CN115601178A

CN115601178A - Processing method and system for pre-purchase transition fund and computer equipment

Info

Publication number: CN115601178A
Application number: CN202211182259.3A
Authority: CN
Inventors: 周丽佩
Original assignee: Ping An Bank Co Ltd
Current assignee: Ping An Bank Co Ltd
Priority date: 2022-09-27
Filing date: 2022-09-27
Publication date: 2023-01-13

Abstract

The invention provides a method for processing pre-purchased transition fund, which comprises the following steps: receiving a subscription request sent by a client, wherein the subscription request comprises subscription time, subscription products and subscription funds; calling a customer picture; retrieving a plurality of transition products based on the customer representation and the subscription time; displaying a plurality of the transition products to a client; receiving a confirmation request sent by a client, wherein the confirmation request comprises a transitional product or a combination of a plurality of products; executing the confirmation request according to the subscription fund to further obtain accumulated fund; acquiring a purchase transfer time point according to the subscription time; and subscribing the subscribed products according to the accumulated funds at a transfer time point. The technical scheme of the invention effectively solves the problem that the fund of the financial management product with the set transition period or the neutral period is idle in the transition period or the neutral period.

Description

Processing method and system for pre-purchase transition fund and computer equipment

Technical Field

The invention relates to the technical field of financial science and technology, in particular to a processing method and a system for pre-purchasing transition fund and computer equipment.

Background

When customers subscribe to financial products in the market at present, the time from the open subscription date to the share confirmation date of the products is generally several days or longer, and the customers must prepare funds in advance for current accounts, and carry out subscription in advance or transfer to fund purchase on the last day of the share confirmation date. This has the following disadvantages: firstly, in a product recruitment and subscription period, funds are idle and cannot enjoy financial management benefit points; second, during the product close period, the customer may forget the next open subscription date and miss the subscription date; thirdly, after each financing position is expired, the customer needs to buy other financing products manually, and if the customer forgets or is not in time to deal with the financing products, the capital of the customer is idle and can only enjoy the current income.

Disclosure of Invention

The invention provides a processing method for pre-purchasing transition fund, a system and computer equipment thereof, which effectively solve the problem that the fund in the neutral period or the transition period is idle when a financial product is purchased.

In a first aspect, an embodiment of the present invention provides a method for processing pre-purchase transition fund, where the method for processing pre-purchase transition fund includes:

receiving a subscription request sent by a client, wherein the subscription request comprises subscription time, subscription products and subscription funds;

calling a customer picture;

retrieving a plurality of transition products based on the customer profile and the subscription time;

displaying a plurality of the transition products to a client;

receiving a confirmation request sent by a client, wherein the confirmation request comprises a transitional product or a combination of a plurality of products;

executing the confirmation request according to the subscription fund to further obtain accumulated fund;

acquiring a purchase transfer time point according to the subscription time; and

and subscribing the subscribed products according to the accumulated funds at the transfer time point.

Preferably, retrieving a number of transition products based on the customer representation and the subscription time includes:

retrieving a number of the transitional product's investment period;

judging whether the investment period of each transition product is less than the subscription time;

when the investment period of the transition product is less than the subscription time, the transition product is kept in a permission list;

determining whether the additive sum of the investment terms for a number of said interim products is less than said subscription time;

when the sum of the investment periods of a plurality of the transition products is less than the subscription time, retaining the combination of the plurality of the transition products in a permission list; and

retrieving at least one of the transition product or a combination of a plurality of the transition products from the permission list based on the customer representation.

Preferably, after determining whether the investment period of each transition product is less than the subscription time, retrieving a number of transition products based on the customer representation and the subscription time further comprises:

and when the investment period of all the transition products is longer than the subscription time, displaying prompt information to the client.

Preferably, before the customer image is called, the method for processing the pre-purchase transition fund further comprises the following steps:

calling customer information, wherein the customer information comprises a customer browsing trace, a risk level and a historical order; and

the customer information is analyzed to form a customer representation.

Preferably, the transitional products include risk levels and investment types, and the displaying of the transitional products to the client specifically includes:

and displaying the risk level and the investment type corresponding to each transition product to the client.

Preferably, the subscription request includes a subscription product, the subscription product includes an expiration time and a final income, and the processing method of the pre-purchase transition fund further includes, after the subscription product is subscribed according to the accumulated fund at a re-purchase time point:

determining whether the expiration time is satisfied; and

and when the expiration time is met, subscribing a transitional product or a combination of multiple products included in the confirmation request according to the final income.

