CN115797074A

CN115797074A - Account management method and device, electronic equipment and storage medium

Info

Publication number: CN115797074A
Application number: CN202211449684.4A
Authority: CN
Inventors: 谢红跃
Original assignee: Bank of China Financial Technology Co Ltd
Current assignee: Bank of China Financial Technology Co Ltd
Priority date: 2022-11-18
Filing date: 2022-11-18
Publication date: 2023-03-14

Abstract

The invention provides an account management method, an account management device, electronic equipment and a storage medium, wherein the method comprises the following steps: determining a transaction type corresponding to the current transaction request; determining the account entry fund information corresponding to each investment portfolio based on the account entry fund information corresponding to the non-cash type financing product in the current transaction request under the condition that the transaction type is a first transaction type; determining share change information of the money fund in each investment portfolio based on the posting fund information corresponding to each investment portfolio; updating the asset allocation information of each investment portfolio based on the share change information of the money fund in each investment portfolio; wherein the first transaction type includes a cashless financial product bonus or a cashless financial product refund. The method, the device, the electronic equipment and the storage medium provided by the invention can distinguish the income of each investment portfolio and carry out the tracking management of income fund.

Description

Account management method and device, electronic equipment and storage medium

Technical Field

The present invention relates to the field of data processing, and in particular, to an account management method and apparatus, an electronic device, and a storage medium.

Background

In the intelligent investment system, if the investment portfolio selected by the user has the situations of fund dividend, failure of subscription and the like, the fund can return to the account of the user. Under the condition that one user selects a plurality of investment portfolios, and a certain same fund product exists in each investment portfolios, when the fund is dividend into the account of the user, funds corresponding to the fund is dividend are gathered together in the account of the user and cannot be distinguished, so that fund tracking management, investment portfolio income comparison and the like cannot be performed according to the investment portfolios.

Therefore, how to improve the fund management efficiency in the financial account of the user and improve the use experience of the user on the intelligent delivery system becomes an urgent technical problem to be solved in the industry.

Disclosure of Invention

The invention provides an account management method, an account management device, electronic equipment and a storage medium, which are used for solving the technical problem of how to improve the fund management efficiency in a financial account of a user in the prior art.

The invention provides an account management method, which comprises the following steps:

determining a transaction type corresponding to the current transaction request;

determining the account entry fund information corresponding to each investment portfolio based on the account entry fund information corresponding to the non-cash type financing product in the current transaction request under the condition that the transaction type is a first transaction type;

determining share change information of the money fund in each investment portfolio based on the posting fund information corresponding to each investment portfolio;

updating the asset allocation information of each investment portfolio based on the share change information of the money fund in each investment portfolio;

wherein the first transaction type includes a cashless financial product bonus or a cashless financial product refund.

According to the account management method provided by the invention, the determining of the share change information of the money fund in each investment portfolio based on the account-entering fund information corresponding to each investment portfolio comprises the following steps:

generating a currency fund transaction instruction corresponding to each investment portfolio based on the posting fund information corresponding to each investment portfolio;

sending the money fund trading instruction corresponding to each investment portfolio to a trading server;

receiving the money fund trading result corresponding to each investment portfolio sent by the trading server;

and determining share change information of the currency fund in each investment portfolio under the condition that the currency fund transaction result corresponding to each investment portfolio is successful.

According to the account management method provided by the invention, after receiving the money fund transaction results corresponding to the investment portfolios sent by the transaction server, the method comprises the following steps:

determining a first investment portfolio under the condition that the currency fund transaction result corresponding to any investment portfolio is failure; the first investment portfolio is a successful investment portfolio as a result of the monetary fund transaction;

generating a money fund refund instruction corresponding to the first investment portfolio based on the account-entering fund information corresponding to the first investment portfolio;

sending a money fund refund instruction corresponding to the first investment portfolio to a transaction server;

and receiving a money fund refund result corresponding to the first investment portfolio sent by the transaction server.

According to the account management method provided by the invention, the step of determining the account entry fund information corresponding to each investment portfolio based on the account entry fund information corresponding to the non-cash type financing product in the current transaction request comprises the following steps:

matching in each investment portfolio based on the product identification information of the non-cash type financing product, and determining the position information of the non-cash type financing product in each investment portfolio based on the matching result;

and determining the account-entering fund information corresponding to each investment portfolio based on the account-entering fund information corresponding to the non-cash type financing products and the position holding information of the non-cash type financing products in each investment portfolio.

According to an account management method provided by the present invention, after updating asset allocation information of each portfolio based on share change information of a monetary fund in each portfolio, the method includes:

determining first net worth information of each investment portfolio on a current trading day based on product share information of the money fund in each investment portfolio and unit net worth information corresponding to the money fund on the current trading day;

determining second net worth information of each investment portfolio on the current trading day based on the product share information of each non-cash type financing product in each investment portfolio and unit net worth information corresponding to each non-cash type financing product on the current trading day;

determining net worth information for each portfolio on a current trading day based on the first net worth information and the second net worth information;

and determining income change information of each investment portfolio based on the net worth information of each investment portfolio on the current trading day and the net worth information of each investment portfolio on the historical trading day.

