CN113724088A - Fund value-adding method, device and electronic equipment - Google Patents
Fund value-adding method, device and electronic equipment Download PDFInfo
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Abstract
The embodiment of the invention provides a fund value-added method, a device and electronic equipment, wherein the method comprises the following steps: monitoring balances of a first account and a second account in a cash account of a user; the balance of the first account is the amount of money generated after business operation is carried out on a cash account by a user, and the balance of the second account is the amount of money left after settlement of all businesses; obtaining the net cash amount of the user according to the balance of the first account and the second account; determining the executed value-added operation according to the comparison result between the cash net amount and the first threshold value. Through the embodiment of the invention, the automatic operation of the idle fund of the user enables the idle fund to be rapidly added with value.
Description
Technical Field
The invention relates to the technical field of financial investment, in particular to a fund value-adding method, a fund value-adding device and electronic equipment.
Background
During the process of investment, a user may have a large amount of cash which is not invested temporarily, and the cash can only be idle in a user cash account and cannot bring extra income to the user.
When the user needs to make additional investment on the idle fund, the following steps are generally executed: the operation of transferring out funds, purchasing products and the like is too complex.
Disclosure of Invention
The embodiment of the invention aims to provide a fund value-adding method, a fund value-adding device and electronic equipment, so as to solve the problem that the operation process is too complicated when extra investment is carried out on idle fund.
In order to solve the above technical problem, the embodiment of the present invention is implemented as follows:
in a first aspect, an embodiment of the present invention provides a fund value-adding method, including:
monitoring balances of a first account and a second account in a cash account of a user; the balance of the first account is the amount of money generated after business operation is carried out on a cash account by a user, and the balance of the second account is the amount of money left after settlement of all businesses;
obtaining the net cash amount of the user according to the balance of the first account and the second account;
determining the executed value-added operation according to the comparison result between the cash net amount and the first threshold value.
In a second aspect, an embodiment of the present invention provides a fund value-adding device, including:
the monitoring module is used for monitoring the balance of a first account and a second account in the cash account of the user; the balance of the first account is the amount of money generated after business operation is carried out on a cash account by a user, and the balance of the second account is the amount of money left after settlement of all businesses;
the calculation module is used for obtaining the cash net amount of the user according to the balance of the first account and the second account;
and the execution module is used for determining the executed value-added operation according to the comparison result between the net cash amount and the first threshold value.
In a third aspect, an embodiment of the present invention provides an electronic device, including a processor, a communication interface, a memory, and a communication bus; the processor, the communication interface and the memory complete mutual communication through a bus; the memory is used for storing a computer program; the processor is configured to execute the program stored in the memory to implement the fund appreciation method steps according to the first aspect.
In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium, on which a computer program is stored, which, when executed by a processor, implements the fund appreciation method steps according to the first aspect.
According to the technical scheme provided by the embodiment of the invention, the balance of the first account and the balance of the second account in the cash account of the user are monitored; the balance of the first account is the amount of money generated after business operation is carried out on a cash account by a user, and the balance of the second account is the amount of money left after settlement of all businesses; obtaining the net cash amount of the user according to the balance of the first account and the second account; determining the executed value-added operation according to the comparison result between the cash net amount and the first threshold value. Through the embodiment of the invention, the automatic operation of the idle fund of the user enables the idle fund to be rapidly added with value.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only some embodiments described in the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.
FIG. 1 is a schematic flow chart of a fund value-adding method according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of another fund value-adding method provided by the embodiment of the invention;
FIG. 3 is a flow chart illustrating an order determination process according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of the module components of the fund value-adding device according to the embodiment of the present invention;
fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The embodiment of the invention provides a fund value-added method, a fund value-added device and electronic equipment.
In order to make those skilled in the art better understand the technical solution of the present invention, the technical solution in the embodiment of the present invention will be clearly and completely described below with reference to the drawings in the embodiment of the present invention, and it is obvious that the described embodiment is only a part of the embodiment of the present invention, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As shown in fig. 1, an execution subject of the method may be a server, where the server may be an independent server, or a server cluster composed of a plurality of servers, and the server may be a server capable of performing network operation processing, or the like. The method may specifically comprise the steps of:
step S110, monitoring balances of a first account and a second account in a cash account of a user; the balance of the first account is the amount of money generated after the user performs service operation on the cash account, and the balance of the second account is the amount of money left after all services are settled.
Monitoring a cash account of each user in real time, wherein the cash account can be divided into a first account and a second account, the first account can be named as a business account, the second account can be named as a settlement account, the balance of the business account can be expressed as business balance, and the balance of the settlement account can be expressed as SettlementBalance.
