CN115131140A

CN115131140A - Settlement information display method, device, equipment and storage medium of information resource

Info

Publication number: CN115131140A
Application number: CN202110321921.8A
Authority: CN
Inventors: 陈希; 曾证; 林霜巧; 房港; 吴新生; 秦瑞
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2021-03-25
Filing date: 2021-03-25
Publication date: 2022-09-30

Abstract

The application provides a settlement information display method, device, equipment and storage medium of information resources, relates to the technical field of payment finance, and aims to improve the accuracy of displaying settlement information in the settlement process of the information resources. The method comprises the following steps: responding to a settlement request for converting the information resource into the electronic resource triggered by the account to be processed, and obtaining a target conversion share for the information resource, which is indicated by the account to be processed; determining at least one target holding time range and a corresponding conversion sub-share of the information resource to be processed according to each preset holding time range aiming at the information resource, and determining and displaying a target resource settlement result based on the at least one target holding time range and the corresponding conversion sub-share and a preset settlement proportion corresponding to the at least one target holding time; the information resources to be processed comprise information resources which are associated with the account to be processed and meet the target conversion share. The method improves the accuracy of the displayed target resource settlement result.

Description

Settlement information display method, device, equipment and storage medium of information resource

Technical Field

The present application relates to the field of payment finance technologies, and in particular, to a method, an apparatus, a device, and a storage medium for displaying settlement information of information resources.

Background

Generally, in the process of converting information resources provided by a resource conversion platform into electronic resources by an account, the electronic resources need to be transferred to a corresponding platform according to a payment proportion, after a request for converting the information resources held by the system into the electronic resources triggered by the account is received by the current system, the maximum value of the payment proportion is displayed to the account, but only the maximum value of the payment proportion is displayed, the account cannot directly know the electronic resources needing to be paid in the process of resource conversion, and the payment proportion of the electronic resources actually needing to be paid by the information resources required to be converted by the account is not necessarily the maximum value, so that the accuracy of displaying settlement information in the process of settlement of the information resources is low.

Disclosure of Invention

The embodiment of the application provides a settlement information display method, device, equipment and storage medium of information resources, which are used for improving the accuracy of displaying settlement information in the settlement process of the information resources.

In a first aspect of the present application, a settlement information display method for information resources is provided, including:

in response to a settlement request for converting an information resource into an electronic resource, which is triggered by a to-be-processed account, obtaining a target conversion share for the information resource, which is indicated by the to-be-processed account;

determining at least one target holding time range and corresponding conversion sub-share of information resources to be processed according to each holding time range preset for the information resources, wherein the information resources to be processed comprise the information resources which are associated with the account to be processed and accord with the target conversion share;

determining a target resource settlement result based on the at least one target holding time range, the corresponding conversion sub-share and a preset settlement proportion corresponding to the at least one target holding time range;

and displaying the target resource settlement result.

In a second aspect of the present application, there is provided a settlement information display device for information resources, comprising:

the request response unit is used for responding to a settlement request for converting the information resource into the electronic resource triggered by the account to be processed, and obtaining a target conversion share which is indicated by the account to be processed and aims at the information resource;

the first processing unit is used for determining at least one target holding time range and corresponding conversion sub-share of the information resource to be processed according to each holding time range preset aiming at the information resource, wherein the information resource to be processed comprises the information resource which is associated with the account to be processed and accords with the target conversion share;

the second processing unit is used for determining a target resource settlement result based on the at least one target holding time range, the corresponding conversion sub-share and a preset settlement proportion corresponding to the at least one target holding time range;

and the information display unit is used for displaying the target resource settlement result.

In a possible implementation manner, the first processing unit is specifically configured to:

determining the information resources which accord with the target conversion share as the information resources to be processed from each information resource associated with the account to be processed based on a preset resource settlement mode aiming at the information resources;

and determining at least one target holding time range of the information resource to be processed according to each preset holding time range aiming at the information resource, and determining a conversion sub-share corresponding to each target holding time in the at least one target holding time range.

if the resource settlement mode comprises transfer-in-advance conversion, determining the information resource with the earliest transfer-in-time target conversion share as the information resource to be processed from each information resource associated with the account to be processed based on the transfer-in time of each information resource for the account to be processed;

and if the resource settlement mode comprises late transfer-in-first conversion, determining the information resource of the target conversion share with the latest transfer-in time as the information resource to be processed based on the transfer-in time of each information resource for the account to be processed.

In a possible implementation manner, the second processing unit is specifically configured to:

determining a resource settlement sub-result corresponding to each target holding time range according to a conversion sub-share corresponding to each target holding time range in the at least one target holding time range and a preset settlement proportion corresponding to each target holding time range;

and determining the target resource settlement result based on the resource settlement sub-result corresponding to each target holding time range.

for each target holding time range, the following operations are respectively executed:

determining, for one of the target holding time ranges, a reference product of a latest net-resource value of the information resource, the latest net-resource value including a latest electronic resource value equivalent to a unit share of the information resource, and a conversion sub-share corresponding to the one target holding time range;

and determining the product of the reference product and the preset settlement proportion corresponding to the target holding time range as a resource settlement sub-result corresponding to the target holding time range.

In one possible implementation, the second processing unit is further configured to:

displaying at least one of the following information:

the resource settlement sub-result corresponding to each target holding time range;

the preset settlement proportion corresponding to each target holding time range;

transforming an electronic resource value available for the information resource of the target transformation share.

determining that the resource settlement sub-result is the target holding time range of the preset resource settlement sub-result;

displaying first prompt information aiming at the determined target holding time range; and

and in response to the resource conversion operation triggered by the account to be processed based on the first prompt message, displaying a conversion sub-share corresponding to the holding time range to be converted and second prompt message through a resource conversion detail page, wherein the second prompt message is determined based on a resource settlement sub-result corresponding to the determined target holding time range.

In one possible implementation, the method is applied to a target platform other than a resource conversion platform for performing conversion between the information resource and the electronic resource.

In one possible implementation, the information resource comprises a fund, and the method is applied to a fund affiliation platform.

In one possible implementation, the first processing unit is further configured to:

determining each information resource related to the account to be processed based on locally stored account share detail information; the account share detail information comprises information of shares of the information resources held by the account to be processed; the account share detail information is updated based on account share reconciliation information obtained from the resource conversion platform; or

And acquiring account share detailed information from the resource conversion platform, and determining each information resource associated with the account to be processed based on the account share detailed information, wherein the account share detailed information comprises information of the share of the information resource held by the account to be processed.

responding to the information resource transfer operation triggered by the account to be processed aiming at the information resource, and sending an information resource transfer request to the resource conversion platform;

receiving the account share checking information sent by the resource conversion platform; the account share checking information is sent after the resource conversion platform responds to the information resource request and converts the electronic resources held by the account to be processed into the corresponding information resources;

updating the account share detail information based on the received account share checking information.

In a possible implementation manner, the second processing unit is further configured to, before determining the target resource settlement result, based on the at least one target holding time range and the respective corresponding conversion sub-share, and the respective corresponding preset settlement ratio of the at least one target holding time:

acquiring a first corresponding relation from the local, and determining a preset settlement ratio corresponding to each target holding time range in the at least one target holding time range on the basis of the first corresponding relation; the first corresponding relation is periodically updated based on a second corresponding relation acquired from the resource conversion platform, and the second corresponding relation comprises corresponding relations of preset holding time ranges and preset settlement ratios; or

Acquiring a second corresponding relation from the resource conversion platform, and determining a preset settlement proportion corresponding to each target holding time range in the at least one target holding time range on the basis of the second corresponding relation; the second corresponding relation comprises corresponding relations of preset holding time ranges and preset settlement ratios.

In a third aspect of the present application, a computer device is provided, which comprises a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of the first aspect when executing the program.

In a fourth aspect of the present application, a computer program product is provided that includes computer instructions stored in a computer readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and executes the computer instructions, so that the computer device performs the method provided in the first aspect.

In a fifth aspect of the present application, there is provided a computer readable storage medium having stored thereon computer instructions which, when run on a computer, cause the computer to perform the method according to the first aspect.