According to an account management method provided by the invention, after the transaction type corresponding to the current transaction request is determined, the method comprises the following steps:

in the case that the transaction type is a second transaction type, resolving the current transaction request to determine an investment portfolio to be redeemed;

generating a redemption transaction instruction corresponding to each financing product in the investment portfolio to be redeemed based on the asset configuration information in the investment portfolio to be redeemed; the financial products comprise non-cash financial products and currency funds;

sending the redemption transaction instruction corresponding to each financing product to a transaction server, and receiving the redemption amount corresponding to each financing product sent by the transaction server;

updating the cash balance in the user account based on the redeeming amount corresponding to each financial product;

wherein the second transaction type includes portfolio redemption.

under the condition that the transaction type is a third transaction type, analyzing the current transaction request, and determining an investment portfolio to be bought;

generating a procurement transaction instruction corresponding to each financing product in the investment portfolio to be procured based on the configuration of the financing product in the investment portfolio to be procured; the financial products comprise non-cash financial products and currency funds;

sending a purchase applying transaction instruction corresponding to each financing product to a transaction server, and receiving purchase applying share information corresponding to each financing product sent by the transaction server;

creating the investment portfolio to be bought in a user account based on the purchase share information corresponding to each financing product;

wherein the third transaction type comprises a portfolio commitment.

The present invention also provides an apparatus comprising:

the transaction type determining module is used for determining the transaction type corresponding to the current transaction request;

an account-entering fund determining module, configured to determine account-entering fund information corresponding to each investment portfolio based on account-entering fund information corresponding to a non-cash type financial product in the current transaction request when the transaction type is a first transaction type;

the share change determining module is used for determining share change information of the money fund in each investment portfolio based on the account-entering fund information corresponding to each investment portfolio;

the asset allocation updating module is used for updating the asset allocation information of each investment portfolio based on the share change information of the money fund in each investment portfolio;

The invention also provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method as described in any one of the above when executing the program.

The present invention also provides a non-transitory computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements an account management method as described in any one of the above.

The invention also provides a computer program product comprising a computer program which, when executed by a processor, implements the account management method as described in any one of the above.

According to the account management method, the account management device, the electronic equipment and the storage medium, under the condition that the transaction type is the first transaction type, the account entry fund information corresponding to each investment portfolio is determined based on the account entry fund information corresponding to the non-cash type financial management product in the current transaction request; determining share change information of the money fund in each investment portfolio based on the posting fund information corresponding to each investment portfolio; and updating the asset allocation information of each investment portfolio based on the share change information of the money fund in each investment portfolio. After the non-cash type financing product obtains the income, the income is directly split into the income corresponding to each investment portfolio, the share change information of the money fund is determined based on the fund information of the income corresponding to each investment portfolio, the asset configuration information of each investment portfolio is updated, the income of each investment portfolio can be distinguished, the income fund is tracked and managed, and the fund management efficiency in the financing account of the user is improved.

Drawings

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

FIG. 1 is a diagram of an application scenario of an account management method provided by the present invention;

FIG. 2 is a flow chart of an account management method according to the present invention;

FIG. 3 is a second flowchart illustrating an account management method according to the present invention;

FIG. 4 is a schematic structural diagram of an account management device provided in the present invention;

fig. 5 is a schematic structural diagram of an electronic device provided in the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is obvious that the described embodiments are some, but not all embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

It should be noted that the terms "first", "second", etc. in the present invention are used for distinguishing similar objects, and are not necessarily used for describing a particular order or sequence. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are capable of operation in sequences other than those illustrated or described herein. Moreover, the terms "comprises," "comprising," and any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or modules is not necessarily limited to those steps or modules explicitly listed, but may include other steps or modules not expressly listed or inherent to such process, method, article, or apparatus.

In the technical scheme of the invention, the collection, storage, use, processing, transmission, provision, disclosure and other processing of the personal information of the related user are all in accordance with the regulations of related laws and regulations, necessary security measures are taken, and the customs of the public order is not violated.

Because a user may select a plurality of investment portfolios to invest in investment, and the plurality of investment portfolios may include the same financing product, when the same financing product generates income, the income is directly remitted into the cash balance of the user, which results in difficulty in calculating the income of each investment portfolios, the invention provides an account management method, an account management apparatus, an electronic device, and a storage medium.

Fig. 1 is a diagram of an application scenario of the account management method provided by the present invention, and as shown in fig. 1, an application scenario of an embodiment of the present invention may include a terminal device 110, a network, and a server 120. The network serves as a medium for providing a communication link between terminal device 110 and server 120. The network may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

A user may use terminal device 110 to interact with server 120 over a network to receive or send messages and the like. Various communication client applications, such as financial applications, etc. (for example only), may be installed on the terminal device 110.

Terminal device 110 may be a variety of electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablets, laptop portable computers, desktop computers, and the like.

Server 120 may be a server that provides various services, such as a backend management server that provides support for websites browsed by users using terminal devices 110 (by way of example only). The background management server may analyze and perform other processing on the received data such as the user query request, and feed back a processing result (e.g., a webpage, information, or data obtained or generated according to the user query request) to the terminal device.

