CN112529714A - Using method of financial instrument and related product - Google Patents
Using method of financial instrument and related product Download PDFInfo
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- CN112529714A CN112529714A CN202011533194.3A CN202011533194A CN112529714A CN 112529714 A CN112529714 A CN 112529714A CN 202011533194 A CN202011533194 A CN 202011533194A CN 112529714 A CN112529714 A CN 112529714A
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Abstract
The embodiment of the application provides a financial instrument using method and a related product, wherein the method comprises the following steps: UE initiates a fund subscription creation request to network side equipment, the UE generates a financial coupon freezing request and sends the financial coupon freezing request to the network side equipment, and the financial coupon freezing request is used for requesting the network side equipment to freeze the financial coupons; the UE receives a creation result returned by the network side equipment, wherein the creation result comprises: whether the fund corresponding to the fund identifier is successfully purchased or not; if the creation result comprises: if the fund subscription corresponding to the fund identifier is unsuccessful, the UE generates a financial coupon unfreezing request and sends the financial unfreezing request to the network side equipment to unfreeze the financial coupons; if the creation result comprises: and if the fund subscription corresponding to the fund identifier is successful, the UE generates a financial coupon use request and sends the financial coupon use request to the network side equipment to use the financial coupon. The technical scheme provided by the application has the advantage of reducing loss.
Description
Technical Field
The application relates to the technical field of electronic finance, in particular to a use method of financial coupons and a related product.
Background
When purchasing the fund product, the user can obtain additional income by selecting the corresponding interest adding ticket. The interest bearing instrument itself has its own applicable product categories including currency type funds, stock type funds, bond type funds, and the like. The interest-added ticket does not influence the normal transaction flow of the user, and the user can redeem (partially redeem or fully redeem) the fund purchased by the user at any time in the effective process of the interest-added ticket.
However, when the existing users purchase financial instruments (such as interest instruments) for fund use, the problem of multiple use can occur, and the multiple use can cause the loss of financial institutions.
Disclosure of Invention
The embodiment of the application discloses a financial note using method and a related product, and the financial notes are temporarily frozen when used, so that the repeated use of the financial notes is avoided, and the loss of a financial institution is reduced.
In a first aspect, a method for using financial instruments is provided, and the method is applied to User Equipment (UE), and the method includes the following steps:
UE initiates a fund subscription establishment request to network side equipment, wherein the subscription establishment request comprises: fund identification and financial coupons;
the method comprises the steps that UE generates a financial coupon freezing request, the financial coupon freezing request is sent to network side equipment, and the financial coupon freezing request is used for requesting the network side equipment to freeze financial coupons;
the UE receives a creation result returned by the network side equipment, wherein the creation result comprises: whether the fund corresponding to the fund identifier is successfully purchased or not;
if the creation result comprises: if the fund subscription corresponding to the fund identifier is unsuccessful, the UE generates a financial coupon unfreezing request and sends the financial unfreezing request to the network side equipment to unfreeze the financial coupons;
if the creation result comprises: and if the fund subscription corresponding to the fund identifier is successful, the UE generates a financial coupon use request and sends the financial coupon use request to the network side equipment to use the financial coupon.
In a second aspect, a user equipment is provided, the user equipment comprising:
a communication unit, configured to initiate a fund subscription creation request to a network-side device, where the subscription creation request includes: fund identification and financial coupons;
the processing unit is used for generating a financial coupon freezing request and sending the financial coupon freezing request to the network side equipment, wherein the financial coupon freezing request is used for requesting the network side equipment to freeze the financial coupons;
the communication unit is further configured to receive a creation result returned by the network-side device, where the creation result includes: whether the fund corresponding to the fund identifier is successfully purchased or not;
the processing unit is further configured to, if the creation result includes: if the fund subscription corresponding to the fund identifier is unsuccessful, generating a financial coupon unfreezing request, and sending the financial unfreezing request to network side equipment to unfreeze the financial coupons; if the creation result comprises: and if the fund subscription corresponding to the fund identifier is successful, generating a financial coupon use request, and sending the financial coupon use request to the network side equipment for using the financial coupon.
In a third aspect, there is provided an electronic device comprising a processor, a memory, a communication interface, and one or more programs stored in the memory and configured to be executed by the processor, the programs comprising instructions for performing the steps of the method of the first aspect.
A fourth aspect of embodiments of the present application discloses a computer-readable storage medium, which is characterized by storing a computer program for electronic data exchange, wherein the computer program causes a computer to execute the method of the first aspect.
A fifth aspect of embodiments of the present application discloses a computer program product, wherein the computer program product comprises a non-transitory computer-readable storage medium storing a computer program, the computer program being operable to cause a computer to perform some or all of the steps as described in the first aspect of embodiments of the present application. The computer program product may be a software installation package.
