CN112651834A

CN112651834A - Fund data processing method, device, system, computer equipment and storage medium

Info

Publication number: CN112651834A
Application number: CN202011575609.3A
Authority: CN
Inventors: 刘峰; 史朝亚
Original assignee: Suning Financial Technology Nanjing Co Ltd
Current assignee: Suning Financial Technology Nanjing Co Ltd
Priority date: 2020-12-28
Filing date: 2020-12-28
Publication date: 2021-04-13
Also published as: CA3143827A1

Abstract

The application relates to a fund data processing method, device, system, computer equipment and storage medium. The method comprises the following steps: acquiring the procurement condition of the target fund and the default procurement share corresponding to the procurement condition, and generating a first monitoring task according to the procurement condition; after the first monitoring task is generated, obtaining the latest estimated value of the target fund, and generating a procurement order of the target fund according to the default procurement share when the latest estimated value meets the procurement condition; after the procurement order takes effect, generating a second monitoring task and a virtual account of the procurement order, wherein the virtual account is used for recording the identification information and the real-time share of the procurement order; after the second monitoring task is generated, determining a profit value of the purchase requisition according to the real-time share; and generating a first redemption request according to the identification information and the real-time share when the profit value meets a preset first profit condition. By adopting the method, the operation time of the user can be saved, and the misoperation risk of the user is reduced.

Description

Fund data processing method, device, system, computer equipment and storage medium

Technical Field

The present application relates to the field of computer data processing technologies, and in particular, to a fund data processing method, apparatus, system, computer device, and storage medium.

Background

With the continuous development of network technology, more and more users choose to buy fund products for financing through a third-party platform provided by the internet.

With the increasing number of online funds and the increasing number of related functions, the number of users and the investment amount are increased continuously, and most non-professional users may choose a fixed-investment mode when making fund investment, namely, the users want to disperse investment risks through regular fixed-amount investment, and obtain higher investment income.

However, in the conventional fixed-investment manner, in the process of providing a digital service of fund investment for a user, the investment time point and the selling time point need to depend on the decision of the user, and perform corresponding operations, for example, the user needs to determine a better selling time and selling quantity according to the total purchase share of the target fund by himself/herself through experience or memory, and sometimes when the user performs selling operation on the total purchase share of the target fund, the user may also suffer property loss due to human error operations (such as mistaken sale shares).

Disclosure of Invention

In view of the above, it is desirable to provide a fund data processing method, device, system, computer device and storage medium capable of saving time and labor and reducing the risk of user misoperation.

A fund data processing method, comprising:

acquiring the procurement condition of the target fund and the default procurement share corresponding to the procurement condition, and generating a first monitoring task according to the procurement condition;

after the first monitoring task is generated, obtaining the latest estimation value of the target fund, and generating a procurement order of the target fund according to the default procurement share when the latest estimation value meets the procurement condition;

after the procurement order takes effect, generating a second monitoring task and a virtual account of the procurement order, wherein the virtual account is used for recording the identification information and the real-time share of the procurement order;

after the second monitoring task is generated, determining a profit value of the purchase order according to the real-time share;

and generating a first redemption request according to the identification information and the real-time share when the profit value meets a preset first profit condition.

In one embodiment, the method further comprises: acquiring a first reference value of the target fund;

when the latest evaluation value meets the procurement condition, generating the procurement order of the target fund according to the default procurement share, including: and when the current date is a trading date and the latest evaluation value is smaller than the first reference value, generating an application purchase order of the target fund according to the default application purchase share.

In one embodiment, the method further comprises: acquiring a second reference value of the target fund, wherein the second reference value is larger than the first reference value;

when the latest evaluation value meets the procurement condition, generating the procurement order of the target fund according to the default procurement share, further comprising: and when the current date is a trading day and the latest valuation is between the first reference value and the second reference value, reducing the default procurement share, and generating the procurement order according to the reduced default procurement share.

In one embodiment, the method further comprises:

before acquiring the procurement conditions of the target fund and the default procurement share corresponding to the procurement conditions, acquiring the latest valuation of the procureable fund and historical valuation data in a specified historical time period; wherein the purchasable fund comprises the target fund;

determining a first reference value and a second reference value of the fund available for subscription according to the historical valuation data;

generating a fund list comprising identification information, latest evaluation value, first reference value and second reference value of the applicable fund, and sending the fund list to the first terminal for displaying, preferably, the fund list further comprises an application link of the applicable fund, and the applicable fund comprises the target fund.

In one embodiment, the method further comprises:

acquiring service operation information, wherein the service operation information is used for recording the change result of the fund service operation; wherein the fund business operation comprises a strong redemption operation, a strong enhancement operation, or a bonus re-projection operation;

determining a change value of a total share held by a user according to the service operation information;

and updating the real-time share corresponding to the procurement order according to the change value.

In one embodiment, the method further comprises:

obtaining the latest total share held by the user according to the service operation information;

after the real-time shares corresponding to the procurement orders are updated, adding the real-time shares of all the procurement orders to obtain a added value;

when a difference exists between the added value and the latest total share, determining the procurement order with the largest real-time share, and taking the sum of the difference and the largest real-time share as the latest real-time share of the procurement order.

In one embodiment, the method comprises:

generating a plurality of said procurement orders;

generating a third monitoring task after the purchase order takes effect;

determining a total profit value corresponding to the plurality of copies of the procurement order according to the third monitoring task and the real-time shares of the plurality of copies of the order;

generating a second redemption request when the total profit value satisfies a preset second profit condition.

A fund data processing apparatus comprising:

the system comprises a first task generation module, a second task generation module and a monitoring task execution module, wherein the first task generation module is used for acquiring the procurement conditions of the target fund and default procurement shares corresponding to the procurement conditions and generating a first monitoring task according to the procurement conditions;

the order generation module is used for acquiring the latest estimated value of the target fund after the first monitoring task is generated, and generating a procurement order of the target fund according to the default procurement share when the latest estimated value meets the procurement condition;

the second task generation module is used for generating a second monitoring task and a virtual account of the purchase order after the purchase order takes effect, and the virtual account is used for recording the identification information and the real-time share of the purchase order;

the first profit determining module is used for determining a profit value of the procurement order according to the real-time share after the second monitoring task is generated;

a first redemption module for generating a first redemption request according to the identification information and the real-time share when the profit value satisfies a preset first profit condition.