It should be noted that the account management method provided in the embodiment of the present invention may be generally executed by the server 120. Accordingly, the account management apparatus provided by the embodiment of the present invention may be generally disposed in the server 120. The account management method provided by the embodiment of the present invention may also be executed by a server or a server cluster that is different from the server 120 and is capable of communicating with the terminal device 110 and/or the server 120. Accordingly, the account management apparatus provided in the embodiment of the present invention may also be disposed in a server or a server cluster that is different from the server 120 and is capable of communicating with the terminal device 110 and/or the server 120.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for an implementation.

It should be noted that fig. 1 is only an example of an application scenario in which the embodiment of the present invention may be applied to help those skilled in the art understand the technical content of the present invention, and does not mean that the embodiment of the present invention may not be applied to other devices, systems, environments or scenarios.

The following describes an account management method according to an embodiment of the present invention in detail with reference to fig. 2 and 3 based on the scenario described in fig. 1.

Fig. 2 is a schematic flowchart of an account management method provided by the present invention, and as shown in fig. 2, the method includes step 210, step 220, step 230, and step 240.

Step 210, determining a transaction type corresponding to the current transaction request.

Specifically, the transaction request carries transaction information, and the current transaction is matched with each transaction type according to the transaction information to obtain the transaction type of the transaction. The transaction types can be divided into: the cashless financing product is divided into red, the cashless financing product is refunded, the investment portfolio is redeemed or the investment portfolio is purchased, etc.

The execution subject of the embodiment of the invention is an account management device, and the account management device can be a component in an intelligent delivery system. And the account management device receives the current transaction request, analyzes the current transaction request and determines the transaction type corresponding to the current transaction request according to the analysis result.

Taking the dividend posting transaction of the financial product A as an example, the dividend posting request of the financial product A is a transaction request; and the dividend posting information of the financial product A is transaction information. Specifically, when a bonus is generated in the current financial product a and the bonus is to be subjected to an account entering transaction, the transaction server for managing the financial product a sends a transaction request to the account management device, the account management device receives the transaction request and analyzes the transaction request, and the transaction type corresponding to the transaction request is determined to be the non-cash type financial product bonus.

And step 220, under the condition that the transaction type is the first transaction type, determining the account-entering fund information corresponding to each investment portfolio based on the account-entering fund information corresponding to the non-cash type financing product in the current transaction request. Wherein the first transaction type includes a cashless financial product dividend or a cashless financial product refund.

Specifically, the cashless financial product includes: bank deposits with a term of more than 1 year, closed financing, medium and long-term bonds, funds, stocks, gold, foreign exchange, futures and the like. Such financial products are characterized by poor liquidity, and complete transactions can be completed only by T + n, wherein T is the transaction day and n is the fund clearing time.

The posting fund information is income fund data obtained by investing the non-cash financing products in the user account.

An investment portfolio is a collection of stocks, bonds, financial derivatives, etc. held by a user or financial institution. For example, a portfolio comprises a collection of noncash financial products and monetary funds or the like.

The user may invest in a plurality of investment portfolios, which may include the same financing product, and when the same financing product generates a profit, the profit is to be posted, and the financing product exists in the plurality of investment portfolios, so that the posting fund information corresponding to each investment portfolios in which the financing product is located is to be determined to distinguish the profits of each investment portfolios.

Including a first portfolio and a second portfolio in the user account, wherein the first portfolio comprises: 5 shares A and fund B; the investment combination B comprises: 10 shares of stock A and fund C, and currently stock A obtains 1 yuan of income per share.

If the user has 15 shares of the stock A together, the total profit is 15 yuan, and the share of the stock A in the investment portfolio A and the investment portfolio B can be calculated, the stock A in the investment portfolio A can obtain 5 yuan, and the stock A in the investment portfolio B can obtain 10 yuan.

For the embodiment described above, the noncash financial product in the current transaction request is stock A; the account-entering fund information corresponding to the non-cash financing product is 15 yuan of total income information of the stock A; the posting fund information corresponding to each investment portfolio, namely the posting fund corresponding to the first investment portfolio is 5 yuan, and the posting fund corresponding to the second investment portfolio is 10 yuan.

And step 230, determining share change information of the money fund in each investment portfolio based on the account-entering fund information corresponding to each investment portfolio.

Specifically, each investment portfolio comprises a currency fund, and products such as the currency fund have the characteristic of good liquidity and can meet the T +0 real-time transaction.

After determining the posting fund information corresponding to each investment portfolio, the posting fund can be invested into the money fund of each investment portfolio so as to facilitate subsequent income calculation and monitoring.

For example, the first investment portfolio corresponds to 5 dollars in the entry funds, and 1 dollar may buy 1 share of the monetary funds. The 5 dollars of the entered funds are all purchased into the monetary fund, and at this time, 5 additional monetary funds are added to the first portfolio.

And 240, updating the asset allocation information of each investment portfolio based on the share change information of the money fund in each investment portfolio.

Specifically, the asset allocation information is allocation information of investment funds of each financial product in the investment portfolio and share information of each financial product.