Due to the adoption of the technical scheme, the embodiment of the application at least has the following technical effects:

in the embodiment of the application, each target holding time range corresponding to the information resource to be processed for which the account to be processed requires settlement is determined, and the settlement result of the target resource is determined and displayed based on the conversion sub-share corresponding to each target holding time range and the preset settlement proportion corresponding to each target holding time range, namely, the settlement result of the target resource is obtained according to the preset settlement proportion corresponding to the information resource to be processed truly, so that the accuracy of the displayed settlement result of the target resource is improved, and the account to be processed can conveniently and intuitively know a more accurate settlement result of the target resource.

Drawings

Fig. 1 is a schematic diagram of an application scenario of displaying settlement information of an information resource according to an embodiment of the present application;

fig. 2 is a schematic diagram illustrating a process of purchasing an information resource by an account according to an embodiment of the present application;

fig. 3 is a schematic diagram of an interaction process of a terminal device, a first server, and a second server according to an embodiment of the present application;

fig. 4 is a flowchart of a settlement information displaying method for information resources according to an embodiment of the present disclosure;

FIG. 5 is a schematic diagram of an indication page indicating a target conversion share for a pending account according to an embodiment of the present application;

fig. 6 is an exemplary diagram of a display page of settlement information provided in an embodiment of the present application;

fig. 7 is a schematic diagram of a first prompt message and a second prompt message provided in an embodiment of the present application;

fig. 8 is a block flow diagram of a settlement information display method for funds according to an embodiment of the present disclosure;

fig. 9 is an exemplary diagram of a flow chart of a settlement information display method for funds according to an embodiment of the present application;

FIG. 10 is a diagram illustrating an example of a scenario for displaying a result of settlement of a target resource according to an embodiment of the present application;

fig. 11 is a diagram illustrating an example of a scenario for displaying a result of settlement of a target resource according to an embodiment of the present application;

fig. 12 is a diagram illustrating an example of a scenario for displaying a result of settlement of a target resource according to an embodiment of the present application;

FIG. 13 is an exemplary graph of experimental results provided in an embodiment of the present application;

fig. 14 is a structural diagram of a settlement information display device for information resources according to an embodiment of the present application;

fig. 15 is a block diagram of a computer device according to an embodiment of the present application.

Detailed Description

In order to make the purpose, technical solution and advantages of the present application more clearly and clearly understood, the technical solution in the embodiments of the present application will be described below in detail and completely with reference to the accompanying drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the 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 application.

In order to facilitate a better understanding of the technical solutions of the present application for those skilled in the art, some concepts related to the present application are explained below.

1) Account and pending account

An account is typically a representation of the user's identity in the internet; the pending account in the embodiment of the present application may be, but is not limited to, an account that converts an information resource into an electronic resource for a current request.

2) Information Resources (Information Resources), Information Resources to be processed

The information resources in the embodiment of the present application may refer to, but are not limited to, information that is stored on a certain carrier in the form of characters, graphics, images, sounds, animations, videos, and the like and is available for use; the information resource may be, but is not limited to, a game resource (e.g., game equipment, etc.), a multimedia resource (e.g., video, audio, etc.), an electronic ticket (e.g., which may include, but is not limited to, an electronic group purchase ticket, an electronic discount ticket, etc.), a fund, a stock, an option, etc.

If the target conversion share B indicated by the account to be processed for the information resource of the type a indicated by the account to be processed is obtained in response to the account to be processed triggering the settlement request for the information resource of the type a in the embodiment of the present application, the information resource of the type a held by the account to be processed for the information resource of the type a corresponding to the target conversion share B is the information resource to be processed.

3) Electronic resources

The electronic resources involved in embodiments of the present application may include, but are not limited to, funds or other resources; the funds may include at least french coins, electronic money, and the like; the legal currency is a currency which is given to the legal currency for forced circulation, such as RMB, USD and the like; by electronic currency is meant currency stored in electronic form in an electronic wallet held by an account (such as a wallet in an application that can, but is not limited to, support for mobile payment, etc.), which can include, but is not limited to, electronic tickets, digital currency (an unregulated, digitized currency, gaming chips, etc.).

4) Holding time range and preset settlement ratio

In the embodiment of the application, in the process of converting the information resource into the electronic resource, the account to be processed needs to pay a certain commission charge, and under a normal condition, when the information resource holding time of the account to be processed is different, the preset settlement proportion of the commission charge to be paid can be determined to be different.

The embodiment of the application relates to the technical field of payment finance.

In order to make the objects, technical solutions and advantages of the present application clearer, the present application will be described in further detail with reference to the accompanying drawings, and it is obvious that the described embodiments are only a part of the embodiments of the present application, 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 application.

The following explains the concept of the present application.

With the development of internet technology, mobile payment has become a part of people's life, in general, in the process of an account request for converting a held information resource into an electronic resource, a certain proportion of electronic resources need to be transferred to a resource providing platform for providing the information resource, in order to facilitate an account to timely acquire the value of the electronic resource that needs to be transferred in the conversion process in the related art, the related platform can display the maximum value aiming at the payment proportion to the account after receiving the request for converting the information resource held by the related platform into the electronic resource triggered by the account, only display the maximum value aiming at the payment proportion to the account, and the richness of the displayed information is low; on the other hand, in general, the time for the account to hold the information resource is different, and in the process of converting the information resource into the electronic resource, the account needs to transfer the electronic resource to the resource providing platform in different proportions (i.e., the value for transferring the electronic resource to the resource providing platform is different), so the accuracy of the maximum value of the displayed payment proportion is low, and the account needs to estimate the electronic resource to be transferred based on the maximum value.

In view of the above, the inventor designs a settlement information display method, apparatus, device and storage medium for information resources, which are used for displaying the accuracy of settlement information in the settlement process of the information resources; in the embodiment of the present application, the key to improving the accuracy of the displayed settlement information is to improve the accuracy of the determined settlement information, so that in the embodiment of the present application, a target resource settlement result (i.e., the above-mentioned settlement information) for the converted information resource is determined based on the holding time range to which the time for the account holding the information resource belongs and the preset settlement ratios corresponding to the respective holding time ranges; specifically, a target conversion share for the information resource, which is indicated by the account to be processed, can be obtained in response to a settlement request for converting the information resource into an electronic resource, which is triggered by the account to be processed; determining at least one target holding time range of the information resources to be processed and corresponding conversion sub-shares according to each holding time range preset aiming at the information resources; and determining and displaying a target resource settlement result based on the at least one target holding time range, the corresponding conversion sub-share and a preset settlement proportion corresponding to the at least one target holding time.

In order to more clearly understand the design idea of the present application, an application scenario in the embodiment of the present application is described below as an example.

Referring to fig. 1, an application scenario for displaying settlement information of information resources is provided, where the application scenario may include a terminal device 110, a first server 120, and a second server 130; wherein:

the first server 120 may be, but is not limited to, a server in a resource conversion platform, where the resource conversion platform may be, but is not limited to, used to perform conversion between the information resource and the electronic resource, for example, but is not limited to, be used to convert an electronic resource held by an account into a corresponding information resource, and convert an information resource held by an account into a corresponding electronic resource, etc.;

the second server 130 may be, but is not limited to, a server of a target platform other than the resource transformation platform, and in this embodiment, the second server 130 may be, but is not limited to, a resource affiliation platform for acting on the resource transformation platform; when the information resource is a fund, the resource transformation platform may be a fund transformation platform (such as but not limited to a fund transaction platform provided by a company providing the fund), and the target platform may be but not limited to a fund reimbursement platform; when the information resource is stock, the resource conversion platform may be a stock exchange platform, and the target platform may be, but is not limited to, a stock affiliation platform for selling stocks by agency.

As an embodiment, the terminal device 110 (such as but not limited to 110-1 or 110-2 in the figure) and the second server 130 may perform network communication, the second server 130 may perform network communication with the first server 120 of one resource transformation platform, and the second server 130 may also perform network communication with the first server 120 of at least two resource transformation platforms, that is, when the resource transformation platform is a fund transaction platform, the second server 130 may perform network communication with the first server 120 of the fund transaction platform providing different types of funds.

