WO2019033741A1 - 投资产品的资源处理方法、装置、存储介质和计算机设备 - Google Patents

投资产品的资源处理方法、装置、存储介质和计算机设备 Download PDF

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WO2019033741A1
WO2019033741A1 PCT/CN2018/077330 CN2018077330W WO2019033741A1 WO 2019033741 A1 WO2019033741 A1 WO 2019033741A1 CN 2018077330 W CN2018077330 W CN 2018077330W WO 2019033741 A1 WO2019033741 A1 WO 2019033741A1
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product
resource
product information
information
channel
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PCT/CN2018/077330
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English (en)
French (fr)
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仝西乐
刘星
罗佳
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平安科技（深圳）有限公司
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis

Definitions

  • the present application relates to the field of information processing technologies, and in particular, to a resource processing method, apparatus, storage medium, and computer device for an investment product.
  • the custodian institution performs corresponding processing according to the entrusted transaction information of the user to realize the risk of maintaining and/or dispersing the user assets.
  • the transaction information includes the investment products to be traded and the resources to be traded.
  • the custodians process the investment products according to the transaction information, they need to obtain some of the resources.
  • the value of the acquired resources is the resource management value. The remuneration of the entrusted transaction.
  • a resource processing method, apparatus, storage medium, and computer device of an investment product are provided.
  • a resource processing method for an investment product comprising: acquiring first product information in a resource total value table, where the first product information includes a product identifier, a product channel, and a total resource value; and corresponding to each product channel
  • the preset resource processing frequency detecting whether the corresponding first product information is current pending information; writing the first product information determined to be current pending information into the resource calculation record table; and reading according to the preset asynchronous computing task Taking each first product information in the resource calculation record table, determining a product resource calculation model matching the first product information according to the product channel and the product identifier, and inputting the total resource value into the matching calculation model to generate and generate Resource management value.
  • a resource processing device for an investment product comprising: a first product information acquiring module, configured to acquire first product information in a resource total value table, where the first product information includes a product identifier, a product channel, and a resource a total value; a state detecting module, configured to detect, according to a preset resource processing frequency corresponding to each product channel, whether the corresponding first product information is current pending information; the first product information writing module is configured to determine the current The first product information of the to-be-processed information is written into the resource calculation record table; and the resource management value calculation module is configured to read each of the first product information in the resource calculation record table according to the preset asynchronous calculation task, according to The product channel and product identification determine the product resource calculation model that matches the first product information, and the total resource value is input into the matching calculation model to calculate, and the resource management value is generated.
  • a computer device comprising a memory and a processor, wherein the memory stores computer readable instructions, the computer readable instructions being executed by the processor, such that the processor of the present application is any resource of an investment product The steps of the processing method.
  • One or more non-transitory computer readable storage media storing computer readable instructions, when executed by one or more processors, causing one or more processors to perform any of the present application. The steps of a resource processing method for an investment product.
  • 1 is a flow chart of a method for processing resources of an investment product in an embodiment
  • FIG. 2 is a flow chart showing a process of generating a resource total value table in an embodiment
  • 3 is a flow chart showing the steps of determining a product resource calculation model that matches the first product information according to the product channel and the product identification in one embodiment
  • FIG. 4 is a flow chart showing a process of calculating a resource management score in an embodiment
  • FIG. 5 is a structural block diagram of a resource processing apparatus for an investment product in an embodiment
  • FIG. 6 is a structural block diagram of a resource processing apparatus for an investment product in another embodiment
  • FIG. 7 is a structural block diagram of a resource processing apparatus for an investment product in still another embodiment
  • FIG. 8 is a structural block diagram of a resource processing apparatus for an investment product in still another embodiment
  • Figure 9 is a diagram showing the internal structure of a computer device in an embodiment.
  • first, second and the like may be used to describe various elements, but these elements are not limited by these terms. These terms are only used to distinguish one element from another.
  • first product information may be referred to as second product information without departing from the scope of the present application, and similarly, the second product information may be referred to as first product information.
  • Both the first product information and the second product information are product information, but the specific field contents included in the two product information are not necessarily the same.
  • a resource processing method for an investment product is provided.
  • the embodiment is applicable to a computer device for description.
  • the computer device can be a device such as a server or a terminal, and the method includes:
  • Step S102 Acquire first product information in a resource total value table, where the first product information includes a product identifier, a product channel, and a total resource value.
  • a resource total value table is preset on the computer device, and the first resource information is stored in the resource total value table.
  • the product may include, but is not limited to, stocks, bonds, funds, insurance, futures, etc. as investment products.
  • Each first product information may include basic field information such as a product identifier of the corresponding product, a product channel, and a total resource value of the product, and may also include a product name of the product, a number of users of the transaction user who purchased the product, and the like. Other field information related to the product's information.
  • the product identifier is used to uniquely identify the corresponding product, and is composed of letters, numbers or other characters of a preset number of digits, and may be a product code of the product.
  • the product channel is used to indicate the channel information of the user to trade the product.
  • the types of product channels include direct sales and channels.
  • the direct sales type indicates that the user is a product directly traded from a branch or a central institution of the trust institution; the channel type indicates that the user is a product indirectly traded from the agent of the trust institution.
  • the same product, under different channels, has different rules for obtaining resources.
  • the total resource value is used to represent the aggregated resource initial values of products that are traded by all users in each of the same types of channels over a preset time period.
  • first product information there are two pieces of first product information, one of which has the product identifier as the identifier A, the resource type as the direct sales, and the total resource value is the value A; the product identification of the second is the identifier B, the resource type is the channel, and the total resource value Is the value B. That is, the first product information of one represents the product for the identification A, and the total value of the resources of the product is summarized under the direct sales type; the first product of the second product indicates the product for the same identification A, which is summarized under the channel type. The total value of the resources for this product.
  • the computer device may store each piece of first product information in rows or columns in the resource totals table. And scanning, according to the preset first resource processing frequency, the first product information in the resource total value table.
  • the first resource processing frequency is a minimum convention frequency determined according to a second resource processing frequency of each product.
  • the frequency of resource processing for different products and/or different channels may not be the same. For example, when the resource processing frequency of all products is summarized, including monthly processing and quarterly processing, the minimum common frequency of the processing frequency of the two resources can be calculated as once a month, and the frequency setting of the monthly processing is set once. The frequency of processing the first resource for the resource total value table.
  • Step S104 Detect whether the corresponding first product information is current pending information according to a preset resource processing frequency corresponding to each product channel.
  • the preset resource processing frequency corresponding to each product channel is the above-mentioned second resource processing frequency.
  • the computer device may preset a correspondence between each product identifier and/or product channel and one of the resource processing frequencies, and according to the correspondence, the resource processing frequency of each first product information may be determined.
  • the computer device can detect the current preset resource processing frequency corresponding to each product channel, determine the resource processing time of the corresponding product, and detect whether the acquired system time of the first product information of the product is the resource processing time, and if so, Then, the first product information is determined to be the current to-be-processed information, and the acquired first product information is retained. Otherwise, the first pending product information is discarded.