After the share of the monetary fund in each investment portfolio changes, the asset allocation information of each investment portfolio needs to be updated synchronously, so that the profit calculation of each investment portfolio and the timely update of a terminal display screen are facilitated.

According to the account management method provided by the embodiment of the invention, under the condition that the transaction type is the first transaction type, the account entry fund information corresponding to each investment portfolio is determined based on the account entry fund information corresponding to the non-cash type financing product in the current transaction request; determining share change information of the money fund in each investment portfolio based on the posting fund information corresponding to each investment portfolio; and updating the asset allocation information of each investment portfolio based on the share change information of the money fund in each investment portfolio. After the non-cash type financing product obtains the income, the income is directly split into the income corresponding to each investment portfolio, the share change information of the money fund is determined based on the fund information of the income corresponding to each investment portfolio, the asset configuration information of each investment portfolio is updated, the income of each investment portfolio can be distinguished, the income fund is tracked and managed, and the fund management efficiency in the financing account of the user is improved.

Based on the above embodiment, step 230 includes:

sending the currency fund transaction instruction corresponding to each investment portfolio to a transaction server;

receiving a currency fund transaction result corresponding to each investment portfolio sent by a transaction server;

Specifically, after the account entry fund information corresponding to the investment portfolio is determined, the account management device generates a currency fund transaction instruction of the investment portfolio and sends the transaction instruction of the currency fund to the transaction server, and the transaction server uses the account entry fund to conduct currency fund transaction after receiving the transaction instruction of the currency fund and feeds back a transaction result.

And if the transaction server successfully purchases the money fund corresponding to each investment portfolio by using the account-entering fund corresponding to each investment portfolio, the transaction is successful, the transaction server sends a message of successful transaction to the account management device, and the account management device determines share change information of the money fund in each investment portfolio.

For example, the entry fund corresponding to the investment portfolio A is 5 yuan, the entry fund corresponding to the investment portfolio B is 10 yuan, and 1 yuan can purchase 1 part of money fund. After confirming that the account-entering fund corresponding to the first investment portfolio is 5 yuan and the account-entering fund corresponding to the second investment portfolio is 10 yuan, the account management device generates a transaction instruction for purchasing 5 money funds in the first investment portfolio and a transaction instruction for purchasing 10 money funds in the second investment portfolio, and sends the two transaction instructions to the transaction server, and after receiving the two transaction instructions, the transaction server purchases 5 money funds in the first investment portfolio and 10 money funds in the second investment portfolio.

If the transaction server succeeds in purchasing 5 monetary funds in the first portfolio and 10 monetary funds in the second portfolio, a message is sent to the account management device that the transaction was successful, and the account management device determines that the share of monetary funds in the first portfolio increases by 5 shares and the share of monetary funds in the second portfolio increases by 10 shares.

As an alternative, after confirming that the entry fund corresponding to the first investment portfolio is 5 yuan and the entry fund corresponding to the second investment portfolio is 10 yuan, the account management device may generate a trading order for purchasing 5 money funds in the first investment portfolio and purchasing 10 money funds in the second investment portfolio. The account management device sends the transaction instruction to the transaction server, and other parts are the same as those in the above embodiment and are not described herein again.

Note that the types of money funds in the respective portfolios may be the same or different.

According to the account management method provided by the embodiment of the invention, the income funds corresponding to each investment portfolio are used for carrying out the money fund transaction corresponding to each investment portfolio, the share change information of the money fund in each investment portfolio is determined, and the income funds can be distributed in time so as to track the income of each investment portfolio.

Based on any of the above embodiments, after receiving the money fund transaction result corresponding to each investment portfolio sent by the transaction server, the account management method further includes:

determining a first investment portfolio under the condition that the currency fund transaction result corresponding to any investment portfolio is failure; the first investment portfolio is a successful investment portfolio with respect to the result of the monetary fund transaction;

generating a money fund refund instruction corresponding to the first investment portfolio based on the posting fund information corresponding to the first investment portfolio;

and receiving a refund result of the money fund corresponding to the first investment portfolio, which is sent by the transaction server.

Specifically, if there is a failure in the transaction of the money fund corresponding to the investment portfolio, in order to prevent a problem from occurring in the execution process of the account management method due to a failure in part of the transaction of the money fund corresponding to each investment portfolio, in the embodiment of the present invention, when the transaction result of the money fund corresponding to any investment portfolio is a failure, the transaction result of the money fund is determined to be a successful investment portfolio, that is, a first investment portfolio is determined, and the money fund corresponding to the first investment portfolio is refunded.

For example, if the entry fund corresponding to the first investment portfolio is 5 yuan, the entry fund corresponding to the second investment portfolio is 10 yuan, the transaction device successfully purchases 5 money funds in the first investment portfolio, and the purchase of 10 money funds in the second investment portfolio fails.

And determining the first investment combination as the successful investment combination as a result of the monetary fund transaction, namely determining the first investment combination as the first investment combination. And the account management device generates an instruction for refunding 5 money funds in the first investment portfolio and sends the instruction to the transaction server, and the transaction server refunds the 5 money funds in the first investment portfolio based on the instruction and sends a refund result to the account management device.

