CN115713421A - Resource processing method, device, computer equipment and storage medium - Google Patents
Resource processing method, device, computer equipment and storage medium Download PDFInfo
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Abstract
The application relates to a resource processing method, a resource processing device, computer equipment and a storage medium. The method comprises the following steps: determining a resource set to be subjected to value exchange, wherein resources in the resource set belong to a target identifier; in the resource collection, determining a target resource with an exchange completion date not later than an expected date; obtaining the corresponding exchange number of the target resources according to the expected exchange value; when the exchange completion dates of the target resources have a sequence, initiating corresponding value exchange requests based on the exchange number corresponding to the target resources in sequence according to the reverse sequence of the sequence, so that the resource receiving platform responds to the exchange values corresponding to the target resources returned by the value exchange requests respectively on the expected date; and correspondingly increasing the value of the target identifier at one time on the expected date based on the actual exchange value obtained by accumulating the exchange values corresponding to the target resources. By adopting the method, the efficiency of exchanging the values of a plurality of resources can be improved.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a resource processing method and apparatus, a computer device, and a storage medium.
Background
With the rapid development of computer technology and internet technology, investment operations and value exchange operations for resources on networks are becoming increasingly popular, for example, nowadays more and more applications can support the buying and redeeming of various resources, such as funds, stocks, futures, etc., provided by various large resource platforms.
Typically, to circumvent the risk of a single resource investment, a user purchases multiple resources, such as in the form of a fund portfolio or in the form of multiple funds, multiple stocks, and so forth. However, when a user wants to perform corresponding value exchange operations on a plurality of purchased resources, the corresponding exchange values of the plurality of resources are usually returned to the user in multiple times on different dates, and the efficiency of resource processing is very low, and especially when the user has a strong immediate demand for the values, the user experience is greatly influenced.
Disclosure of Invention
In view of the above, it is desirable to provide a resource processing method, a resource processing apparatus, a computer device, and a storage medium, which can improve efficiency of exchanging values of a plurality of resources, in view of the above technical problems.
A method of resource processing, the method comprising:
determining a resource set to be subjected to value exchange, wherein resources in the resource set belong to a target identifier;
determining a target resource with an exchange completion date not later than an expected date in the resource set;
obtaining the exchange number corresponding to each target resource according to the expected exchange value of the value exchange;
when the exchange completion dates of the target resources have a sequence, initiating corresponding value exchange requests in sequence based on the exchange number corresponding to the target resources according to the reverse sequence of the sequence, so that the resource receiving platform receives the exchange values corresponding to the target resources, returned by the resource platform in response to the value exchange requests respectively, on the expected dates;
and correspondingly increasing the value of the target identifier at one time on the expected date based on the actual exchange value obtained by accumulating the exchange values corresponding to the target resources.
An apparatus for resource handling, the apparatus comprising:
a resource set determining module, configured to determine a resource set to be subjected to value exchange, where a resource in the resource set belongs to a target identifier;
the target resource determining module is used for determining target resources with the exchange completion date not later than the expected date in the resource set;
the exchange copy number acquisition module is used for acquiring the exchange copy number corresponding to each target resource according to the expected exchange value of the value exchange;
a value exchange request module, configured to, when an exchange completion date of each target resource has a precedence order, sequentially initiate, according to a reverse order of the precedence order, a corresponding value exchange request based on the number of exchange copies corresponding to each target resource, so that, on the expected date, an exchange value corresponding to each target resource, which is returned by the resource platform in response to each value exchange request, is received;
and the value increasing module is used for correspondingly increasing the value of the target identifier at one time on the expected date based on the actual exchange value obtained by accumulating the exchange values corresponding to the target resources.
A method of resource processing, the method comprising:
displaying a value exchange interface corresponding to the resource set belonging to the target identification;
responding to the input operation of the expected date of the current value exchange completed in the value exchange interface, and displaying exchangeable total value corresponding to the target resource of which the exchange completion date is not later than the expected date in the resource set;
responding to input operation of expected exchange value of the value exchange, sending a value exchange list of the value exchange to a resource processing server according to the resource set, the expected date and the expected exchange value to indicate the resource processing server to obtain the exchange number of the target resources according to the expected exchange value in the value exchange list, when the exchange completion date of the target resources has a sequence, initiating corresponding value exchange requests according to the reverse sequence of the sequence and on the basis of the exchange number of the target resources in sequence, and receiving the exchange value corresponding to the target resources, returned by a resource platform in response to the value exchange requests respectively, on the expected date;
and displaying the updated resource value of the target identifier after the value exchange is completed on the expected date, wherein the resource value is obtained by correspondingly increasing the value of the target identifier at one time on the expected date based on the actual exchange value obtained by accumulating the exchange values corresponding to the target resources by the resource processing server.
An apparatus for resource handling, the apparatus comprising:
the display module is used for displaying the value exchange interface corresponding to the resource set belonging to the target identifier;
the display module is further used for responding to the input operation of the expected date for completing the value exchange in the value exchange interface, and displaying exchangeable total value corresponding to the target resource of which the exchange completion date is not later than the expected date in the resource set;
a value exchange sheet generation module, configured to send a value exchange sheet of the current value exchange to a resource processing server in response to an input operation of an expected exchange value of the current value exchange according to the resource set, the expected date, and the expected exchange value, so as to instruct the resource processing server to obtain the number of exchange copies corresponding to each target resource according to the expected exchange value in the value exchange sheet, and when an exchange completion date of each target resource has a precedence order, initiate a corresponding value exchange request in sequence based on the number of exchange copies corresponding to each target resource according to a reverse order of the precedence order, and receive, on the expected date, an exchange value corresponding to each target resource returned by a resource platform in response to each value exchange request, respectively;
the display module is further configured to display, on the expected date, a resource numerical value updated after the target identifier completes the value exchange, where the resource numerical value is obtained by the resource processing server by correspondingly increasing the value of the target identifier at one time on the expected date based on an actual exchange value obtained by accumulating the exchange values corresponding to each target resource.
A computer device comprising a memory storing a computer program and a processor implementing the steps of the resource handling method when executing the computer program.
A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the above-mentioned resource handling method.
A computer program 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 a computer device, the processor executing the computer instructions to cause the computer device to perform the steps of the above-mentioned resource handling method.
According to the resource processing method, the resource processing device, the computer equipment and the storage medium, the exchange completion date of each resource in the resource set is automatically analyzed, the target resource with the exchange completion date not later than the expected date is determined from the resource set based on the expected date of the current value exchange expected by the user, and the exchange number corresponding to each determined target resource is obtained based on the expected exchange value of the current value exchange expected by the user. Then, when the determined exchange completion date corresponding to the target resource has a sequence, according to the reverse sequence of the sequence, the corresponding value exchange request is submitted in sequence based on the exchange number corresponding to each target resource, so that the exchange value corresponding to each target resource returned by the resource platform can be received at the expected date, and after the exchange value corresponding to each target resource is accumulated at the expected date to obtain the actual exchange value, the actual exchange value is returned to the target identifier at one time, so that the value exchange can be completed at one time, the resource processing efficiency is improved, the requirement of a user on the exchange of the expected date and the immediate value can be met, and the user experience is greatly improved.
Drawings
FIG. 1 is a diagram of an application environment of a resource handling method in one embodiment;
FIG. 2 is a flow diagram illustrating a method for resource handling in one embodiment;
FIG. 3 is a schematic interface diagram of a resource exchange interface that exchanges value for a resource in one embodiment;
FIG. 4 is a timing diagram illustrating the exchange of value as a resource in one embodiment;
FIG. 5 is a timing diagram of querying resources in one embodiment;
FIG. 6 is a schematic diagram of an interface to a value exchange interface that exchanges resources for value in one embodiment;
FIG. 7 is a timing diagram illustrating the exchange of resources for value in one embodiment;
FIG. 8 is a flowchart illustrating a resource handling method according to another embodiment;
FIG. 9 is a flow diagram of a resource handling method in an exemplary embodiment;
FIG. 10 is a block diagram showing the structure of a resource processing apparatus according to one embodiment;
FIG. 11 is a diagram illustrating the internal architecture of a resource processing server in one embodiment;
fig. 12 is an internal structural view of a terminal in one embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.
The resource processing method provided by the application can be applied to the application environment shown in fig. 1. The terminal 102 communicates with the resource processing server 104 through a network, and the resource processing server 104 communicates with the resource platform through the network. In an embodiment, the resource processing server 104 may determine, according to a trigger operation of a user on the terminal 102 for the current value exchange, a resource set to be subjected to the value exchange, where resources in the resource set belong to the target identifier, and the resource processing server 104 determines, in the resource set, a target resource whose exchange completion date is not later than an expected date, and then obtains, according to an expected exchange value of the current value exchange, an exchange number of shares corresponding to each target resource. When the exchange completion dates of the target resources have a precedence order, the resource processing server 104 initiates a corresponding value exchange request to the resource platform 106 according to the reverse order of the precedence order and based on the number of exchange copies corresponding to each target resource, so as to receive, on the expected date, the exchange value corresponding to each target resource returned by the resource platform 106 in response to each value exchange request. Then, the resource processing server 104 correspondingly increases the value of the target identifier at a time on the expected date based on the actual exchange value obtained by accumulating the exchange values corresponding to the target resources.