As an embodiment, the conversion operation between the information resource and the electronic resource in the embodiment of the present application may include a first conversion operation of converting the electronic resource into the information resource, or may also include a second conversion operation of converting the information resource into the electronic resource, and the embodiment of the present application is mainly applied in a scenario including the second conversion operation; after holding an arbitrary share of the information resource, the account to be processed may trigger a settlement instruction for the second conversion operation with respect to the information resource held by the account to be processed, and in this scenario (i.e., a scenario including the second conversion operation), in a process in which the account to be processed requests to convert the information resource into an electronic resource:

the terminal device 110 may be installed with a client of the target platform, and then the account to be processed may trigger a settlement request for converting information resources into electronic resources through the client, and receive a displayed target resource settlement result through the client.

The second server 130 (such as but not limited to include 130-1, 130-2 or 130-3 illustrated in the figure) may obtain a target conversion share indicated by the pending account for the information resource in response to a settlement request for converting the information resource into an electronic resource triggered by the pending account; determining at least one target holding time range and corresponding conversion sub-share of information resources to be processed according to each holding time range preset for the information resources, wherein the information resources to be processed comprise the information resources which are associated with the accounts to be processed and accord with the target conversion share; and determining a target resource settlement result based on the at least one target holding time range and the corresponding conversion sub-share, and a preset settlement ratio corresponding to the at least one target holding time range, displaying the target resource settlement result, or sending the target resource settlement result to the terminal device 110, wherein the target resource settlement result is displayed through the target application, and the target conversion share can be, but is not limited to, the account to be processed is input through the client.

As an embodiment, after the second server 130 receives the settlement request, redemption information of the account to be processed with respect to the information resource may be further sent to the first server 120, where the redemption information may include, but is not limited to, the target conversion share, and at least one of a type of the information resource, a trigger time of the settlement request, and the like may also be included in the redemption information.

The terminal device 110 in the embodiments of the present application may be a mobile terminal, a fixed terminal, or a portable terminal, such as a mobile handset, a station, a unit, a device, a multimedia computer, a multimedia tablet, an internet node, a communicator, a desktop computer, a laptop computer, a notebook computer, a netbook computer, a tablet computer, a Personal Communication System (PCS) device, a personal navigation device, a Personal Digital Assistant (PDA), an audio/video player, a digital camera or camcorder, a positioning device, a television receiver, a radio broadcast receiver, an electronic book device, a game device, or any combination thereof, including accessories and peripherals of these devices, or any combination thereof.

In this embodiment of the application, the first server 120 and the second server 130 may be independent physical servers, may also be a server cluster or a distributed system formed by a plurality of physical servers, and may also be a plurality of cloud servers in a cloud service technology that provide basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDNs, and big data and artificial intelligence platforms (for example, the first server 120 may include, but is not limited to, the server 120-1, the server 120-2, or the server 120-3 illustrated in the drawing, and the second server 130 may include, but is not limited to, the server 130-1, the server 130-2, or the server 130-3 illustrated in the drawing); the functions of the first server 120 may be implemented by one or more cloud servers, or may be implemented by one or more cloud server clusters, and the like, and the functions of the second server 130 may be implemented by one or more cloud servers, or may be implemented by one or more cloud server clusters, and the like.

As an embodiment, the target platform in this embodiment of the present application may store account share detail information of the account to be processed, where the account share detail information may include, but is not limited to, information that the account to be processed holds a share of the information resource; the second server 130 may determine, based on the account share detail information, each of the information resources associated with the account to be processed, and further determine, from each of the information resources associated with the account to be processed, the information resource that meets the target conversion share as the information resource to be processed;

as an embodiment, the account share detail information may be updated by at least one of the following two updating methods: the updating method includes that 1) the target platform periodically acquires account share checking information from the resource conversion platform and updates account share detail information of the account to be processed based on the account share checking information, wherein the periodic updating period is not limited, and a person skilled in the art can set the updating period according to actual requirements, for example, the updating period can be set to be 1 day or 2 days; the updating mode 2) is updated when the target platform responds to the information resource triggered by the account to be processed aiming at the information resource and transfers to operate; in the embodiment of the present application, through the two updating manners, account share detail information including the latest information of the share of the information resource held by the account to be processed is stored in the target platform.

In a possible application scenario, in the embodiment of the application, a cloud storage technology may be adopted to store account share information of each account, and information such as preset settlement ratios corresponding to each holding time range preset for the information resources; the distributed Cloud Storage system (hereinafter referred to as a Storage system) refers to a Storage system which integrates a large number of Storage devices (Storage devices are also referred to as Storage nodes) of various types in a network through application software or application interfaces to cooperatively work through functions such as cluster application, grid technology and distributed Storage file system, and provides data Storage and service access functions to the outside.

In a possible application scenario, in order to reduce communication delay, the second servers 130 may be deployed in various regions, or in order to balance load, different second servers 130 may respectively serve the regions corresponding to the terminal devices 110, account share information of the accounts is stored by using a block chain technique, information such as preset settlement ratios corresponding to the holding time ranges preset for the information resources is stored, and the like, and the settlement information display method for the information resources according to the embodiment of the present application is implemented. The plurality of second servers 130 can implement data sharing through a blockchain, and the plurality of second servers 130 correspond to a data sharing system formed by the plurality of second servers 130. For example, the terminal device 110 is located at a site a and is in communication connection with the second server 130, and the terminal device 110 is located at a site b and is in communication connection with the other second server 130. The blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism and an encryption algorithm. A block chain (Blockchain), which is essentially a decentralized database, is a series of data blocks associated by using a cryptographic method, and each data block contains information of a batch of network transactions, so as to verify the validity (anti-counterfeiting) of the information and generate a next block. The blockchain may include a blockchain underlying platform, a platform product services layer, and an application services layer.

Each second server 130 in the data sharing system has a node identifier corresponding to the second server 130, and each second server 130 in the data sharing system may store node identifiers of other second servers 130 in the data sharing system, so that the generated block is broadcast to other second servers 130 in the data sharing system according to the node identifiers of other second servers 130.

Each second server 130 may maintain a node identifier list as shown in the following table, and store the name of the second server 130 and the node identifier in the node identifier list correspondingly. The node identifier may be an Internet Protocol (IP) address or any other information that can be used to identify the node, and table 1 only illustrates the IP address as an example.

TABLE 1

Server name	Node identification
		Node 1	119.115.151.174
Node 2	118.116.189.145
		…	…
Node N	119.124.789.258

The following mainly introduces a detailed description of the settlement information display method of information resources in the embodiment of the present application. It should be noted that the above application scenarios are only shown for the convenience of understanding the spirit and principle of the present application, and the embodiments of the present application are not limited in this respect.

First, in order to facilitate understanding of the implementation process of the embodiment of the present application, the contents of the updating manner 2) including the flow of the first conversion operation and the account share specification information described above related to the embodiment of the present application are further described below.

Referring to fig. 2, in a scenario including the first conversion operation, the account to be processed may trigger an information resource transfer operation for the information resource through the client in the terminal device 110, where the information resource transfer operation may be an operation of the account to be processed requesting to convert an electronic resource held by the account to a corresponding share of the information resource; the second server 130 may send an information resource transfer request to the first server 120 in the resource conversion platform in response to the information resource transfer operation, receive account share checking information returned by the first server 120, and update the share detail information of the account to be processed based on the received account share checking information, where the account share checking information may be, but is not limited to, sent by the first server 120 after converting the electronic resource held by the account to be processed into the corresponding share of the information resource in response to the information resource request, and the account share checking information may include information of the share of the information resource held by the account to be processed.

For convenience of understanding, a specific example is given here, in this example, the fund is taken as the information resource, the fund transaction platform is the resource conversion platform, and the fund brokering platform is the target platform, then the server in the fund transaction platform is the first server 120, and the server in the fund brokering platform is the second server 130, please refer to fig. 3, and an interaction process among the terminal device 110, the first server 120, and the second server 130 in the foregoing process is specifically as follows:

in step S301, the terminal device 110 converts the electronic resource into a resource purchase instruction of the fund based on the account to be processed, and sends a fund purchase operation to the second service 130.