According to the account management method provided by the embodiment of the invention, under the condition that the money fund transaction result corresponding to any investment portfolio is failed, the fact that the investment portfolio is the successful investment portfolio is determined, and the money fund corresponding to the investment portfolio which is successfully transacted is refunded, so that the problem in the execution process of the account management method can be prevented, and the accuracy of the account management method is improved.

As an optional embodiment, after determining the account entry fund information corresponding to each investment portfolio, the account entry fund information corresponding to each current investment portfolio may be cached, and when there is a failure in the money fund transaction result corresponding to a part of the investment portfolio, the money fund transaction result of the successful investment portfolio does not need to be refunded, and the money fund transaction is performed again only according to the cached account entry fund information corresponding to each investment portfolio until the transaction is successful.

According to the account management method provided by the embodiment of the invention, the account entry fund information corresponding to each investment portfolio is cached, so that the money fund transactions corresponding to each investment portfolio are mutually independent, and the refund of the money fund with successful transaction caused by the transaction failure of part of the money fund is not needed.

Based on any of the above embodiments, step 220 includes:

matching in each investment portfolio based on the product identification information of the non-cash type financing products, and determining the position information of the non-cash type financing products in each investment portfolio based on the matching result;

and determining the account entry fund information corresponding to each investment portfolio based on the account entry fund information corresponding to the non-cash type financing products and the position holding information of the non-cash type financing products in each investment portfolio.

Specifically, after the income fund of the non-cash type financing product is acquired, the account management device analyzes the non-cash type financing product, acquires the product identification information of the non-cash type financing product, and matches in each investment portfolio according to the product identification information to acquire the information of the non-cash type financing product in each investment portfolio, wherein the information of the non-cash type financing product in each investment portfolio comprises the position information of the non-cash type financing product. The product identification information may include a product code or a product name, etc.

And calculating the account fund information corresponding to each investment portfolio based on the account fund information corresponding to the non-cash type financing products and the position holding information of the non-cash type financing products in each investment portfolio.

For example, 150 yuan is obtained, the capital A is included in the first investment portfolio and the second investment portfolio, the share of the capital A in the first investment portfolio is 5, and the share of the capital A in the second investment portfolio is 10.

After obtaining the bonus of 150 yuan of the fund A, the account management device analyzes the fund A, obtains product identification information of the fund A, identifies that a product to be financed is the fund A, matches in each investment portfolio according to the product identification information to obtain the condition that the fund A exists in the first investment portfolio and the second investment portfolio, obtains the position information of the fund A in the first investment portfolio and the second investment portfolio, and obtains the share of the fund A in the first investment portfolio as 5 and the share of the fund A in the second investment portfolio as 10.

Adding the shares of the fund A in the first investment combination and the second investment combination to obtain the total share of the fund A in the user account as 15, dividing the dividend value of the current fund A by the total share of the fund A to obtain the dividend of each fund A as 10 yuan, wherein the share of the fund A in the first investment combination is 5 yuan, the share of the fund A in the second investment combination is 10 yuan, and calculating to obtain the account-entering fund corresponding to the first investment combination as 50 yuan and the account-entering fund corresponding to the second investment combination as 100 yuan.

According to the account management method provided by the embodiment of the invention, the position information of the non-cash type financial products in each investment portfolio can be determined by analyzing the product identification information of the non-cash type financial products; and determining the posting fund information corresponding to each investment portfolio based on the posting fund information corresponding to the non-cash type financing products and the position holding information of the non-cash type financing products in each investment portfolio. To differentiate the posting funds for each portfolio.

Based on any of the above embodiments, after step 240, the account management method further includes:

determining first net worth information of each investment portfolio on the current trading day based on the product share information of the money fund in each investment portfolio and unit net worth information corresponding to the money fund on the current trading day;

determining net worth information of each investment portfolio on the current trading day based on the first net worth information and the second net worth information;

Specifically, the first net worth information is the total amount information of the cashless financial products in the investment portfolio on the current transaction day. The second net worth information is the total amount of money funds in the portfolio on the current trading day.

The account management device analyzes the product share information of the money fund in each investment portfolio and the unit net worth information of the money fund corresponding to the current trading day to obtain the product share of the money fund in each investment portfolio and the unit net worth of the money fund corresponding to the current trading day. And multiplying the product share of the currency fund in each investment portfolio by the unit net value corresponding to the currency fund on the current trading day to obtain the first net value information of each investment portfolio on the current trading day.

For example, a first portfolio and a second portfolio are included in the user account, wherein the first portfolio includes 5 monetary funds B; the second investment pool includes 10 monetary funds B. The net unit worth of the currency fund B on the current transaction day is 1 yuan.

The account management device analyzes the currency fund B in the first investment portfolio and the second investment portfolio to obtain a first investment portfolio comprising 5 currency funds B; the second investment pool includes 10 monetary funds B. Taking 5 times of the unit net worth 1 corresponding to the currency fund B on the current trading day to obtain first net worth information of the first investment portfolio on the current trading day; and multiplying 10 by the unit net value 1 corresponding to the currency fund B on the current trading day to obtain the first net value of the capital investment portfolio on the current trading day.