A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the following steps when executing the computer program:

A computer-readable storage medium, on which a computer program is stored which, when executed by a processor, carries out the steps of:

According to the fund data processing method, the fund data processing device, the fund data processing system, the fund data processing computer device and the fund data processing storage medium, when the fund data processing method is implemented, the investment time point of the target fund is determined through the first monitoring task, namely when the valuation level of the target fund meets the procurement condition, the selling time point of the target fund is determined through the second monitoring task, namely when the income value of the procurement order meets the preset first income condition, meanwhile, the processes of generating the procurement order and the first redemption request can be carried out without any operation of a user, time and labor are saved for the user, the redeeming share is determined according to the real-time share of the procurement order, the user input is not needed, and the operation error risk of the user can be reduced. Meanwhile, according to the latest valuation of the target fund, the operation of subscription and redemption is performed by combining the subscription condition and the first income condition, the probability of generating income can be improved, and the risk of fund loss of the user is reduced.

Drawings

FIG. 1(a) is a diagram of an application environment of a fund data processing method in one embodiment;

FIG. 1(b) is a diagram of another application environment of the fund data processing method in one embodiment;

FIG. 2 is a schematic flow chart of a fund data processing method according to an embodiment;

FIG. 3 is a flow diagram that relates to generating a second monitoring task in one embodiment;

FIG. 4 is a schematic flow diagram that relates to generating a subscription order based on recent valuations, in one embodiment;

FIG. 5 is a schematic flow chart diagram illustrating steps involved in generating a fund list in one embodiment;

FIG. 6 is a schematic flow diagram that relates to the generation of a second redemption request based on the total profit value in one embodiment;

FIG. 7 is a block diagram showing the construction of a fund data processing apparatus according to an embodiment;

FIG. 8 is a diagram illustrating an internal structure of a computer device according to an embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

The fund data processing method provided by the application can be applied to the application environment shown in fig. 1 (a). The first server 101 and the second server 102 can communicate through a network, and the second server 102 and the second terminal 103 can communicate through the network, for example, the first server 101 can send a purchase requisition order or a first redemption request to the second server 102, the second server 102 generates purchase requisition information according to the purchase requisition order, and sends the purchase requisition information to the second terminal 103; the second server 102 may also generate first redemption transaction information based on the first redemption request, and transmit the first redemption transaction information to the second terminal 103.

The second terminal 103 may be, but not limited to, various computers, communication devices, and data processing devices, and the first server 101 or the second server 102 may be implemented by a stand-alone server or a server cluster composed of a plurality of servers.

Of course, the application environment shown in fig. 1(a) is only one of the common application environments, and the fund data processing method provided by the present application is not limited to the above application environments, for example, in fig. 1(b), the third server 104 directly performs network communication with the second terminal 103, and this case is divided into two cases. In the first case, the third server 104 is used to perform the steps of the first server 101 and the second server 102. In the second case, the third server 104 is used to execute the fund data processing method, and the generated purchase requisition or first redemption request is directly in accordance with the format required by the second terminal 103, at this time, the third server 104 directly transmits the purchase requisition or first redemption request to the second terminal 103.

In one embodiment, as shown in fig. 2, a fund data processing method is provided, which is described by taking the first server 101 in fig. 1(a) as an example, and includes the following steps:

step S201, acquiring the procurement condition of the target fund and a default procurement share corresponding to the procurement condition, and generating a first monitoring task according to the procurement condition;

step S202, after the first monitoring task is generated, the latest estimation value of the target fund is obtained, and when the latest estimation value meets the procurement condition, the procurement order of the target fund is generated according to the default procurement share;

step S203, after the procurement order takes effect, generating a second monitoring task and a virtual account of the procurement order, wherein the virtual account is used for recording the identification information and the real-time share of the procurement order;

step S204, after the second monitoring task is generated, the income value of the purchase requisition is determined according to the real-time share;

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

In one embodiment, in the application environment shown in FIG. 1(b), the third server 104 is configured to perform steps S201-S205.

Generally, there are third party entities outside of the fund company that can accept the user's commitment to conduct fund transactions with the fund company. In terms of technology, generally, a user operates a first terminal (for example, a mobile phone, a computer, or the like) to send a user agreement signing request to a server of a third-party organization, and the server of the third-party organization generates a user agreement and takes effect after being confirmed by the first terminal; the third party institution may then operate to invest in funds by communicating with the second terminal 103 of the fund company, for example, to transmit purchase-applying transaction information or redemption transaction information, in accordance with the authorization conditions of the user agreement. Such a transaction and technical implementation between the user, the third-party organization, and the fund company is common and not overly extensive. It is further noted herein that, after the background description, the above-mentioned steps S201 to S205 relate to a data processing flow of the server of the third party institution, and particularly to a data processing flow of a fund subscription or fund redemption flow. The server of the third party authority includes, but is not limited to, the first server 101. In addition, it will be mentioned below that the above steps S201 to S205 are different from the conventional fund data processing method.

In step S201, the target fund is a fund that the user determines to be required to make a purchase, and the fund in the market is diversified, and the kind of the fund is not particularly limited.

Regarding the procurement conditions and default procurement share. The procurement conditions are mainly used for helping to determine the procurement time of the target fund, namely for helping to determine when the procurement operation of the target fund is carried out. The procurement conditions and the procurement quota (namely the default procurement share) also have a corresponding relationship, namely the quantity of the procurement shares can be determined through the specific procurement conditions.