By implementing the embodiment of the application, after receiving the sharing instruction of the target object, the UE acquires all picture information of the sharing instruction; the UE identifies all the picture information to determine a key information area in all the picture information, wherein the key information area is a partial area in all the picture information; intercepting the key information area to obtain all key information pictures; and the UE splices the key information pictures to obtain shared pictures, and shares the shared pictures to a shared object. According to the technical scheme, the direction picture comprises the key information picture, redundant information is removed, invalid information sharing is avoided, and experience degree of financial information sharing is improved.
Drawings
The drawings used in the embodiments of the present application are described below.
Fig. 1 is a schematic structural diagram of a terminal according to an embodiment of the present application;
FIG. 2 is a flow chart diagram of a method for using financial instruments provided by an embodiment of the present application;
FIG. 3 is a flow chart of a financial coupon optimization method provided by an embodiment of the present application;
fig. 4 is a schematic structural diagram of a user equipment according to an embodiment of the present application;
fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Detailed Description
The embodiments of the present application will be described below with reference to the drawings.
The term "and/or" in this application is only one kind of association relationship describing the associated object, and means that there may be three kinds of relationships, for example, a and/or B, which may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the character "/" in this document indicates that the former and latter related objects are in an "or" relationship.
The "plurality" appearing in the embodiments of the present application means two or more. The descriptions of the first, second, etc. appearing in the embodiments of the present application are only for illustrating and differentiating the objects, and do not represent the order or the particular limitation of the number of the devices in the embodiments of the present application, and do not constitute any limitation to the embodiments of the present application. The term "connect" in the embodiments of the present application refers to various connection manners, such as direct connection or indirect connection, to implement communication between devices, which is not limited in this embodiment of the present application.
A terminal in the embodiments of the present application may refer to various forms of UE, access terminal, subscriber unit, subscriber station, mobile station, MS (mobile station), remote station, remote terminal, mobile device, user terminal, terminal device (terminal equipment), wireless communication device, user agent, or user equipment. The terminal device may also be a cellular phone, a cordless phone, an SIP (session initiation protocol) phone, a WLL (wireless local loop) station, a PDA (personal digital assistant) with a wireless communication function, a handheld device with a wireless communication function, a computing device or other processing device connected to a wireless modem, a vehicle-mounted device, a wearable device, a terminal device in a future 5G network or a terminal device in a future evolved PLMN (public land mobile network, chinese), and the like, which are not limited in this embodiment.
Referring to fig. 1, fig. 1 is a schematic structural diagram of a terminal disclosed in an embodiment of the present application, where the terminal 100 may be a user equipment UE, the terminal 100 includes a storage and processing circuit 110, and a sensor 170 connected to the storage and processing circuit 110, the sensor 170 may include a camera, a distance sensor, a gravity sensor, and the like, the electronic device may include two transparent display screens, the transparent display screens are disposed on a back side and a front side of the electronic device, and part or all of components between the two transparent display screens may also be transparent, so that the electronic device may be a transparent electronic device in terms of visual effect, and if part of the components are transparent, the electronic device may be a hollow electronic device. Wherein:
the terminal 100 may include control circuitry, which may include storage and processing circuitry 110. The storage and processing circuitry 110 may be a memory, such as a hard drive memory, a non-volatile memory (e.g., flash memory or other electronically programmable read-only memory used to form a solid state drive, etc.), a volatile memory (e.g., static or dynamic random access memory, etc.), etc., and the embodiments of the present application are not limited thereto. Processing circuitry in the storage and processing circuitry 110 may be used to control the operation of the terminal 100. The processing circuitry may be implemented based on one or more microprocessors, microcontrollers, digital signal processors, baseband processors, power management units, audio codec chips, application specific integrated circuits, display driver integrated circuits, and the like.
The storage and processing circuitry 110 may be used to run software in the terminal 100, such as an Internet browsing application, a Voice Over Internet Protocol (VOIP) telephone call application, an email application, a media playing application, operating system functions, and so forth. Such software may be used to perform control operations such as camera-based image capture, ambient light measurement based on an ambient light sensor, proximity sensor measurement based on a proximity sensor, information display functionality based on status indicators such as status indicator lights of light emitting diodes, touch event detection based on a touch sensor, functionality associated with displaying information on multiple (e.g., layered) display screens, operations associated with performing wireless communication functionality, operations associated with collecting and generating audio signals, control operations associated with collecting and processing button press event data, and other functions in the terminal 100, to name a few, embodiments of the present application are not limited.
The terminal 100 may include an input-output circuit 150. The input-output circuit 150 may be used to enable the terminal 100 to input and output data, i.e., to allow the terminal 100 to receive data from external devices and also to allow the terminal 100 to output data from the terminal 100 to external devices. The input-output circuit 150 may further include a sensor 170. Sensor 170 vein identification module, can also include ambient light sensor, proximity sensor based on light and electric capacity, fingerprint identification module, touch sensor (for example, based on light touch sensor and/or capacitanc touch sensor, wherein, touch sensor can be touch-control display screen's partly, also can regard as a touch sensor structure independent utility), acceleration sensor, the camera, and other sensors etc. the camera can be leading camera or rear camera, the fingerprint identification module can integrate in the display screen below, be used for gathering the fingerprint image, the fingerprint identification module can be: optical fingerprint module, etc., and is not limited herein. The front camera can be arranged below the front display screen, and the rear camera can be arranged below the rear display screen. Of course, the front camera or the rear camera may not be integrated with the display screen, and certainly in practical applications, the front camera or the rear camera may also be in a lifting structure, and the specific structure of the front camera or the rear camera is not limited in the specific embodiments of the present application.