In one example, the terminal 102 may display a value exchange interface corresponding to a resource set belonging to the target identifier, respond to an input operation of a desired date for completing the value exchange of this time in the value exchange interface, and display exchangeable total values corresponding to target resources whose exchange completion date is not later than the desired date in the resource set, where the exchangeable total values are sums of exchangeable values corresponding to the target resources. The terminal 102 further responds to the input operation of the expected exchange value of the current value exchange, and sends a value exchange list of the current value exchange to the resource processing server 104 according to the resource set, the expected date and the expected exchange value, and the resource processing server 104 obtains the exchange number of copies corresponding to each target resource according to the expected exchange value in the value exchange list, so that when the exchange completion date of each target resource has a precedence order, the resource processing server 104 sends corresponding value exchange requests to the resource platform 106 according to the reverse order of the precedence order and on the basis of the exchange number of copies corresponding to each target resource in sequence, and the resource processing server 104 can receive the exchange value corresponding to each target resource returned by the resource platform 106 in response to each value exchange request respectively on the expected date; the terminal 102 may display the updated resource value of the target identifier after completing the value exchange at this time on the expected date, where the resource value is obtained by the resource processing server 104 by correspondingly increasing the value of the target identifier at one time on the expected date based on the actual exchange value obtained by accumulating the exchange values corresponding to the target resources.
The terminal 102 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices, and the resource processing server 104 and the resource platform 106 may be implemented by independent servers or a server cluster formed by a plurality of servers.
Optionally, in one embodiment, an application is running on the terminal 102 that supports exchanging value for resources and exchanging resources for value, which may be a social application, an online payment application, and the like. The resource processing server 104 provides resource processing services for the application. The user may log in the application program and then operate a resource of a target identifier (e.g., a user identifier or a resource account of the user), for example, exchange the resource as a value or exchange the value as a resource, and the application program may generate a corresponding resource processing request according to the operation of the user and then communicate with the resource processing server 104 through the network, so as to instruct the resource processing server 104 to interact with the resource platform 106 according to the generated resource processing request, where the resource processing request may be a resource query request, a value query request, a resource exchange request, a value exchange request, a resource account query request, or the like. The resource platform 106 may be, for example, a server or a cluster of servers that provide resource management services for a resource selling enterprise.
In the embodiment of the present application, value exchange refers to an operation or processing flow for exchanging a resource belonging to a target identifier as a value, and resource exchange refers to an operation or processing flow for exchanging a value belonging to a target identifier as a resource. The resource processing method provided by the embodiment of the application can be executed by the terminal, can also be executed by the resource processing server, and can also be realized through the interaction between the terminal and the resource processing server.
In one embodiment, as shown in fig. 2, a resource processing method is provided, which is described by taking the example that the method is applied to the computer device (terminal 102 or resource processing server 104) in fig. 1, and includes the following steps:
Where a resource is an asset that may be exchanged for value, for example, a resource may be a fund, a stock, a future, a bond, etc., and a resource may also be a currency that may be exchanged for value. The resource set is a set of a plurality of resources, for example, the resource set may be a fund combination composed of at least two component funds, or a combination composed of a plurality of independent funds each belonging to the target identifier.
The target identification is an identification which is established for the user and used for managing and recording resource related data such as resource types, resource processing records and the like of the user. For example, the target identification may be a fund account, a stock account, a bond account, etc. of the user. For another example, when a user logs into the social application to manage his resources through a user identifier, the target identifier may be the user identifier used to log into the social application. Alternatively, the target identity may also be a resource account, such as a bank account, associated with the user identity.
In one embodiment, the terminal may present a resource list belonging to the target identifier, where the resource list includes resources of different kinds, such as fund combinations or independent funds. And the terminal receives a selection instruction of the user for the resources in the resource list, and determines the selected resources in the resource list according to the selection instruction, so as to determine the resource set for performing the value exchange at this time. The terminal can generate the value exchange list of the value exchange according to the determined resource set, and when the value exchange list of the time is submitted to the resource processing server, the determined resource set is transmitted to the resource processing server, so that the resource processing server obtains the resource set of the value exchange of the time. The selected resource may be a fund combination, may be a plurality of independent funds, and may further include at least one fund combination and at least one independent fund.
Optionally, the terminal may initiate a resource query request for the target identifier to the resource processing server in response to the resource query operation for the target identifier, receive a resource belonging to the target identifier returned by the resource processing server in response to the resource query request, and display the resource list belonging to the target identifier according to the returned resource belonging to the target identifier.
It can be understood that the selected resource is a resource that can be used according to the user's intention for performing the value exchange of this time. For example, the user selects a combination of funds as the resource set for which value exchange is to be performed this time, and since the combination includes a plurality of component funds, the set made up of the plurality of component funds is the resource set for which value exchange is to be performed this time. For example, the user selects a plurality of independent funds, and the set of the plurality of independent funds is a resource set for which value exchange is performed this time.
In one embodiment, when the user directly triggers the terminal to submit the value exchange ticket to the resource processing server without selection, the resource processing server may use all the resources belonging to the target identifier as the resource set for performing the value exchange this time.
In one embodiment, the resources belonging to the target identity are exchanged from the resource platform using the value belonging to the target identity. The terminal receives a resource exchange instruction for exchanging the value into the resource according to the operation of the user, the resource exchange instruction carries the user identification, the resource identification to be exchanged and the value used for exchanging the resource, the terminal generates a resource exchange list according to the resource exchange instruction, after submitting the resource exchange list to the resource processing server, the resource processing server submits a resource exchange request to the resource platform according to the resource exchange direction, so that the resource returned by the resource platform is transmitted to the terminal on the exchange completion date, and the terminal displays the resource obtained by the exchange.
FIG. 3 is a schematic diagram of an interface of a resource exchange interface that exchanges value as a resource in one embodiment. Referring to fig. 3, fig. 3 illustrates an example in which exchanged resources are a single resource set. The terminal can display the resource exchange interface corresponding to the resource set P selected by the selection instruction according to the selection instruction of the user, and receive the value, such as 1000 yuan, used by the user to input the resource exchange in the resource exchange interface. The terminal may also present a list of values used to exchange each resource in the resource set P, for example, the value of resource P1 usage is 200 yuan, the value of resource P2 usage is 500 yuan, and the value of resource P3 usage is 300 yuan. And after the user triggers a resource exchange instruction in the resource exchange page, generating a resource exchange list of the time and submitting the resource exchange list to the resource processing server.
In one embodiment, the resource management server may select a plurality of independent resources from the resources provided by the resource platform in advance, construct a resource set, and configure a corresponding proportion for each resource in the resource set. Then, when the terminal receives a resource exchange instruction for exchanging the value into the resource set, the terminal may determine, according to the value used in the current resource exchange and the configuration proportion, the value used in the current resource exchange of each resource in the resource set. After submitting the resource exchange list to the resource processing server, the resource processing server submits a resource exchange request corresponding to each resource to the resource platform in sequence according to the value used by each resource in the resource exchange list, so that each resource returned by the resource platform is transmitted to the terminal on the exchange completion date, and the terminal displays the resource collection obtained by exchange, wherein the resource collection comprises a plurality of independent resources.
Optionally, the value used by each resource in the resource exchange may also be determined by the resource processing server. When a terminal receives a resource exchange instruction for exchanging a value into the resource set, the resource exchange instruction carries a user identifier, a resource set identifier to be exchanged and a value used by the resource exchange, the resource exchange list of the time is generated according to the resource exchange instruction and submitted to a resource processing server, the resource processing server determines the value used by each resource exchanged by the resource set of the time according to the value used by the resource exchange in the resource exchange list of the time and the configuration proportion of each resource in the resource set, and then a resource exchange request corresponding to each resource is submitted to a resource platform in sequence according to the value used by each resource.
For example, the resource processing server selects a series of resources Pi, such as P1, P2, P3, P4, and P5, constructs a resource set P, and configures a corresponding ratio Ri for each resource in the resource set, such as P1 to 10%, P2 to 10%, P3 to 20%, P4 to 30%, and P5 to P30%.