The respective default procurement share can be one numerical value or more when the procurement conditions are satisfied. For example, a first reference value may be set based on the latest estimate of the fund as a judgment basis, and when the latest estimate of the fund is smaller than the first reference value, the subscription condition is considered to be satisfied, otherwise, the subscription condition is considered not to be satisfied; at this time, the procurement share a may be preset as a default procurement share to correspond to the case when the procurement conditions are satisfied; thus, when the procurement conditions are satisfied, the procurement of the fund can be performed with the procurement share a as the default procurement share. For another example, a first reference value and a second reference value may be set, the first reference value is smaller than the second reference value, the two cases that the latest estimate of the fund is smaller than the first reference value and the latest estimate is not smaller than the first reference value and not larger than the second reference value are both considered as satisfying the subscription condition, and at this time, the subscription share B may be preset as a default subscription share to correspond to the case that the latest estimate is smaller than the first reference value; the procurement share C may be preset as a default procurement share to correspond to a case where the latest evaluation value is not less than the first reference value and not more than the second reference value. It can be seen that one procurement condition may correspond to different default procurement shares, and one procurement condition may correspond to one procurement share or more default procurement shares, depending on the specific content.

The default procurement share refers to the share of the default procurement fund when the procurement conditions are met. Generally, the value of the default procurement share can be directly obtained by reading the content of the user agreement, can be readjusted according to the instruction of the first terminal, and can be adjusted according to other manners authorized by the user agreement, for example, the value of the default procurement share is adjusted according to the target profitability.

Regarding the first monitoring task. The first monitoring task is used for monitoring whether the procurement conditions are met or not and generating the procurement order when the procurement conditions are met. In general, the end-of-life monitoring task may be set as a regularly executed task, and the first monitoring task may be triggered by a timed trigger signal, for example, the first monitoring task may be triggered every transaction day.

In step S202, the subscription order is used to record the fund share to be subscribed, and of course, may be further used to record information of a subscription time, where the subscription time may be a current trading day, other trading days, or a non-trading day, and is not limited herein. Generally, if the procurement order directly conforms to the format of the procurement transaction agreement required by the fund company, the procurement transaction may be conducted by directly transmitting the procurement order to the second terminal 103 of the fund company. It is needless to say that, in some cases, as shown in fig. 1(a), the subscription order is sent to the second server 102, and is directly forwarded by the second server 102, or the subscription transaction information meeting the requirements of the fund company is generated according to the subscription order, and then the subscription transaction information is sent to the second terminal 103 by the second server 102 to perform the subscription transaction.

In step S203, the second monitoring task is used to update the virtual account and determine the profit value, and generate the first redemption request when the first profit condition is satisfied. The investment amount can be divided into multiple times and multiple copies for fund subscription, so that a second monitoring task can be generated for each subscription order, and profit information corresponding to the single subscription order is monitored by executing each second monitoring task. In general, the second monitoring task may be set as a task that is executed periodically, and may be triggered by a timed trigger signal, for example, the second monitoring task may be triggered every transaction day.

The virtual account may be understood as account information set for a user for performing a targeted fund share refinement management. For a target fund, a virtual account may be used to record a user's share of the fund. Conventionally, the total purchase share of the user is recorded, and the user needs to make a decision according to the total purchase share when performing fund redemption. In this application, after the procurement order is validated, it means that a new record of default procurement shares is generated in the virtual account, and the first server 101 can obtain the final revenue value generated by each default procurement share by tracking the fluctuation of the value of the default procurement share due to the fund operation. The real-time share and the default subscription share are numerically equal at the beginning of the fulfillment of the subscription order, but as the fund transaction operations (described in more detail below) such as redemption, enhancement, reimbursement, etc. occur, the total subscription share of the user changes, corresponding to the change in the initial value of the default subscription share for each subscription order in the subsequent process, to another value, which is the real-time share value. As can be seen, the real-time share can be used to represent the changing results of the default subscription share due to the operation of the fund service.

Identification information regarding the procurement order. The method is mainly used for helping to distinguish real-time shares corresponding to different procurement orders. For example, the designations "order a" and "order b" may be used to indicate two different orders for a subscription, and "order a: 50 parts "and" order b: 100 shares "of such information to represent different identities in the virtual account and corresponding real-time shares. Of course, many other ways to distinguish the different purchase order and the corresponding real-time share may be used, and are not limited herein. In some cases, when the fund is redeemed with the real-time share corresponding to the mark of a certain purchase-applied order as a redemption share, the mark of the purchase-applied order and the information of the real-time share can be deleted in the virtual account.

In step S204, the virtual account is updated generally subject to a fund business operation, including but not limited to the redemption of the fund or the addition of a fund subscription share. Determining the profit value of the subscription order according to the real-time share means that the profit values corresponding to the multiple subscription orders are respectively determined when the multiple subscription orders exist. The method for determining the profit value can adopt an existing method or can be determined according to a self-set calculation formula. Generally, the profit margin can be determined based on the valuation or the net worth of the target fund, and also based on the set first profit condition, which parameter is used for the profit margin, for example, the profit margin may be the profit margin. In some cases, the benefit value may be determined according to the following equation:

P＝NV·M+Q-R；

wherein P is a revenue value corresponding to a certain procurement order, NV is a net value corresponding to the procurement order, M is a real-time share corresponding to the procurement order, Q is a refund amount corresponding to the procurement order, and R is an investment amount corresponding to the procurement order at the beginning.

After the procurement order takes effect, the default procurement share of the procurement order changes due to the fund business operation, namely the value of the real-time share changes, so the income value generally shows a fluctuating state, and one of the targets of the monitoring task is to monitor or record the change condition of the income value.

In step S205, the first benefit condition may be set according to the target benefit rate, for example, the first benefit condition may be that a preset target benefit rate is reached; the first profit condition may also be set according to the profit amount, for example, the first profit condition may be that a preset profit amount is reached; the first benefit condition may also be set based on an estimate or a net worth of the target fund, for example the first benefit condition may be that the estimate or net worth of the target fund is greater than a preset threshold. In summary, the first profit condition may be various and is not particularly limited herein. In principle, the first profit condition is used to determine whether the profit generated by a certain purchase order reaches a preset value, and the principle is needed to be used as a basis when the first profit condition is set. It should be noted that different first revenue conditions may be set for different order plans, or the same first revenue conditions may be set for two or more order plans.