  • the current system time is at the beginning of the month, and not at the beginning of the month, such as early May.
  • the resource processing frequency of a product is processed once a month or once a day, the first product information of the product may be determined as current pending information, and the first product information is retained; if the resource processing frequency is If the first product information of the product is not the current pending information, the obtained first product information is discarded.
  • Step S106 the first product information determined to be the current to-be-processed information is written into the resource calculation record table.
  • the computer device also presets a resource calculation record table for storing the first product information currently to be processed.
  • the first product information may be written into the resource calculation record table.
  • each field information of the first product information may be written into the resource calculation record table in rows or columns, and the product information of each first product written also includes the product identifier and the product channel described above. And field information such as total resource values.
  • the computer device performs a corresponding determination for each piece of the first product data, and writes each of the first product information that is determined to be currently to be processed into the resource calculation record table, so that the first product information in the subsequent record table is subsequently Process it.
  • Step S108 Read each first product information in the resource calculation record table according to the preset asynchronous calculation task, determine a product resource calculation model that matches the first product information according to the product channel and the product identifier, and input the total resource value. The calculation is performed in the matching calculation model to generate resource management values.
  • the computer device respectively sets a corresponding asynchronous computing task for each first product information in the write resource calculation record table, and the asynchronous computing task is a task for starting the generation of the resource management value.
  • a corresponding asynchronous computing task queue can be set, in which each asynchronous computing task to be processed is stored.
  • the computer equipment pre-sets a plurality of product resource calculation models, and correspondingly the products and their channels for each resource calculation model, and establishes a corresponding relationship with each applicable product identifier and product channel, according to which the relationship can be determined and A product resource calculation model that matches each of the first product information. And setting a total resource value in the first product information to an input corresponding to the product resource calculation model, triggering a calculation instruction on the product resource calculation model, and outputting a resource management value of the corresponding product.
  • the total resource value may include values of a plurality of types of resources
  • the output resource management value may also include a plurality of values, each value corresponding to a management type of the plurality of resources.
  • the management type of resources may include basic management resources, sales service resources, floating management resources, initial resources, contracted resources, commissions, performance discounts, receivables, redemption resources, management resources, and channels.
  • Each product resource calculation model may include an output of one or more of the above various types of management resources.
  • the resource processing method for the investment product described above determines whether the current information to be processed is determined for each piece of the first product information from the resource total value table, and extracts the information determined as the current pending information from the resource total value table.
  • a product information is written into the resource calculation record table such that each piece of first product information currently required to be processed is stored in the resource record table.
  • the resource calculation model calculates the total value of the resources into the matching calculation model to generate resource management values. Thereby, the calculation of the resource management value is automatically performed, the manual participation is reduced, and the resource processing efficiency of the investment product is improved.
  • the above method further includes a process of generating a resource total value table, which may be performed before step S102 described above. As shown in Figure 2, this includes:
  • Step S202 Synchronize the second product information in the first product information table of the data center to the second product information table, where the second product information includes user identifier, product identifier, resource initial value, and field information of the product channel.
  • the second product information stored in the first product information table and the second product information table are user product information of each user. It can be the user product information of each user under the current cycle.
  • Each branch of the hosting organization stores its user product information in the first product information table in the data center.
  • the computer device synchronizes the second product information in the first product information table of the data center to the second product information table, and the second product information table can be stored in a memory of the computer device, so that the synchronization is performed, so that the data is not required
  • the first product information table is processed frequently in the center, and only the synchronized second product information table needs to be processed.
  • Each second product information includes field information such as user identification, product identification, resource initial value, and product channel.
  • the user identifier is used to uniquely identify a user, and the initial value of the resource may be a resource value used by the user for the corresponding product for subsequent calculation.
  • the first product information table and the second product information table may each include a user's transaction confirmation form and a historical share list, and may also include a product quotation table for each product.
  • the computer device may invoke an interface for data synchronization with the data center, and synchronize the second product information in the first product information table in the data center according to the preset TJS program EGIS_TJS_CsdcToOpms_job to synchronize the computer product into the computer device.
  • the second product information sheet may be invoked.
  • step S204 the initial value of the resource having the same product channel and the product identifier is superimposed in the second product information in the second product information table, and the total resource value of each of the same product channel and the product identifier is generated.
  • the computer device can detect whether the product identification and the product channel are the same in all the second product information, and respectively summarize the initial value of the resource in each second product information having the same product identification and product channel, and call the preset accumulator or A calculation tool such as an adder superimposes the initial values of each of the aggregated resources, and the generated superimposed sum is the total value of the resources of each product under each product identification.
  • the initial values of the resources in the 100 second product information may be summarized, and the initial values of the 100 resources may be obtained. And, generate a total resource value, and establish an association relationship between the total value of the resource and the corresponding product identifier and product channel.
  • step S206 the total resource value is written into the preset resource total value table.
  • the field of the total resource value in each first product information stored in the resource total value table is empty.
  • the product identifier and product channel corresponding to the total value of the resource may be queried. And write the total value of the resource into the total resource value table, in the total value field in the first product information with the same product ID and product channel.
  • the product information table in the data center is not frequently accessed, and the second product information processing is performed in the second product information table, thereby improving the data processing speed.
  • each resource initial value with the same product channel and product identification is superimposed, and the total value of the generated resource is written into the resource total value table, thereby realizing the writing of the total resource value of all products. Therefore, the resource processing can be performed according to the total value of the resources in the first product information.
  • the method further includes: setting each first product information in the resource calculation record table to a state to be calculated; and detecting a field of the total resource value in the first product information of each to-be-calculated state Whether it is empty or not, when not empty, the system timing task is called to generate a corresponding asynchronous computing task for the first product information of the calculation state, and the corresponding first product information is modified to the calculation state.
  • the computer device may also set a corresponding calculation state for each piece of first product information in the resource calculation record table, and set a calculation state of each piece of first product information to a state to be calculated.
  • the calculation states include a state to be calculated, a state in calculation, and a state of completion of calculation.
  • the computer device may further detect whether the field of the total resource value in each of the first product information is empty, and if yes, indicating that there is no corresponding to the first product. The total value of the resource so that the first product information may not be processed.
  • the system timing task may be invoked to generate a corresponding asynchronous computing task for the first product information of the computing state, and the corresponding first product information is modified to the computing state.
  • the system timing task is a preset system task for generating the asynchronous computing task, such as a generateCalculationFeeTaskAction task.
  • the asynchronous computing task can be inserted into the corresponding asynchronous computing task list, and the corresponding relationship between the task and the corresponding first product information is set for the generated asynchronous computing task.
  • the computer device or other device reads the asynchronous computing task in the list, according to the corresponding relationship, the corresponding first product information is acquired for task processing.
  • Reading each first product information in the resource calculation record table according to the preset asynchronous calculation task comprising: reading the corresponding first product information in the calculation state in the resource calculation record table according to each asynchronous calculation task; After the resource management value is generated, the method further includes: modifying the first product information to a calculation completion state.