FIG. 4 is a timing diagram illustrating the exchange of value for a resource in one embodiment. Referring to fig. 4, taking the exchange of value as a fund combination as an example, after a terminal acquires a fund combination selected by a user and an input total amount M, a resource exchange sheet is generated according to the fund combination and the total amount M, the resource exchange sheet is submitted to a resource processing server, the resource processing server calculates and records the amount M Ri of each component fund according to the configuration proportion Ri of each component fund Pi in the fund combination, and returns a payment link to the terminal, after the user pays, the terminal sends a notification of successful payment to the resource processing server, the resource processing server updates the holding amount and detail data of the fund combination, submits a subscription order to each fund company according to the amount of each component fund, after the fund company processes each subscription order, the resource processing server returns a processing result to the resource processing server, and the resource processing server returns the processing result to the terminal.
FIG. 5 is a timing diagram of querying a resource in one embodiment. Referring to fig. 5, taking an inquired resource as a fund combination as an example, a terminal receives an inquiry instruction for the fund combination, initiates a resource inquiry request to a resource processing server, receives the share and the net value of each component fund returned to the terminal after the resource processing server inquires the share and the net value of each component fund under the fund combination in response to the resource inquiry request, and calculates the total holding amount of the fund combination according to the returned share and net value of each component fund, and displays the total holding amount, and can also display the share and the net value of each component fund.
In step 204, in the resource collection, the target resource with the exchange completion date not later than the expected date is determined.
Wherein the exchange completion date is a date on which the resource exchange or the value exchange is completed. The embodiment of the application mainly introduces a process of exchanging resources into values, namely value exchange, and the exchange completion date is a date of exchanging the resources into the values and returning the values to users. The expected date is the date expected to complete the value exchange.
Due to the difference in resource types and resource platforms providing resources, different resources have different time required for completing value exchange, and have different exchange completion dates Ti, as shown in table 1 below, the exchange completion dates of different resources in the constructed resource set P are shown in table 1 below, where T represents the date of submission of the resource exchange or the value exchange:
| resource (Pi) | Proportion of configuration (Ri) | Date of completion of exchange |
| P1 | 10％ | T +1 exchange days |
| P2 | 10％ | T +2 exchange days |
| P3 | 20％ | T +3 exchange days |
| P4 | 30％ | T +4 exchange days |
| P5 | 30％ | T +5 exchange days |
TABLE 1
It can be seen that even if belonging to the same resource set P, there is a difference in the time required for each resource in the resource set P to complete the value exchange. Therefore, in the resource set that the user intends to perform the value exchange, the time required for each resource to complete the value exchange may be different. In order to meet the requirement of the user on the exchange time, the resource processing server can determine a target resource with the exchange completion date not later than the expected date from the resource collection.
It should be noted that the exchange completion date of the resource is dynamically changed, and since the time required for completing the value exchange is different, the exchange completion date of the resource is dynamically changed along with the date when the resource processing server submits the value exchange request to the resource platform. The target resource is the resource set, and if the value exchange request is submitted on the same day, the exchange completion date of the resource set is less than the expected date and equal to the expected date. In this way, it is ensured that the subsequent exchange completion date based on the determined target resource can meet the user's demand.
In one embodiment, determining a target resource for which the exchange completion date is no later than the expected date in the set of resources comprises: determining the exchange completion date corresponding to each resource in the resource set on the current date; acquiring an expected date for completing the value exchange; and taking the resource with the exchange completion date smaller than the expected date and the exchange completion date equal to the expected date as the target resource of the value exchange.
Specifically, the resource processing server may obtain an expected date for completing the value exchange, analyze an exchange completion date corresponding to each resource in the resource set based on the current date, and use a resource whose exchange completion date is smaller than the expected date and whose exchange completion date is equal to the expected date as a target resource of the value exchange.
For example, as shown in table 1 above, if the today date is T, the exchange completion date corresponding to P1 in the resource set P is T +1 exchange days, the exchange completion date corresponding to P2 is T +2 exchange days, the exchange completion date corresponding to P3 is T +3 exchange days, the exchange completion date corresponding to P4 is T +4 exchange days, and the exchange completion date corresponding to P5 is T +5 exchange days, if the expected date that the user expects to complete the value exchange is three days later, that is, T +2, then the determined target resource includes P1 and P2.
In one embodiment, the terminal may obtain a desired date input by the user about the resource collection and send the desired date to the resource processing server, and the resource processing server automatically analyzes the exchange completion date of each resource in the resource collection based on the current date, so as to determine a target resource with an exchange completion date no later than the desired date.
In one embodiment, the method further comprises: accumulating the exchangeable values corresponding to the target resources to obtain exchangeable total values corresponding to the exchange completion dates which are not later than the expected dates; and returning the exchangeable total value to the terminal so that the terminal can display prompt information about the exchangeable total value corresponding to the expected date according to the exchangeable total value.
Specifically, the resource processing server may query exchangeable values corresponding to the target resources belonging to the target identifier after determining the target resources, accumulate the exchangeable values corresponding to the target resources to obtain exchangeable total values corresponding to the target resources, return to the terminal, generate prompt information about the exchangeable total values through display, and display the prompt information to the user to prompt the user to exchange the obtained total values before the input expected date.
And step 206, obtaining the exchange number corresponding to each target resource according to the expected exchange value of the value exchange.
The expected exchange value is a value expected to be exchanged in the current value exchange. It will be appreciated that there is some difference between the expected value of the exchange and the actual value that the exchange is to be made when the value exchange is completed. The exchange share is the exchange share of the resource, and the exchange value of the resource is determined according to the exchange share and the unit exchange value of the resource. It should be noted that, there may be a case where the exchange number of the target resource is 0, that is, not all target resources satisfying the expected date participate in the value exchange of this time, and there may be a case where some target resources do not participate in the value exchange of this time. Of course, all the determined target resources may also participate in the value exchange.
In one embodiment, the terminal may obtain an expected exchange value of the value exchange input by the user, and send the expected exchange value to the resource processing server, and the resource processing server automatically determines the number of exchange copies corresponding to each target resource based on the expected exchange value.
It can be understood that when the terminal displays the prompt information of exchangeable total values corresponding to target resources meeting the expected date, the exchangeable total values corresponding to the expected date can be prompted to the user, if the user needs to exchange more values, the expected date needs to be adjusted, otherwise, if the exchangeable total values are larger than the expected exchange values of the user, the user can directly input the expected exchange values, and therefore, the exchange values and the value quantity expected by the user can be received on the expected date of the user.
In one embodiment, when a terminal receives a value exchange instruction for exchanging a resource set into a value, the value exchange instruction carries a user identifier, a resource set identifier to be exchanged, an expected exchange value and an expected date, a value exchange sheet of this time is generated according to the value exchange instruction and then submitted to a resource processing server, the resource processing server determines the resource set according to the resource set identifier in the value exchange sheet, determines target resources in the resource set according to the expected date in the value exchange sheet, counts exchangeable total values corresponding to the target resources, and determines the exchange number of copies or the exchange value corresponding to each target resource according to the expected exchange value, the exchangeable total values and the configuration proportion of the target resources in the resource set.
In one embodiment, the terminal may further automatically send the resource set identifier to be exchanged, the expected exchange value and the expected date to the resource processing server after the user inputs the expected exchange value and before submitting the value exchange instruction, the resource processing server returns the corresponding exchange number of copies or the exchange value of each target resource, and the terminal displays the exchangeable value list according to the returned exchange number of copies or the exchange value for the user to refer to. When the user confirms that the data can be submitted or when the user confirms that the data can be submitted after updating, the terminal receives the value exchange instruction, generates a value exchange list according to the value exchange instruction and submits the value exchange list to the resource processing server, and the resource processing server determines the exchange number or the exchange value corresponding to each target resource according to the value exchange instruction.
FIG. 6 is a diagram illustrating an interface of a value exchange interface for exchanging resources for value, in one embodiment. Referring to fig. 6, the terminal displays a value exchange interface corresponding to the resource set P, and receives an expected date for completing the value exchange, which is input by the user in the value exchange interface, for example, 4/10/2021. After determining that the exchange completion date of the target resources in the resource set P is not later than 2021, 4, month and 10, the terminal can also display 2300 elements of exchangeable total value obtained by accumulating the exchangeable values of the target resources, namely, 2300 elements can be paid out at most on the date. The terminal can also display 5000 yuan of exchangeable total value obtained by accumulating the exchangeable values of all the resources in the resource set, namely 5000 yuan is held in total. The terminal can also display a detailed list of exchangeable values corresponding to each resource in the resource set. The terminal receives a desired exchange value, such as 2000 dollars, entered by the user in the value exchange interface. After receiving the value exchange instruction, the terminal generates a value exchange sheet carrying the expected date, the expected exchange value and the resource set identifier, and after submitting the value exchange sheet to the resource processing server, the terminal can display the exchange number of copies or the exchange value of each target resource determined based on the expected exchange value and returned by the resource processing server.