Regarding the first redemption request. In some embodiments, the first redemption request is not information sent directly to the second terminal 103 of the fund company, in which case the first redemption information is primarily for use in determining a redemption share, upon which the first redemption transaction information can be generated by the first server 101; of course, the first redemption transaction information may also be generated by other servers, such as the second server 102 generating the first redemption transaction information and then issuing the first redemption transaction information to the second terminal 103 of the fund company for redemption transaction as in fig. 1 (a).

The steps S201 to S205 are characterized in that the user is not required to spend too much time to pay attention to the income of the fund that has been purchased, and the user is not required to calculate and calculate the reasonable redemption share according to the total fund share that has been purchased, and the above steps are performed by the first server 101 or the third server 104, so that the fund data processing method that is different from the conventional fund data processing method that calculates the reasonable redemption share by taking the total purchase share as the basis of the income calculation can be realized. When the method is specifically implemented, the investment time point of the target fund is determined by the first monitoring task, namely the valuation level of the target fund meets the procurement condition, the selling time point of the target fund is determined by the second monitoring task, namely the income value of the procurement order meets the preset first income condition, meanwhile, the processes of generating the procurement order and the first redemption request can be realized without any operation of a user, time and labor are saved for the user, the redeeming share is determined according to the real-time share of the procurement order, the user input is not required, and the misoperation risk of the user can be reduced. Meanwhile, according to the latest valuation of the target fund, the operation of subscription and redemption is performed by combining the subscription condition and the first income condition, the probability of generating income can be improved, and the risk of fund loss of the user is reduced.

In one embodiment, before performing step S201, the first server 101 may first obtain a user agreement for determining a target fund to be invested; and then determining the procurement conditions and the corresponding default procurement shares of the target fund according to the user protocol.

In one embodiment, as shown in fig. 3, the fund data processing method further includes step S301: acquiring a first reference value of the target fund; accordingly, step S202 includes: step S2021, when the current date is the trading date and the latest evaluation value is less than the first reference value, generating an procurement order of the target fund according to the default procurement share. As mentioned above, the estimate of the fund may be calculated in an existing manner or may be calculated in a custom manner. The latest estimate of the target fund refers to the estimate of the target fund within a specified latest time frame. In a common case, the latest estimate may refer to the estimate of the day of the trade.

In one calculation, when the target fund is an exponential fund, the formula for the estimate is:

V＝F(100-PBx)；

where V represents the valuation, F () represents rounding, and PBx represents the historical quantile of the net rate. When determining the historical quantiles, the historical duration corresponding to the selected historical evaluation data can be self-defined and can be generally selected by taking years as units.

It can be seen that a past evaluation value can be selected as the first reference value, or an evaluation value can be set as the first reference value by itself. The first reference value is significant in providing a decision reference for the target fund buying opportunity. The first server 101 selects the time for generating the subscription order according to the set first reference value, so that a reasonable yield rate can be brought by fund subscription transaction triggered by the subscription order from a statistical perspective.

It should be noted that in some embodiments, the subscription order is not information directly transmitted to the second terminal 103 of the fund company, the subscription order may be used for determining the share to be subscribed, after determining the share to be subscribed, the first server 101 may generate the subscription transaction information, or another server may generate the subscription transaction information, and then transmit the subscription transaction information to the second terminal 103 of the fund company. Therefore, the fund data processing method can determine the subscription share and the subscription time of the target fund through the first reference value, can save the operation time of the user, and can avoid the fund loss caused by manual operation errors of the user to a certain extent.

Further, in an embodiment, as shown in fig. 4, the fund data processing method further includes step S401: acquiring a second reference value of the target fund, wherein the second reference value is greater than the first reference value; accordingly, step S202 further includes: in step S2022, when the current date is the transaction date and the latest evaluation value is between the first reference value and the second reference value, the default procurement share is decreased, and the procurement order is generated according to the decreased default procurement share.

With the first reference value and the second reference value, three evaluation intervals can be divided:

a low-estimation interval, i.e., an interval smaller than the first reference value;

a middle evaluation interval, namely an interval which is not less than the first reference value and not more than the second reference value;

high evaluation intervals, i.e. intervals larger than the second reference value.

When the latest estimation value is in the underestimation value interval, generating the procurement order according to the default procurement share (the first procurement share) with a larger value; when the latest valuation is in the middle valuation interval, the procurement order can be generated according to the default procurement share (second procurement share) with a smaller value, wherein the first procurement share and the second procurement share are not equal in value, so that the investment mode of a user is more diversified, and the investment can be ensured to have reasonable yield to a certain extent. In addition, the method is favorable for being more flexibly and completely split into a plurality of purchase requisition orders according to the total investment amount of the user, and realizing more various investment operation combinations. For example, when the total share of the fund available for the user is 1200 shares, the first subscription share can be set to 700 shares, and the second subscription share is set to 500 shares, which can help the user to make two subscriptions and still fully consume the amount of 1200 shares. However, according to some current day-to-day investment schemes, it is generally default to help the user periodically purchase a fixed amount of fund share, for example, 500 shares per day-to-day investment scheme, which cannot fully consume 1200 shares. Considering that the total share of the fund which can be applied by the user is determined by the account fund of the user, and the amount of the account fund is not specific, the mode of adopting the first application share and the second application share can form more flexible investment combination, and can more effectively split the account fund.

As can be seen from the above description, the fund data processing method is particularly suitable for the fixed-delivery service. Thus, in some embodiments, the user agreement refers to a commitment agreement for the index fund, and the target fund is the index fund; the transaction day in the aforementioned procurement conditions is a day of scheduled investment; in addition, when the procurement condition is not met, the fixed investment is not executed, namely when the latest evaluation value is larger than the second reference value, the procurement order is not generated, so that the risk of fund loss of the user can be reduced more reasonably.