In a second aspect, an embodiment of the present invention provides a computer device, where the computer device includes:

a memory for storing program instructions; and

a processor for executing the program instructions to implement the method of processing pre-purchase pot funds as described above.

In a third aspect, an embodiment of the present invention provides a system for processing pre-purchased transitional period funds, where the system for processing pre-purchased transitional period funds includes:

the system comprises a first receiving module, a second receiving module and a third receiving module, wherein the first receiving module is used for receiving a subscription request sent by a client, and the subscription request comprises subscription time, subscription products and subscription funds;

the first calling module is used for calling a client portrait;

the first retrieval module is used for retrieving a plurality of transition products according to the customer portrait and the subscription time;

the display module is used for displaying a plurality of transition products to the client;

the second receiving module is used for receiving a confirmation request sent by the client, wherein the confirmation request comprises a transitional product or a combination of a plurality of products;

the first execution module is used for executing the confirmation request according to the subscription funds to further acquire accumulated funds; and

the second execution module is used for acquiring a purchase transfer time point according to the subscription time;

and the subscription module is used for subscribing the subscribed products according to the accumulated funds at the time point of the transfer purchase.

Preferably, the first retrieving module comprises:

the second retrieval module is used for retrieving the investment duration of a plurality of transition products;

the judging module is used for judging whether the investment period of each transitional product is less than the subscription time or not;

a third execution module for retaining the transitional product on a permission list when the investment period of the transitional product is less than the subscription time;

a fourth execution module, configured to keep the combination of the multiple items of the transitional product in a permission list when the sum of the investment terms of the multiple items of the transitional product is less than the subscription time; and

and the second calling module is used for retrieving and calling at least one transition product or a plurality of combinations of transition products from the permission list according to the customer portrait.

Preferably, the processing system for pre-purchase transition fund further comprises:

the third calling module is used for calling customer information, wherein the customer information comprises a customer browsing trace, a risk level and a historical order; and

and the analysis module is used for analyzing the client information to form a client portrait.

According to the method, the system and the computer equipment for processing the pre-purchased transition fund, the transition financing product is provided in the pre-purchasing period and the transition period of the underwriting financing product, the proper transition financing product is retrieved by calculating the time of the pre-purchasing period and the transition period, the risk level, the investment type and the like related to the exhibition of the transition financing product meeting the requirements are displayed on the client side, the customer selects one of the items, the system automatically purchases the transition financing product in the pre-purchasing period and the transition period, the redemption of the transition financing product and the purchase of the underwriting product are completed before the time point of the transpurchasing, and the problem that the funds of the customer cannot obtain the income or can only obtain the low-efficiency income of the live deposit income in the pre-purchasing period and the transition period of the underwriting financing product is effectively solved.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the structures shown in the drawings without creative efforts.

FIG. 1 is a flow chart of a method for processing pre-purchase transition fund provided by an embodiment of the invention.

FIG. 2 is a first sub-flowchart of a method for processing pre-purchase transitional funds, provided by an embodiment of the present invention.

FIG. 3 is a second sub-flowchart of a method for processing pre-purchase transitional funds, provided by an embodiment of the present invention.

FIG. 4 is a third sub-flowchart of a method for processing pre-purchase transitional funds, provided by an embodiment of the present invention.

Fig. 5 is a schematic diagram of an internal structure of a system for processing pre-purchase transitional funds according to an embodiment of the present invention.

FIG. 6 is a schematic diagram of the internal structure of a first retrieving module of the system for processing pre-purchased interim funds shown in FIG. 5.

FIG. 7 is a sub-diagram illustrating an internal architecture of a system for processing pre-purchased interim funds according to an embodiment of the present invention.

Fig. 8 is a schematic internal structural diagram of a computer device according to an embodiment of the present invention.

The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. All other embodiments, which can be obtained by a person skilled in the art without making any creative effort based on the embodiments in the present invention, belong to the protection scope of the present invention.

The terms "second," "third," "fourth," and the like in the description and claims of this application and in the above-described drawings, if any, are used for distinguishing between similar planning objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances, in other words that the embodiments described are to be practiced in sequences other than those illustrated or described herein. Moreover, the terms "comprises," "comprising," and any other variation thereof, may also include other things, such as processes, methods, systems, articles, or apparatus that comprise a list of steps or elements is not necessarily limited to only those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such processes, methods, articles, or apparatus.