In addition, the account management device analyzes the product share information of the non-cash type financing products in each investment portfolio and the unit net worth information corresponding to each non-cash type financing product on the current trading day, and obtains the product share of each non-cash type financing product and the unit net worth corresponding to each non-cash type financing product on the current trading day. And multiplying the product share of each non-cash type financing product and the unit net value corresponding to each non-cash type financing product on the current trading day, and then summing the product share and the unit net value to obtain the second net value of each investment portfolio on the current trading day.

For example, a first portfolio is included in the user's account, where the first portfolio includes 5 shares of stock A and 5 shares of fund C in addition to the monetary fund B. The unit net value of the stock A corresponding to the current trading day is 1 yuan, and the unit net value of the fund C corresponding to the current trading day is 2 yuan.

The account management device analyzes the non-cash financing products in the first investment portfolio to obtain the first investment portfolio comprising 5 shares of stock A and 5 shares of fund C. And multiplying 5 by the unit net value 1 corresponding to the stock A on the current trading day and multiplying 5 by the unit net value 2 corresponding to the fund C on the current trading day, and then adding the products of the two to obtain the second net value of the first investment portfolio on the current trading day. Similarly, a second net worth of the portfolio b on the current trading day may be calculated.

The net worth values for each portfolio on the current trading day may be obtained by summing the first net worth and second net worth values for each portfolio.

To determine revenue shift information for each portfolio. The account management device acquires the net worth information of each investment portfolio on the historical trading day, and the net worth value of each investment portfolio on the current trading day is subtracted from the net worth value of each investment portfolio on the historical trading day, so that the income value of each investment portfolio on the current trading day can be obtained.

According to the account management method provided by the embodiment of the invention, the income change information of each investment portfolio can be determined by acquiring the net worth information of the financing products in each investment portfolio on the current trading day and the historical trading day, and the income change data of each investment portfolio can be accurately calculated.

Based on any of the above embodiments, after step 210, the account management method further includes:

under the condition that the transaction type is a second transaction type, analyzing the current transaction request and determining the investment portfolio to be redeemed;

sending the redemption transaction instruction corresponding to each financial product to a transaction server, and receiving the redemption amount corresponding to each financial product sent by the transaction server;

wherein the second transaction type includes portfolio redemption.

Specifically, the current transaction request is analyzed, the transaction type corresponding to the current transaction request is determined to be the second transaction type, namely the transaction corresponding to the current transaction request is redeemed by the investment portfolio, and meanwhile, the investment portfolio to be redeemed is determined.

The account management device analyzes the investment portfolio to be redeemed to obtain the asset configuration information of the investment portfolio to be redeemed, wherein the asset configuration information comprises the product information of the non-cash financing products and the currency fund in the investment portfolio to be redeemed.

The account management device generates a redemption transaction instruction corresponding to each financial product in the investment portfolio to be redeemed based on the transaction request, sends the redemption transaction instruction corresponding to each financial product to the transaction server, the transaction server carries out redemption transaction on each financial product after receiving the redemption transaction instruction, and after the redemption transaction is successful, the transaction server sends the redemption amount corresponding to each financial product to the account management device. The account management device stores the redeemed funds corresponding to each financing product in the cash balance of the user account after receiving the redeemed amount corresponding to each financing product sent by the transaction server.

The account management method provided by the embodiment of the invention carries out redemption transaction on financial products in the investment portfolio to be redeemed based on the asset configuration information in the investment portfolio to be redeemed, stores the redeemed funds in the cash balance of the user account, and updates the cash balance of the user account. The redeemed funds can be processed in time, and the user experience is improved.

As an alternative embodiment, after step 210, the account management method further includes:

under the condition that the transaction type is a third transaction type, analyzing the current transaction request, and determining an investment portfolio to be purchased;

generating a purchase transaction instruction corresponding to each financing product in the investment portfolio to be purchased based on the configuration of the financing product in the investment portfolio to be purchased; the financial products comprise non-cash financial products and currency funds;

sending the procurement transaction instruction corresponding to each financing product to a transaction server, and receiving procurement share information corresponding to each financing product sent by the transaction server;

creating investment portfolios to be bought in the user accounts based on the purchase share information corresponding to each financing product;

wherein the third transaction type comprises a portfolio commitment.

Specifically, the current transaction request is analyzed, the transaction type corresponding to the current transaction request is determined to be the third transaction type, namely the transaction corresponding to the current transaction request is the investment portfolio subscription, and the investment portfolio to be subscribed is determined.

The account management device analyzes the investment portfolio to be applied for purchase to obtain the asset allocation information of the investment portfolio to be applied for purchase, wherein the asset allocation information comprises the product information of non-cash financing products and money funds in the investment portfolio to be applied for purchase.

The account management device generates a procurement transaction instruction corresponding to each financial product in the investment portfolio to be procured based on the transaction request, the procurement transaction instruction corresponding to each financial product is sent to the transaction server, the transaction server performs procurement transaction on each financial product after receiving the procurement transaction instruction, and after the procurement transaction is successful, the transaction server sends procurement share information corresponding to each financial product to the account management device. And after receiving the purchase-applying share information corresponding to each financial product sent by the transaction server, the account management device creates the investment portfolio to be purchased in the user account.