  • a computer device or other device associated with the computer device for performing asynchronous computing task processing may read an asynchronous computing task in the list and read from the resource computing record table based on the established correspondence
  • the corresponding first product information is taken, and the state of the first product information read in the resource calculation record table is modified to be a calculation state, to identify that the first product information is being processed correspondingly.
  • the state is modified to the calculation completion state. And perform the execution of the next asynchronous computing task until all asynchronous computing tasks are completed.
  • the computer device or other device may start executing the asynchronous computing task to be processed in the list when receiving an instruction sent by the management terminal to perform asynchronous computing task processing.
  • the asynchronous computing task is automatically started.
  • the computer device or other device can perform one or more asynchronous computing tasks simultaneously according to the preset number of threads, so as to improve the calculation efficiency of the resource management value.
  • the product channel includes a channel and a direct sales.
  • a product resource calculation model that matches the first product information is determined according to the product channel and the product identifier, including:
  • Step S302 for each first product information, determine a product category to which the corresponding product belongs according to the product identifier therein.
  • the computer device presets the product category to which each investment product belongs, and establishes a correspondence between the product identification of each investment product and the product category to which it belongs. After the first product information of the resource management value to be calculated is extracted, the product category corresponding to the first product information may be determined according to the correspondence between the product identifier and the product category in the first product information.
  • Step S304 when the product channel is a channel, obtain a product resource calculation model that matches the product category in the channel situation.
  • Step S306 when the product channel is direct sales, obtain a product resource calculation model that matches the product category in the direct sales situation.
  • the computer device may further determine a matching product resource calculation model according to the product channel therein.
  • the product resource calculation model for each product category, when the product channel is the channel, and the matching product resource calculation model when the product channel is direct sales are established, according to the matching product resource calculation model.
  • the calculation of the resource management value of the corresponding investment product is the product category to which the investment product belongs in the first product information.
  • the preset product categories may include an open product, a closed product, a group open product, a closed product, a asset management product, a asset management product, and an account management asset.
  • the management type of resource management value may include basic management resources, sales service resources, floating management resources, initial resources, contracted resources, commissions, performance discounts, receivables, redemption resources, management resources, and channel services.
  • Each product resource calculation model may include an output of one or more of the above various types of management resources.
  • Each management type corresponds to a specific sub-calculation model, and the resource management values required for each product category respectively correspond to one or several management types.
  • the computer device can respectively establish an association relationship between each product category and a sub-calculation model of several management types to be calculated, and package the corresponding product resource calculation model of the product category according to the several sub-calculation models. That is, each product resource calculation model contains sub-calculation models of several management types that are required to be calculated for the corresponding type of product.
  • the first product information in the resource total value table includes 1000 copies, and based on the product identification in the 1000 first product information, it is determined that the first product information according to the category of the asset management product includes 2000 copies.
  • the first product information of the product channel is 500
  • the first product information of the product channel is 1,500.
  • determining, by the 500 pieces of the first product information, the type of the resource management value that needs to be calculated, including the channel service management resource; the resource management value that needs to be calculated corresponding to the 1500 pieces of the first product information includes the basic management resource, the subscription resource, Subscription resources, redemption resources, commissions and performance targets. And determining, according to the type of the resource management value that is required to be calculated, a sub-calculation model of the corresponding first product, and obtaining a resource computing model encapsulated by the sub-calculation model into a corresponding resource.
  • the above method sets the product category to which each product belongs, and sets the product resource calculation model that each product of the category is adapted to under different product channels, so that the product category to which the corresponding product belongs can be determined according to the product identifier, and then according to the product
  • the channel determines the product resource calculation model matched with the product under the corresponding product channel, so that the product resource calculation model suitable for each product that needs to perform resource management value calculation can be queried.
  • the method further includes a process of calculating a resource management score, as shown in FIG. 4, the process includes:
  • Step S402 Calculate, according to the initial value of the resource, the resource proportion of each second product information for all the second product information having the same product identifier and the channel identifier.
  • the initial value of each resource under the same product product and the same product channel in the second product information may be calculated and the total value of the resource is Divided, the resulting quotient is the proportion of resources for each second product information.
  • This resource share is used to reflect the proportion of resources of each user of the escrow organization in the same channel for transactions of the same product.
  • Step S404 calculating a resource management score of each second product information according to the resource proportion and the corresponding resource management value.
  • the computer device may multiply the resource ratio by a corresponding resource management value, and the calculated product is a resource management score corresponding to the second product information.
  • Step S406 the resource management score is written into the second product information table.
  • the computer device may create a corresponding resource management score field in the second product information table, thereby adding a resource management score to each second product information, and writing the calculated resource management score to the second product.
  • the corresponding position in the information table is used to complete the calculation of the compensation received for each user.
  • the method further includes transmitting the resource management score to the user terminal associated with the user identification in the second product information.
  • the resource management score By transmitting the resource management score to the user terminal of the corresponding user, the user can obtain the resource management score obtained by the host in the transaction of the transaction product commissioned by itself.
  • the method further includes: receiving an acknowledgement instruction for the total value of the resource sent by the management terminal, and performing step S402 described above according to the confirmation instruction.
  • the computer device may send a confirmation request to the corresponding management terminal after generating the total resource value, where the confirmation request includes information about the total resource value that the administrator needs to confirm.
  • the administrator sends an acknowledgement instruction to the computer device through the management terminal to complete the confirmation of the calculated total resource value, and then triggers the calculation process of the resource management score according to the confirmation instruction.
  • the method further includes: querying, according to the product identifier and the product channel in each first product information, an organization identifier associated with each first product information; and the first product to be associated with the same organization identifier
  • the resource management values in the information are superimposed to generate the institutional resource management values of the corresponding branches.
  • the computer device also presets an association between the organization identifier and the product identifier and the product channel for uniquely identifying the branch office. This association is used to characterize each branch's corresponding product or owned user.
  • the association relationship may exist in the form of an association relationship table, as shown in Table 1 below, which is an association relationship between one of the organization identifiers and a part of the investment products.
  • each product identifier can be queried, and the associated organization identifiers under different product channels can further determine the branch to which the corresponding product belongs.
  • the computer device may traverse the first product information in the resource calculation record table, identify the organization identifier associated with each first product information, and summarize the total resource values in the first product information associated with the same organization identifier, each of which will be The aggregated total value of the resources is superimposed and summed, and the total value of the institutional resources acquired by the corresponding branch institution is calculated, and the calculation of the total value of the institutional resources acquired by each branch institution is further realized.
  • a resource processing device for an investment product comprising:
  • the first product information obtaining module 502 is configured to obtain first product information in the resource total value table, where the first product information includes a product identifier, a product channel, and a total resource value.
  • the status detection module 504 is configured to detect, according to a preset resource processing frequency corresponding to each product channel, whether the corresponding first product information is current pending information.
  • the first product information writing module 506 is configured to write the first product information determined to be current pending information into the resource calculation record table.