It should be noted that, according to the difference of the expected exchange value input by the user, the target resource participating in the current value exchange and the exchange number of the target resource are correspondingly different. For example, when the expected exchange value input by the user is smaller than the exchangeable total value corresponding to each target resource, the resource processing server may calculate the number of exchanges corresponding to each target resource according to the configuration ratio, and allow each target resource to participate in the value exchange. The resource processing server may preferentially use the target resource whose exchange completion date is close to the desired date as the resource used in the current value exchange, that is, preferentially use the exchangeable value of the target resource whose exchange completion date is close to the desired date to perform the current value exchange. For example, the target resource with the exchange completion date equal to the expected date is preferentially used, if the corresponding exchangeable value is smaller than the expected exchange value, the target resource with the exchange completion date smaller than the expected date is used, and so on until the total exchangeable value is equal to the expected exchange value; if the corresponding exchangeable value is larger than the expected exchange value, other target resources are not needed, and the value exchange can be completed only by using the target resource with the exchange completion date equal to the expected date.
And step 208, when the exchange completion dates of the target resources have a sequence, initiating corresponding value exchange requests in sequence according to the reverse sequence of the sequence and based on the exchange number corresponding to each target resource, so that the resource platform receives the exchange values corresponding to each target resource, which are returned by the resource platform respectively responding to each value exchange request, on the expected date.
In particular, a value exchange request is a request to exchange a resource for value. And the resource processing server determines the target resource participating in the value exchange, and initiates a value exchange request according to the exchange number corresponding to the target resource participating in the value exchange. Because the number of exchange days required by different target resources for carrying out one-time value exchange is different, in order to ensure that the exchange values corresponding to the target resources can be received on the expected date, namely the same day, as expected by the user, the resource processing server can sequentially initiate corresponding value exchange requests according to the reverse order of the exchange completion date of the target resources determined by the current date.
In one embodiment, the resource processing server may obtain the number of exchange days required for performing one value exchange on each target resource, and when there is a difference between the required numbers, initiate corresponding value exchange requests in sequence based on the number of exchange copies corresponding to each target resource in a reverse order of a high-low order of the required numbers, so that, on an expected date, the resource receiving platform receives the exchange values corresponding to each target resource and returned in response to each value exchange request respectively.
It will be appreciated that the exchange completion date for each target resource, as determined at the current date, is also determined based on the number of exchange days required for the target resource to perform a value exchange. That is, the target resource with the earlier exchange completion date submits the corresponding value exchange request later, and the target resource with the later exchange completion date submits the corresponding value exchange request earlier, so that all the target resources can complete the value exchange on the desired date.
For example, if the today date is T, the exchange completion date corresponding to P1 in the resource set P is T +1 exchange days, the exchange completion date corresponding to P2 is T +2 exchange days, the exchange completion date corresponding to P3 is T +3 exchange days, the exchange completion date corresponding to P4 is T +4 exchange days, and the exchange completion date corresponding to P5 is T +5 exchange days. If the expected date of the user expecting to complete the value exchange is 2 days later today, namely T +2, the determined target resource comprises P1 and P2, if the target resources P1 and P2 are determined to participate in the value exchange, based on the deadline exchange value, the resource processing server initiates a value exchange request corresponding to the target resource P2 at T, namely today, so that the exchange value corresponding to the target resource P2 returned by the resource platform is received at the expected date T +2, and initiates a value exchange request corresponding to the target resource P1 at T +1, namely every other day, so that the exchange value corresponding to the target resource P1 returned by the resource platform is received at the expected date T + 2.
In one embodiment, the method further comprises: when the exchange completion dates of the target resources do not have the sequence, the resource processing server can initiate corresponding value exchange requests based on the exchange number corresponding to each target resource on the same day after determining the date of submitting the value exchange requests to the target resources, so that the resource receiving platform respectively responds to the exchange values corresponding to each target resource returned by each value exchange request on the expected date.
In an embodiment, when the exchange completion dates of the target resources have a precedence order, the resource processing server may also directly initiate a corresponding value exchange request based on the number of exchange copies corresponding to each target resource on the current date, so as to successively receive the exchange value corresponding to each target resource returned by the resource platform before the expected date.
For example, if the today date is T, the exchange completion date corresponding to P1 in the resource set P is T +1 exchange days, the exchange completion date corresponding to P2 is T +2 exchange days, the exchange completion date corresponding to P3 is T +3 exchange days, the exchange completion date corresponding to P4 is T +4 exchange days, and the exchange completion date corresponding to P5 is T +5 exchange days. If the expected date that the user expects to complete the value exchange is 2 days later today, namely T +2, the determined target resource comprises P1 and P2, if it is determined that the target resources P1 and P2 participate in the value exchange at this time based on the deadline exchange value, the resource processing server can respectively initiate a value exchange request corresponding to the target resource P1 and a value exchange request corresponding to the target resource P2 at T, namely today, so that the exchange value corresponding to the target resource P1 returned by the resource platform is received at the date T +1, and the exchange value corresponding to the target resource P1 returned by the resource platform is received at T + 2.
It should be noted that the exchange value corresponding to the target resource returned by the resource platform is determined according to the number of exchanges and the unit exchange value corresponding to the target resource at the time of exchange, and the exchange value corresponding to the target resource fluctuates due to fluctuations in the unit exchange value.
Specifically, the resource processing server receives the exchange values corresponding to the target resources returned by the exchange copies and accumulated on the resource platform to obtain the actual exchange values. It can be understood that, due to the fluctuation of the exchange value corresponding to each target resource, the accumulated actual exchange value may be slightly different from the expected exchange value. Because the screened target resources can complete value exchange before the expected date, the resource processing server can correspondingly increase the value of the target identifier on the expected date based on the actual exchange value.
FIG. 7 is a timing diagram illustrating the exchange of resources for value in one embodiment. Referring to fig. 7, a combination of resources as a fund will be described as an example. For the fund combination, the terminal acquires a desired date input by the user. And querying the resource processing server for the total amount of the fund combination and the redeemable total amount of the component funds whose due date is not later than the expected date, based on the expected date. The terminal presents the total amount of the fund combination and the redeemable total amount. The terminal takes the desired redemption amount entered by the user and submits a redemption order for the fund combination to the resource handling server based on the desired date and the desired redemption amount. The resource processing server calculates the redemption number of the component fund based on the redemption order and records the redemption number. And the resource processing server reports the redemption bills of the funds of the components to the fund company in turn according to the corresponding redemption parts based on the reverse sequence of the due dates of the funds of the components, and returns corresponding redemption amounts in turn on the expected date after the fund company returns the confirmation order placing success. The resource processing server accumulates the credited total amount of all the component funds and pays to the user at once after the redeemed amount of each component fund is credited.
The resource processing method automatically analyzes the exchange completion date of each resource in the resource set, determines the target resource with the exchange completion date not later than the expected date from the resource set based on the expected date of the value exchange expected by the user, and obtains the exchange number of the determined target resource corresponding to the expected exchange value of the user for the value exchange. Then, when the determined exchange completion date corresponding to the target resource has a sequence, according to the reverse sequence of the sequence, the corresponding value exchange request is submitted in sequence based on the exchange number corresponding to each target resource, so that the exchange value corresponding to each target resource returned by the resource platform can be received at the expected date, and after the exchange value corresponding to each target resource is accumulated at the expected date to obtain the actual exchange value, the actual exchange value is returned to the target identifier at one time, so that the value exchange can be completed at one time, the resource processing efficiency is improved, the requirement of a user on the exchange of the expected date and the immediate value can be met, and the user experience is greatly improved.
In one embodiment, obtaining the number of exchange copies corresponding to each target resource according to the expected exchange value of the value exchange comprises: accumulating the exchangeable values corresponding to the target resources to obtain exchangeable total values corresponding to the exchange completion dates which are not later than the expected dates; and determining the number of exchange parts corresponding to the value exchange of each target resource according to the expected exchange value, the exchangeable total value and the configuration proportion of each target resource in the resource set, wherein the determined number of exchange parts ensures that the remaining exchangeable value corresponding to each target resource still meets the configuration proportion.
In this embodiment, the target resources screened from the resource set all participate in the current value exchange, and the resource processing server obtains the allocation proportion of each target resource in the resource set and calculates the exchange number of the current value exchange of each target resource. For example, for a fund combination made up of a plurality of component funds, the allocation ratio may be the allocation ratio of each component fund set by the resource processing server. For a fund collection consisting of a plurality of individual funds, the allocation rate may be the rate at which the individual funds currently hold amounts. In this embodiment, the exchange number of the target resources determined by the resource processing server enables the remaining exchangeable values corresponding to the target resources to still satisfy the original configuration proportion.