The account management method provided by the embodiment of the invention is used for purchasing the financing product in the investment portfolio to be purchased based on the financing product configuration in the investment portfolio to be purchased, and after the purchasing transaction is successful, the investment portfolio to be purchased is created in the user account, so that the user can be helped to automatically purchase the investment portfolio to be purchased, and the user experience is improved.

Fig. 3 is a second flowchart of the account management method provided by the present invention, as shown in fig. 3, the method includes steps 310 to 340.

Step 310, receiving a transaction request initiated by a client, and determining a transaction type corresponding to the current transaction request.

And 320, selecting investment products according to the major categories of assets such as cash, solid income, equity and other investments, producing the product proportion of each investment portfolio, configuring currency fund products meeting T +0 and meeting 7 x 24 hours real-time transaction in each investment portfolio, and enabling the cash products to be used for temporary fund transfer.

And step 330, reading the asset configuration information of each investment portfolio according to a transaction request initiated by the client, generating a transaction instruction and scheduling and executing the transaction.

If the transaction type is investment portfolio procurement, investment portfolio warehouse allocation or investment portfolio redemption, the following steps are automatically triggered, and the specific process is as follows:

reading asset allocation information of each investment portfolio; and generating the trading instruction of each investment portfolio asset according to the asset configuration information of each investment portfolio, and splitting the trading instruction of each investment portfolio into the trading instruction of each financing product.

And sending the transaction instruction of each financial product to a transaction server for ordering transaction, and continuously executing next transaction by the transaction server after each transaction is successful until the transactions of all the financial products are completed.

And receiving a transaction result fed back by the transaction server, executing the step 340 if the transaction result is successful, and invoking the step 310 if the transaction fails.

If the transaction type is that the cashless financing product is red or the cashless financing product refunds, the following steps are automatically triggered, and the specific process is as follows:

reading asset allocation information of each investment portfolio, and acquiring cash product information such as money fund and the like in the asset allocation information; and triggering a currency fund transaction instruction, wherein the transaction meets the system T +0 and meets the 7 x 24 hour real-time transaction requirement.

The transaction such as payment of the non-cash financing product or refund of the non-cash financing product and the transaction of triggering the money fund are completed in the same operation step, so that the consistency of the transaction is ensured.

And receiving the transaction result fed back by the transaction server, executing step 340 if the transaction result is successful, and executing rollback if the transaction fails, and continuing to invoke step 310.

And step 340, receiving share change information of the money fund in each investment portfolio, product share information of the financing products in each investment portfolio, unit net worth information corresponding to the current trading day of the financing products in each investment portfolio and the like. And calculating net worth information of each investment portfolio on the current trading day and net worth information of each investment portfolio on the historical trading day, and determining income change information of each investment portfolio to determine income change information of each investment portfolio.

According to the account management method provided by the embodiment of the invention, the money fund is introduced into each investment portfolio, and the non-cash financing product is divided into money or refund of the non-cash financing product is carried out with money fund transaction, so that the asset allocation of the investment portfolio is optimized, the income tracking of each investment portfolio is facilitated, the income rate of each investment portfolio is improved to the greatest extent, and the financial management risk is reduced.

Based on the account management method, the invention also provides an account management device. The apparatus will be described in detail below with reference to fig. 4.

Fig. 4 is a schematic structural diagram of an account management apparatus provided in the present invention, and as shown in fig. 4, the account management apparatus according to the embodiment of the present invention includes a transaction type determination module 410, an income fund determination module 420, a share change determination module 430, and an asset configuration update module 440.

The transaction type determination module 410 is configured to determine a transaction type corresponding to the current transaction request.

The posting fund determining module 420 is configured to determine posting fund information corresponding to each investment portfolio based on posting fund information corresponding to a non-cash financial product in the current transaction request, if the transaction type is the first transaction type.

The share change determining module 430 is configured to determine share change information of the monetary fund in each investment portfolio based on the entered-account fund information corresponding to each investment portfolio.

The asset allocation update module 440 is configured to update the asset allocation information of each portfolio based on the share change information of the monetary fund in each portfolio.

Wherein the first transaction type includes a cashless financial product dividend or a cashless financial product refund.

Specifically, according to an embodiment of the present invention, any of the transaction type determination module 410, the posting funds determination module 420, the share change determination module 430, and the asset configuration update module 440 may be combined in one module for implementation, or any one of them may be split into multiple modules.

Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module.

According to an embodiment of the invention, at least one of the transaction type determination module 410, the posting funds determination module 420, the share change determination module 430, and the asset configuration update module 440 may be implemented at least in part as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or by hardware or firmware, or any other reasonable manner of integrating or packaging a circuit, or any one of or a suitable combination of any of the three.

Alternatively, at least one of the transaction type determination module 410, the posting funds determination module 420, the share change determination module 430, and the asset configuration update module 440 may be implemented at least in part as computer program modules that, when executed, may perform corresponding functions.