It should be understood that the user's business operations on the cash account may include buying and selling stocks, funds, bonds, and the like.
Further, the cash account may be used to store at least two currencies. For example, dollars, port coins, RMB coins, etc. may be stored. Accordingly, the fund value-adding method of the embodiment of the application can be carried out on a plurality of currencies. In one embodiment, automatic conversion between currencies may also be performed based on the current exchange rate.
Further, before step S110, the method further includes:
the user is determined to be a subscriber first.
And step S120, obtaining the cash net amount of the user according to the balance of the first account and the second account.
The net cash may be expressed as NetCashBalance.
In the monitoring process of the cash account, the net cash amount NetCashBalance can be obtained periodically according to the balance BusinessBalance of the first account and the balance SettlementBalance of the second account.
The regular period may be specifically set to every 5 minutes or 10 minutes, etc. during the transaction time.
And step S130, determining the executed value-added operation according to the comparison result between the net cash amount and the first threshold value.
The first threshold is preset, and may be set according to actual needs, for example, 0. For simplicity, the first threshold value is illustrated as 0 in the following embodiments.
And comparing the obtained net cash balance with a first threshold value, and determining the executed value-added operation according to the comparison result. The value-added operation may be set according to actual needs, and may be, for example, a purchase order operation, a redemption operation, or the like.
According to the technical scheme provided by the embodiment of the invention, the balance of the first account and the balance of the second account in the cash account of the user are monitored; the balance of the first account is the amount of money generated after business operation is carried out on a cash account by a user, and the balance of the second account is the amount of money left after settlement of all businesses; obtaining the net cash amount of the user according to the balance of the first account and the second account; determining the executed value-added operation according to the comparison result between the cash net amount and the first threshold value. Through the embodiment of the invention, the automatic operation of the idle fund of the user enables the idle fund to be rapidly added with value.
As shown in fig. 2, an embodiment of the present invention provides a fund value-adding method, which includes the following steps.
And step S210, monitoring the balance of the first account and the second account in the cash account of the user.
And step S220, obtaining the cash net amount of the user according to the balance of the first account and the second account.
The steps S210 to S220 may implement the method embodiments of the steps S110 to S120 shown in fig. 1, and obtain the same or similar technical effects, and repeated portions are not described herein again.
Further, before step S210, the method further includes:
the user is determined to be a subscriber first.
If the user is determined to be the signed user, monitoring the cash account of the user and executing the fund value-added method of the embodiment of the application; if the user is a non-signed user, the user can be prompted whether to start the related signing operation.
Further, there may be several embodiments of the step S220, and in one embodiment, the step S120 includes:
when the balance of the first account is greater than or equal to a second threshold, the net cash amount is equal to the balance of the second account; the second threshold may be set according to actual needs, for example, may be set to 0, and for simplicity, the second threshold is taken as 0 in the following embodiments for example;
when the balance of the first account is less than a second threshold, the net cash amount is equal to the sum of the balance of the first account and the balance of the second account.
The calculation formula for NetCashBalance can be derived from the following computer language.
NetCashBalance＝
if BusinessBalance<0
{return BusinessBalance+SettlementBalance}
else
{return SettlementBalance}
And S231, executing the subscription operation of the target fund when the cash net amount is larger than the first threshold value.
Further, the executing of the procurement operation of the target fund comprises:
determining the purchase applying amount according to the net cash amount NetCashBalance and the total sum SumBindingBuyAmount of the order in purchase applying;
and executing the subscription operation of the target fund according to the subscription amount.
As shown in FIG. 3, during the course of the procurement operation of the target fund, the target fund will be in a plurality of states from the time of order submission to the time of confirmation of the procurement operation completion by the fund company:
volatile: in a temporary order state; if the temporary order is cancelled, the temporary order is converted into a cancelled state;
cutting: before the time point of cutting the fund day, the final day order is in statistics;
submitted: determining a daily end order and sending the daily end order to a fund company;
the purchase requisition operation is completed until the fund company confirms and the user funds are paid out, so that the order is in a Confirmed state.
Therefore, when performing a subscription operation according to NetCashBalance, it is necessary to exclude the amount of an unconfirmed order, that is, the total sum of orders in subscription summdingbuyaminount, including the amount of orders in the states of vollate, Cutting, and Submitted, so as to obtain the subscription amount, which is NetCashBalance-summdingbuyaminount. And then executing the procurement operation according to the procurement amount obtained by calculation.