It should be noted that the description relating to "" second "" and the like in the present invention is for descriptive purposes only and is not to be construed as indicating or implying relative importance or implicit indication of the number of technical features indicated. Thus, a feature defined as "a" or "a second" can explicitly or implicitly include one or more of the feature. In addition, technical solutions between the embodiments may be combined with each other, but must be based on the realization of the technical solutions by a person skilled in the art, and when the technical solutions are contradictory to each other or cannot be realized, such a combination should not be considered to exist, and is not within the protection scope of the present invention.

Please refer to fig. 1 in combination, which is a flowchart illustrating a method for processing pre-purchase transitional funds according to an embodiment of the present invention. The method for processing the pre-purchased transition fund comprises the following steps.

And step S101, receiving a subscription request sent by a client, wherein the subscription request comprises subscription time, subscription products and subscription funds.

Specifically, the user issues a subscription request to the processing system for pre-purchasing interim funds through the app client of the smart device provided by the user. The subscription request is used for selecting subscription products by a client, the subscription products can be financial management products in a collection period, an open period, a closed period and an expiration receiving period, and a transition period or an open period exists between the time when the user initiates the subscription request and the time when the user successfully subscribes funds and the subscription products. For example, assuming that a product is purchased in an open purchase mode of 9 months and 1 days and thursday, and a customer requests a purchase request for a product a in a 3-ten-thousand yuan-renowned currency purchase mode on 9 months and 1 days on 8 months and 15 days and wednesday, a transition period of about two weeks occurs from 8 months and 15 days to 9 months and 1 day, and during the transition period, the purchase fund is in a non-income or low-income live period.

And step S102, calling a customer image.

Specifically, the processing system for pre-purchasing the funds in the transition period calls customer images through the internal storage of the system.

Step S103, searching a plurality of transition products according to the customer portrait and the subscription time.

In particular, the specific process of retrieving several transition products based on customer representation and time of subscription will be described in detail below.

And step S104, displaying a plurality of transition products to the client.

Specifically, the transitional products comprise risk levels and investment types, and the risk levels and the investment types corresponding to the transitional products are displayed to the client.

Step S105, receiving a confirmation request sent by the client, wherein the confirmation request comprises a transitional product or a combination of multiple products.

Specifically, after the transition product is selected in the transition product interface, the user sends a confirmation request to the processing system for pre-purchasing the transition fund, and confirms the purchased transition product, wherein the confirmation request comprises a scheme for purchasing the specified transition product and a scheme for subscribing. For example, if the customer selects the b scheme, the b scheme is actually selected and the pre-purchased a product is selected by the customer, namely the a product is automatically purchased after the b scheme is executed.

Step S106, the confirmation request is executed according to the subscription fund, and then the accumulated fund is obtained.

Specifically, the system executes a confirmation request to obtain the accumulated funds corresponding to the market. For example, if the subscription fund is 3 ten thousand yuan, the plan b executed by the 3 ten thousand yuan can obtain part of the income, and the subscription fund and the income are accumulated fund, for example, the accumulated fund is 3.1 ten thousand renminbi.

And step S107, acquiring a re-purchasing time point according to the subscription time.

Specifically, the resale time point is obtained as the underwriting time minus the necessary weekdays. For example, if the subscription time is 9 months, 1 weeks, then according to the market trading rule, the full amount of funds acquired before T-1 is needed, T is the trading day, i.e. the accumulated funds need to be redeemed before 3 pm in 8 months, 31 days, so the system automatically calculates the time point of the purchase change after acquiring the confirmation request, i.e. the trade redemption is executed one trading day before the day.

And S108, underwriting the underwriting products according to the accumulated funds at the time point of the underwriting.

Specifically, the underwriting products are underwritten with the latest accumulated funds at the resale time point. For example, if the accumulated fund is acquired as 3.1 ten thousand RMB, the product a is approved in 9 months 1 with 3.1 ten thousand RMB, and the income can be acquired in 9 months 2.

In summary, after the user selects the financial products to be subscribed at the client, the processing system for pre-purchasing funds in the transition period receives the subscription request, and retrieves the transition products meeting the regulations according to the customer images and the subscribed financial products. After the user confirms, the system adaptively calculates a transfer-purchase time point, and redeems the financial products to purchase the subscription products one day before the transfer-purchase time point, thereby obtaining the maximum profit.

Please refer to fig. 2 in combination, which is a first sub-flowchart of a method for processing pre-purchase transitional funds according to an embodiment of the present invention.