In some embodiments, the benefit value in step S204 is a benefit rate, and the first benefit condition in step S205 is: a preset target profitability is achieved. Further, a target rate of return may be determined on the trading day when the requisition condition is satisfied. When the procurement conditions are met, meaning that a procurement order needs to be generated, the target profitability can be determined according to the latest valuation of the target fund. Specifically, different target profitability can be correspondingly set according to different estimation intervals, so that the target profitability is automatically determined according to the estimation interval where the latest estimation is located, and a more intelligent data processing mode is realized.

In some embodiments, the target fund is one of the fund available for procurement; as shown in fig. 5, the fund data processing method further includes:

step S501, acquiring the latest estimation value of the fund available for purchase and historical estimation data in a specified historical time period;

step S502, determining a first reference value and a second reference value of fund available for subscription according to historical evaluation data;

step S503, generating a fund list comprising the identification information, the latest evaluation value, the first reference value and the second reference value of the fund that can be purchased, and sending the fund list to the first terminal for displaying.

Steps S501-S503 are for providing a list of funds to a first terminal (not shown in the drawings) before a user agreement is entered. The first terminal can visually display the latest estimation values and the historical estimation values of different funds to the user for watching, and the user can make investment decision by combining the historical estimation values according to the displayed latest estimation values of the funds. In step S503, the fund list may further include a subscription link of the purchasable fund, and the purchasable fund includes the target fund. The subscription link may be a link for making a user agreement or viewing terms of a user agreement.

It should be noted that the latest estimate calculated at different times may have different corresponding first and second reference values depending on whether the first and second reference values change with respect to the corresponding historical estimate data. For example, the first reference value and the second reference value determined by selecting the historical estimation data between 2001 and 2010 may be different from the first reference value and the second reference value determined by selecting the historical estimation data between 2002 and 2011. In addition, historical evaluation data of which time periods are selected can be set according to actual requirements; after the historical estimation data of a time period is selected, how to obtain the first reference value and the second reference value can also be set according to actual requirements. Generally, historical estimation data of the last 5 to 10 years can be obtained for each index fund, an estimation set formed by relatively lowest estimation values within 30% of the time duration is considered as a low estimation area, an estimation set formed by relatively highest estimation values within 30% of the time duration is considered as a high estimation area, estimation sets formed by other estimation values are considered as medium estimation areas, the maximum estimation value in the low estimation area can be used as a first reference value, and the maximum estimation value in the medium estimation area can be used as a second reference value.

In some embodiments, the fund data processing method further comprises the steps of: acquiring service operation information, wherein the service operation information is used for recording the change result of the fund service operation; wherein the fund business operation comprises a strong redemption operation, a strong enhancement operation or a bonus re-investment operation; determining a change value of a total share held by a user according to the service operation information; and updating the real-time share corresponding to the purchase requisition according to the change value.

For example, assume that there are three purchase order tags and three real-time shares of the purchase order in a virtual account, which are: order a: 50 parts of a mixture; order b: 35 parts of (B); and c, order c: 15 parts. The total share of the fund held by the user is the total value of the three real-time shares, namely 100 shares. Situations where the virtual account is updated include, but are not limited to:

(1) after the strong redemption operation, the total share of the fund held by the user is changed from 100 shares to 96 shares, and the change value can be calculated to be 4 shares, and the change information can include the change value, so that the three real-time shares can be updated, namely, 96 shares are calculated according to the proportion of 50: 35: 15, and the obtained virtual account is as follows: order a: 48 parts of a mixture; order b: 33.6 parts; and c, order c: 14.4 parts.

(2) After the strengthening operation is carried out, the total share of the fund held by the user is changed from 100 shares to 110 shares, and then the ratio of the total share to the total share is calculated according to the following steps of 50: 35: 15, the new virtual account obtained after splitting is: order a: 55 parts of (1); order b: 38.5 parts; and c, order c: 16.5 parts.

(3) After the bonus re-casting operation is performed, the idea of updating the virtual account is similar, and the real-time share is updated correspondingly according to the change value of the total share of the fund.

It should be noted that the types of fund transaction operations are not limited to the three types described above, and may include more, such as a clearing operation and a terminating operation, etc., and different fund transaction operations may involve different updating manners of the virtual account, such as a clearing operation and a terminating operation may involve asset change, when the purchase order mark and the real-time share need to be deleted.

In some embodiments, the fund data processing method further comprises: obtaining the latest total share held by a user according to the service operation information; after updating the real-time shares corresponding to the purchase order, adding the real-time shares of all purchase order to obtain a added value; and when the difference exists between the added value and the latest total share, determining the procurement order with the largest real-time share, and taking the sum of the difference and the largest real-time share as the latest real-time share of the procurement order. This embodiment solves the problem that there may be tail differences in the data processing that result in the sum of the implemented shares not being consistent with the latest total share, the "tail differences" being literally interpreted as differences in the last digits, mainly due to errors caused by discarding some decimal places during the calculation. For example, a virtual account is: order a: 40 parts of a mixture; order b: 30 parts of. Since the bonus re-casting operation is performed, the total share of the target fund held by the user is changed from 70 shares to 71 shares, the share is changed to 1 share, when the virtual account is updated, 1 share needs to be added to the shares corresponding to the order a and the order b according to the ratio of 40:30, and in some algorithms, if two decimal points are directly reserved, the real-time shares may be respectively changed to 40.57 and 30.42, the total share is changed to 70.99, and an error of 0.01, namely a tail difference is formed. At this point, a tail diff of 0.01 may be added to the real-time share for order a, changing 40.57 to 40.58.

In some embodiments, as shown in fig. 6, the fund data processing method further comprises:

step S601, generating a plurality of purchase requisition orders;

step S602, after the procurement order takes effect, generating a third monitoring task;

step S603, determining a total benefit value corresponding to the multiple procurement orders according to the third monitoring task and the real-time shares of the multiple orders;

step S604, when the total profit value meets the preset second profit condition, generating a second redemption request.