For example, the following steps are carried out: the resource set P comprises P1, P2, P3, P4 and P5, the corresponding configuration proportions are R1, R2, R3, R4 and R4, the target resources participating in the value exchange of this time are determined from the resource set to be P1, P2 and P3, the exchangeable total value corresponding to the 3 target resources is L, if the expected exchange value is M and M is less than or equal to L, the resource processing server can still maintain R1 between the respective residual exchangeable values of P1, P2 and P3 after the value exchange of this time is completed: r2: the proportion of R3, to determine the exchange number of the 3 target resources in the value exchange.
In one embodiment, determining the number of exchanges of each target resource in the current value exchange according to the expected exchange value, the exchangeable total value, and the configuration proportion of each target resource in the resource set includes: taking the difference between the expected exchange value and the exchangeable total value as the remaining exchangeable total value corresponding to the target asset, and calculating the remaining exchangeable value of each target resource after the value exchange based on the configuration proportion and the remaining exchangeable total value; determining the exchange value of the current time corresponding to each target resource according to the exchangeable value corresponding to each target resource and the remaining exchangeable value; and determining the exchange number of the current value exchange of each target resource based on the current exchange value.
Following the above example, if the expected exchange value is M, all exchangeable shares of P1, P2 and P3 are S1, S2 and S3, respectively, and the exchangeable unit values are V1, V2 and V3, respectively, then the exchangeable total value L = S1V 1+ S2V 2+ S3V 3, and when M ≦ L, then the remaining exchangeable total value for the target asset is L-M, then the remaining exchangeable total value of P1 after this value exchange is L-M
Then the remaining exchangeable number of shares is
Then the exchange number of the value exchange of P1 is:
similarly, the exchange number of the value exchange of P2 is as follows:
p3 the exchange parts of the value exchange are as follows:
in the following embodiments, the resource processing server preferentially uses the target resource whose exchange completion date is close to the desired date as the resource used in the current value exchange, that is, preferentially uses the exchangeable value of the target resource whose exchange completion date is close to the desired date for the current value exchange.
In one embodiment, obtaining the number of exchanged shares corresponding to each target resource according to the expected exchange value of the value exchange includes: screening target resources with the exchange completion date equal to the expected date from the target resources, and counting exchangeable total values corresponding to the screened target resources; and when the expected exchange value is less than or equal to the counted exchangeable total value, determining the exchange number corresponding to the current value exchange of each target resource with the exchange completion date equal to the expected date according to the expected exchange value, the counted exchangeable total value and the determined configuration proportion of each target resource in the resource set.
Specifically, in order to preferentially use exchangeable values of target resources with exchange completion dates close to expected dates to perform value exchange of the time so as to meet the requirements of users for the expected dates, the resource processing server screens the target resources with the exchange completion dates equal to the expected dates from the target resources, and counts exchangeable total values corresponding to the screened target resources.
For example, the today date is T, the exchange completion date corresponding to P1 in the resource set P is T +1 exchange days, the exchange completion date corresponding to P2 is T +2 exchange days, the exchange completion date corresponding to P3 is T +2 exchange days, the exchange completion date corresponding to P4 is T +2 exchange days, and the exchange completion date corresponding to P5 is T +3 exchange days. When the expected date input by the user is T +2, then P1, P2, P3 and P4 are target resources with exchange completion dates no later than the expected date, wherein P2, P3 and P4 are target resources with screened exchange completion dates equal to the expected dates. And the resource processing server accumulates the exchangeable values corresponding to the P2, the P3 and the P4 to obtain the exchangeable total value corresponding to the target resource with the exchange completion date on the expected date.
When the expected exchange value input by the user is smaller than the statistical exchangeable total value, the resource processing server can only take the screened target resources as the resources participating in the value exchange, and then the resource processing server calculates the exchange number of the screened target resources corresponding to each exchangeable total value according to the screened target resources.
For example, the following steps are carried out: if the expected exchange value is M, all exchangeable shares of P2, P3 and P4 are S2, S3 and S4, respectively, and the exchangeable unit values are V2, V3, V4, respectively, then the total exchangeable value L1= S2V 2+ S3V 3+ S4V 4, and when M ≦ L1, then the number of exchanges of P2 for this value exchange is:
similarly, the exchange number of P3 in the value exchange is as follows:
the exchange parts of the P4 value exchange are as follows:
the exchange number of the target resource P1 in the value exchange is 0, and the target resource P1 does not need to participate in the value exchange.
In one embodiment, when the desired swap value is less than or equal to the statistical exchangeable total value, the method further comprises: and initiating a corresponding value exchange request based on the determined exchange number corresponding to each target resource on the current date, and receiving the exchange value corresponding to each determined target resource returned by the resource platform in response to each value exchange request on the expected date.
Because the expected exchange value is less than or equal to the total exchangeable value of statistics, the value requirement of a user can be met only according to the exchangeable value counted by the target resource of which the screened exchange completion date is equal to the expected date, and in order to receive the returned value on the expected date, the resource processing server can initiate a corresponding value exchange request on the current date based on the exchange number corresponding to each determined target resource. As in the above example, the resource processing server will respectively initiate value exchange requests for the target resources P2, P3, and P4 on the current date T, so that the exchange values corresponding to the determined target resources returned by the resource platform in response to the value exchange requests can be received on T +2 exchange days, that is, the expected dates.
In one embodiment, obtaining the number of exchanged shares corresponding to each target resource according to the expected exchange value of the value exchange includes: screening target resources with the exchange completion date equal to the expected date from the target resources, and counting exchangeable total values corresponding to the screened target resources; and when the expected exchange value is greater than the statistical exchangeable total value, taking all the exchange copies of the screened target resources as the corresponding exchange copies of the screened target resources, subtracting the statistical exchangeable total value from the expected exchange value to obtain the updated expected exchange value, and then continuously screening the exchange copies corresponding to the target resources with the exchange completion dates less than the expected dates and the updated expected exchange value according to the target resources with the exchange completion dates less than the expected dates and the updated expected exchange value.
When the expected exchange value input by the user is greater than the total exchangeable value of the statistics, the resource processing server needs to use all exchangeable shares corresponding to the target resource with the screened exchange completion date equal to the expected date for the value exchange. In addition, the resource processing server needs to further determine the difference between the expected exchange value and the statistical exchangeable total value, use the difference as an updated expected exchange value, and continue to use the target resource with the exchange completion date smaller than the expected date according to the updated expected exchange value to participate in the value exchange.
In one embodiment, screening target resources with exchange completion dates equal to expected dates from the target resources, and counting exchangeable total values corresponding to the screened target resources, the method includes: and counting a first exchangeable total value corresponding to a first target resource in the target resources, wherein the first target resource is a target resource with an exchange completion date equal to an expected date.
Following the previous example, the corresponding exchangeable total value of P2, P3 and P4 is counted as L1. When L1 < M < L, the statistical exchangeable total value is subtracted from the expected exchange value M, resulting in an updated expected exchange value M1, M1= M-L1.
In this embodiment, determining the number of exchange copies corresponding to the target resource whose exchange completion date is smaller than the expected date according to the target resource whose exchange completion date is smaller than the expected date and the updated expected exchange value includes: counting a second exchangeable total value corresponding to a second target resource in the target resources, wherein the second target resource is a target resource of which the exchange completion date is 1 exchange day shorter than the expected date; and when the updated expected exchange value is less than or equal to the second exchangeable total value, determining the number of exchange shares corresponding to the current value exchange of each second target resource according to the updated expected exchange value, the second exchangeable total value and the configuration proportion of each second target resource in the resource set, wherein the determined number of exchange shares enables the remaining exchangeable value corresponding to each second target resource to still meet the configuration proportion.
Specifically, the resource processing server continues to use the target resource whose exchange completion date is smaller than the expected date among the target resources, which is exemplified by the target resource that is 1 exchange day smaller. It can be understood that, if there is no target resource with a date of exchange completion that is 1 exchange day shorter, then use a target resource with a date of exchange completion that is 2 exchange days shorter than the expected date in the target resources, and if there is no target resource with a date of exchange completion that is 2 exchange days shorter, then use a target resource with a date of exchange completion that is 3 exchange days shorter than the expected date in the target resources, and so on.
Illustrated with the presence of a target resource that is 1 exchange day smaller. If the target resource with 1 exchange day smaller exists, the resource processing server counts the second exchangeable total value L2 corresponding to the target resource with 1 exchange day smaller than the expected date on the exchange completion date. If M1 is less than or equal to L2, the second exchangeable total value can already meet the requirement of the user on the exchange value, and the resource processing server can take the target resource of the small 1 exchange day as the target resource participating in the value exchange at the same time, and then ends the iteration process.
Following the above example, the target resource P1 is a target resource whose exchange completion date is 1 exchange day less than the expected date, and the resource processing server may determine the exchange number of copies of the target resource according to M1 and L2. When there are a plurality of target resources whose exchange completion dates are 1 exchange day less than the expected date, the resource processing server determines the respective exchange copy numbers of the plurality of target resources in the same manner as mentioned above according to M1 and L2 and the configuration ratios of the plurality of target resources.