Retrieving transition products based on customer representation and subscription time includes the following steps.

Step S202, the investment period of a plurality of transition products is searched.

Specifically, a processing system for pre-purchasing interim funds retrieves the investment terms for a number of interim products from a product library.

Step S204, judging whether the investment period of each transition product is less than the subscription time. When the investment period of the transition product is less than the subscription time, executing step S208; when the investment period of all the interim products is greater than the subscription time, step S302 is performed.

Step S206, judging whether the sum of the investment deadlines of a plurality of transitional products is less than the subscription time, and executing step S210 when the sum of the investment deadlines of a plurality of transitional products is less than the subscription time.

Specifically, the size relation between the investment period and the subscription time of one transition product is judged, and meanwhile, the system also matches the condition that the sum of the investment periods of a plurality of transition products is smaller than the subscription time. For example, when the investment period of the b product is 14 days, the investment period of the c product is 7 days, the investment period of the d product is 21 days, and the investment period of the e product is 3 days, while the subscription time is 9 month 1, and the initiation subscription request is 8 month 15, 16 days are separated.

Step S208, the transitional product is retained in the permission list.

Specifically, a processing system for pre-purchasing interim funds retains screened interim products into a permission list for customer selection. For example, as mentioned above, the b product, c product, e product pass the screening of the product, and the d product cannot pass.

Step S210, the combination of the multiple transitional products is retained in the permission list.

Specifically, a processing system for pre-purchasing interim funds retains combinations of screened interim products into a permission list for customer selection. For example, as described above, a combination of c + e products passes the screening of products, and a combination of b + c or b + e does not.

Step S212, at least one transition product or a combination of multiple transition products is retrieved from the permission list according to the customer portrait.

Specifically, the processing system for pre-purchasing transition fund retrieves one transition product or a combination of multiple transition products from a permission list according to the customer image for the user to select. For example, as mentioned above, the system calls the combination of b product, c product, e product and c + e product to be recommended to the user interface in a pop-up window mode, and the user can refer to different product data of each product in a sliding mode.

And step S302, displaying the prompt information to the client.

Specifically, when the processing system for pre-purchasing the funds in the transition period cannot retrieve the proper transition products to enter the permission list, a prompt report is popped up, and the prompt time interval is too short to ask for patience to wait for the transaction. For example, if the user subscription time is 9 month 1, and the time of initiating the subscription request is 8 month 31, the system cannot retrieve a suitable transition product to enter the permission list, and then a prompt message is reported.

In conclusion, the processing system for pre-purchasing transition fund searches the transition products in the database, judges the investment period of the transition products, compares the investment period with the purchase subscribing time, selects one or a combination of a plurality of transition products to enter the permission list, displays the permission list for the user to refer to and select, and if no transition product meets the requirement, reports the prompt information.

Please refer to fig. 3 in combination, which is a second sub-flowchart of the method for processing the pre-purchase transitional funds according to the embodiment of the present invention.

The method for processing pre-purchase transitional funds prior to invoking the customer representation further comprises the following steps.

Step S402, customer information is called, wherein the customer information comprises customer browsing traces, risk levels and historical orders.

In step S404, the customer information is analyzed to form a customer portrait.

Specifically, the processing system for pre-purchasing interim funds forms a customer representation from the customer information of the user, including but not limited to customer travel history, risk level, and historical orders. For example, the process is an abstract process in a client portrait, the process is expressed in a numerical form in the system, the process can be expressed in various forms at a user or a business manager, such as six mango stars, a three-dimensional graph, a bar graph, a percentage graph and the like, the six mango stars, namely six corners, are risk levels, investment types, investment earnings, capital ratios, capital sums, product browsing times and the like, an obvious graph is formed for the client or the business manager to refer to, and the adaptation degree of products is compared at the system end in a data form.

Please refer to fig. 4 in combination, which is a third sub-flowchart of the processing method for pre-purchasing transitional funds according to the embodiment of the present invention.

The method for processing the pre-purchase transition fund comprises the following steps after the subscription request comprises the subscription product, the subscription product comprises the expiration time and the final income, and the subscription product is subscribed according to the accumulated fund at the re-purchase time point.

Step S502, judging whether the expiration time is satisfied, and executing step S504 when the expiration time is satisfied.

Step S504, according to the final income, the transitional product or the combination of the multiple products included in the confirmation request is subscribed.