  • the resource management value calculation module 508 is configured to read each first product information in the resource calculation record table according to the preset asynchronous calculation task, and determine a product resource calculation model that matches the first product information according to the product channel and the product identifier. The total resource value is input into the matching calculation model for calculation, and the resource management value is generated.
  • another resource processing device for an investment product is provided, the device further comprising:
  • the information synchronization module 510 is configured to synchronize the second product information in the first product information table of the data center to the second product information table, where each product information includes a user identifier, a product identifier, a resource initial value, and field information of the product channel. .
  • the resource total value table generating module 512 is configured to superimpose the initial values of the resources having the same product channel and the product identifier in the second product information in the second product information table, and generate resources of each of the same product channels and product identifiers. Total value; writes the total value of the resource to the default resource total value table.
  • a resource processing device for another investment product comprising:
  • the asynchronous computing task generating module 514 is configured to set each first product information in the resource calculation record table to a state to be calculated; and call the system timing task to generate a corresponding asynchronous computing task for each first product information of the state to be calculated, The corresponding first product information is set to the in-state state.
  • the resource management value calculation module 508 is further configured to: read, according to each asynchronous computing task, the corresponding first product information in the calculation state in the resource calculation record table; after generating the resource management value, set the first product information to be calculated. .
  • the product channel includes a channel and a direct sales
  • the resource management value calculation module 508 is further configured to determine, for each first product information, a product category to which the corresponding product belongs according to the product identifier therein; In the channel, obtain the product resource calculation model that matches the product category in the channel situation; when the product channel is direct sales, obtain the product resource calculation model that matches the product category in the direct sales situation,
  • a resource processing device for another investment product comprising:
  • the resource management score generation module 516 is configured to calculate, according to the initial value of the resource, the resource proportion of each second product according to the second product information of the same product identifier and the channel identifier; according to the resource ratio and the corresponding The resource management value calculates a resource management score of each second product information; and writes the resource management score into the second product information table.
  • Each of the above-described devices may be implemented in whole or in part by software, hardware, and combinations thereof.
  • Each of the above modules may be embedded in or independent of the processor in the computer device, or may be stored in a memory in the computer device in a software form, so that the processor invokes the operations corresponding to the above modules.
  • the processor can be a central processing unit (CPU), a microprocessor, a microcontroller, or the like.
  • one or more non-transitory computer readable storage media containing computer readable instructions are provided that, when executed by one or more processors, cause the processor to perform the various implementations described above The steps of the resource processing method of the investment product provided by the example.
  • the computer readable instructions are executed by the processor to: obtain the first product information in the resource total value table, where the first product information includes a product identifier, a product channel, and a total resource value; and the pre-corresponding to each product channel Setting a resource processing frequency, detecting whether the corresponding first product information is current pending information; writing the first product information determined to be current pending information into the resource calculation record table; and reading the resource calculation according to the preset asynchronous computing task
  • Each first product information in the record table is determined, and a product resource calculation model matching the first product information is determined according to the product channel and the product identifier, and the total resource value is input into the matching calculation model to calculate, and the resource management value is generated.
  • the method when the computer readable instructions are executed by the processor, before implementing the acquiring the first product information in the resource total value table, the method further comprises the step of: synchronizing the first information in the first product information table of the data center
  • the second product information includes a user identifier, a product identifier, a resource initial value, and field information of the product channel; and the second product information in the second product information table has the same product
  • the resource initial values of the channel and product identifier are superimposed to generate the total resource value of each of the same product channel and product identifier; the total resource value is written into the preset resource total value table.
  • the method when the computer readable instructions are executed by the processor, after the first product information determined to be the current to-be-processed information is implemented in the resource calculation record table, the method further includes the following steps: calculating the resource calculation record Each first product information in the table is set to a state to be calculated; detecting whether a field of the total resource value in the first product information of each state to be calculated is empty; when not empty, invoking a system timing task for each to-be The first product information of the calculation state generates a corresponding asynchronous computing task, and the corresponding first product information is modified to a calculated state.
  • the computer readable instructions are executed by the processor to read each of the first product information in the resource calculation record table according to the preset asynchronous computing task, including: reading the corresponding information in the record table according to each asynchronous computing task The first product information in the calculated state; after implementing the generating the resource management value, further comprising the step of implementing the modification of the first product information to the calculation completion state.
  • the product channel includes a channel and a direct sales
  • the computer readable instructions are determined by the processor to determine a product resource calculation model that matches the first product information based on the product channel and the product identification, including: for each The first product information determines the product category to which the corresponding product belongs according to the product identifier; when the product channel is a channel, the product resource calculation model matching the product category in the channel case is obtained; when the product channel is In direct sales, obtain a product resource calculation model that matches the product category in the direct sales situation.
  • the method when the computer readable instructions are executed by the processor, after implementing the generating the resource management value, the method further comprises the step of: for all the second product information having the same product identifier and the channel identifier, according to the resources therein The initial value calculates the resource proportion of each second product; according to the resource proportion and the corresponding resource management value, the resource management score of each second product information is calculated; and the resource management score is written into the second product information In the table.
  • a computer apparatus including a memory and a processor, the memory storing computer readable instructions, and when executed by the processor, causing the processor to execute the resources of the investment product provided by the foregoing embodiments The steps of the processing method.
  • the computer device can be a terminal or a server. As shown in FIG. 9, an internal structure diagram of the computing device is provided.
  • the computer device includes a processor, memory, and network interface coupled by a system bus.
  • the processor is used to provide computing and control capabilities to support the operation of the entire computer device.
  • the memory is used to store data, instruction code, and the like. At least one computer readable instruction is stored on the memory, the computer readable instructions being executable by the processor to implement a resource processing method for an investment product of the computer device provided in the embodiments of the present application.
  • the memory may include a non-volatile storage medium such as a magnetic disk, an optical disk, a read-only memory (ROM), or a random storage memory (Random-Access-Memory, RAM).
  • the memory includes a non-volatile storage medium and an internal memory.
  • the non-volatile storage medium stores an operating system, a database, and computer readable instructions.
  • the database stores data related to the resource processing method for implementing an investment product provided by the above various embodiments, for example, a resource total value table may be stored.
  • the computer readable instructions are executable by a processor for implementing a resource processing method for an investment product provided by the various embodiments above.
  • the internal memory provides a cached operating environment for operating systems, databases, and computer readable instructions in a non-volatile storage medium.
  • the network interface may be an Ethernet card or a wireless network card, etc., for communicating with an external terminal or server, such as sending the generated resource management value to a preset management terminal.
  • the computer device is a server, it can also be implemented by a separate server or a server cluster composed of multiple servers.
  • FIG. 9 is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation of the computer device to which the solution of the present application is applied.
  • the specific computer device may It includes more or fewer components than those shown in the figures, or some components are combined, or have different component arrangements.