The fund purchasing operation is a resource purchasing operation for the fund, which is an information resource, and a specific manner for triggering the resource purchasing operation on the account to be processed in the embodiment of the application is not limited, and a person skilled in the art can set the resource purchasing operation according to actual requirements.

In step S302, the second server 130 responds to the fund purchase operation and sends a fund transfer request to the first server 120.

Specifically, in this step, the second server may determine, based on the fund purchase operation, fund purchase information for the fund indicated by the account to be processed, and send the determined fund purchase information to the first server 120 by carrying the fund purchase information in the fund transfer request; the fund purchase information may include, but is not limited to, at least one of a type of the fund (such as which fund is specific), a purchase share for the fund, an electronic resource for purchasing the fund, and the like.

In step S303, the first server 120 performs clearing processing on the share of the fund held by the account to be processed in response to the fund transfer request.

The aforementioned clearing process may include, but is not limited to, subscribing or applying for a subscription to increase the share of funds held by the account to be processed, and recording the registration time (such as may, but is not limited to, including the registration date) of the share of funds newly held by the account to be processed.

In step S304, the first server 120 returns account share checking information to the second server.

The account share checking information may include, but is not limited to, information of shares of funds currently held by the account to be processed, time information of funds of respective shares purchased by the account to be processed, and the like.

In step S305, the second server 130 updates the account share specification information of the account to be processed based on the received account share checking information.

If the account to be processed purchases the fund, the share of the information resource newly purchased by the account to be processed can be added to the account share detail information.

Further, based on the application scenario of fig. 1, the following describes an example of a method for displaying settlement information of an information resource in the embodiment of the present application, please refer to fig. 4, which shows a flowchart of the method for displaying settlement information of an information resource in the embodiment of the present application, and specifically includes the following steps:

step S401, in response to a settlement request for converting an information resource into an electronic resource triggered by a pending account, obtaining a target conversion share for the information resource indicated by the pending account.

As an embodiment, the pending account may be, but is not limited to, a page provided by a client of the target platform, trigger the settlement request and indicate a target conversion share for the information resource, for example, the pending account may trigger a settlement request for an information resource of type a and indicate a target conversion share for an information resource of type a requesting conversion, where a value of the target conversion share is not limited, and may be set by a person skilled in the art according to actual requirements;

wherein, the specific manner of triggering the settlement request and indicating the target conversion share for the account to be processed is not limited, and those skilled in the art can set according to actual needs, and for easy understanding, fig. 5 provides an indication page for indicating the target conversion share for the account to be processed, and further can, but is not limited to, show the related information of the information resource in a region 501 in the indication page (such as at least one information of name, information resource code, conversion rule detail query control 502 of the information resource, or information of the resource conversion platform, etc.), show the total share of the information resource held by the account to be processed (such as X2 illustrated in the figure), and the maximum value of the target conversion share (such as X1 illustrated in the figure, where X1 is a value less than or equal to X2), and so on, other relevant information may also be presented in area 505; in the embodiment of the present application, the pending account may indicate the target conversion share through the share indication box 503, for example, the target conversion share may be directly input in the share indication box 503, and in addition, in order to facilitate the pending account to timely know the information currently holding the information resource, a maximum value of the target conversion share that may be indicated by the pending account may also be prompted in the share indication box 503 (such as may include, but is not limited to, X1 illustrated in the figure); the pending account may also indicate the target conversion share via respective share vote boxes in the share vote area 504.

As an embodiment, after obtaining the target conversion share in step S401, it may further determine that the account to be processed holds the total share of the information resource, and if it is determined that the target conversion share is greater than the total share, a first prompt message may be returned to notify the account to be processed of an input target conversion share error and the like through the error prompt message; the specific content of the error prompt message is not limited too much, and those skilled in the art can set the error prompt message according to actual needs, for example, but not limited to, the error prompt message may be set to "the currently indicated conversion share is wrong", "the share of XX information resources that you hold is not enough", "the target conversion share that you input exceeds your holding amount", and the like.

Step S402, determining at least one target holding time range and a corresponding conversion sub-share of an information resource to be processed according to each holding time range preset for the information resource, where the information resource to be processed includes the information resource corresponding to the target conversion share associated with the account to be processed.

As an embodiment, in the embodiment of the present application, a corresponding relationship between the holding time range and the preset settlement ratio may be respectively created in advance for each type of information resource, that is, a corresponding relationship between the holding time range and the preset settlement ratio may be created in advance for the information resource, where for ease of understanding, an example of a corresponding relationship between the holding time range and the preset settlement ratio is given below, please refer to table 2:

table 2: corresponding relation between holding time range and preset settlement ratio is established in advance aiming at information resources of type A

Range of holding times	Settlement preset ratio (unit)
		T1-T2	M1％
T3-T4	M2％
		T5-T6	M3％
…	…

In table 2, T1 to T6 are different time points, which may be, but are not limited to, days, hours, weeks, etc., and M1 to M3 are different values; the above values of T1-T6 and M1-M3 can be set by those skilled in the art according to actual requirements.

As an example, the longer the account holds the information resource, the less electronic resources it needs to transfer for the operation of converting the information resource into electronic resources may be, for example, if T1 to T6 in table 1 may be sequentially increased in value, and M1-M3 may be sequentially decreased in order, as the specific content in table 2 above may be, but is not limited to, the content in table 3 below:

TABLE 3

Range of holding times	Settlement preset ratio (unit)
		0-6 (Tian)	1.50％
7-29 (Tian)	0.15％
		>Not equal to 30 (Tian)	0.00％

If the account to be processed is switched to the electronic resource for holding 5 shares of information resources, and the holding time of the account to be processed holding the 5 shares of information resources is 8 days, 0.15% can be used as the preset settlement ratio corresponding to the 5 shares of information resources.

As an embodiment, in step S402, an information resource that meets the target conversion share may be determined as the information resource to be processed from each of the information resources associated with the account to be processed based on a preset resource settlement manner for the information resource; determining at least one target holding time range of the information resources to be processed and determining conversion sub-shares corresponding to each target holding time in the at least one target holding time range according to each holding time range in a first corresponding relation preset for the information resources and the time for holding each information resource to be processed of the account to be processed; wherein, each of the information resources associated with the pending account may be understood as: and each information resource held by the account to be processed or each information resource purchased by the account to be processed, and the like.

For convenience of understanding, a specific example is given here, if the information resource is an information resource of type a, and if the first corresponding relationship of the information resource of type a is shown in table 2, if the determined information resource to be processed is the information resource with 10 shares of information resources 1 to 10 in total, and the holding time of the account to be processed for the information resources 1 to 10 is as follows: if the time for holding the information resources 1 to 3 is 50 days, the time for holding the information resources 4 is 30 days, the time for holding the information resources 5 to 8 is 20 days, and the time for holding the information resources 9 to 10 is 10 days, it is determined that at least one target holding time range corresponding to the information resources 1 to 10 is "> 30 days" and "7 to 29 days", where the target time range "> 30 days" corresponds to 4 shares of the converter (i.e., the sum of the shares of the information resources 1 to 3 and the information resource 4), and the target time range "7 to 29 days" corresponds to 6 shares of the converter (i.e., the sum of the shares of the information resources 5 to 8 and the information resources 9 to 10).

As an embodiment, when the settlement information display method for information resources provided by the embodiment of the present application is applied to the second server 130, in step S402, the second server 130 may further determine each of the information resources associated with the account to be processed by:

the second server 130 may obtain locally stored account share information from a local, and determine each of the information resources associated with the account to be processed based on the obtained account share information; the account share information includes information that the account to be processed holds shares of the information resources, and the account share detail information is updated based on account share checking information acquired from the resource conversion platform, and the updating manner of the account share checking information can refer to the updating manners 1) and 2), which will not be described repeatedly herein;

the second server 130 may also directly obtain account share detailed information from the resource conversion platform after receiving the settlement request, and determine each information resource associated with the account to be processed based on the obtained account share detailed information; the account share detail information includes information of the share of the information resource held by the account to be processed.