According to the account management device provided by the embodiment of the invention, under the condition that the transaction type is the first transaction type, the account entry fund information corresponding to each investment portfolio is determined based on the account entry fund information corresponding to the non-cash type financing product in the current transaction request; determining share change information of the money fund in each investment portfolio based on the posting fund information corresponding to each investment portfolio; and updating the asset allocation information of each investment portfolio based on the share change information of the money fund in each investment portfolio. After the non-cash type financing product obtains the income, the income is directly split into the income corresponding to each investment portfolio, the share change information of the money fund is determined based on the fund information of the income corresponding to each investment portfolio, the asset configuration information of each investment portfolio is updated, the income of each investment portfolio can be distinguished, and the income fund is tracked and managed.

Based on any of the above embodiments, the share change determination module is further configured to:

According to any of the above embodiments, the account management apparatus further comprises a money fund transaction module configured to:

Based on any embodiment above, the posting funds determination module is further configured to:

Based on any of the above embodiments, the account management apparatus further includes a revenue change determination module, configured to:

According to any of the above embodiments, the account management apparatus further comprises a redemption transaction module for:

sending the redemption transaction instruction corresponding to each financing product to the transaction server, and receiving the redemption amount corresponding to each financing product sent by the transaction server;

wherein the second transaction type includes portfolio redemption.

Based on any embodiment, the account management apparatus further includes a subscription transaction module, configured to:

creating investment portfolios to be bought in a user account based on the purchase share information corresponding to each financing product;

wherein the third transaction type comprises a portfolio commitment.

Based on any of the above embodiments, fig. 5 is a schematic structural diagram of an electronic device provided by the present invention, and as shown in fig. 5, the electronic device may include: a processor (processor) 510, a Communication Interface (Communication Interface) 520, a memory (memory) 530 and a Communication Bus 540 (Communication Bus), wherein the processor 510, the Communication Interface 520 and the memory 530 are communicated with each other via the Communication Bus 540. Processor 510 may invoke logic instructions in memory 530 to perform an account management method comprising:

determining a transaction type corresponding to the current transaction request; under the condition that the transaction type is the first transaction type, determining the account-entering fund information corresponding to each investment portfolio based on the account-entering fund information corresponding to the non-cash type financing product in the current transaction request; determining share change information of the money fund in each investment portfolio based on the posting fund information corresponding to each investment portfolio; updating the asset allocation information of each investment portfolio based on the share change information of the money fund in each investment portfolio; wherein the first transaction type includes a cashless financial product bonus or a cashless financial product refund.

In addition, the logic instructions in the memory may be implemented in the form of software functional modules and may be stored in a computer readable storage medium when sold or used as a stand-alone product. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk, and various media capable of storing program codes.

In another aspect, the present invention also provides a computer program product, which includes a computer program, which can be stored on a non-transitory computer readable storage medium, and when executed by a processor, can implement the method provided by the above embodiments.

In yet another aspect, the present invention further provides a non-transitory computer-readable storage medium, on which a computer program is stored, and the computer program can implement the methods provided by the above embodiments when executed by a processor.

The above-described embodiments of the apparatus are merely illustrative, wherein the modules described as separate parts may or may not be physically separate, and the parts displayed as modules may or may not be physical modules, may be located in one place, or may be distributed on a plurality of network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the embodiment of the present invention. One of ordinary skill in the art can understand and implement it without inventive effort.

Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments.

Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, and not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.

Claims

1. An account management method, comprising:

determining the account entry fund information corresponding to each investment portfolio on the basis of the account entry fund information corresponding to the non-cash type financing product in the current transaction request under the condition that the transaction type is the first transaction type;

2. The account management method according to claim 1, wherein the determining information of the share change of the monetary fund in each investment portfolio based on the entered-account fund information corresponding to each investment portfolio comprises:

3. The account management method according to claim 2, wherein after receiving the money fund transaction result corresponding to each portfolio transmitted from the transaction server, the method comprises:

determining a first investment portfolio under the condition that the currency fund transaction result corresponding to any investment portfolio is failure; said first portfolio is a successful portfolio with respect to a monetary fund transaction outcome;

4. The account management method according to any one of claims 1 to 3, wherein the determining the account information corresponding to each portfolio based on the account information corresponding to the cashless financial product in the current transaction request comprises:

5. The account management method according to any one of claims 1 to 3, wherein after updating the asset allocation information of each portfolio based on the share change information of the monetary fund in each portfolio, the method comprises:

6. The account management method according to any one of claims 1 to 3, wherein after determining the transaction type corresponding to the current transaction request, the method comprises:

generating redemption transaction instructions corresponding to various financial products in the investment portfolio to be redeemed based on the asset configuration information in the investment portfolio to be redeemed; the financial products comprise non-cash financial products and currency funds;

wherein the second transaction type includes portfolio redemption.

7. The account management method according to any one of claims 1 to 3, wherein after determining the transaction type corresponding to the current transaction request, the method comprises:

sending a procurement transaction instruction corresponding to each financing product to a transaction server, and receiving procurement share information corresponding to each financing product sent by the transaction server;

wherein the third transaction type comprises a portfolio commitment.

8. An account management apparatus, comprising:

9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program implements the account management method of any of claims 1 to 7.

10. A non-transitory computer readable storage medium having stored thereon a computer program, wherein the computer program, when executed by a processor, implements the account management method of any of claims 1 to 7.