Considering that the user agreement generally agrees with the target rate of return and the corresponding investment amount, when the fund investment is executed, the corresponding investment amount reaches the target rate of return, and the third-party organization is considered to finish the performance of the user agreement. At this time, a third monitoring task may be set according to a user agreement, the third monitoring task is executed to obtain the income information corresponding to the investment amount from the whole, and when the target income rate is reached, the third monitoring task may be terminated after the whole share of the fund is redeemed.

Steps S601-S604 provide a new data processing approach for determining when to perform a redemption operation. As can be understood by combining fig. 2 and fig. 6, after step S203 is executed, step S204 and step S205 may be executed directly, or step S603 and step S604 may be executed directly, depending on whether the first benefit condition or the second benefit condition is met, and if the second benefit condition is met, step S603 and step S604 may be executed preferentially.

In addition, the total profit value and the second profit margin in step S603 and step S604 may be designed according to the aforementioned design principle regarding the profit value and the first profit margin involved in step S204 and step S205. Considering that the income value corresponding to some purchase requisition orders does not meet the first income condition, but from the point of total income, the total income value corresponding to the total purchase requisition orders reaches an ideal value, namely meets the second income condition, so that more fund redemption opportunities can be provided for the user, and the investment cycle of the user can be shortened to a certain extent.

In some embodiments, generating the procurement order from the default procurement share comprises: and generating a subscription order after the user risk level verification, the fund transaction state verification, the initial payment amount verification and the subscription limit verification are passed. The first server 101 sends the procurement order to the second server 102, the second server 102 generates procurement request transaction information according to the procurement order, and then sends the procurement request transaction information to the second terminal 103 for conducting procurement transaction.

In some embodiments, the second server 102 may generate the first redemption transaction information according to the first redemption request, transmit the first redemption transaction information to the second terminal 103, and upon receiving the redemption confirmation information returned by the second terminal 103 (meaning that the fund company agrees to the redemption transaction), issue a repayment instruction to the second terminal 103, the repayment instruction being used for instructing to transfer the repayment to the preset account of the third-party institution, so that the user continues to enjoy the benefit of the current deposit or the monetary fund, thereby ensuring the user's profit is maximized. The preset account may be a bank account corresponding to the suning change wallet. More specifically, a description of the predetermined account and a description of the revenue engagement may be provided in the user agreement.

In some embodiments, a timing task may be initiated by the UTS, and an HTTP request is initiated to a specific server, and the specific server performs domain name resolution and then distributes the domain name resolution and the load balancing to a specific application server; the application server serves as a Master role to acquire the interference prevention monitoring tasks and then distribute the interference prevention monitoring tasks to a Windq queue, the Slave server performs multithread monitoring and then processes the interference prevention monitoring tasks according to the steps involved in the interference prevention monitoring tasks to obtain processing result data, and the processing result data are sent to a database for storage. At this time, the aforementioned servers may be regarded as a constituent part of the first server 101, and the processing result data includes the virtual account. In addition, the Slave server may obtain basic data of the fund from the data center component, including a market rate, a market net rate, a dividend of market rate, or a quanta of market rate of the index fund.

In some embodiments, the aforementioned user agreement refers to an agreement corresponding to a specific customized service, and after the agreement is signed, the first server 101 performs the steps S201 to S205; however, for the third-party organization, a plurality of fund investment service businesses, such as a plurality of fixed-subscription businesses (including the aforementioned special fixed-subscription business and the common fixed-subscription business at present) and a plurality of non-fixed-subscription businesses, are generally launched. At this time, if the first server 101 needs to perform the task of daily end clearing, different protocols need to be distinguished, and then relevant data processing needs to be performed, because of the special scheduled investment business, the virtual account needs to be updated, the full monitoring task needs to be performed, and the first redemption information needs to be automatically generated; whereas with respect to normal drop-out services, the first server 101 may only need to generate third redemption information based on the indication from the first terminal, the third redemption information being indicative of performing a redemption operation based on the redemption share confirmed by the first terminal. In such a case, when executing the day-to-day clearing task, the first server 101 first obtains fund service operation information, where the fund service operation information is used to record what fund service operation a certain fund purchased by the user relates to on the transaction day, then determines the protocol type according to the fund service operation information, and updates the virtual account when the protocol type is the aforementioned user protocol; and when the protocol type is other signed protocols (for example, a protocol of a common fixed-subscription service), updating the information corresponding to the purchase requisition according to a preset processing mode corresponding to the signed protocol. After the virtual account is updated or the information of the corresponding purchase order is updated, the processing result can be sent to the first terminal in a short message or mail mode.

It should be understood that although the various steps in the flow charts of fig. 2-6 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in fig. 2-6 may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, and the order of performance of the sub-steps or stages is not necessarily sequential, but may be performed in turn or alternating with other steps or at least some of the sub-steps or stages of other steps.

In one embodiment, as shown in FIG. 7, there is provided a fund data processing apparatus 700 comprising: a first task generation module 701, an order generation module 702, a second task generation module 703, a first profit determination module 704, a first redemption module 705, wherein:

a first task generating module 701, configured to obtain a procurement condition of the target fund and a default procurement share corresponding to the procurement condition, and generate a first monitoring task according to the procurement condition;

an order generating module 702, configured to obtain a latest estimate value of the target fund after the first monitoring task is generated, and generate a procurement order of the target fund according to a default procurement share when the latest estimate value meets a procurement condition;

the second task generating module 703 is configured to generate a second monitoring task and a virtual account of the procurement order after the procurement order becomes effective, where the virtual account is used to record identification information and a real-time share of the procurement order;

a first profit determining module 704, configured to determine a profit value of the subscription order according to the real-time share after the second monitoring task is generated;

a first redemption module 705 for generating a first redemption request according to the identification information and the real-time share when the profit value satisfies a preset first profit condition.

In one embodiment, the fund data processing apparatus 700 further comprises a first reference value acquiring module (not shown) for acquiring a first reference value of the target fund; accordingly, the order generation module 702 further includes a first subscription unit (not shown) for generating a subscription order for the target fund according to the default subscription share when the current date is the trading date and the latest evaluation value is less than the first reference value.