Step S403, determining a target resource settlement result based on the at least one target holding time range and the corresponding conversion sub-share, and the preset settlement ratio corresponding to the at least one target holding time range.

As an embodiment, in step S403, the resource settlement sub-result corresponding to each target holding time range may be determined according to, but not limited to, the conversion sub-share corresponding to each target holding time range in the at least one target holding time range and the preset settlement ratio corresponding to each target holding time range; and determining the target resource settlement result based on the resource settlement operator result corresponding to each target holding time range.

Further, in order to improve the accuracy of each determined resource settlement sub-result, the following operations may be performed for each target holding time range: determining a reference product of a latest net resource value of the information resource and a conversion sub-share corresponding to one target holding time range in each target holding time range, wherein the latest net resource value comprises a latest electronic resource value equivalent to a unit share of the information resource, and determining a product of the reference product and a preset settlement ratio corresponding to the one target holding time range as a resource settlement sub-result corresponding to the one target holding time range; that is, the resource settlement sub-settlement corresponding to each target holding time range can be determined based on the principle of the following formula (1);

fi Qi × E0 × Wi formula (1)

In formula (1), i is the mark of the target holding time range, Fi is the resource settlement sub-result corresponding to the target holding time range marked as i, Qi is the conversion sub-share corresponding to the target holding time range marked as i, Wi is the preset settlement ratio corresponding to the target holding time range marked as i, and E0 is the latest net resource value for the information resource.

As an example, the above target resource settlement result may be determined based on, but not limited to, the principle of the following formula (2):

in formula (2), Fee is the target resource settlement result, i is the identifier of the target holding time range, Fi is the resource settlement sub-result corresponding to the target holding time range identified as i, and N is the total number of the target holding time ranges.

As an embodiment, when the method for displaying settlement information of information resources provided by the embodiment of the present application is applied to the second server 130, in step S403, the second server 130 may further determine the preset settlement ratio corresponding to each target holding time range in the at least one target holding time range by:

the second server 130 may obtain the first corresponding relationship locally, and determine, based on the first corresponding relationship, a preset settlement ratio corresponding to each target holding time range in the at least one target holding time range; the first corresponding relationship is periodically updated based on a second corresponding relationship obtained from the resource conversion platform, where the second corresponding relationship includes a preset corresponding relationship between each holding time range and a preset settlement ratio, that is, the first corresponding relationship and the second corresponding relationship may refer to the contents shown in table 1 or table 2, but are not limited thereto.

The second server 130 may also obtain a second corresponding relationship from the resource transformation platform, and determine a preset settlement ratio corresponding to each target holding time range in the at least one target holding time range based on the second corresponding relationship; the second corresponding relationship includes a preset corresponding relationship between each holding time range and a preset settlement ratio, that is, the first corresponding relationship and the second corresponding relationship may refer to the contents shown in table 1 or table 2, but are not limited thereto.

Step S404, displaying the target resource settlement result.

Specifically, in the embodiment of the present application, the target resource result may be flexibly displayed, and in the process of displaying the target resource settlement result, one or any combination of the following information B1 to information B6 may be further displayed:

information B1: and the resource settlement sub-result corresponding to each target holding time range.

Information B2: and the preset settlement proportion corresponds to each target holding time range.

Information B3: the target conversion share mentioned above.

Information B4: and converting the electronic resource value available for the information resource of the target conversion share.

Information B5: at least one information of the type, name, information resource code and information resource taking-out mode of the information resource.

The fetching method may include, but is not limited to, a resource fetching method 1 and a resource fetching method 2, where in the resource fetching method 1, the electronic resource obtained by converting the information resource of the target conversion share is transferred to an electronic resource set of the account to be processed in the target platform (for example, the electronic resource set may include, but is not limited to, various electronic purses, etc.); in the resource fetching mode 2, the electronic resource obtained by converting the information resource with the target conversion share is transferred to an account to be processed in an electronic resource set (such as but not limited to including various electronic purses) of a third-party platform, where the third-party platform is a platform other than the target platform, and if the target platform is a social application, the third-party platform may be an application other than the social application (such as but not limited to including a payment application or a game application) or a platform corresponding to each bank.

Information B6: platform information of a resource conversion platform for supporting the conversion of the information resource into an electronic resource, wherein the platform information may include, but is not limited to, a name of the resource conversion platform, an identifier or platform code of the resource conversion platform, and the like.

For easy understanding, please refer to fig. 6, which shows several exemplary views of the display page of the settlement information, such as displaying information, such as the information of converting the target conversion share of the information resource into the electronic resource, the obtained electronic resource value yy.yy, and the commission fee zz.zz of this conversion (i.e. the above-mentioned target resource settlement result, the electronic resource value of the account to be processed that needs to be transferred for the operation of converting the target conversion share of the information resource into the electronic resource) in the area 601 of the page shown in (a); information such as the xx.xx share of the information resource converted into the electronic resource, the obtained electronic resource value yy.yy, and the commission fee zz.zz (the above-mentioned target resource settlement result) of this conversion is shown in a region 602 of the page shown in (b) in the figure, and information such as the preset settlement ratios M1% and M2% corresponding to the target holding time ranges X1 and X2, respectively, and the resource settlement sub-results Z1 and Z2 corresponding to X1 and X2, respectively, are shown in a region 603.

As an embodiment, in the process of displaying the target resource settlement result, the method further includes: if the resource settlement sub-result is determined to be the target holding time range of the preset resource settlement sub-result; displaying first prompt information aiming at the determined target holding time range; responding to the resource conversion operation triggered by the account to be processed based on the first prompt message, and displaying a conversion sub-share corresponding to the holding time range to be converted and second prompt message through a resource conversion detail page, wherein the second prompt message is determined based on a resource settlement sub-result corresponding to the determined target holding time range; the preset resource ending operator result is not limited too much, and those skilled in the art can set the result according to actual requirements, for example, but not limited to, the preset resource ending operator result is set to 0.

Referring to fig. 7, a specific example is given for ease of understanding: the first prompt message may include, but is not limited to, at least one of the message 701, the message 702, and the key 703 in (a) in the figure, the holding time range to be converted is T3 days or more, the second prompt message may include, but is not limited to, the message 704 in the resource conversion detail page 700, and a person skilled in the art may also flexibly set specific display information and content of the target resource settlement result according to actual needs.

As an embodiment, in the process of determining information resources to be processed in step S402, if the resource settlement method includes a transfer-first conversion, the information resource with the earliest transfer time in the target conversion share is determined as the information resource to be processed from the information resources associated with the account to be processed based on the transfer time of each information resource for the account to be processed; the transfer time of one of the information resources (i.e. one share of information resources) to the account to be processed can be understood as the time for transferring the one of the information resources to the account to be processed, i.e. the time for purchasing the one information resource by the account to be processed; the above-mentioned first-in first-out can be understood as follows: after the account to be processed triggers a settlement request, sequentially determining the information resources to be processed according to the sequence of the transfer time of each information resource for the account to be processed from morning to evening until the determined share of the information resources to be processed reaches the target conversion share; that is, in the method, based on the transfer-in time of each information resource for the account to be processed and the settlement time of the settlement request triggered by the account to be processed, the holding duration of the account to be processed for each information resource is determined, and based on the sequence of the holding durations from long to short, the information resource of the target conversion share is determined as the information resource to be processed;

for ease of understanding, a specific example is given here: if the account to be processed shares 14 share information resources in total from the information resource 1 to the information resource 14, and the holding time of the information resource 1 to the information resource 14 is as follows: the holding time of the information resources 1 to 5 is 30 days, the holding time of the information resources 6 to 8 is 20 days, the holding time of the information resources 9 to 14 is 3 days, and if the target conversion share is 8 shares, the information resources 1 to 5 (5 shares in total of information resources) with the holding time of 30 days and the information resources 6 to 8 (3 shares in total of information resources) with the holding time of 20 days can be determined as the information resources to be processed; if the target conversion share is 12 shares, information resources 1 to 5 (5 shares in total) having a holding time length of 30 days, information resources 6 to 8 (3 shares in total) having a holding time length of 20 days may be determined as information resources to be processed, and information resources 12 to 5 to 3 shares may be selected from information resources 9 to 14 having a holding time length of 3 days, and the selected information resources may be determined as information resources to be processed.