  • the processor executes the program, the following steps are performed: acquiring first product information in the resource total value table, where the first product information includes a product identifier, a product channel, and a total resource value; and corresponding to each product channel The preset resource processing frequency, detecting whether the corresponding first product information is current pending information; writing the first product information determined to be current pending information into the resource calculation record table; reading according to the preset asynchronous computing task
  • Each first product information in the resource calculation record table determines a product resource calculation model that matches the first product information according to the product channel and the product identifier, and inputs the total resource value into the matching calculation model to generate a resource management value.
  • the method when the processor executes the program, before implementing the acquiring the first product information in the resource total value table, the method further includes: implementing the following steps: synchronizing the second product information in the first product information table of the data center to In the second product information table, the second product information includes a user identifier, a product identifier, a resource initial value, and field information of the product channel; and the second product information in the second product information table has the same product channel and product identifier.
  • the initial values of the resources are superimposed to generate the total value of resources for each of the same product channels and product identifiers; the total value of the resources is written into the preset resource total value table.
  • the method further includes the following steps: calculating each of the resources in the record table
  • the first product information is set to a state to be calculated; the field of the total resource value in the first product information of each state to be calculated is detected to be empty; when not empty, the system timing task is called for each state to be calculated.
  • a product information generates a corresponding asynchronous computing task, and the corresponding first product information is modified to a calculated state.
  • the first product information in the resource calculation record table is read by the processor according to the preset asynchronous calculation task when the processor executes the program, including: reading the resource calculation record table according to each asynchronous calculation task, and correspondingly calculating in the calculation table The first product information of the state; after implementing the generating the resource management value, further comprising the step of implementing the modification of the first product information to the calculation completion state.
  • the product channel includes a channel and a direct sales
  • the product resource calculation model that matches the first product information is determined according to the product channel and the product identifier implemented by the processor when executing the program, including: information for each first product According to the product identification, the product category to which the corresponding product belongs is determined; when the product channel is a channel, the product resource calculation model matching the product category in the channel case is obtained; when the product channel is direct sales, the acquisition is at Product resource calculation model for product category matching under direct sales,