Input-output circuit 150 may also include one or more display screens, and when multiple display screens are provided, such as 2 display screens, one display screen may be provided on the front of the electronic device and another display screen may be provided on the back of the electronic device, such as display screen 130. The display 130 may include one or a combination of liquid crystal display, transparent display, organic light emitting diode display, electronic ink display, plasma display, and display using other display technologies. The display screen 130 may include an array of touch sensors (i.e., the display screen 130 may be a touch display screen). The touch sensor may be a capacitive touch sensor formed by a transparent touch sensor electrode (e.g., an Indium Tin Oxide (ITO) electrode) array, or may be a touch sensor formed using other touch technologies, such as acoustic wave touch, pressure sensitive touch, resistive touch, optical touch, and the like, and the embodiments of the present application are not limited thereto.
The terminal 100 can also include an audio component 140. Audio component 140 may be used to provide audio input and output functionality for terminal 100. The audio components 140 in the terminal 100 may include a speaker, a microphone, a buzzer, a tone generator, and other components for generating and detecting sound.
The communication circuit 120 can be used to provide the terminal 100 with the capability to communicate with external devices. The communication circuit 120 may include analog and digital input-output interface circuits, and wireless communication circuits based on radio frequency signals and/or optical signals. The wireless communication circuitry in communication circuitry 120 may include radio-frequency transceiver circuitry, power amplifier circuitry, low noise amplifiers, switches, filters, and antennas. For example, the wireless Communication circuitry in Communication circuitry 120 may include circuitry to support Near Field Communication (NFC) by transmitting and receiving Near Field coupled electromagnetic signals. For example, the communication circuit 120 may include a near field communication antenna and a near field communication transceiver. The communications circuitry 120 may also include a cellular telephone transceiver and antenna, a wireless local area network transceiver circuitry and antenna, and so forth.
The terminal 100 may further include a battery, a power management circuit, and other input-output units 160. The input-output unit 160 may include buttons, joysticks, click wheels, scroll wheels, touch pads, keypads, keyboards, cameras, light emitting diodes and other status indicators, and the like.
A user may input commands through input-output circuitry 150 to control operation of terminal 100 and may use output data of input-output circuitry 150 to enable receipt of status information and other outputs from terminal 100.
Referring to FIG. 2, FIG. 2 provides a method for using financial instruments, which may be performed by a user equipment, as shown in FIG. 2, and the specific structure of the user equipment may be that of a terminal as shown in FIG. 1, as shown in FIG. 2, the method includes the following steps:
step S201, the UE initiates a fund subscription creation request to the network side device, where the subscription creation request includes: fund identification and financial coupons;
step S202, UE generates a financial coupon freezing request, and sends the financial coupon freezing request to network side equipment, wherein the financial coupon freezing request is used for requesting the network side equipment to freeze the financial coupon;
step S203, the UE receives a creation result returned by the network side device, where the creation result includes: whether the fund corresponding to the fund identifier is successfully purchased or not; if not, go to step S204, and if so, go to step S205.
Step S204, if the creating result comprises: if the fund subscription corresponding to the fund identifier is unsuccessful, the UE generates a financial coupon unfreezing request and sends the financial unfreezing request to the network side equipment to unfreeze the financial coupons;
step S205, if the creation result includes: and if the fund subscription corresponding to the fund identifier is successful, the UE generates a financial coupon use request and sends the financial coupon use request to the network side equipment to use the financial coupon.
According to the technical scheme provided by the application, the UE initiates a fund subscription establishment request to the network side equipment, wherein the subscription establishment request comprises: fund identification and financial coupons; the method comprises the steps that UE generates a financial coupon freezing request, the financial coupon freezing request is sent to network side equipment, and the financial coupon freezing request is used for requesting the network side equipment to freeze financial coupons; the UE receives a creation result returned by the network side equipment, wherein the creation result comprises: whether the fund corresponding to the fund identifier is successfully purchased or not; if the creation result comprises: if the fund subscription corresponding to the fund identifier is unsuccessful, the UE generates a financial coupon unfreezing request and sends the financial unfreezing request to the network side equipment to unfreeze the financial coupons; if the creation result comprises: and if the fund subscription corresponding to the fund identifier is successful, the UE generates a financial coupon use request and sends the financial coupon use request to the network side equipment to use the financial coupon. According to the scheme applied by the sample, the financial note freezing request is generated in the using process, namely the financial note is frozen in the early stage of the use of the financial note, so that other funds cannot use the financial note, and the loss of a financial institution is avoided.