In one embodiment, the fund data processing apparatus 700 further comprises a second reference value obtaining module (not shown) for obtaining a second reference value of the target fund, wherein the second reference value is greater than the first reference value; accordingly, the order generation module 702 further includes a second procurement unit (not shown) for reducing the default procurement share and generating the procurement order according to the reduced default procurement share when the current date is the trading day and the latest evaluation value is between the first reference value and the second reference value.

In one embodiment, fund data processing apparatus 700 further comprises:

an estimation obtaining module (not shown) for obtaining the latest estimation of the fund available for purchase and the historical estimation data in the designated historical time period before obtaining the purchase-applying condition of the target fund and the default purchase-applying share corresponding to the purchase-applying condition;

a reference value determination module (not shown) for determining a first reference value and a second reference value of the fund available for the subscription based on the historical valuation data;

and a list generating module (not shown) for generating a fund list comprising the identification information of the fund available for purchase, the latest evaluation value, the first reference value and the second reference value, and sending the fund list to the first terminal for displaying.

In one embodiment, fund data processing apparatus 700 further comprises:

an operation information obtaining module (not shown) for obtaining service operation information, where the service operation information is used to record a change result of the fund service operation;

a change value determining module (not shown) for determining a change value of the total share held by the user according to the service operation information;

and an updating module (not shown) for updating the real-time share corresponding to the subscription order according to the change value.

In one embodiment, fund data processing apparatus 700 further comprises:

a latest total share obtaining module (not shown) for obtaining the latest total share held by the user according to the service operation information;

an adding processing module (not shown) for adding the real-time shares of all the procurement orders after updating the real-time shares corresponding to the procurement orders to obtain an added value;

and a tail difference processing module (not shown) for determining the procurement order with the largest real-time share when a difference exists between the added value and the latest total share, and taking the sum of the difference and the largest real-time share as the latest real-time share of the procurement order.

In one embodiment, the order generation module 702 is configured to generate a plurality of procurement orders;

the fund data processing apparatus 700 further includes:

a third task generating module (not shown) configured to generate a third monitoring task after the procurement order becomes effective;

a second profit determining module (not shown) for determining a total profit value corresponding to the multiple subscription orders according to the third monitoring task and the real-time shares of the multiple orders;

a second redemption module (not shown) for generating a second redemption request when the total profit value satisfies a preset second profit condition.

For the specific definition of the fund data processing device, reference may be made to the above definition of the fund data processing method, which is not described herein again. The various modules in the aforementioned fund data processing apparatus may be implemented in whole or in part by software, hardware, and combinations thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.

In one embodiment, a fund data processing system is provided, comprising a first server 101 and a second server 102; the first server 101 is configured to: executing the fund data processing method; after the procurement order is generated, sending the procurement order to the second server 102; sending the first redemption request to the second server 102; the second server 102 is configured to: generating procurement transaction information according to the procurement order and sending the procurement transaction information to the second terminal 103; generates first redemption transaction information based on the first redemption information, and transmits the first redemption transaction information to the second terminal 103.

In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as shown in fig. 8. The computer device comprises a processor, a memory and a network interface which are connected through a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a fund data processing method.

Those skilled in the art will appreciate that the architecture shown in fig. 8 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer device is provided, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the following steps when executing the computer program: acquiring the procurement condition of the target fund and the default procurement share corresponding to the procurement condition, and generating a first monitoring task according to the procurement condition; after the first monitoring task is generated, obtaining the latest estimated value of the target fund, and generating a procurement order of the target fund according to the default procurement share when the latest estimated value meets the procurement condition; after the procurement order takes effect, generating a second monitoring task and a virtual account of the procurement order, wherein the virtual account is used for recording the identification information and the real-time share of the procurement order; after the second monitoring task is generated, determining a profit value of the purchase requisition according to the real-time share; and generating a first redemption request according to the identification information and the real-time share when the profit value meets a preset first profit condition.

In one embodiment, the processor, when executing the computer program, further performs the steps of: acquiring a first reference value of the target fund; the step of generating the procurement order of the target fund according to the default procurement share when the latest evaluation value meets the procurement condition, which is realized by the processor, specifically comprises the following steps: and when the current date is the trading date and the latest evaluation value is less than the first reference value, generating the procurement order of the target fund according to the default procurement share.

In one embodiment, the processor, when executing the computer program, further performs the steps of: acquiring a second reference value of the target fund, wherein the second reference value is greater than the first reference value; the processor-implemented step of generating an procurement order for the target fund from the default procurement share when the latest estimate satisfies the procurement conditions further comprises: and when the current date is the transaction date and the latest evaluation value is between the first reference value and the second reference value, reducing the default procurement share, and generating the procurement order according to the reduced default procurement share.

In one embodiment, the processor, when executing the computer program, further performs the steps of: before acquiring the procurement conditions of the target fund and the default procurement share corresponding to the procurement conditions, acquiring the latest valuation of the fund which can be procured and historical valuation data in a specified historical time period; wherein the purchasable funds comprise target funds; determining a first reference value and a second reference value of the fund available for subscription according to historical valuation data; and generating a fund list comprising the identification information of the fund available for purchase, the latest evaluation value, the first reference value and the second reference value, and sending the fund list to the first terminal for displaying. Further, the fund list also comprises a subscription link of the available subscription fund, and the available subscription fund comprises the target fund.

In one embodiment, the processor, when executing the computer program, further performs the steps of: acquiring service operation information, wherein the service operation information is used for recording the change result of the fund service operation; wherein the fund business operation comprises a strong redemption operation, a strong enhancement operation or a bonus re-investment operation; determining a change value of a total share held by a user according to the service operation information; and updating the real-time share corresponding to the purchase requisition according to the change value.