In one embodiment, when the updated expected exchange value is less than or equal to the second exchangeable total value, and when the exchange completion dates of the target resources have a precedence order, initiating corresponding value exchange requests based on the corresponding exchange shares of the target resources in sequence according to a reverse order of the precedence order, the method includes: at the current date, a corresponding value exchange request is initiated based on the number of exchange copies of each first target resource, and at a date 1 exchange day greater than the current date, a corresponding value exchange request is initiated based on the number of exchange copies of each second target resource.
Specifically, for the determined target resources participating in the value exchange, the exchange completion date of which is 1 exchange day shorter than the expected date, in order to receive the corresponding returned value on the expected date, the resource processing server initiates a corresponding value exchange request based on the number of exchange copies of each second target resource on the date 1 exchange day longer than the current date after determining the corresponding number of exchange copies. For example, for P1, a value exchange request may be submitted to the resource platform based on its number of exchange copies at T +1 exchange days.
It can be understood that if there is no target resource with a smaller date by 1 exchange day and a target resource with an exchange completion date smaller than the expected date by 2 exchange days is used, a corresponding value exchange request needs to be initiated based on the exchange number of copies of each second target resource on a date larger than the current date by 2 exchange days. Similarly, if there are no target resources that are 1 or 2 smaller exchange days, and a target resource whose exchange completion date is 3 exchange days smaller than the expected date is used, a corresponding value exchange request needs to be initiated based on the exchange number of copies of each second target resource on the date that is 3 exchange days larger than the current date, and so on.
In one embodiment, the method further comprises: and when the updated expected exchange value is greater than the second exchangeable total value, taking all the exchange copies of each second target resource as corresponding exchange copies, subtracting the second exchangeable total value from the updated expected exchange value to obtain the updated expected exchange value, and continuously determining the exchange copies corresponding to the target resources with the exchange completion date being 2 exchange days less than the expected date according to the target resources with the exchange completion date being 2 exchange days less than the expected date in the target resources and the updated expected exchange value.
For the last example, if M1 is greater than L2, it indicates that the second exchangeable total value still cannot meet the requirement of the user on the exchange value, and the resource processing server may participate all exchangeable shares corresponding to the target resource on the smaller 1 exchange day in the target resource of the value exchange, and then continue the above iteration process. That is, the resource processing server continues to use the target resource whose exchange completion date is 2 exchange days smaller than the expected date among the target resources. Similarly, if there is no target resource that is 2 exchange days smaller, the target resource whose exchange completion date is 3 exchange days smaller than the expected date is used, and so on.
Specifically, the resource processing server further determines a difference between M1 and the counted second exchangeable total value L2, and uses the difference as an updated expected exchange value, and according to the updated expected exchange value M2, M2= M1-L2, the target resource whose exchange completion date is 2 exchange days smaller than the expected date is continuously used to participate in the current value exchange. Illustrated with the presence of a target resource that is 2 exchange days smaller. And if the target resources which are 2 exchange days shorter exist, the resource processing server counts the second exchangeable total value L3 corresponding to the target resources of which the exchange completion date is 2 exchange days shorter than the expected date. If M2 is less than or equal to L3, the second exchangeable total value can already meet the requirement of the user on the exchange value, and the resource processing server can simultaneously use the target resources of the small 2 exchange days as the target resources participating in the value exchange, and then the iteration process is ended.
It can be understood that, for the determined target resource participating in the value exchange, the exchange completion date of which is 2 exchange days less than the expected date, in order to receive the corresponding value returned on the expected date, the resource processing server initiates a corresponding value exchange request based on the corresponding number of exchange copies on the date 2 exchange days greater than the current date after determining the corresponding number of exchange copies.
In the embodiment, based on the expected date and the expected exchange value input by the user, an appropriate target resource is selected from the resource set to participate in the value exchange, and corresponding value exchange requests are initiated in sequence, so that the value returned by the resource platform can be received on the expected date specified by the user, and the value obtained by the exchange can be returned to the user on the expected date at one time.
In one embodiment, as shown in fig. 8, a resource processing method is provided, which is described by taking the method as an example applied to the computer device (terminal 102) in fig. 1, and includes the following steps:
and 808, displaying the updated resource value of the target identifier after the value exchange is completed on the expected date, wherein the resource value is obtained by correspondingly increasing the value of the target identifier at one time on the expected date based on the actual exchange value obtained by accumulating the exchange values corresponding to the target resources by the resource processing server.
In a specific embodiment, as shown in fig. 9, the resource processing method includes the following steps:
At step 906, an expected date for completion of the value exchange is obtained.
Step 908 is to use the resource with the exchange completion date smaller than the expected date and the exchange completion date equal to the expected date as the target resource of the current value exchange.
And 912, returning exchangeable total value to the terminal so that the terminal can display prompt information about the exchangeable total value corresponding to the expected date according to the exchangeable total value.
In step 914, the expected exchange value of the value exchange is obtained.
At step 924, a first difference between the expected swap value and the first exchangeable total value is calculated.
In step 926, when the first difference is smaller than or equal to the second exchangeable total value, after determining the number of exchanged shares corresponding to the present value exchange of each second target resource according to the first difference, the second exchangeable total value, and the allocation ratio of the second target resource in the resource set, step 930 is performed.
It should be understood that, although the steps in the above-described figures are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not limited to being performed in the exact order illustrated and, unless explicitly stated herein, may be performed in other orders. Moreover, at least some of the steps in the above figures may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of performing the steps or stages is not necessarily sequential, but may be performed alternately or alternatively with other steps or at least some of the steps or stages in other steps.
In a specific application scenario, taking a resource set as a fund combination as an example for description, the resource processing method includes the following steps:
1. when the user needs to redeem a certain fund combination, a desired date T + n is entered on the current day T.
2. And the financing platform calculates the target component fund of which the arrival date is not later than the expected date in the fund combination based on the current date T according to the expected date input by the user.
3. The terminal can present the redeemable total assets L corresponding to the desired target component fund and the held assets in total for the fund combination.
4. The user enters the amount of money that is desired to be redeemed this time, i.e. the asset M is desired to be redeemed. By displaying the redeemable total assets, the user input amount expected to be redeemed at this time is limited to be less than L, so that the redeemable amount can be finally guaranteed to meet the user demand, the redeemable assets can be guaranteed to be received at the expected date, and the user experience is improved.
5. The financing platform calculates the share of the target component fund based on the desired redemption of the asset M entered by the user.
The share of the target component fund can be calculated by the following method:
the method I comprises the following steps: the financial platform determines the total amount L of all target component funds, determines the share of all target component funds according to the configuration proportion of the target component funds, and submits a redemption order about all target component funds to the fund company on the current day T, and as the target component funds are not later than the expected date T + n, the redemption amount returned by the fund company can be received successively before the expected date T + n, and the financial platform pays the user on the expected date once after accumulation.
The second method comprises the following steps: the financing platform determines the total amount L of all target component funds, determines the share of all target component funds according to the allocation proportion of the target component funds, delays the corresponding transaction date to submit respective redemption orders to the fund company according to the income date of each target component fund, receives the redemption amount of all target component funds returned by the fund company on the expected date, and pays the user on the expected date once after the financing platform accumulates.
The third method comprises the following steps:
a) The financing platform determines all component funds with a due date equal to the desired date, such as P1, P2 and P3, and calculates the total amount L1 of the component funds.
b) If M is less than or equal to L1, only the redemption of P1, P2 and P3 is needed, the financing platform calculates the respective redemption shares of P1, P2 and P3 according to the configuration proportion of P1, P2 and P3, then submits corresponding redemption orders to the fund company respectively at the current date T so as to receive the redemption amounts of P1, P2 and P3 returned by the fund company at the expected date, and the financing platform pays the user at the expected date once after accumulation.
For example, if the total exchangeable shares of P1, P2 and P3 are S1, S2 and S3, respectively, and the exchangeable unit values are V1, V2 and V3, respectively, then the total value L1= S1V 1+ S2V 2+ S3V 3 can be redeemed at the desired date, then the redemption share of P1 is:
similarly, the redemption share of P2 is:
the redemption share of P3 is:
c) If M is less than T1, then insufficient redemption funds are allocated to the component funds whose due date is less than the due date by 1 transaction day, in the manner in b), and these orders record the redemption shares and do not initiate redemption immediately, but rather initiate corresponding redemption orders to the fund company at T +1 transaction days to receive the redemption amount of the corresponding component funds returned by the fund company at the due date.
d) If not, the insufficient redemption funds are allocated to the component funds whose due date is 2 trading days less than the due date, as in b), the orders recording the redemption shares and not initiating redemption immediately, but rather initiating corresponding redemption orders to the fund company at T +2 trading days to receive the redemption amount of the corresponding component funds returned by the fund company at the desired date.
e) In turn, to the desired redemption of the asset M that satisfies the user input.
f) And the financial management platform receives the redemption amounts returned by the fund companies in sequence on the expected date, accumulates the redemption amounts to obtain the total amount of the redemption, pays the user at one time on the expected date, and completes the redemption transaction.