In an optional aspect, the method further comprises:
and the UE determines a transaction confirmation mechanism and a transaction confirmation date of the fund according to the fund identifier, and determines the interest-added income corresponding to the fund identifier according to the interest-added start date, the interest-added end date, the transaction confirmation date and the interest-added amount of the financial instrument.
The transaction confirmation mechanisms described above are generally divided into several categories, for example: generally, the currency T +1 confirms, the non-currencies T +2 and T +3 confirm, wherein T is the time of the fund purchase establishment request, the following 1, 2 and 3 are trading days, and for the fund, the trading day is the stock opening date.
In an optional scheme, the determining, by the UE, the interest-added income corresponding to the fund identifier according to the interest-added start date, the interest-added end date, the transaction confirmation date, the redemption confirmation date and the interest-added amount of the financial instrument specifically includes:
if the interest sum is lower than the confirmed transaction amount, determining the interest sum as the income amount, and if the interest sum is higher than the confirmed transaction amount, determining the confirmed transaction amount as the income amount;
if the accrual start date is later than the confirmed transaction date and the accrual end date is earlier than the confirmed redemption date, the accrual yield is the amount of the profit (accrual amount) and the accrual rate (accrual end date-accrual end date);
if the interest-adding start date is later than the confirmed transaction date and the interest-adding end date is later than the confirmed redemption date, the interest-adding yield is the profit amount and the interest-adding rate (interest-adding end date-confirmed redemption date);
if the interest-adding start date is earlier than the confirmed transaction date and the interest-adding end date is earlier than the confirmed redemption date, the interest-adding yield is the amount of the benefit and the interest-adding rate (confirmed transaction date-confirmed redemption date);
if the interest-added start date is earlier than the confirmed transaction date and the interest-added end date is later than the confirmed redemption date, the interest-added benefit is the amount of benefit (interest amount) and the interest-added rate (interest-confirmed redemption date).
In an optional aspect, the method further comprises:
if the financial coupons have a plurality of financial coupons, the service times of the financial coupons are obtained, and the financial coupons are used according to the ascending sequence after the service times are arranged in the ascending sequence.
In an optional aspect, the method further comprises:
the UE receives a fund redemption request for the target object, the fund redemption request including: the amount of money to be redeemed,
the UE determines whether a first amount of a first financial instrument used earliest in time among the plurality of financial instruments is greater than or equal to a redemption amount,
if the first amount is larger than or equal to the redeemed amount, using a first financial instrument to interest the redeemed amount, and determining a first remaining amount as the unused amount of the first financial instrument, wherein the first remaining amount is the difference value between the first amount and the redeemed amount;
if the first amount is smaller than the redeemed amount, the first financial coupon is used for adding the first amount, a second amount of a second financial coupon used in the second morning in time among the financial coupons is determined, if the second amount is larger than the second remaining amount, the second financial coupon is used for adding the second remaining amount, a third remaining amount is determined as the unused amount of the second financial coupon, the second remaining amount is the difference value between the redeemed amount and the first amount, and the third remaining amount is the difference value between the second amount and the second remaining amount.
In order to calculate the profit in a detailed manner, the profit is optimized by the technical scheme, so that the user can understand how the interest reward is calculated, the amount of interest sum in the interest reward is calculated, and the interest generation is more in line with the product type of the fund. The present application mainly optimizes the following aspects, and a specific optimization flow is shown in fig. 3.
How to confirm the interest amount
The interest adding amount of the initial interest adding order is the purchase applying amount of the fund order. If the corresponding funds are subjected to redemption operation in the whole interest adding process, the interest adding amount in the whole interest adding period is not changed; if a redemption operation occurs and the subscription order has been confirmed, then the subsequent interest amount requires deduction of the redeemed portion. The smaller determined interest amount is selected from the subscription amount and the interest amount of the financial instrument, so that the accurate calculation of the interest amount can be carried out.
How to confirm redemption of the corresponding interest-bearing deduction amount
The redemption application amount and the redemption confirmation amount of the currency fund are the same, and after the currency fund initiates the redemption application, the corresponding amount is directly deducted from the asset. Therefore, the added and deducted amount of the redeemed currency fund is the redeemed application amount, and the added and deducted amount is deducted from the added and deducted amount at the successful time of the redeemed application.
The non-monetary fund redemption applications are in fact shares and each has its own redemption-confirmation mechanism, so only by the time the redemption application is confirmed can it be known how much money the user has actually redeemed. Therefore, after the non-currency fund is redeemed, the corresponding interest amount is deducted by the redemption confirmation time (generally, several days later), and the additional interest amount is generated before the confirmation time.
And a plurality of interest adding orders of the same fund are in interest adding, and the interest adding amount is deducted.
If no redemption operation occurs, all the order for adding are added separately without interference.