  • the method when the processor executes the program, after implementing the generating the resource management value, the method further includes: implementing, for all the second product information having the same product identifier and the channel identifier, according to the initial value of the resource therein The resource ratio of each second product is calculated; the resource management score of each second product information is calculated according to the resource ratio and the corresponding resource management value; and the resource management score is written into the second product information table.
  • Non-volatile memory can include read only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory.
  • Volatile memory can include random access memory (RAM), which acts as an external cache.
  • RAM is available in a variety of forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), dual data rate SDRAM (DDR SDRAM), enhanced SDRAM (ESDRAM), synchronization.
  • SRAM static RAM
  • DRAM dynamic RAM
  • SDRAM synchronous DRAM
  • DDR SDRAM dual data rate SDRAM
  • ESDRAM enhanced SDRAM
  • SLDRAM Link (Synchlink) DRAM
  • SLDRAM Memory Bus
  • Rambus Direct RAM
  • RDRAM Direct Memory Bus Dynamic RAM
  • RDRAM Memory Bus Dynamic RAM

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Abstract

一种投资产品的资源处理方法，包括：获取资源总值表中的第一产品信息，所述第一产品信息中包含产品标识、产品渠道以及资源总值；根据每个产品渠道对应的预设资源处理频率，检测相应的第一产品信息是否为当前待处理信息；将判定为当前待处理信息的第一产品信息写入资源计算记录表中；按照预设的异步计算任务读取所述资源计算记录表中的每个第一产品信息，根据产品渠道和产品标识确定与第一产品信息相匹配的产品资源计算模型，将资源总值输入匹配的计算模型中进行计算，生成资源管理值。

Description

投资产品的资源处理方法、装置、存储介质和计算机设备
本申请要求于2017年8月16日提交中国专利局、申请号为2017107025893、发明名称为“投资产品的资源处理方法、装置、存储介质和计算机设备”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及信息处理技术领域，特别是涉及一种投资产品的资源处理方法、装置、存储介质和计算机设备。
背景技术
随着生活水平的提高，人们投资理财观念也逐渐加强，越来越多的用户开始委托托管机构来购买投资产品。托管机构根据用户的委托交易信息进行相应的处理，以实现对用户资产的保值和/或分散风险。交易信息中包含待交易投资产品以及待交易的资源，托管机构在根据交易信息进行对投资产品的处理时，需要获取其中的一部分的资源，所获取的资源的数值即为资源管理值，以作为委托交易的报酬。
由于托管机构的用户基数大，可委托购买的投资产品的种类众多，并且每个用户委托交易的投资产品比较分散，不同的投资产品的资源获取规则不一定相同，因而传统的对投资产品的资源处理方法都需要员工手动参与其中，对应当获取的资源进行人工计算，而这种传统的人工计算的方法对投资产品的资源处理效率低下。
发明内容
根据本申请的各种实施例，提供一种投资产品的资源处理方法、装置、存储介质和计算机设备。
一种投资产品的资源处理方法，所述方法包括：获取资源总值表中的第一产品信息，所述第一产品信息中包含产品标识、产品渠道以及资源总值；根据每个产品渠道对应的预设资源处理频率，检测相应的第一产品信息是否为当前待处理信息；将判定为当前待处理信息的第一产品信息写入资源计算记录表中；及按照预设的异步计算任务读取所述资源计算记录表中的每个第一产品信息，根据产品渠道和产品标识确定与第一产品信息相匹配的产品资源计算模型，将资源总值输入匹配的计算模型中进行计算，生成资源管理值。
一种投资产品的资源处理装置，所述装置包括：第一产品信息获取模块，用于获取资源总值表中的第一产品信息，所述第一产品信息中包含产品标识、产品渠道以及资源总值；状态检测模块，用于根据每个产品渠道对应的预设资源处理频率，检测相应的第一产品信息是否为当前待处理信息；第一产品信息写入模块，用于将判定为当前待处理信息的第一产品信息写入资源计算记录表中；及资源管理值计算模块，用于按照预设的异步计算任务 读取所述资源计算记录表中的每个第一产品信息，根据产品渠道和产品标识确定与第一产品信息相匹配的产品资源计算模型，将资源总值输入匹配的计算模型中进行计算，生成资源管理值。
一种计算机设备，包括存储器和处理器，所述存储器中存储有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述处理器本申请任意一种投资产品的资源处理方法的步骤。
一个或多个存储有计算机可读指令的非易失性计算机可读存储介质，当所述计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行本申请任意一种投资产品的资源处理方法的步骤。
本申请的一个或多个实施例的细节在下面的附图和描述中提出。本申请的其它特征、目的和优点将从说明书、附图以及权利要求书变得明显。
附图说明
为了更清楚地说明本申请实施例中的技术方案，下面将对实施例描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1为一个实施例中投资产品的资源处理方法的流程图；
图2为一个实施例中资源总值表的生成的过程的流程图；
图3为一个实施例中根据产品渠道和产品标识确定与第一产品信息相匹配的产品资源计算模型的步骤的流程图；
图4为一个实施例中对资源管理分值的计算过程的流程图；
图5为一个实施例中投资产品的资源处理装置的结构框图；
图6为另一个实施例中投资产品的资源处理装置的结构框图；
图7为又一个实施例中投资产品的资源处理装置的结构框图；
图8为再一个实施例中投资产品的资源处理装置的结构框图；
图9为一个实施例中计算机设备的内部结构图。
具体实施方式
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
可以理解，本申请所使用的术语“第一”、“第二”等可在本文中用于描述各种元件，但这些元件不受这些术语限制。这些术语仅用于将第一个元件与另一个元件区分。举例来说，在不脱离本申请的范围的情况下，可以将第一产品信息称为第二产品信息，且类似地， 可将第二产品信息称为第一产品信息。第一产品信息和第二产品信息两者都是产品信息，但两个产品信息中所包含的具体字段内容不一定相同。
在一个实施例中，如图1所示，提供了一种投资产品的资源处理方法，本实施例以该方法可应用于计算机设备进行说明。该计算机设备可为服务器或终端等设备，该方法包括：
步骤S102，获取资源总值表中的第一产品信息，第一产品信息中包含产品标识、产品渠道以及资源总值。
计算机设备上预先设置资源总值表，该资源总值表中存储了多份第一产品信息。该产品可包括但不限于股票、债券、基金、保险、期货等为投资产品。每份第一产品信息中可包含对应产品的产品标识、产品渠道以及产品的资源总值等基本的字段信息，还可包括产品的产品名称、购买了该产品的交易用户的用户数量等与该产品的信息相关的其它字段信息。其中，产品标识用于唯一标识对应的产品，由预设位数的字母、数字或其它字符所构成，可为产品的产品代码。产品渠道用于表示用户交易该产品的渠道信息，产品渠道的类型包括直销和通道。直销类型表示用户是从该委托机构的分支机构或中心机构等直接交易的产品；通道类型表示用户是从该委托机构的代理商处间接交易的产品。相同的产品，在不同的渠道下，其资源的获取规则不同。资源总值用于表示所汇总的在预设时间段内，在所有用户在每个相同类型的渠道中交易的产品的资源初始值。
