount of each connection insurance policy according to the profit-loss amount of each account in each connection insurance policy. The profit-loss return module 308 is further configured to send the profit-loss amount of each of the connection insurance policies to the client application.
According to the insurance profit-loss inquiry device of the embodiment of the invention, the profit-loss amount inquiry method taking each account in the insurance policy of. Furthermore, the method also perfects a profit and loss amount calculation method, and can more accurately determine the profit and loss amount.
It is noted that the block diagrams shown in the above figures are functional entities and do not necessarily correspond to physically or logically separate entities. 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 devices and/or microcontroller devices.
Fig. 4 is a schematic structural diagram of an electronic device according to an exemplary embodiment. It should be noted that the electronic device shown in fig. 4 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiment of the present invention.
As shown in fig. 4, the electronic device 800 is in the form of a general purpose computer device. The components of the electronic device 800 include: at least one Central Processing Unit (CPU)801, which may perform various appropriate actions and processes according to program code stored in a Read Only Memory (ROM)802 or loaded from at least one storage unit 808 into a Random Access Memory (RAM) 803.
In particular, according to an embodiment of the present invention, the program code may be executed by the central processing unit 801, such that the central processing unit 801 performs the steps according to various exemplary embodiments of the present invention described in the above-mentioned method embodiment section of the present specification. For example, the central processing unit 801 may perform the steps as shown in fig. 1 or fig. 2.
In the RAM 803, various programs and data necessary for the operation of the electronic apparatus 800 are also stored. The CPU 801, ROM 802, and RAM 803 are connected to each other via a bus 804. An input/output (I/O) interface 805 is also connected to bus 804.
The following components are connected to the I/O interface 805: an input unit 806 including a keyboard, a mouse, and the like; an output unit 807 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage unit 808 including a hard disk and the like; and a communication unit 809 including a network interface card such as a LAN card, a modem, or the like. The communication unit 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that a computer program read out therefrom is mounted on the storage unit 808 as necessary.
FIG. 5 is a schematic diagram illustrating a computer-readable storage medium according to an example embodiment.
Referring to fig. 5, a program product 900 configured to implement the above method according to an embodiment of the present invention is described, which may employ a portable compact disc read only memory (CD-ROM) and include program code, and may be run on a terminal device, such as a personal computer. However, the program product of the present invention is not limited in this regard and, in the present document, a 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.
The computer readable medium carries one or more programs which, when executed by a device, cause the computer readable medium to perform the functions of:
when an profit-loss query request sent by a client application is received, acquiring an applicant identifier of a requester according to the profit-loss query request;
inquiring whether profit and loss data information of the latest asset evaluation date corresponding to the applicant identification is stored;
if the profit-loss data information is not stored, at least one account in at least one insurance policy associated with the applicant identification is obtained, and the profit-loss amount of each account in each insurance policy is respectively determined; and
and sending the profit and loss amount of each account in each insurance policy for putting forward risks to the client application.
Exemplary embodiments of the present invention are specifically illustrated and described above. It is to be understood that the invention is not limited to the precise construction, arrangements, or instrumentalities described herein; on the contrary, the invention is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.
Claims (9)
1. A continuous insurance profit and loss query method is applied to a server and is characterized by comprising the following steps:
when an profit-loss query request sent by a client application is received, acquiring an applicant identifier of a requester according to the profit-loss query request;
inquiring whether profit and loss data information of the latest asset evaluation date corresponding to the applicant identification is stored in a profit and loss data table constructed by the server;
if the profit-loss data information is not stored, acquiring the accounts in the insurance policy of the insurance policy associated with the applicant identification, respectively determining and storing the profit-loss amount of each account in each insurance policy of the applicant; and
sending the profit and loss amount of each account in each connection insurance policy to the client application;
wherein determining the profit and loss amount of each account in each of the connection insurance policies comprises:
determining unit cost of each account according to the purchase applying amount, the redemption amount and the transfer amount of each account; and
and respectively determining the profit and loss amount of each account according to the unit cost of each account and the unit price of the latest asset evaluation day.
2. The method of claim 1, wherein determining the unit cost for each account based on the respective purchase amount, redemption amount, and transfer amount for each account comprises: determining the unit cost of each account according to the following formula:
the unit cost is (initial purchase amount + regular additional purchase amount + irregular additional purchase amount + account transfer amount-risk protection deduction amount-received amount-account transfer amount)/current holding unit number.
3. The method of claim 2, wherein determining the profit-and-loss amount for each of the accounts based on the unit cost for each of the accounts and the unit price on the last asset valuation day comprises: respectively determining the profit and loss amount of each account according to the following formula:
the profit-loss amount (price per unit-cost on the last asset valuation day) is the current number of units held.
4. The method of claim 1, further comprising: and constructing the profit-loss data table.
5. The method of claim 1, further comprising: and if the profit-loss data information is stored, respectively acquiring the profit-loss amount of each account in each connection insurance policy according to the profit-loss data information.
6. The method of claim 1, further comprising:
determining the profit and loss amount of each connection insurance policy according to the profit and loss amount of each account in each connection insurance policy; and
and sending the profit and loss amount of each insurance policy for putting forward risks to the client application.
7. The utility model provides a throw continuous insurance profit and loss inquiry unit, is applied to in the server, its characterized in that includes:
the identification acquisition module is used for acquiring the applicant identification of the requester according to the profit-loss query request when the profit-loss query request sent by the client application is received;
the information query module is used for querying whether profit and loss data information of the latest asset evaluation date corresponding to the applicant identifier is stored in a profit and loss data table constructed by the server;
the profit-loss determining module is used for acquiring the accounts in the insurance policy associated with the applicant identifier when the information inquiring module does not inquire the profit-loss data information, respectively determining and storing the profit-loss amount of each account in each insurance policy, and storing the acquired profit-loss amount of each account in each insurance policy into the profit-loss data table; and
the profit and loss returning module is used for sending the profit and loss amount of each account in each connection insurance policy to the client application;
wherein, the profit and loss determining module comprises:
a cost determination unit for determining unit cost of each account according to the purchase amount, the redemption amount and the transfer amount of each account; and
and the profit-loss determining unit is used for respectively determining the profit-loss amount of each account according to the unit cost of each account and the unit price of the latest asset evaluation day.
8. A computer device, comprising: memory, processor and executable instructions stored in the memory and executable in the processor, characterized in that the processor implements the method according to any of claims 1-6 when executing the executable instructions.
9. A computer-readable storage medium having computer-executable instructions stored thereon, wherein the executable instructions, when executed by a processor, implement the method of any of claims 1-6.
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