Deducting is carried out on the used order according to the principle of 'first-in first-out', if the remaining interest-added amount of the interest-added order is larger than the redemption confirmation amount, all redemption amounts are directly deducted from the interest-added order, and the whole deduction process is finished; if the redemption amount is larger than the remaining interest amount of the interest order, after the remaining interest amount of the interest order is deducted to 0 and the interest order is added and the redemption amount is deducted, the calculation is continued on the next interest order until the redemption amount is deducted to 0 or no interest order related to the fund exists.
In an optional scheme, the determining, by the UE, the transaction confirmation mechanism of the fund according to the fund identifier specifically includes:
if the fund identifier is a currency fund, determining that the transaction confirmation mechanism is T + 1;
if the fund identifier is a non-monetary fund, determining that the transaction confirmation mechanism is T +2 or T + 3;
and the T is the time of the fund subscription establishment request.
In an alternative, the method comprises:
if the fund identifier is a currency fund, generating a profit amount according to the financial coupons and the interest amount every natural day after the fund corresponding to the fund identifier is confirmed;
if the fund identifier is a non-currency fund, generating a profit amount according to the financial coupons and the interest amount every trading day after the fund corresponding to the fund identifier is confirmed.
In an optional aspect, the method may further include:
and the UE determines the identity of the user of the fund subscription creation request, determines the VIP grade corresponding to the identity according to the identity, and multiplies the financial coupon by the coefficient of the VIP grade according to the VIP grade. Different multiplication coefficients can be provided according to different users, and feedback to the VIP user is reflected.
The above-mentioned method for determining the identity of the user may adopt an existing identity confirmation method, such as face recognition, fingerprint recognition, etc., and certainly in practical applications, the identity confirmation method of the present application may also adopt a vein recognition method, and certainly in practical applications, the method for determining the identity of the user may also adopt face recognition of a neural network, and specifically may include:
the method comprises the steps that a terminal collects a face image of a target object, the face image is subjected to feature extraction to obtain an input matrix, multilayer convolution operation is carried out on the input matrix to obtain a convolution operation result, full-connection operation (specifically matrix multiplication matrix operation) is carried out on the convolution operation result to obtain a full-connection operation result, the full-connection operation result is compared with a preset template matrix to determine whether the full-connection operation result is similar to the preset template matrix, and if the full-connection operation result is similar to the preset template matrix, the target object is determined to be a first identity corresponding to the preset template. The step of comparing the full-connection operation result with a preset template matrix to determine whether the full-connection operation result is similar to the preset template matrix specifically may include: and calculating a difference value between the full-connection operation result and a preset module matrix to obtain a difference value matrix, if the difference value matrix is lower than a preset condition (for example, the maximum element value of the difference value matrix is smaller than a numerical threshold value and the like), determining similarity, and otherwise, determining dissimilarity.
In an optional scheme, when the fully-connected layer operation is performed and the fully-connected layer is a matrix multiplication operation, the method further comprises: obtaining input data and weight data in matrix multiplication, dividing a weight matrix corresponding to the weight data into n vectors (column values of the weight matrix) by columns, where each vector is a 1-column value in the weight matrix, and performing a storage operation and a calculation operation on each vector of the n vectors, where the storage operation may specifically include: determining the maximum number of the same element values in the α -th vector, arranging an element value β (β is a nonzero value) corresponding to the maximum value in the α -th vector to a head position (e.g., a first element position) of the α -th vector, generating a bitmap (bitmap in which the element value β is 1 if the element value in the α -th vector is β, and otherwise is 0, e.g., 10,8,9,10 is the α -th vector, and β is 10, and the bitmap is 1001), arranging the bitmap to another position (e.g., a second element position, and if the position is insufficient, determining the second and third element positions as another position) of the head of the α -th vector, arranging the remaining elements in the α -th vector after the deletion of the element value β to the subsequent position (except for the head position) of the α -th vector, and storing the α -th vector in ascending order of the row values of the α -th vector; the computing operation may specifically include: the face recognition terminal extracts an alpha 'vector and a row vector corresponding to the input data and the alpha' vector, adds element values of which bitmap is 1 in the row vector and then multiplies the added element values by a head position value of the alpha 'vector to obtain a product result, multiplies elements of the rest position of the row vector by corresponding element values of the rest position of the alpha' vector to obtain a product result, adds all the product results to obtain a full-connection operation result, performs storage operation and calculation operation on the input data and weight data to obtain a matrix multiplication result, and performs verification according to the matrix multiplication result. The verification method may be an existing method, for example, a difference value is calculated between a matrix multiplication result and a matrix multiplication result of a preset face module, and if the difference value is smaller than a similarity threshold, the identity of the target object is determined to be a first identity corresponding to the preset face module.
The technical scheme reduces the data volume of data storage and the number of multiplication operations, and takes an actual example as an example, for the element values in the matrix, 32 bits are occupied, if 64 elements exist in the alpha-th vector, 64 bits are needed by a bitmap, and each bit corresponds to whether each of the 64 elements is beta or not, so that the data volume stored is small as long as more than 3 element values are the same in the 64 elements, and in the actual application, the probability that vectors in the same column in weight data are the same is higher, so that the storage volume can be reduced, the data storage overhead is reduced, and the face recognition efficiency is improved.