As an embodiment, in the process of determining information resources to be processed in step S402, if the resource settlement manner includes a transfer-to-first conversion, determining the information resource of the target conversion share with the latest transfer-to-time as the information resource to be processed based on the transfer-to-time of each information resource for the account to be processed; wherein, the above-mentioned transferring in and transferring out can be understood as, but not limited to: after the account to be processed triggers a settlement request, sequentially determining the information resources to be processed according to the sequence of transfer time of each information resource aiming at the account to be processed from late to early until the determined share of the information resources to be processed reaches the target conversion share; that is, in the method, the holding duration of each information resource of the account to be processed may be determined based on the transfer-in time of each information resource for the account to be processed and the settlement time of the settlement request triggered by the account to be processed, and the information resources of the target conversion share may be determined as the information resources to be processed based on the order of the holding durations from short to long;

for ease of understanding, a specific example is given here: if the account to be processed shares the information resources from the information resource 1 to the information resource 14, and the holding time of the information resources from the information resource 1 to the information resource 14 is as follows: the holding time of the information resources 1-5 is 30 days, the holding time of the information resources 6-8 is 20 days, and the holding time of the information resources 9-14 is 3 days; if the target conversion share is 12 shares, the information resources 9-14 with the holding time length of 3 days (total 6 shares of information resources), the information resources 6-8 with the holding time length of 20 days (total 3 shares of information resources) can be determined as the information resources to be processed, and the information resources with the shares (12-6-3) are selected from the information resources 1-5 with the holding time length of 30 days, and the selected information resources are determined as the information resources to be processed.

To further understand the specific contents of the settlement information display method for information resources provided in the embodiment of the present application, a fund is taken as the information resource, and a fund affiliation platform is taken as the second server 130.

Referring to fig. 8, a flow chart of a settlement information display method of funds is shown, in which the pending account, which indicates the redemption share of the funds, is the settlement request triggered by the fund; the fund redemption platform determines the redemption share indicated by the account to be processed as the target conversion share in response to the fund redemption operation;

the fund brokering platform acquires a user position share detail record (namely the account position share detail information), determines at least one target holding time range corresponding to each information resource to be processed of the account to be processed based on the user position share detail information, further inquires the corresponding relation between each holding time range and a preset settlement proportion of the fund, determines the conversion sub-position corresponding to each target holding time range and the corresponding preset settlement proportion, estimates the expense according to the latest net value, determines the resource settlement sub-result corresponding to each target holding range, and determines and displays the target resource settlement result based on the resource settlement sub-result corresponding to each target holding time range.

Wherein the fund providing platform can provide the fund in-transit redemption inquiry to the fund factoring platform, so that the fund factoring platform subtracts the in-transit redemption of the fund from the share of the fund held by the account to be processed; the at least one target holding time range may be determined based on various files or information transmitted from the self-established fund TA account or the mid-signed fund TA account; the corresponding relationship between each holding time range of the fund and the preset settlement proportion can specify the fund taking mode through the C1 file, and in the process of determining the target holding time range, the accounts to be processed can be unified aiming at the units of the holding time of each information resource to be processed, such as but not limited to the unit of 'month/year', the conversion display according to '30/365 days', and the like.

Among them, under a TA account, can manage a plurality of funds of a fund platform (namely can regard a fund as a kind of information resources), it is the mutual bridge of the trading or settlement system of the fund factoring platform and TA account system of the fund platform, carry on the interaction through the form of the canonical interface file; the fund TA account is a fund account number of a fund management company fund held by an investor, is short for a resource Transfer Agent (Transfer Agent), is mainly used for completing a system for registering and settling the fund and the collected financing products, and specifically realizes the following services: account opening, account selling, customer data modification, account freezing/unfreezing, account registration, registration cancellation, subscription, purchase applying, redemption, escrow, non-transaction, product conversion, modification and dividend mode, share freezing/unfreezing, product establishment, release failure, product termination, dividend and the like; .

Mid-payment TA account (account of fund settlement system): the general fund company has two types of TA account systems, mainly a middle-grade fund TA account; the fund registration and settlement system can provide all-round services of subscription, redemption, related registration and settlement, rights and interests distribution, customer service and the like of the open fund for related participants; self-established fund TA account: the self-built TA is a set of registered user system built by the fund platform, the functions of the registered user system are completed in the self-built TA, and interaction with the central logging company is not needed when the service clearing is carried out.

The C1 file/05 file referred to in fig. 8 is a data format, data definition and data content adopted when data exchange is performed between platforms in fund-related services, and needs to be performed according to the chinese settlement data standard "open fund service data exchange protocol for central data exchange platform"; among them, the C1 file: the fund basic parameter file is a fund basic parameter file, two redemption modes of a specified redemption mode field, a packet first-in first-out mode (corresponding to the conversion first-in first-out mode) and a packet first-in first-out mode (corresponding to the conversion last-in first-out mode) are required to be used in the realization of the fund basic parameter file, and the two redemption modes are product rules specified by a fund platform for defining the redemption sequence of fund shares and determining the charging mode of commission charge (the target and the resource settlement result); 05, file: is fund account reconciliation data, namely a form of account share checking information related to the embodiment of the application.

Referring to fig. 9, an interactive process between a terminal, a fund brokering platform (said second server 130) and a fund platform (said first server 120) is provided, which includes a fund subscription process and a fund redemption process; wherein:

the fund subscription flow comprises the following steps S901 to S905, and the fund redemption flow comprises the following steps S906 to S907, wherein the specific contents of the steps are as follows:

step S901, the terminal device responds to the subscription instruction of the pending account for the fund, and sends a fund purchasing operation (i.e. the above resource purchasing operation) of subscribing (or called subscription) the fund to the fund affiliate platform.

Step S902, the fund brokering platform determines the subscription/subscription order file of the account to be processed for the fund in response to the fund purchasing operation, and sends a fund transfer request including the subscription/subscription order file to the fund platform.

And step S903, the fund platform responds to the fund transfer request and carries out clearing processing on the fund held by the account to be processed based on the subscription/subscription order file.

The fund platform in this step may, but is not limited to, perform operations 1 and 2 as follows; in operation 1, the share of the fund of the account to be processed can be increased by subscription/subscription based on the subscription/subscription order file; in operation 2, a registration date of the share indicated by the order corresponding to the underwriting/buyout order file may be recorded.

Step S904, the fund platform provides the fund brokering platform with account share reconciliation information for the fund.

Step S905, the fund brokerage platform checks the shares of the funds held by the account to be processed based on the account share checking information aiming at the funds, increases the shares of the funds held by the account to be processed, and updates the account share detail information of the account to be processed.

At step S906, the terminal device sends a settlement request for the fund to the fund brokerage platform in response to the redemption indication of the pending account for the fund.

Step S907, the fund brokering platform determines a target conversion share of the pending account application for redemption of the fund in response to the settlement request, and determines a target resource settlement result based on the target conversion share.

The process of determining the target resource settlement result can be referred to above, and will not be described repeatedly here.

In this step, at least one target holding time range corresponding to the fund (i.e. the information resource to be processed) that the account to be processed indicates to be redeemed can be determined based on the account share detail information of the account to be processed for the fund, the holding time range pre-created for the fund, and the corresponding relationship of the preset settlement proportion; further, a target resource settlement result can be determined based on the determined target holding time ranges and the in-transit redemption transaction situation of the fund.