The resource processing method can let the user input the expected account date, automatically analyze the account date of each component fund of the fund combination to prompt the user to the total amount of the redeemable fund on the account date, after the user inputs the redemption amount, the system calculates the amount (share) of each redeemable fund, and after the redeemable fund of each redeemable fund is paid, the user is paid once to complete the redemption transaction, thereby greatly improving the redemption experience of the user.
In one embodiment, as shown in fig. 10, there is provided a resource processing apparatus 1000, which may be a part of a computer device by using a software module or a hardware module, or a combination of the two modules, and specifically includes: a resource set determination module 1002, a target resource determination module 1004, an exchange copy number acquisition module 1006, a value exchange request module 1008, and a value increase module 1010, wherein:
a resource set determining module 1002, configured to determine a resource set to be subjected to value exchange, where resources in the resource set belong to a target identifier;
a target resource determining module 1004, configured to determine, in the resource set, a target resource whose exchange completion date is not later than the expected date;
an exchange number obtaining module 1006, configured to obtain, according to the expected exchange value of the value exchange, an exchange number corresponding to each target resource;
a value exchange request module 1008, configured to, when the exchange completion dates of the target resources have a precedence order, initiate, according to a reverse order of the precedence order, corresponding value exchange requests based on the number of exchange copies corresponding to each target resource in turn, so that, on an expected date, the receiving resource platform receives exchange values corresponding to each target resource, which are returned by the resource platform in response to each value exchange request, respectively;
the value adding module 1010 is configured to add the value of the target identifier at one time on the expected date based on the actual exchange value obtained by accumulating the exchange values corresponding to the target resources.
In one embodiment, the target resource determining module 1004 is further configured to determine, at the current date, an exchange completion date corresponding to each resource in the resource set; acquiring an expected date for completing the value exchange; and taking the resource with the exchange completion date smaller than the expected date and the exchange completion date equal to the expected date as the target resource of the current value exchange.
In one embodiment, the target resource determining module 1004 is further configured to accumulate the exchangeable values corresponding to the target resources to obtain an exchangeable total value corresponding to an exchange completion date no later than an expected date; and returning the exchangeable total value to the terminal so that the terminal can display prompt information about the exchangeable total value corresponding to the expected date according to the exchangeable total value.
In an embodiment, the exchange copy number obtaining module 1006 is further configured to accumulate the exchangeable values corresponding to the target resources to obtain an exchangeable total value corresponding to an exchange completion date no later than an expected date; and determining the number of exchange parts corresponding to the value exchange of each target resource according to the expected exchange value, the exchangeable total value and the configuration proportion of each target resource in the resource set, wherein the determined number of exchange parts ensures that the remaining exchangeable value corresponding to each target resource still meets the configuration proportion.
In an embodiment, the exchange number obtaining module 1006 is further configured to use a difference between the expected exchange value and the exchangeable total value as a remaining exchangeable total value corresponding to the target asset, and calculate remaining exchangeable values of the target resources after the value exchange based on the configuration ratio and the remaining exchangeable total value; and determining the remaining exchangeable number of the target resources according to the remaining exchangeable value corresponding to the target resources, and determining the exchangeable number of the current value exchange of the target resources based on the remaining exchangeable number.
In one embodiment, the exchange copy number obtaining module 1006 is further configured to screen target resources with an exchange completion date equal to an expected date from the target resources, and count exchangeable total values corresponding to the screened target resources; and when the expected exchange value is greater than the statistical exchangeable total value, taking all the exchange copies of the screened target resources as the corresponding exchange copies of the screened target resources, subtracting the statistical exchangeable total value from the expected exchange value to obtain the updated expected exchange value, and then continuously screening the exchange copies corresponding to the target resources with the exchange completion dates less than the expected dates and the updated expected exchange value according to the target resources with the exchange completion dates less than the expected dates and the updated expected exchange value.
In an embodiment, the exchange copy number obtaining module 1006 is further configured to determine, when the expected exchange value is less than or equal to the statistical exchangeable total value, an exchange copy number corresponding to the value exchange of each target resource whose exchange completion date is equal to the expected date according to the expected exchange value, the statistical exchangeable total value, and the determined configuration proportion of each target resource in the resource set.
In one embodiment, when the expected swap value is less than or equal to the statistical exchangeable total value, the value swap request module 1008 is further configured to initiate a corresponding value swap request based on the determined number of swap shares for each target resource on the current date, so as to receive the swap value corresponding to each determined target resource returned by the resource platform in response to each value swap request on the expected date.
In one embodiment, the exchange number obtaining module 1006 is further configured to count a first exchangeable total value corresponding to a first target resource in the target resources, where the exchange completion date is equal to the desired date; when the expected exchange value is larger than the counted exchangeable total value, taking all the exchange parts of the screened target resource as the corresponding exchange parts of the screened target resource, subtracting the counted exchangeable total value from the expected exchange value to obtain an updated expected exchange value, and then counting a second exchangeable total value corresponding to a second target resource in the target resource, wherein the second target resource is a target resource of which the exchange completion date is 1 exchange day shorter than the expected date; and when the updated expected exchange value is less than or equal to the second exchangeable total value, determining the exchange number corresponding to the current value exchange of each second target resource according to the updated expected exchange value, the second exchangeable total value and the configuration proportion of each second target resource in the resource set, wherein the determined exchange number enables the remaining exchangeable value corresponding to each second target resource to still meet the configuration proportion.
In one embodiment, the value exchange request module 1008 is further configured to initiate a corresponding value exchange request based on the number of exchange copies for each first target resource on the current date and initiate a corresponding value exchange request based on the number of exchange copies for each second target resource on a date that is 1 exchange day greater than the current date.
In an embodiment, the exchange number obtaining module 1006 is further configured to, when the updated expected exchange value is greater than the second exchangeable total value, use all exchange numbers of each second target resource as corresponding exchange numbers, and subtract the second exchangeable total value from the updated expected exchange value to obtain an updated expected exchange value, and then determine, according to the target resource whose exchange completion date is 2 exchange days less than the expected date and the updated expected exchange value in the target resource, the exchange number corresponding to the target resource whose exchange completion date is 2 exchange days less than the expected date.
The resource processing apparatus 1000 automatically analyzes the exchange completion date of each resource in the resource set, determines a target resource whose exchange completion date is not later than an expected date from the resource set based on the expected date on which the user expects to complete the value exchange, and obtains the exchange number of shares corresponding to each determined target resource based on the expected exchange value of the user for the value exchange. Then, when the determined exchange completion date corresponding to the target resource has a sequence, according to the reverse sequence of the sequence, the corresponding value exchange request is submitted in sequence based on the exchange number corresponding to each target resource, so that the exchange value corresponding to each target resource returned by the resource platform can be received at the expected date, and after the exchange value corresponding to each target resource is accumulated at the expected date to obtain the actual exchange value, the actual exchange value is returned to the target identifier at one time, so that the value exchange can be completed at one time, the resource processing efficiency is improved, the requirement of a user on the exchange of the expected date and the immediate value can be met, and the user experience is greatly improved.
For specific limitations of the resource processing apparatus 1000, see the above limitations on the resource processing method, which are not described herein again. The modules in the resource processing device 1000 may be implemented in whole or in part by software, hardware, and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.
In one embodiment, a computer device is provided, which may be a resource processing server, the internal structure of which may be as shown in fig. 11. The computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a resource handling method.
In one embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be as shown in fig. 12. The computer device includes a processor, a memory, a communication interface, a display screen, and an input device connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless communication can be realized through WIFI, an operator network, NFC (near field communication) or other technologies. The computer program is executed by a processor to implement a resource handling method. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on the shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like.
It will be appreciated by those skilled in the art that the configurations shown in fig. 11 and 12 are only block diagrams of a part of the configurations related to the present application, and do not constitute a limitation of the computer device to which the present application is applied, and a specific computer device may include more or less components than those shown in the drawings, or may combine some components, or have different arrangements of components.
In an embodiment, a computer device is further provided, which includes a memory and a processor, the memory stores a computer program, and the processor implements the steps of the above method embodiments when executing the computer program.
In an embodiment, a computer-readable storage medium is provided, in which a computer program is stored which, when being executed by a processor, carries out the steps of the above-mentioned method embodiments.