In one embodiment, the processor, when executing the computer program, further performs the steps of: obtaining the latest total share held by a user according to the service operation information; after updating the real-time shares corresponding to the purchase order, adding the real-time shares of all purchase order to obtain a added value; and when the difference exists between the added value and the latest total share, determining the procurement order with the largest real-time share, and taking the sum of the difference and the largest real-time share as the latest real-time share of the procurement order.

In one embodiment, the processor, when executing the computer program, further performs the steps of: generating a plurality of purchase orders; after the purchase order takes effect, generating a third monitoring task; determining a total benefit value corresponding to the multiple purchase requisition according to the third monitoring task and the real-time share of the multiple requisition; generating a second redemption request when the total profit value satisfies a preset second profit condition.

In one embodiment, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of: acquiring the procurement condition of the target fund and the default procurement share corresponding to the procurement condition, and generating a first monitoring task according to the procurement condition; after the first monitoring task is generated, obtaining the latest estimated value of the target fund, and generating a procurement order of the target fund according to the default procurement share when the latest estimated value meets the procurement condition; after the procurement order takes effect, generating a second monitoring task and a virtual account of the procurement order, wherein the virtual account is used for recording the identification information and the real-time share of the procurement order; after the second monitoring task is generated, determining a profit value of the purchase requisition according to the real-time share; and generating a first redemption request according to the identification information and the real-time share when the profit value meets a preset first profit condition.

In one embodiment, the computer program when executed by the processor implements the steps of: acquiring a first reference value of the target fund; the step of generating a subscription order for the target fund according to the default subscription share when the latest estimate value satisfies the subscription condition, which is realized by the computer program executed by the processor, specifically includes: and when the current date is the trading date and the latest evaluation value is less than the first reference value, generating the procurement order of the target fund according to the default procurement share.

In one embodiment, the computer program when executed by the processor implements the steps of: acquiring a second reference value of the target fund, wherein the second reference value is greater than the first reference value; the step of generating an acquisition order for the target fund based on the default acquisition share when the latest estimate satisfies the acquisition condition, as implemented by the computer program when executed by the processor, further comprises: and when the current date is the transaction date and the latest evaluation value is between the first reference value and the second reference value, reducing the default procurement share, and generating the procurement order according to the reduced default procurement share.

In one embodiment, the computer program when executed by the processor implements the steps of: before acquiring the procurement conditions of the target fund and the default procurement share corresponding to the procurement conditions, acquiring the latest valuation of the fund which can be procured and historical valuation data in a specified historical time period; wherein the purchasable funds comprise target funds; determining a first reference value and a second reference value of the fund available for subscription according to historical valuation data; and generating a fund list comprising the identification information of the fund available for purchase, the latest evaluation value, the first reference value and the second reference value, and sending the fund list to the first terminal for displaying. Further, the fund list also comprises a subscription link of the available subscription fund, and the available subscription fund comprises the target fund.

In one embodiment, the computer program when executed by the processor implements the steps of: acquiring service operation information, wherein the service operation information is used for recording the change result of the fund service operation; wherein the fund business operation comprises a strong redemption operation, a strong enhancement operation or a bonus re-investment operation; determining a change value of a total share held by a user according to the service operation information; and updating the real-time share corresponding to the purchase requisition according to the change value.

In one embodiment, the computer program when executed by the processor implements the steps of: obtaining the latest total share held by a user according to the service operation information; after updating the real-time shares corresponding to the purchase order, adding the real-time shares of all purchase order to obtain a added value; and when a difference exists between the added value and the latest total share value, determining the procurement order with the largest real-time share, and taking the sum of the difference and the largest real-time share as the latest real-time share of the procurement order.

In one embodiment, the computer program when executed by the processor implements the steps of: generating a plurality of purchase orders; after the purchase order takes effect, generating a third monitoring task; determining a total benefit value corresponding to the multiple purchase requisition according to the third monitoring task and the real-time share of the multiple requisition; generating a second redemption request when the total profit value satisfies a preset second profit condition.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims

1. A method of fund data processing, the method comprising:

2. The method of claim 1, further comprising: acquiring a first reference value of the target fund;

when the latest evaluation value meets the procurement condition, generating the procurement order of the target fund according to the default procurement share, including: when the current date is a trading date and the latest evaluation value is smaller than the first reference value, generating an procurement order of the target fund according to the default procurement share;

preferably, the method further comprises: acquiring a second reference value of the target fund, wherein the second reference value is larger than the first reference value;

3. The method of claim 2, further comprising:

before acquiring the procurement conditions of the target fund and the default procurement share corresponding to the procurement conditions, acquiring the latest valuation of the fund available for procurement and historical valuation data in a specified historical time period; wherein the purchasable fund comprises the target fund;

4. The method of claim 1, further comprising:

5. The method of claim 4, further comprising:

6. The method according to claim 1, characterized in that it comprises:

generating a plurality of said procurement orders;

generating a third monitoring task after the purchase order takes effect;

7. A fund data processing apparatus, characterized in that the apparatus comprises:

8. A fund data processing system comprising a first server and a second server;

the first server is configured to: acquiring the procurement condition of the target fund and the default procurement share corresponding to the procurement condition, and generating a first monitoring task according to the procurement condition; after the first monitoring task is generated, obtaining the latest estimation value of the target fund, and generating a procurement order of the target fund according to the default procurement share when the latest estimation value meets the procurement condition; after the procurement order takes effect, generating a second monitoring task and a virtual account of the procurement order, wherein the virtual account is used for recording the identification information and the real-time share of the procurement order; after the second monitoring task is generated, determining a profit value of the purchase order according to the real-time share; when the profit value meets a preset first profit condition, generating a first redemption request according to the identification information and the real-time share;

the first server is further configured to: after the procurement order is generated, sending the procurement order to the second server; sending the first redemption request to the second server;

the second server is configured to: generating procurement transaction information according to the procurement order and sending the procurement transaction information to a second terminal; generating first redemption transaction information based on the first redemption information, the first redemption transaction information being transmitted to the second terminal.

9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method of any of claims 1 to 6 are implemented when the computer program is executed by the processor.

10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 6.