Specifically, the fund affiliation mechanism may pull the configuration cache of the correspondence between the holding time range and the preset settlement ratio of the fund, inquiring account share detail information of the account to be processed aiming at the fund, determining the redemption confirmation date of the fund based on the triggering time of the settlement request, determining the user holding time of each fund in the fund of which the redemption is the target conversion share based on fields such as 'share registration date' in the account share detail information and each holding time range in the corresponding relation, and the holding time range corresponding to the user holding time length of each fund is determined as the target holding time range, further, based on the determined target holding time ranges and the in-transit redemption transaction condition of the fund, the resource settlement sub-result corresponding to each target holding time range is determined, further determining a target resource settlement result based on the resource settlement sub-result corresponding to each target holding time range; the user holding time can be determined based on "the user holding time is a redemption confirmation day-a redemption confirmation day", the redemption confirmation day can be, but is not limited to, a date of transferring funds into the account to be processed, the redemption confirmation day can be, but is not limited to, a date of converting funds into corresponding electronic resources, and a person skilled in the art can set the redemption confirmation day and the redemption confirmation day according to actual needs.

If there is an in-transit redemption fund in the fund held by the account to be processed, the holding time range needs to be deducted preferentially according to the first-in first-out rule, for example, if the account to be processed holds information resources with a share of 1 to 14 in total, and the holding time of the information resources 1 to 14 is as follows: the holding time of the information resources 1-5 is 30 days, the holding time of the information resources 6-8 is 20 days, and the holding time of the information resources 9-14 is 3 days; if the target converted share is 6 shares and the information resources 1-3 belong to the information resources being redeemed (i.e., the in-transit transaction resources), the information resources 4-5 (i.e., the information resources having the holding time of 30 days excluding the information resources 1-3 of the in-transit transaction) having the holding time of 20 days, and the information resources 6-8 having the holding time of 30 days can be processed as the information resources of the target converted share for redemption.

After step S907, the fund brokering platform may send the target resource settlement result to the terminal device, so as to display the target resource settlement result to the account to be processed through the terminal device.

In the following, the fund subscription flow is exemplarily described, if the account to be processed triggers the fund subscription request through the fund cancellation platform between T-1 day and T day, time M, the fund cancellation platform may send the subscription/subscription order file to the fund platform at about time M +1 of T day; the fund platform performs share registration on the account to be processed based on the subscription/subscription order file and the product valuation data of the fund, and further can provide account share check information for the fund reimbursement platform on the day T + 1; and the fund canceling platform performs share clearing/reconciliation of the fund on the account to be processed based on the received account share checking information, increases no available share on the account to be processed, and records share detail data of the account to be processed for the fund, wherein M is not limited, and is set to be 15 points and the like based on a general fund transaction rule. The account to be processed is held for the fund redemption flow initiated by the fund for N days, and the details of the fund redemption flow can be referred to the above description, and the description is not repeated here.

The following provides several examples of scenarios in the above examples that demonstrate the results of the target resource settlement.

Example one scenario: a commission fee (i.e., the target resource settlement result) is charged for all of the redemption shares for the fund (the target conversion shares).

Referring to fig. 10, in this scenario, the account to be processed enters a redemption share for the fund (i.e., the share of the fund that the account to be processed wants to withdraw) via page 1000, which page 1000 prompts the withdrawn share in area 1001 for the commission and an estimate of the commission (see 3.93 yuan illustrated in fig. (b)); and after the account to be processed clicks the detail query Info button 1002, the pop-up window 1003 is used to explain the taken-out estimated commission charge of the taken-out redeeming share in detail, wherein the estimated account amount in the figure is the electronic resource value available for converting the fund of the target conversion share, the commission charge is the target resource settlement result, and the latest fund net value is the latest resource net value, which is the electronic resource value available for converting the fund of the current share.

Scenario example two: the redemption share of the withdrawn funds (the target conversion share) without paying a commission fee (i.e., the target resource settlement result).

Referring to fig. 11, in this scenario, the account to be processed enters a redemption share for the fund (i.e., a share of the fund that the account to be processed wants to withdraw) via a page 1100, and the page 1100 prompts the withdrawn share in a region 1101 without paying a commission (see "withdraw no commission this time" schematically shown in fig. (b)); after the account to be processed clicks the detail query Info button 1102, the pop-up window 1103 is used to explain the withdrawal estimated commission charge of the withdrawn redemption portion in detail, wherein the explanation of the estimated account amount and the net value of the latest fund in the figure can be referred to the above.

Scene example three: the withdrawn fund has a redeemed share (the target conversion share), and a part of the fund is withdrawn without paying a commission fee (i.e., the target resource settlement result of the preset resource settlement operator result).

Referring to fig. 12, in this scenario, the account to be processed inputs a redemption share for the fund (i.e., a share of the fund that the account to be processed wants to take out) through the page 1200, and then the page 1200 may prompt that the taken out share (i.e., the target conversion share) has a commission fee (i.e., the above target resource settlement result) and a corresponding pre-evaluation value, and after the account to be processed clicks the detail query Info key, the window popup 1201 explains the taking-out pre-evaluation commission fee of the taken out share in detail; a shortcut button 1202 (i.e., the first prompt information) for "take out immediately no commission share" is provided in the popup 1201, and the user can enter a page 1203 after clicking the shortcut button 1202; the page 1203 may automatically write the share without commission charge into the input box of the share to be taken out, and display a second prompt message 1204, which indicates to take out the information without commission charge, and the content of the second prompt message is not limited, such as but not limited to "take out the share above, without commission charge" and so on.

According to the method provided by the embodiment of the application, in the process of account conversion of the information resources, the maximum value of the preset settlement proportion set for the information resources is displayed in the related technology, and whether the electronic resources related to the conversion can be received actually is informed by returning data of a resource conversion platform (such as a fund company) only after T + N days; on the other hand, the dependence of the account on the calculation of the resource settlement information is continuously promoted, for example, as the gray-scale fund is continuously released, the account clicks and redeems the fund, namely, the proportion of the calculation details of the commission fee (namely, the target resource settlement information) is higher and higher, specifically, referring to fig. 13, in 11/2020 to 11/28/2020, a fund replacement platform for experiment can already realize the scheme for 60% of the fund which is proxied and sold by the fund replacement platform, and after the scheme is realized for 100% of the fund which is proxied and sold by the fund platform in 11/29/2020, the account proportion (namely, the commission fee info proportion schematically shown in the figure) for viewing the details of the target resource settlement information by using the technical scheme provided by the application is obviously increased.

Referring to fig. 14, based on the same inventive concept, an embodiment of the present application provides a settlement information display apparatus 1400 for information resources, including:

a request response unit 1401, configured to obtain, in response to a settlement request for converting an information resource into an electronic resource, triggered by a pending account, a target conversion share for the information resource, indicated by the pending account;

a first processing unit 1402, configured to determine at least one target holding time range and a corresponding conversion sub-share of an information resource to be processed according to each holding time range preset for the information resource, where the information resource to be processed includes the information resource corresponding to the target conversion share associated with the account to be processed;

a second processing unit 1403, configured to determine a target resource settlement result based on the at least one target holding time range and the corresponding conversion sub-share, and the preset settlement ratio corresponding to the at least one target holding time range;

an information display unit 1404 configured to display the target resource settlement result.

As an embodiment, the first processing unit 1402 is specifically configured to:

determining the information resource which meets the target conversion share from each information resource associated with the account to be processed based on a preset resource settlement mode aiming at the information resource as the information resource to be processed;

As an embodiment, the first processing unit 1402 is specifically configured to:

if the resource settlement method comprises transfer-in-advance conversion, determining the information resource with the earliest transfer-in time target conversion share as the information resource to be processed from each information resource associated with the account to be processed based on the transfer-in time of each information resource for the account to be processed;

and if the resource settlement mode comprises late transfer-in-first conversion, determining the information resource with the latest transfer-in time of the target conversion share as the information resource to be processed based on the transfer-in time of each information resource for the account to be processed.

As an embodiment, the second processing unit 1403 is specifically configured to: determining a resource settlement sub-result corresponding to each target holding time range according to a conversion sub-share corresponding to each target holding time range in the at least one target holding time range and a preset settlement proportion corresponding to each target holding time range; and determining the target resource settlement result based on the resource settlement operator result corresponding to each target holding time range.

As an embodiment, the second processing unit 1403 is specifically configured to: for each target holding time range, the following operations are respectively executed:

determining, for one of the target holding time ranges, a reference product of a latest net-resource value of the information resource, the latest net-resource value including a latest electronic resource value equivalent to a unit share of the information resource, and a conversion sub-share corresponding to the one target holding time range; and determining the product of the reference product and the preset settlement proportion corresponding to the target holding time range as a resource settlement sub-result corresponding to the target holding time range.