Referring to fig. 4, fig. 4 provides a user equipment including:
a communication unit 401, configured to initiate a fund subscription creation request to a network-side device, where the subscription creation request includes: fund identification and financial coupons;
a processing unit 402, configured to generate a financial coupon freezing request, and send the financial coupon freezing request to a network-side device, where the financial coupon freezing request is used to request the network-side device to freeze the financial coupon;
the communication unit 401 is further configured to receive a creation result returned by the network-side device, where the creation result includes: whether the fund corresponding to the fund identifier is successfully purchased or not;
the processing unit 402 is further configured to, if the creation result includes: if the fund subscription corresponding to the fund identifier is unsuccessful, generating a financial coupon unfreezing request, and sending the financial unfreezing request to network side equipment to unfreeze the financial coupons; if the creation result comprises: and if the fund subscription corresponding to the fund identifier is successful, generating a financial coupon use request, and sending the financial coupon use request to the network side equipment for using the financial coupon.
The specific processing manner of the processing unit in the terminal shown in fig. 4 may refer to the description of the embodiment shown in fig. 2, which is not described herein again.
Referring to fig. 5, fig. 5 is an electronic device 50 provided in an embodiment of the present application, where the electronic device 50 includes a processor 501, a memory 502, and a communication interface 503, and the processor 501, the memory 502, and the communication interface 503 are connected to each other through a bus.
The memory 502 includes, but is not limited to, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM), or a portable read-only memory (CD-ROM), and the memory 502 is used for related computer programs and data. The communication interface 503 is used to receive and transmit data.
The processor 501 may be one or more Central Processing Units (CPUs), and in the case that the processor 501 is one CPU, the CPU may be a single-core CPU or a multi-core CPU.
The processor 501 in the device 50 is adapted to read the computer program code stored in said memory 502 and to perform the following operations:
UE initiates a fund subscription establishment request to network side equipment, wherein the subscription establishment request comprises: fund identification and financial coupons;
the method comprises the steps that UE generates a financial coupon freezing request, the financial coupon freezing request is sent to network side equipment, and the financial coupon freezing request is used for requesting the network side equipment to freeze financial coupons;
the UE receives a creation result returned by the network side equipment, wherein the creation result comprises: whether the fund corresponding to the fund identifier is successfully purchased or not;
if the creation result comprises: if the fund subscription corresponding to the fund identifier is unsuccessful, the UE generates a financial coupon unfreezing request and sends the financial unfreezing request to the network side equipment to unfreeze the financial coupons;
if the creation result comprises: and if the fund subscription corresponding to the fund identifier is successful, the UE generates a financial coupon use request and sends the financial coupon use request to the network side equipment to use the financial coupon.
In an alternative, the computer program code stored in the memory 502 may further perform the following operations:
if the interest sum is lower than the confirmed transaction amount, determining the interest sum as the income amount, and if the interest sum is higher than the confirmed transaction amount, determining the confirmed transaction amount as the income amount;
if the accrual start date is later than the confirmed transaction date and the accrual end date is earlier than the confirmed redemption date, the accrual yield is the amount of the profit (accrual amount) and the accrual rate (accrual end date-accrual end date);
if the interest-adding start date is later than the confirmed transaction date and the interest-adding end date is later than the confirmed redemption date, the interest-adding yield is the profit amount and the interest-adding rate (interest-adding end date-confirmed redemption date);
if the interest-adding start date is earlier than the confirmed transaction date and the interest-adding end date is earlier than the confirmed redemption date, the interest-adding yield is the amount of the benefit and the interest-adding rate (confirmed transaction date-confirmed redemption date);
if the interest-added start date is earlier than the confirmed transaction date and the interest-added end date is later than the confirmed redemption date, the interest-added benefit is the amount of benefit (interest amount) and the interest-added rate (interest-confirmed redemption date).
In an alternative, the computer program code stored in the memory 502 may further perform the following operations:
if the financial coupons have a plurality of financial coupons, the service times of the financial coupons are obtained, and the financial coupons are used according to the ascending sequence after the service times are arranged in the ascending sequence.
In an alternative, the computer program code stored in the memory 502 may further perform the following operations:
receiving a fund redemption request for the target object, the fund redemption request comprising: a redemption amount, determining whether a first amount of a first financial coupon used earliest in time among the plurality of financial coupons is greater than or equal to the redemption amount,
if the first amount is larger than or equal to the redeemed amount, using a first financial instrument to interest the redeemed amount, and determining a first remaining amount as the unused amount of the first financial instrument, wherein the first remaining amount is the difference value between the first amount and the redeemed amount;
if the first amount is smaller than the redeemed amount, the first financial coupon is used for adding the first amount, a second amount of a second financial coupon used in the second morning in time among the financial coupons is determined, if the second amount is larger than the second remaining amount, the second financial coupon is used for adding the second remaining amount, a third remaining amount is determined as the unused amount of the second financial coupon, the second remaining amount is the difference value between the redeemed amount and the first amount, and the third remaining amount is the difference value between the second amount and the second remaining amount.