举例来说，存在两份第一产品信息，其一的产品标识为标识A，资源类型为直销，资源总值为数值A；其二的产品标识为标识B，资源类型为通道，资源总值为数值B。即其一的第一产品信息表示针对标识A的产品，汇总在直销类型下，该产品的资源总值；其二的第一产品，表示针对相同的标识A的产品，汇总在通道类型下，该产品的资源总值。
在一个实施例中，计算机设备可在该资源总值表中，按行或按列来存储每一份第一产品信息。并按照预设的第一资源处理频率来扫描获取该资源总值表中的每份第一产品信息。其中，该第一资源处理频率为根据每个产品的第二资源处理频率所确定的最小公约频率。不同产品和/或不同渠道的资源处理频率不一定相同。比如，当汇总所有的产品的资源处理频率包括按月处理和按季度处理时，可计算出该两种资源处理频率的最小公约频率为每月处理一次，并将该每月处理一次的频率设置为对资源总值表的第一资源处理频率。
步骤S104，根据每个产品渠道对应的预设资源处理频率，检测相应的第一产品信息是否为当前待处理信息。
每个产品渠道对应的预设资源处理频率即为上述第二资源处理频率。计算机设备可预先设置了每个产品标识和/或产品渠道与其中一种资源处理频率之间的对应关系，根据该对应关系，可确定每份第一产品信息的资源处理频率。计算机设备可检测当前的根据每个产品渠道对应的预设资源处理频率，确定对应产品的资源处理时间，并检测获取的该产品的第一产品信息的系统时间是否为该资源处理时间，若是，则判定该第一产品信息为当前待处理信息，并保留获取的第一产品信息否则，判定不为当前待处理信息，舍弃该第一产品信息。
举例来说，若当前的系统时间为月初，且非季度月的月初，比如5月初。若某一产品的资源处理频率为每月处理一次或每日处理一次，则可判定该产品的第一产品信息为当前待处理信息，并保留该第一产品信息；若其资源处理频率为每季度或每年处理一次，则判定该产品的第一产品信息不为当前待处理信息，则舍弃所获取的第一产品信息。
步骤S106，将判定为当前待处理信息的第一产品信息写入资源计算记录表中。
计算机设备还预先设置了资源计算记录表，该资源计算记录表用于存储当前待处理的第一产品信息。当判定所获取的第一产品信息为当前待处理信息时，可将该第一产品信息写入资源计算记录表中。同样地，可将该第一产品信息的每个字段信息按行或按列写入该资源计算记录表中，所写入的每份第一产品的产品信息也包含上述的产品标识、产品渠道以及资源总值等字段信息。
计算机设备针对每份第一产品数据均进行相应的判定，并将每份判定为当前待处理的第一产品信息写入资源计算记录表中，以使得后续对该记录表中的第一产品信息进行处理。
步骤S108，按照预设的异步计算任务读取资源计算记录表中的每个第一产品信息，根据产品渠道和产品标识确定与第一产品信息相匹配的产品资源计算模型，将资源总值输入匹配的计算模型中进行计算，生成资源管理值。
计算机设备针对写入资源计算记录表中的每份第一产品信息，分别设置了对应的异步计算任务，该异步计算任务为用于启动对资源管理值的生成的任务。可设置相应的异步计算任务队列，该队列中存储了每个待处理的异步计算任务。当检测到对异步计算任务的任务启动的触发指令时，从该异步任务队列中异步提取一个或几个异步计算任务，根据该异步计算任务与资源计算记录表中的每个第一产品信息的对应关系，获取相应的第一产品信息，并根据该第一产品信息中的产品渠道和产品标识，确定与该第一产品信息相匹配的产品资源计算模型。
其中，不同的产品，在不同的渠道下，其资源计算模型不一定相同。计算机设备预先设置了多种产品资源计算模型，针对每种资源计算模型所适用的产品及其渠道，建立了与每个适用的产品标识和产品渠道的对应关系，根据该对应关系，可确定与每个第一产品信息相匹配的产品资源计算模型。并将该第一产品信息中的资源总值设置为对应产品资源计算模型的输入，触发对该产品资源计算模型的计算指令，输出该相应产品的资源管理值。
在一个实施例中，资源总值可包括多种类型资源的数值，所输出的资源管理值也可包含多个数值，每个数值对应多种资源的管理类型。举例来说，资源的管理类型可包括基础管理资源、销售服务资源、浮动管理资源、初始资源、解约资源、佣金、业绩折标、应收申购资源、应收赎回资源、应付管理资源、通道业务管理资源、业绩报酬、申购资源、认购资源以及赎回资源等。每个产品资源计算模型中可包含上述多种类型的管理资源中的一种或几种的输出。
上述的投资产品的资源处理方法，通过从资源总值表中对每份第一产品信息进行是否 为当前待处理信息的判定，并从该资源总值表中提取判定为当前待处理信息的第一产品信息，将其写入资源计算记录表中，使得在资源记录表中存储当前需要进行处理的每份第一产品信息。并再根据对该资源记录表中的每份第一产品信息所设置的异步计算任务来读取其中的第一产品信息，根据其中的产品渠道和产品标识确定与第一产品信息相匹配的产品资源计算模型，将资源总值输入匹配的计算模型中进行计算，生成资源管理值。从而实现了自动化地对资源管理值的计算，降低了人工的参与度，提高了对投资产品的资源处理效率。
在一个实施例中，上述方法还包括资源总值表的生成的过程，该过程可在上述的步骤S102之前执行。如图2所示，该包括：
步骤S202，同步数据中心的第一产品信息表中的第二产品信息至第二产品信息表中，第二产品信息包括用户标识、产品标识、资源初始值和产品渠道的字段信息。
第一产品信息表和第二产品信息表中存储的第二产品信息均是每个用户的用户产品信息。可为当前周期下的每个用户的用户产品信息。托管机构的每个分支机构均将其用户产品信息存储至数据中心的第一产品信息表中。计算机设备通过将数据中心的第一产品信息表中的第二产品信息同步至第二产品信息表，该第二产品信息表可存储在计算机设备的存储器中，通过这种同步，使得无需从数据中心中对第一产品信息表进行频繁地处理，而只需要对同步后的第二产品信息表进行数据处理。每份第二产品信息包括用户标识、产品标识、资源初始值和产品渠道等字段信息。用户标识用于唯一标识一个用户，资源初始值可为该用户对相应的产品的用于进行后续计算的资源数值。第一产品信息表和第二产品信息表均可包括用户的交易确认表和历史份额表，还可包括每种产品的产品行情表。
在一个实施例中，计算机设备可调用与数据中心进行数据同步的接口，按照预设的TJS程序EGIS_TJS_CsdcToOpms_job同步数据中心中，第一产品信息表中的第二产品信息，将其同步至计算机设备中的第二产品信息表中。
步骤S204，将第二产品信息表中的第二产品信息中，具有相同的产品渠道和产品标识的资源初始值进行叠加，生成每个相同产品渠道和产品标识的资源总值。
计算机设备可检测所有第二产品信息中，产品标识和产品渠道是否相同，并分别汇总每份具有相同的产品标识和产品渠道的第二产品信息中的资源初始值，调用预设的累加器或加法器等计算工具，对每份汇总的资源初始值进行叠加，生成的叠加和即为相应的每个产品在每种产品标识下的资源总值。
举例来说，当存在相同的产品标识A与产品渠道A的第二产品信息包含100个时，可汇总该100个第二产品信息中的资源初始值，并对该100个资源初始值进行求和，生成资源总值，并建立该资源总值与对应的产品标识和产品渠道的关联关系。
步骤S206，将资源总值写入预设的资源总值表中。
在初始时刻，资源总值表中所存储的每份第一产品信息中的资源总值的字段为空，在 计算出一个资源总值后，可查询该资源总值对应的产品标识和产品渠道，并将该资源总值写入资源总值表中，具有相同产品标识和产品渠道的第一产品信息中的资源总值字段之中。
通过对每个资源总值进行相应的查询和写入，直至完成对所有计算出的资源总值的写入，从而使得将所需计算的第一产品信息均完整地写入了该资源总值表中，实现了对所有产品的资源总值的写入。
通过同步数据中心中同步第二产品信息，从而无需对数据中心中的产品信息表进行频繁地访问，转而在第二产品信息表中进行第二产品信息处理，提高了数据处理速度。同时，将每个具有相同的产品渠道和产品标识的资源初始值进行叠加，将生成的资源总值写入资源总值表中，实现了对实现了对所有产品的资源总值的写入，从而后续可根据该第一产品信息中的资源总值进行资源处理。
在一个实施例中，在步骤S106之后，还包括：将资源计算记录表中的每个第一产品信息设置为待计算状态；检测每个待计算状态的第一产品信息中资源总值的字段是否为空，当不为空时，调用系统定时任务对待计算状态的第一产品信息生成对应的异步计算任务，将相应的第一产品信息修改为计算中状态。
计算机设备还可对资源计算记录表中的每份第一产品信息设置相应的计算状态，并将每份第一产品信息的计算状态设置为待计算状态。计算状态分别包括待计算状态、计算中状态以及计算完成状态。通过对每份第一产品信息设置计算状态，使得可随时根据该计算状态来确定相应的第一产品信息的处理进展以及整个资源计算记录表中的第一产品信息的处理进展。