As an embodiment, the second processing unit 1403 is further configured to:

displaying at least one of the following information:

the resource settlement sub-result corresponding to each target holding time range; the preset settlement proportion corresponding to each target holding time range is obtained; and converting the electronic resource value available for the information resource of the target conversion share.

As an embodiment, the second processing unit 1403 is further configured to: determining that the resource settlement sub-result is the target holding time range of the preset resource settlement sub-result; displaying first prompt information aiming at the determined target holding time range; and responding to the resource conversion operation triggered by the account to be processed based on the first prompt message, and displaying a conversion sub-share corresponding to the holding time range to be converted and second prompt message through a resource conversion detail page, wherein the second prompt message is determined based on a resource settlement sub-result corresponding to the determined target holding time range.

As an embodiment, the method is applied to a target platform other than a resource conversion platform, where the resource conversion platform is used for converting between the information resource and the electronic resource.

As an embodiment, the information resource includes a fund, and the method is applied to a fund-brokering platform.

As an embodiment, the first processing unit 1402 is further configured to:

determining each information resource related to the account to be processed based on locally stored account share detail information; the account share detail information includes information that the account to be processed holds the share of the information resource; the account share detail information is updated based on account share checking information acquired from the resource conversion platform; or

The account share detail information is obtained from the resource conversion platform, and each information resource related to the account to be processed is determined based on the account share detail information, wherein the account share detail information comprises information of share of the information resource held by the account to be processed.

As an embodiment, the first processing unit 1402 is further configured to:

and updating the account share detail information based on the received account share checking information.

As an embodiment, the second processing unit 1403 is further configured to determine the target resource settlement result based on the at least one target holding time range and the corresponding conversion sub-share, and the preset settlement ratio corresponding to the at least one target holding time, before:

Acquiring a second corresponding relation from the resource conversion platform, and determining a preset settlement proportion corresponding to each target holding time range in the at least one target holding time range on the basis of the second corresponding relation; the second corresponding relationship comprises a preset corresponding relationship between each holding time range and a preset settlement ratio.

As an embodiment, the apparatus in fig. 14 may be used to implement any one of the settlement information display methods of information resources discussed above.

The invention is based on the same inventive concept as the method embodiment, and the embodiment of the application also provides computer equipment. The computer device may be used for push content based data processing. In one embodiment, the computer device may be a server, such as the second server 130 shown in FIG. 1. In this embodiment, a computer device may be configured as shown in fig. 15, including a memory 1501, a communication module 1503, and one or more processors 1502.

The memory 1501 is used for storing computer programs executed by the processor 1502. The memory 1501 may mainly include a program storage area and a data storage area, where the program storage area may store an operating system, programs needed for running an instant messaging function, and the like; the storage data area can store various instant messaging information, operation instruction sets and the like.

The Memory 1501 may be a Volatile Memory (Volatile Memory), such as a Random-Access Memory (RAM); the Memory 1501 may also be a Non-Volatile Memory (Non-Volatile Memory), such as a read-only Memory (rom), a Flash Memory (Flash Memory), a Hard Disk Drive (HDD) or a Solid-State Drive (SSD); or memory 1501 is any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer, but is not limited to such. The memory 1501 may be a combination of the above memories.

The processor 1502 may include one or more Central Processing Units (CPUs), or be a digital Processing Unit, etc. The processor 1502 is configured to implement the settlement information display method of the information resource when calling the computer program stored in the memory 1501.

The communication module 1503 is used for communicating with terminal devices and other servers.

The embodiment of the present application does not limit the specific connection medium among the memory 1501, the communication module 1503 and the processor 1502. In the embodiment of the present application, the memory 1501 and the processor 1502 are connected by the bus 1504 in fig. 15, the bus 1504 is represented by a thick line in fig. 15, and the connection manner between other components is merely illustrative and not limited. The bus 1504 may be divided into an address bus, a data bus, a control bus, and the like. For ease of illustration, only one thick line is shown in FIG. 15, but this is not intended to represent only one bus or type of bus.

The memory 1501 stores a computer storage medium, and the computer storage medium stores computer-executable instructions for implementing the account feature extraction method according to the embodiment of the present application. The processor 1502 is configured to perform the above-described methods.

Those of ordinary skill in the art will understand that: all or part of the steps for implementing the method embodiments may be implemented by hardware related to program instructions, and the program may be stored in a computer readable storage medium, and when executed, the program performs the steps including the method embodiments; and the aforementioned storage medium includes: a mobile storage device, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.

Alternatively, the integrated unit of the invention may be stored in a computer-readable storage medium if it is implemented in the form of a software functional module and sold or used as a separate product. Based on such understanding, the technical solutions of the embodiments of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes several instructions to enable a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the settlement information display method for the information resources described above in the embodiments of the present invention. And the aforementioned storage medium includes: a removable storage device, a ROM, a RAM, a magnetic or optical disk, or various other media that can store program code.

Based on the same technical concept, the embodiment of the present application further provides a computer-readable storage medium, which stores computer instructions, when the computer instructions are executed on a computer, the computer is caused to execute the settlement information display method for information resources as discussed above.

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, 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 so forth) having computer-usable program code embodied therein.

It will be apparent to those skilled in the art that various changes and modifications may be made in the present application without departing from the spirit and scope of the application. Thus, if such modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is intended to include such modifications and variations as well.

Claims

1. A settlement information display method of information resources is characterized by comprising the following steps:

and displaying the target resource settlement result.

2. The method as claimed in claim 1, wherein determining at least one target holding time range and corresponding conversion sub-share of the information resource to be processed according to the preset holding time ranges for the information resource comprises:

3. The method as claimed in claim 2, wherein the determining, from the information resources associated with the account to be processed, the information resource that meets the target conversion share as the information resource to be processed based on a preset resource settlement manner for the information resource includes:

4. The method as claimed in claim 1, wherein the determining a target resource settlement result based on the at least one target holding time range and the respective corresponding conversion sub-share, and the respective corresponding preset settlement ratio of the at least one target holding time comprises:

5. The method as claimed in claim 4, wherein the determining the resource settlement sub-result corresponding to each target holding time range according to the conversion sub-share corresponding to each target holding time range in the at least one target holding time range and the preset settlement ratio corresponding to each target holding time range comprises:

6. The method of claim 4, wherein in presenting the target resource settlement result, the method further comprises:

displaying at least one of the following information:

7. The method of claim 4, wherein the method further comprises:

determining that the resource settlement sub-result is a target holding time range of a preset resource settlement sub-result;

8. The method of any one of claims 1-7, wherein the method is applied to a target platform other than a resource transformation platform for transforming between the information resource and the electronic resource.

9. The method of any one of claims 1-7, wherein the information resource comprises a fund, and the method is applied to a fund-brokering platform.

10. The method of claim 8, wherein the determining at least one target holding time range and corresponding respective conversion sub-shares of the information resource to be processed is based on preset respective holding time ranges for the information resource, the method further comprising:

determining each information resource related to the account to be processed based on locally stored account share detail information; the account share detail information comprises information of shares of the information resources held by the account to be processed; the account share detail information is updated based on account share checking information acquired from the resource conversion platform; or

11. The method of claim 10, wherein when determining each of the information resources associated with the pending account based on locally stored account share detail information, the method further comprises:

12. The method as claimed in claim 8, wherein before determining the target resource settlement result based on the at least one target holding time range and the respective corresponding conversion sub-share, and the respective corresponding preset settlement ratio of the at least one target holding time, the method further comprises:

13. A settlement information display device for information resources is characterized by comprising:

14. A computer program product, comprising computer instructions stored in a computer-readable storage medium, the computer instructions being read from the computer-readable storage medium by a processor of the computer device, the processor executing the computer instructions to cause the computer device to perform the method of any one of claims 1-12.

15. A computer-readable storage medium having stored thereon computer instructions which, when executed on a computer, cause the computer to perform the method of any one of claims 1-12.