Step S232, when the cash net amount is less than or equal to the first threshold value, executing the redemption operation of the target fund.
Further, the performing redemption operations on the target fund includes:
determining a redemption share according to the share corresponding to the cash net amount and the order share in the redemption;
performing a redemption operation on the target fund according to the redemption share.
Since the operation is performed in share when the redemption operation is performed, the redemption share of the current redemption order needs to be determined first when the redemption operation is performed. When the redemption operation is performed according to the share abs (netcashbalance), which corresponds to the net amount of cash, the unconfirmed redemption order share, i.e. the share sumpingbookaccount of the order in redemption, including the share of the order in the states of vollate, Cutting and Submitted, needs to be excluded, so that the resulting redemption share is abs (netcashbalance) -sumpingaccount. And then performing the redemption operation based on the calculated redemption share.
According to the technical scheme provided by the embodiment of the invention, the embodiment of the invention executes the subscription operation of the target fund when the net amount of cash is greater than the first threshold value; performing redemption of the target fund when the net cash amount is less than or equal to a first threshold. Through the embodiment of the invention, the automatic operation of the idle fund of the user enables the idle fund to be rapidly added with value.
On the basis of the same technical concept, the present invention further provides a fund value-adding device corresponding to the fund value-adding method provided in the foregoing embodiment, and fig. 4 is a schematic diagram illustrating a module composition of the fund value-adding device provided in the embodiment of the present invention, where the fund value-adding device is configured to execute the fund value-adding method described in fig. 1 to fig. 3, and as shown in fig. 4, the fund value-adding device includes: a monitoring module 401, a calculation module 402 and an execution module 403.
The monitoring module 401 is configured to monitor balances of a first account and a second account in a cash account of a user; the balance of the first account is the amount of money generated after business operation is carried out on a cash account by a user, and the balance of the second account is the amount of money left after settlement of all businesses; the calculation module 402 is configured to obtain a net cash amount of the user according to the balance of the first account and the second account; the execution module 403 is configured to determine the executed value-added operation according to the comparison result between the net cash amount and the first threshold.
Further, the cash account is for storing at least two currencies.
Further, the monitoring module 401 is further configured to determine that the user is a subscriber first.
According to the technical scheme provided by the embodiment of the invention, the balance of the first account and the balance of the second account in the cash account of the user are monitored; the balance of the first account is the amount of money generated after business operation is carried out on a cash account by a user, and the balance of the second account is the amount of money left after settlement of all businesses; obtaining the net cash amount of the user according to the balance of the first account and the second account; determining the executed value-added operation according to the comparison result between the cash net amount and the first threshold value. Through the embodiment of the invention, the automatic operation of the idle fund of the user enables the idle fund to be rapidly added with value.
Based on the foregoing embodiment, further, the execution module is configured to:
executing a subscription operation for the target fund when the net cash amount is greater than a first threshold value;
performing redemption of the target fund when the net cash amount is less than or equal to a first threshold.
Further, the execution module is to:
determining the purchase payment amount according to the cash net amount and the total amount of the order in the purchase payment;
and executing the subscription operation of the target fund according to the subscription amount.
Further, the execution module is to:
determining a redemption share according to the share corresponding to the cash net amount and the order share in the redemption;
performing a redemption operation on the target fund according to the redemption share.
Further, the computing module is to:
when the balance of the first account is greater than or equal to a second threshold, the net cash amount is equal to the balance of the second account;
when the balance of the first account is less than a second threshold, the net cash amount is equal to the sum of the balance of the first account and the balance of the second account.
According to the technical scheme provided by the embodiment of the invention, the embodiment of the invention executes the subscription operation of the target fund when the net amount of cash is greater than the first threshold value; performing redemption of the target fund when the net cash amount is less than or equal to a first threshold. Through the embodiment of the invention, the automatic operation of the idle fund of the user enables the idle fund to be rapidly added with value.
The fund value-added device provided by the embodiment of the invention can realize each process in the embodiment corresponding to the fund value-added method, and is not repeated here for avoiding repetition.
It should be noted that the fund value-adding device provided in the embodiment of the present invention and the fund value-adding method provided in the embodiment of the present invention are based on the same inventive concept, and therefore, for specific implementation of the embodiment, reference may be made to the implementation of the fund value-adding method, and repeated details are not described herein.