Specifically, upon expiration of the subscription product, the system automatically transfers the redeemed final benefit into the interim product of the previously validated investment and alerts the user. For example, when the purchased subscribed product is 10 month 30, expires and the time reaches 10 month 31, the system automatically redeems the product and purchases the income of the subscribed product, namely the final income, again for the transitional product invested before, for example, 4 ten thousand RMB as the final income, and then purchases the scheme b with 4 ten thousand RMB at 10 month 31.

Please refer to fig. 8, which is a schematic diagram of an internal structure of a computer device according to an embodiment of the present invention. The computer device 200 specifically includes a memory 210 and a processor 220. The memory 210 is configured to store program instructions and the processor 220 is configured to execute the program instructions to implement the method for processing pre-purchased interim funds described above.

In some embodiments, the processor 220 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor or other data Processing chip for executing program instructions stored in the memory 210.

The memory 210 includes at least one type of readable storage medium including flash memory, a hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory, etc.), a magnetic memory, a magnetic disk, an optical disk, and the like. The memory 210 may be an internal storage unit of the computer device, such as a hard disk of the computer device, in some embodiments. The memory 210 may also be an external storage device of the computer device in other embodiments, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), etc. provided on the computer device. Further, the memory 210 may also include both internal storage units of the computer device and external storage devices. The memory 210 may be used not only to store application software installed on a computer device and various types of data, such as codes implementing a processing method of pre-purchase transitional period funds, etc., but also to temporarily store data that has been output or will be output.

Please refer to fig. 5, which is a schematic diagram illustrating an internal structure of a system for processing pre-purchase transitional funds according to an embodiment of the present invention.

The system 10 for processing a transitional period of a financial product includes a first receiving module 101, a first retrieving module 102, a first retrieving module 103, a presenting module 104, a second receiving module 105, a first executing module 106, a second executing module 107, and an underwriting module 108.

The system comprises a first receiving module 101, configured to receive a subscription request sent by a client, where the subscription request includes a subscription time, a subscription product, and subscription funds.

The first retrieving module 102 is used for retrieving the customer image.

Specifically, the user issues a subscription request to the processing system for pre-purchasing interim funds through the app client of the smart device provided by the user. The subscription request is used for selecting subscription products by the client, the subscription products can be financial products accepted due to recruitment periods, open periods, closed periods, and a transition period or a blank period exists from the time when the user initiates the subscription request to the time when the user successfully subscribes the fund to the subscription products. For example, assuming that a product is purchased in an open purchase mode of 9 months and 1 days and thursday, and a customer requests a purchase request for a product a in a 3-ten-thousand yuan-renowned currency purchase mode on 9 months and 1 days on 8 months and 15 days and wednesday, a transition period of about two weeks occurs from 8 months and 15 days to 9 months and 1 day, and during the transition period, the purchase fund is in a non-income or low-income live period.

A first search module 103 searches for a plurality of transition products based on the customer representation and the subscription time.

A display module 104 for displaying the plurality of transition products to the client.

A second receiving module 105, configured to receive a confirmation request sent by the client, where the confirmation request includes a transitional product or a combination of multiple products.

Specifically, after the user selects the transition product in the transition product interface, a confirmation request is sent to the processing system for pre-purchasing the funds in the transition period, and the purchased transition product is confirmed, wherein the confirmation request comprises a scheme for purchasing the specified transition product and a scheme for subscription. For example, if the customer selects the b scheme, the b scheme is actually selected and the pre-purchased a product is selected by the customer, namely the a product is automatically purchased after the b scheme is executed.

The first executing module 106 is configured to execute the confirmation request according to the subscription fund to obtain the accumulated fund.

Specifically, the system executes a confirmation request to obtain the accumulated funds corresponding to the market. For example, if the subscription fund is 3 ten thousand yuan RMB, the scheme b of executing the 3 ten thousand yuan RMB can obtain part of the income, and the subscription fund and the income are the accumulated fund, for example, the accumulated fund is 3.1 ten thousand RMB.

And a second executing module 107, configured to obtain a transfer time point according to the subscription time.

Specifically, the resale time point is obtained as the underwriting time minus the necessary weekdays. For example, if the subscription time is 9 months, 1 st, thursday, according to the market trading rules, the full amount of funds obtained before T-1 is needed, T is the trading day, i.e. the accumulated funds need to be obtained before 3 pm at 31 pm of 8 months, so the system automatically calculates the time point of the subscription after obtaining the confirmation request, i.e. the trading redemption is performed one trading day before.