In an alternative, the computer program code stored in the memory 502 may further perform the following operations:
if the fund identifier is a currency fund, determining that the transaction confirmation mechanism is T + 1;
if the fund identifier is a non-monetary fund, determining that the transaction confirmation mechanism is T +2 or T + 3;
and the T is the time of the fund subscription establishment request.
In an alternative, the computer program code stored in the memory 502 may further perform the following operations:
if the fund identifier is a currency fund, generating a profit amount according to the financial coupons and the interest amount every natural day after the fund corresponding to the fund identifier is confirmed;
if the fund identifier is a non-currency fund, generating a profit amount according to the financial coupons and the interest amount every trading day after the fund corresponding to the fund identifier is confirmed.
An embodiment of the present application further provides a computer-readable storage medium, in which a computer program is stored, and when the computer program runs on a network device, the method flow shown in fig. 2 is implemented.
An embodiment of the present application further provides a computer program product, and when the computer program product runs on a terminal, the method flow shown in fig. 2 is implemented.
Embodiments of the present application also provide a terminal including a processor, a memory, a communication interface, and one or more programs stored in the memory and configured to be executed by the processor, the programs including instructions for performing the steps in the method of the embodiment shown in fig. 2.
The above description has introduced the solution of the embodiment of the present application mainly from the perspective of the method-side implementation process. It will be appreciated that the electronic device, in order to carry out the functions described above, may comprise corresponding hardware structures and/or software templates for performing the respective functions. Those of skill in the art will readily appreciate that the present application is capable of hardware or a combination of hardware and computer software implementing the various illustrative elements and algorithm steps described in connection with the embodiments provided herein. Whether a function is performed as hardware or computer software drives hardware depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
In the embodiment of the present application, the electronic device may be divided into the functional units according to the method example, for example, each functional unit may be divided corresponding to each function, or two or more functions may be integrated into one processing unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit. It should be noted that the division of the unit in the embodiment of the present application is schematic, and is only a logic function division, and there may be another division manner in actual implementation.
It should be noted that, for simplicity of description, the above-mentioned method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the present application is not limited by the order of acts described, as some steps may occur in other orders or concurrently depending on the application. Further, those skilled in the art will also appreciate that the embodiments described in the specification are presently preferred and that no acts or templates referred to are necessarily required by the application.
In the foregoing embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus may be implemented in other manners. For example, the above-described embodiments of the apparatus are merely illustrative, and for example, the above-described division of the units is only one type of division of logical functions, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of some interfaces, devices or units, and may be an electric or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit may be stored in a computer readable memory if it is implemented in the form of a software functional unit and sold or used as a stand-alone product. Based on such understanding, the technical solution of the present application may be substantially implemented or a part of or all or part of the technical solution contributing to the prior art may be embodied in the form of a software product stored in a memory, and including several instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the above-mentioned method of the embodiments of the present application. And the aforementioned memory comprises: a U-disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a removable hard disk, a magnetic or optical disk, and other various media capable of storing program codes.
Those skilled in the art will appreciate that all or part of the steps in the methods of the above embodiments may be implemented by associated hardware instructed by a program, which may be stored in a computer-readable memory, which may include: flash Memory disks, Read-Only memories (ROMs), Random Access Memories (RAMs), magnetic or optical disks, and the like.
The foregoing detailed description of the embodiments of the present application has been presented to illustrate the principles and implementations of the present application, and the above description of the embodiments is only provided to help understand the method and the core concept of the present application; meanwhile, for a person skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.
Claims (10)
1. A method for using financial coupons is applied to User Equipment (UE), and comprises the following steps:
UE initiates a fund subscription establishment request to network side equipment, wherein the subscription establishment request comprises: fund identification and financial coupons;
the method comprises the steps that UE generates a financial coupon freezing request, the financial coupon freezing request is sent to network side equipment, and the financial coupon freezing request is used for requesting the network side equipment to freeze financial coupons;
the UE receives a creation result returned by the network side equipment, wherein the creation result comprises: whether the fund corresponding to the fund identifier is successfully purchased or not;
if the creation result comprises: if the fund subscription corresponding to the fund identifier is unsuccessful, the UE generates a financial coupon unfreezing request and sends the financial unfreezing request to the network side equipment to unfreeze the financial coupons;
if the creation result comprises: and if the fund subscription corresponding to the fund identifier is successful, the UE generates a financial coupon use request and sends the financial coupon use request to the network side equipment to use the financial coupon.