Based on the same technical concept, the embodiment of the present invention further provides an electronic device for executing the above-mentioned value-added fund method, and fig. 5 is a schematic structural diagram of an electronic device implementing the embodiments of the present invention, as shown in fig. 5. Electronic devices may vary widely in configuration or performance and may include one or more processors 501 and memory 502, where the memory 502 may have one or more stored applications or data stored therein. Memory 502 may be, among other things, transient or persistent storage. The application program stored in memory 502 may include one or more modules (not shown), each of which may include a series of computer-executable instructions for the electronic device. Still further, the processor 501 may be arranged in communication with the memory 502 to execute a series of computer-executable instructions in the memory 502 on the electronic device. The electronic device may also include one or more power supplies 503, one or more wired or wireless network interfaces 504, one or more input-output interfaces 505, one or more keyboards 506.
Specifically, in this embodiment, the electronic device includes a processor, a communication interface, a memory, and a communication bus; the processor, the communication interface and the memory complete mutual communication through a bus; the memory is used for storing a computer program; the processor is used for executing the program stored in the memory and realizing the following method steps:
monitoring balances of a first account and a second account in a cash account of a user; the balance of the first account is the amount of money generated after business operation is carried out on a cash account by a user, and the balance of the second account is the amount of money left after settlement of all businesses;
obtaining the net cash amount of the user according to the balance of the first account and the second account;
determining the executed value-added operation according to the comparison result between the cash net amount and the first threshold value.
An embodiment of the present application further provides a computer-readable storage medium, in which a computer program is stored, and when executed by a processor, the computer program implements the following method steps:
monitoring balances of a first account and a second account in a cash account of a user; the balance of the first account is the amount of money generated after business operation is carried out on a cash account by a user, and the balance of the second account is the amount of money left after settlement of all businesses;
obtaining the net cash amount of the user according to the balance of the first account and the second account;
determining the executed value-added operation according to the comparison result between the cash net amount and the first threshold value.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, an electronic device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, apparatus or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.
Claims (10)
1. A value-adding method, the method comprising:
monitoring balances of a first account and a second account in a cash account of a user; the balance of the first account is the amount of money generated after business operation is carried out on a cash account by a user, and the balance of the second account is the amount of money left after settlement of all businesses;
obtaining the net cash amount of the user according to the balance of the first account and the second account;
determining the executed value-added operation according to the comparison result between the cash net amount and the first threshold value.
2. The method of claim 1, wherein determining the value-added operation to perform based on the comparison between the net cash amount and the first threshold comprises:
executing a subscription operation for the target fund when the net cash amount is greater than a first threshold value;
performing redemption of the target fund when the net cash amount is less than or equal to a first threshold.
3. The method of claim 2, wherein said performing a subscription operation on a target fund comprises:
determining the purchase payment amount according to the cash net amount and the total amount of the order in the purchase payment;
and executing the subscription operation of the target fund according to the subscription amount.
4. The method according to claim 2, wherein the performing a redemption operation on the target fund comprises:
determining a redemption share according to the share corresponding to the cash net amount and the order share in the redemption;
performing a redemption operation on the target fund according to the redemption share.
5. The method of any one of claims 1-4, wherein obtaining the user's net cash based on the balances of the first and second accounts comprises:
when the balance of the first account is greater than or equal to a second threshold, the net cash amount is equal to the balance of the second account;
when the balance of the first account is less than a second threshold, the net cash amount is equal to the sum of the balance of the first account and the balance of the second account.
6. The method of any of claims 1-4, wherein prior to periodically monitoring the balance of the first and second accounts in the user's cash account, the method further comprises:
the user is determined to be a subscriber first.
7. The method of any of claims 1-4, wherein the cash account is for storing at least two currencies.
8. A value-adding device, the device comprising:
the monitoring module is used for monitoring the balance of a first account and a second account in the cash account of the user; the balance of the first account is the amount of money generated after business operation is carried out on a cash account by a user, and the balance of the second account is the amount of money left after settlement of all businesses;
the calculation module is used for obtaining the cash net amount of the user according to the balance of the first account and the second account;
and the execution module is used for determining the executed value-added operation according to the comparison result between the net cash amount and the first threshold value.
9. An electronic device comprising a processor, a communication interface, a memory, and a communication bus; the processor, the communication interface and the memory complete mutual communication through a bus; the memory is used for storing a computer program; the processor, for executing the program stored in the memory, implementing the value-added method steps according to any one of claims 1-7.
10. A computer-readable storage medium, characterized in that a computer program is stored on the computer-readable storage medium, which computer program, when being executed by a processor, carries out the funds-added method steps according to any of the claims 1-7.
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| CN202111038142.3A CN113724088A (en) | 2021-09-06 | 2021-09-06 | Fund value-adding method, device and electronic equipment |
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