An underwriting module 108 for underwriting an underwriting product based on the accumulated funds at a reshipment time point.

Please refer to fig. 6, which is a schematic diagram of an internal structure of a first retrieving module according to an embodiment of the present invention.

The first retrieving module 103 includes a second retrieving module 201, a determining module 202, a third executing module 203, a fourth executing module 204, and a second retrieving module 205.

A second retrieval module 201 for retrieving investment terms for a number of transitional products.

A decision block 202 for determining whether the investment period for each interim product is less than the subscription time.

A third executing module 203, configured to keep the transitional product on the permission list when the investment period of the transitional product is less than the subscription time.

The fourth execution module 204, when the sum of the investment terms of the transition products is less than the subscription time, retains the combination of the transition products in the permission list.

A second recall module 205 to recall at least one transitional product or a combination of transitional products from the permission list based on the customer representation.

Please refer to fig. 7, which is a sub-diagram illustrating an internal structure of a system for processing pre-purchase transitional funds according to an embodiment of the present invention.

The processing system 10 for pre-purchasing interim funds further includes a third recall module 301 and an analysis module 302.

And the third invoking module 301 is configured to invoke customer information, where the customer information includes a customer browsing trace, a risk level, and a historical order.

An analysis module 302 for analyzing the customer information to form a customer representation.

In the embodiment, a transitional financing product is provided in the pre-purchase period and the transition period of the underwriting financing product, the proper transitional financing product is retrieved by calculating the time of the pre-purchase period and the transition period, the risk level, the investment type and the like related to the exhibition of the transitional financing product meeting the requirements are displayed on the client, the client selects one item, the system automatically purchases the transitional financing product in the pre-purchase period and the transition period, and the redemption of the transitional financing product and the purchase of the underwriting product are completed before the time point of the transpurchase, so that the problem that the client cannot obtain the income or can only obtain the low-efficiency income of the deposit income in the pre-purchase period and the transition period of the underwriting financing product is effectively solved.

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

The above-mentioned embodiments are only examples of the present invention, which should not be construed as limiting the scope of the present invention, and therefore, the present invention is not limited by the claims.

Claims

1. A method for processing pre-purchased transition fund, which is characterized by comprising the following steps:

calling a customer picture;

retrieving a plurality of transition products based on the customer representation and the subscription time;

displaying a plurality of the transition products to a client;

acquiring a purchase transferring time point according to the subscription time; and

2. The method of processing pre-purchase transition funds of claim 1, wherein retrieving transition products based on the customer representation and the time of the subscription includes:

retrieving a number of the transitional product's investment period;

when the sum of the investment terms of a plurality of the transitional products is less than the subscription time, the combination of the plurality of the transitional products is reserved in a permission list; and

3. The method of claim 2, wherein after determining whether the investment period of each transient product is less than the subscription time, retrieving transient products based on the customer representation and the subscription time further comprises:

4. The method of processing pre-purchased interim funds of claim 3, wherein prior to invoking the customer representation, the method of processing pre-purchased interim funds further comprises:

the customer information is analyzed to form a customer representation.

5. The method for processing pre-purchased transition fund according to claim 1, wherein the transition products comprise risk levels and investment types, and the displaying of the plurality of transition products to the client specifically comprises:

6. The method of processing pre-purchase transition funds of claim 1, wherein the subscribed products include an expiration time and a final benefit, and wherein the method of processing pre-purchase transition funds further comprises, after the subscribed products are subscribed at a re-purchase time point based on the accumulated funds, the method of processing pre-purchase transition funds further comprising:

determining whether the expiration time is satisfied; and

7. A computer device, characterized in that the computer device comprises:

a memory for storing program instructions; and

a processor for executing the program instructions to implement the method of processing pre-purchase pot funds according to any one of claims 1 to 6.

8. A system for processing pre-purchased interim funds, the system comprising:

the first calling module is used for calling a client portrait;

the first execution module is used for executing the confirmation request according to the subscription fund so as to obtain accumulated fund; and

9. The system for processing pre-purchase transitional funds of claim 8 in which the first retrieval module comprises:

a second retrieval module for retrieving at least one of the transition product or a combination of a plurality of the transition products from the permission list based on the customer representation.

10. The system for processing pre-purchased interim funds of claim 8, further comprising:

the second calling module is used for calling customer information, wherein the customer information comprises a customer browsing trace, a risk level and a historical order; and