In one embodiment, a computer program product or computer program is provided that includes computer instructions stored in a computer readable storage medium. The computer instructions are read by a processor of a computer device from a computer-readable storage medium, and the computer instructions are executed by the processor to cause the computer device to perform the steps in the above-mentioned method embodiments.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database or other medium used in the embodiments provided herein can include at least one of non-volatile and volatile memory. Non-volatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical storage, or the like. Volatile Memory can include Random Access Memory (RAM) or external cache Memory. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others.
The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent application shall be subject to the appended claims.
Claims (15)
1. A method for processing resources, the method comprising:
determining a resource set to be subjected to value exchange, wherein resources in the resource set belong to a target identifier;
determining a target resource with an exchange completion date not later than an expected date in the resource set;
obtaining the exchange number corresponding to each target resource according to the expected exchange value of the value exchange;
when the exchange completion dates of the target resources have a sequence, initiating corresponding value exchange requests in sequence based on the exchange number corresponding to the target resources according to the reverse sequence of the sequence, so that the resource receiving platform receives the exchange values corresponding to the target resources, returned by the resource platform in response to the value exchange requests respectively, on the expected dates;
and correspondingly increasing the value of the target identifier at one time on the expected date based on the actual exchange value obtained by accumulating the exchange values corresponding to the target resources.
2. The method of claim 1, wherein determining, among the set of resources, a target resource whose exchange completion date is no later than an expected date comprises:
determining the exchange completion date corresponding to each resource in the resource set on the current date;
acquiring an expected date for completing the value exchange;
and taking the resource of which the exchange completion date is smaller than the expected date and the exchange completion date is equal to the expected date as the target resource of the current value exchange.
3. The method of claim 2, further comprising:
accumulating exchangeable values corresponding to the target resources to obtain exchangeable total values corresponding to the exchange completion dates which are not later than the expected dates;
and returning the exchangeable total value to a terminal so that the terminal can display prompt information about the exchangeable total value corresponding to the expected date according to the exchangeable total value.
4. The method according to claim 1, wherein obtaining the number of exchanged shares corresponding to each of the target resources according to the expected exchange value of the current value exchange comprises:
accumulating the exchangeable values corresponding to the target resources to obtain exchangeable total values corresponding to the exchange completion dates which are not later than the expected dates;
and determining the number of exchange copies corresponding to the value exchange of each target resource at this time according to the expected exchange value, the exchangeable total value and the configuration proportion of each target resource in the resource set, wherein the determined number of exchange copies enables the remaining exchangeable value corresponding to each target resource to still meet the configuration proportion.
5. The method according to claim 4, wherein the determining the number of exchanged shares corresponding to the current value exchange of each target resource according to the expected exchange value, the exchangeable total value, and the configuration proportion of each target resource in the resource set comprises:
taking the difference between the expected exchange value and the exchangeable total value as the remaining exchangeable total value corresponding to the target asset, and calculating the remaining exchangeable value of each target resource after the value exchange based on the configuration proportion and the remaining exchangeable total value;
and determining the remaining exchangeable number corresponding to each target resource according to the remaining exchangeable value corresponding to each target resource, and determining the exchange number of the current value exchange of each target resource based on the remaining exchangeable number.
6. The method according to claim 1, wherein obtaining the number of exchanged shares corresponding to each of the target resources according to the expected exchange value of the current value exchange comprises:
screening target resources with the exchange completion date equal to the expected date from the target resources, and counting exchangeable total values corresponding to the screened target resources;
and when the expected exchange value is greater than the statistical exchangeable total value, taking all the exchange parts of the screened target resource as the corresponding exchange parts of the screened target resource, subtracting the statistical exchangeable total value from the expected exchange value to obtain an updated expected exchange value, and then continuously screening the exchange parts corresponding to the target resource of which the exchange completion date is less than the expected date according to the target resource of which the exchange completion date is less than the expected date and the updated expected exchange value in the target resource.
7. The method of claim 6, further comprising:
and when the expected exchange value is less than or equal to the counted exchangeable total value, determining the exchange number of shares corresponding to the current value exchange of each target resource with the exchange completion date equal to the expected date according to the expected exchange value, the counted exchangeable total value and the determined configuration proportion of each target resource in the resource set.
8. The method of claim 7, wherein when the desired exchange value is less than or equal to a statistical exchangeable total value, the method further comprises:
and initiating a corresponding value exchange request based on the determined exchange number corresponding to each target resource on the current date, so as to receive the exchange value corresponding to each target resource returned by the resource platform in response to each value exchange request on the expected date.
9. The method according to claim 6, wherein the screening of the target resources from the target resources with exchange completion dates equal to the expected dates and the statistics of exchangeable total values corresponding to the screened target resources comprise:
counting a first exchangeable total value corresponding to a first target resource in the target resources, wherein the first target resource is a target resource with an exchange completion date equal to the expected date;
the continuing to determine the number of exchange copies corresponding to the target resource of which the exchange completion date is smaller than the expected date according to the target resource of which the exchange completion date is smaller than the expected date and the updated expected exchange value, includes:
counting second exchangeable total values corresponding to second target resources in the target resources, wherein the second target resources are target resources with exchange completion dates smaller than the expected date by 1 exchange day;
when the updated expected exchange value is smaller than or equal to the second exchangeable total value, determining the number of exchange shares corresponding to the current value exchange of each second target resource according to the updated expected exchange value, the second exchangeable total value and the configuration proportion of each second target resource in the resource set, wherein the determined number of exchange shares enables the remaining exchangeable value corresponding to each second target resource to still meet the configuration proportion.
10. The method according to claim 9, wherein when the updated expected exchange value is less than or equal to the second exchangeable total value, and when there is a precedence order in the exchange completion dates of the target resources, initiating corresponding value exchange requests in sequence based on the number of exchange shares corresponding to each of the target resources in accordance with a reverse order of the precedence order, comprises:
and initiating a corresponding value exchange request based on the exchange number of the first target resources on the current date, and initiating a corresponding value exchange request based on the exchange number of the second target resources on the date which is 1 exchange date greater than the current date.
11. The method of claim 9, further comprising:
and when the updated expected exchange value is greater than the second exchangeable total value, taking all the exchange copies of each second target resource as corresponding exchange copies, subtracting the second exchangeable total value from the updated expected exchange value to obtain the updated expected exchange value, and then determining the exchange copies corresponding to the target resources with the exchange completion date being 2 exchange days less than the expected date according to the target resources with the exchange completion date being 2 exchange days less than the expected date in the target resources and the updated expected exchange value.
12. A method for processing resources, the method comprising:
displaying a value exchange interface corresponding to the resource set belonging to the target identification;
responding to the input operation of the expected date for completing the value exchange in the value exchange interface, and displaying exchangeable total value corresponding to the target resource of which the exchange completion date is not later than the expected date in the resource set;
responding to input operation of expected exchange value of the value exchange, sending a value exchange list of the value exchange to a resource processing server according to the resource set, the expected date and the expected exchange value to indicate the resource processing server to obtain the exchange number of the target resources according to the expected exchange value in the value exchange list, when the exchange completion date of the target resources has a sequence, initiating corresponding value exchange requests according to the reverse sequence of the sequence and on the basis of the exchange number of the target resources in sequence, and receiving the exchange value corresponding to the target resources, returned by a resource platform in response to the value exchange requests respectively, on the expected date;
and displaying the updated resource value of the target identifier after the value exchange is completed on the expected date, wherein the resource value is obtained by correspondingly increasing the value of the target identifier at one time on the expected date based on the actual exchange value obtained by accumulating the exchange values corresponding to the target resources by the resource processing server.
13. An apparatus for resource handling, the apparatus comprising:
the resource set determining module is used for determining a resource set to be subjected to value exchange, wherein resources in the resource set belong to the target identification;
the target resource determining module is used for determining target resources with the exchange completion date not later than the expected date in the resource set;
the exchange copy number obtaining module is used for obtaining the exchange copy number corresponding to each target resource according to the expected exchange value of the value exchange;
a value exchange request module, configured to, when an exchange completion date of each target resource has a precedence order, sequentially initiate, according to a reverse order of the precedence order, a corresponding value exchange request based on the number of exchange copies corresponding to each target resource, so that, on the expected date, an exchange value corresponding to each target resource, which is returned by the resource platform in response to each value exchange request, is received;
and the value increasing module is used for correspondingly increasing the value of the target identifier at one time on the expected date based on the actual exchange value obtained by accumulating the exchange values corresponding to the target resources.
14. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, implements the steps of the method of any of claims 1 to 12.
15. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 12.
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| CN202110949941.XA CN115713421A (en) | 2021-08-18 | 2021-08-18 | Resource processing method, device, computer equipment and storage medium |
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| CN202110949941.XA CN115713421A (en) | 2021-08-18 | 2021-08-18 | Resource processing method, device, computer equipment and storage medium |
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