2. The method of claim 1, further comprising:
and the UE determines a transaction confirmation mechanism and a transaction confirmation date of the fund according to the fund identifier, and determines the interest-added income corresponding to the fund identifier according to the interest-added start date, the interest-added end date, the transaction confirmation date and the interest-added amount of the financial instrument.
3. The method according to claim 2, wherein the UE determining the interest-added income corresponding to the fund identifier according to the interest-added start date, the interest-added end date, the transaction confirmation date, the redemption confirmation date and the interest-added amount of the financial instrument specifically comprises:
if the interest sum is lower than the confirmed transaction amount, determining the interest sum as the income amount, and if the interest sum is higher than the confirmed transaction amount, determining the confirmed transaction amount as the income amount;
if the accrual start date is later than the confirmed transaction date and the accrual end date is earlier than the confirmed redemption date, the accrual yield is the amount of the profit (accrual amount) and the accrual rate (accrual end date-accrual end date);
if the interest-adding start date is later than the confirmed transaction date and the interest-adding end date is later than the confirmed redemption date, the interest-adding yield is the profit amount and the interest-adding rate (interest-adding end date-confirmed redemption date);
if the interest-adding start date is earlier than the confirmed transaction date and the interest-adding end date is earlier than the confirmed redemption date, the interest-adding yield is the amount of the benefit and the interest-adding rate (confirmed transaction date-confirmed redemption date);
if the interest-added start date is earlier than the confirmed transaction date and the interest-added end date is later than the confirmed redemption date, the interest-added benefit is the amount of benefit (interest amount) and the interest-added rate (interest-confirmed redemption date).
4. The method of claim 1, further comprising:
if the financial coupons have a plurality of financial coupons, the service times of the financial coupons are obtained, and the financial coupons are used according to the ascending sequence after the service times are arranged in the ascending sequence.
5. The method of claim 4, further comprising:
the UE receives a fund redemption request for the target object, the fund redemption request including: the amount of money to be redeemed,
the UE determines whether a first amount of a first financial instrument used earliest in time among the plurality of financial instruments is greater than or equal to a redemption amount,
if the first amount is larger than or equal to the redeemed amount, using a first financial instrument to interest the redeemed amount, and determining a first remaining amount as the unused amount of the first financial instrument, wherein the first remaining amount is the difference value between the first amount and the redeemed amount;
if the first amount is smaller than the redeemed amount, the first financial coupon is used for adding the first amount, a second amount of a second financial coupon used in the second morning in time among the financial coupons is determined, if the second amount is larger than the second remaining amount, the second financial coupon is used for adding the second remaining amount, a third remaining amount is determined as the unused amount of the second financial coupon, the second remaining amount is the difference value between the redeemed amount and the first amount, and the third remaining amount is the difference value between the second amount and the second remaining amount.
6. The method of claim 2, wherein the determining, by the UE, the transaction confirmation mechanism for the fund based on the fund identifier specifically comprises:
if the fund identifier is a currency fund, determining that the transaction confirmation mechanism is T + 1;
if the fund identifier is a non-monetary fund, determining that the transaction confirmation mechanism is T +2 or T + 3;
and the T is the time of the fund subscription establishment request.
7. The method of claim 6, wherein the method comprises:
if the fund identifier is a currency fund, generating a profit amount according to the financial coupons and the interest amount every natural day after the fund corresponding to the fund identifier is confirmed;
if the fund identifier is a non-currency fund, generating a profit amount according to the financial coupons and the interest amount every trading day after the fund corresponding to the fund identifier is confirmed.
8. A user equipment, the user equipment comprising:
a communication unit, configured to initiate a fund subscription creation request to a network-side device, where the subscription creation request includes: fund identification and financial coupons;
the processing unit is used for generating a financial coupon freezing request and sending the financial coupon freezing request to the network side equipment, wherein the financial coupon freezing request is used for requesting the network side equipment to freeze the financial coupons;
the communication unit is further configured to receive a creation result returned by the network-side device, where the creation result includes: whether the fund corresponding to the fund identifier is successfully purchased or not;
the processing unit is further configured to, if the creation result includes: if the fund subscription corresponding to the fund identifier is unsuccessful, generating a financial coupon unfreezing request, and sending the financial unfreezing request to network side equipment to unfreeze the financial coupons; if the creation result comprises: and if the fund subscription corresponding to the fund identifier is successful, generating a financial coupon use request, and sending the financial coupon use request to the network side equipment for using the financial coupon.
9. An electronic device comprising a processor, a memory, a communication interface, and one or more programs stored in the memory and configured to be executed by the processor, the programs including instructions for performing the steps of the method of any of claims 1-7.
10. A computer-readable storage medium, characterized in that a computer program for electronic data exchange is stored, wherein the computer program causes a computer to perform the method according to any one of claims 1-7.
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| CN202011533194.3A CN112529714A (en) | 2020-12-22 | 2020-12-22 | Using method of financial instrument and related product |
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| CN202011533194.3A CN112529714A (en) | 2020-12-22 | 2020-12-22 | Using method of financial instrument and related product |
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