计算机设备在完成对每份第一产品信息的状态设置之后，可进一步检测其中的每个第一产品信息中资源总值的字段是否为空，若是，则说明不存在与该第一产品对应的资源总值，从而可不对该第一产品信息进行处理。当不为空时，则可调用系统定时任务对待计算状态的第一产品信息生成对应的异步计算任务，并将相应的第一产品信息修改为计算中状态。其中，该系统定时任务为预设的用于生成该异步计算任务的系统任务，比如可为generateCalculationFeeTaskAction任务。
在每生成一个异步计算任务后，可将该异步计算任务插入到相应的异步计算任务列表中，并针对所生成的异步计算任务，设置该任务与相应的第一产品信息之间的对应关系，使得计算机设备或由其它设备在读取该列表中的异步计算任务时，根据该对应关系，获取相应的第一产品信息进行任务处理。
按照预设的异步计算任务读取资源计算记录表中的每个第一产品信息，包括：按照每个异步计算任务读取资源计算记录表中对应的处于计算中状态的第一产品信息；在生成资源管理值之后，还包括：将第一产品信息修改为计算完成状态。
在一个实施例中计算机设备或其它与计算机设备关联的、用于进行异步计算任务处理 的设备可读取该列表中的异步计算任务，根据所建立的对应关系，从该资源计算记录表中读取相应的第一产品信息，并同时修改资源计算记录表中被读取的第一产品信息的状态为计算中状态，以标识正在对该第一产品信息进行相应的处理。并在完成资源管理值的输出时，修改其状态为计算完成状态。并进行对下一个异步计算任务的执行，直至完成所有的异步计算任务。
该算机设备或其它设备可在接收到管理终端所发送的进行异步计算任务处理的指令时，开始执行列表中的待处理的异步计算任务。或者还可在系统处于空闲状态时，比如当检测到系统的CPU利用率小于预设利用率，和/或内存占用率小于预设占用率时，自动开始执行该异步计算任务。并且该算机设备或其它设备可按照预设的线程数量，同时执行一个或多个异步计算任务，以提高对资源管理值的计算效率。
在一个实施例中，产品渠道包括通道和直销，如图3所示，根据产品渠道和产品标识确定与第一产品信息相匹配的产品资源计算模型，包括：
步骤S302，针对每个第一产品信息，根据其中的产品标识确定相应的产品所属的产品类别。
不同的产品需要对应的计算模型不一定相同，且不同类别的投资产品本身对应的产品资源计算模型也不一定相同。
计算机设备预设了每种投资产品所属的产品类别，并建立了每种投资产品的产品标识与所属产品类别之间的对应关系。当提取出待计算资源管理值的第一产品信息后，可根据该第一产品信息中的产品标识与产品类别之间的对应关系，确定该第一产品信息对应的产品类别。
步骤S304，当其中的产品渠道为通道时，获取处于通道情形下的产品类别匹配的产品资源计算模型。
步骤S306，当其中的产品渠道为直销时，获取处于直销情形下的产品类别匹配的产品资源计算模型。
计算机设备在确定了第一产品信息中的投资产品所属的产品类别时，可进一步根据其中的产品渠道来确定与之相匹配的产品资源计算模型。分别建立了每个产品种类中，在产品渠道为通道时，所匹配的产品资源计算模型，以及在产品渠道为直销时，所匹配的产品资源计算模型，根据该匹配的产品资源计算模型来实现对相应投资产品的资源管理值的计算。
在一个实施例中，预设的产品种类可包括个托开放式产品、个托封闭式产品、团托开放式产品、个托封闭式产品、资管产品、资管专户产品以及帐管理财产品等其中的一种或几种。资源的管理值的管理类型可包括基础管理资源、销售服务资源、浮动管理资源、初始资源、解约资源、佣金、业绩折标、应收申购资源、应收赎回资源、应付管理资源、通道业务管理资源、业绩报酬、申购资源、认购资源以及赎回资源等。每个产品资源计算模型中可包含上述多种类型的管理资源中的一种或几种的输出。每种管理类型分别对应一种 具体的子计算模型，每种产品种类所需计算的资源管理值分别对应其中的一种或几种管理类型。计算机设备可分别建立了每个产品种类和所需计算的几种管理类型的子计算模型之间的关联关系，并根据该几种子计算模型，封装成该产品种类的对应产品资源计算模型。即每个产品资源计算模型中，包含对应类型的产品所需计算的几种管理类型的子计算模型。
举例来说，资源总值表中的第一产品信息包含1000份，根据该1000份第一产品信息中的产品标识，判定根据归属于资管产品种类的第一产品信息包含2000份。在该2000份归属于资管产品的第一产品信息中，产品渠道为通道的第一产品信息包括500份，产品渠道为直销的第一产品信息包括1500份。则确定该500份的第一产品信息对应的需要计算的资源管理值的类型包括通道业务管理资源；该1500份的第一产品信息对应的需要计算的资源管理值包括基础管理资源、申购资源、认购资源、赎回资源、佣金以及业绩折标。并分别根据该所需计算的资源管理值的类型，确定相应第一产品的子计算模型，获取由该子计算模型封装成对应的资源计算模型。
上述方法通过设置每个产品所属的产品类别，并设置每个类别的产品在不同产品渠道下所适应的产品资源计算模型，从而可根据产品标识确定相应的产品所属的产品类别，再根据该产品渠道来确定在对应产品渠道下，与该产品所匹配的产品资源计算模型，使得可对每个需要进行资源管理值计算的产品，查询出与之相适应的产品资源计算模型。
在一个实施例中，在步骤S108之后，上述方法还包括对资源管理分值的计算过程，如图4所示，该过程包括：
步骤S402，针对所有具有相同产品标识和渠道标识的第二产品信息，根据其中的资源初始值计算出每个第二产品信息的资源占比。
在计算出每个投资产品，在每种产品渠道下的资源总值后，可将第二产品信息中表示相同的投资产品和相同产品渠道下的每个资源初始值，与该资源总值进行相除，所得到的商即为每个第二产品信息的资源占比。该资源占比用于反映托管机构的每个用户在在相同渠道下，对相同产品的交易的资源占比。
步骤S404，根据资源占比和相应的资源管理值，计算出每个第二产品信息的资源管理分值。
计算机设备可将该资源占比与相应的资源管理值进行相乘，所计算出的乘积即为对应第二产品信息的资源管理分值。
步骤S406，将资源管理分值写入第二产品信息表中。
计算机设备可在第二产品信息表中创建相应的资源管理分值字段，从而为每份第二产品信息增加一个资源管理分值，并将所计算出的资源管理分值写入该第二产品信息表中相应的位置处，以完成对每个用户所收取的报酬的计算。
在步骤S406之后，还包括将资源管理分值发送至与第二产品信息中的用户标识关联 的用户终端。通过将该资源管理分值发送至相应用户的用户终端，可使得用户获取托管对自身委托的交易产品进行交易中，所获取的资源管理分值。
在一个实施例中，在步骤S402之前还包括：接收管理终端发送的对资源总值的确认指令，根据确认指令执行上述的步骤S402。
其中，计算机设备可在生成资源总值后，向相应的管理终端发送确认请求，该确认请求中包含了相应的管理员所需确认的资源总值的信息。使得管理员在检测计算无误后，通过管理终端向计算机设备发送确认指令，以完成对所计算出的资源总值的确认，进而根据该确认指令触发对资源管理分值的计算过程。
在一个实施例中，在步骤S108之后，还包括：根据每个第一产品信息中的产品标识和产品渠道，查询每个第一产品信息关联的机构标识；将关联相同机构标识的第一产品信息中的资源管理值进行叠加，生成相应分支机构的机构资源管理值。
计算机设备中还预设了托管机构中，每个用于唯一标识分支机构的机构标识和产品标识以及产品渠道之间的关联关系。该关联关系用于表征每个分支机构对应负责交易的产品或者所拥有的用户。该关联关系可以关联关系表的形式存在，如下表1所示，为其中一个机构标识与部分投资产品的关联关系表。
表1 机构标识与部分投资产品的关联关系表
机构标识 产品标识 产品渠道
机构标识A 产品标识1 直销
机构标识A 产品标识5 直销
机构标识A 产品标识7 直销
机构标识A 产品标识9 直销
机构标识A 产品标识38 直销
机构标识A 产品标识70 通道
通过从关联关系表中，可查询出每种产品标识，在不同的产品渠道下，所关联的机构标识，进而可确定对应的产品所归属的分支机构。
计算机设备可遍历该资源计算记录表中的第一产品信息，识别每个第一产品信息所关联的机构标识，并汇总关联到相同机构标识的第一产品信息中的资源总值，将每个汇总出的资源总值进行叠加求和，所计算出的即为对应分支机构所获取的机构资源总值，进一步实现了对每个分支机构所获取的机构资源总值的计算。
在一个实施例中，如图5所示，提供了一种投资产品的资源处理装置，该装置包括：
第一产品信息获取模块502，用于获取资源总值表中的第一产品信息，第一产品信息中包含产品标识、产品渠道以及资源总值。
状态检测模块504，用于根据每个产品渠道对应的预设资源处理频率，检测相应的第一产品信息是否为当前待处理信息。
第一产品信息写入模块506，用于将判定为当前待处理信息的第一产品信息写入资源计算记录表中。
资源管理值计算模块508，用于按照预设的异步计算任务读取资源计算记录表中的每个第一产品信息，根据产品渠道和产品标识确定与第一产品信息相匹配的产品资源计算模型，将资源总值输入匹配的计算模型中进行计算，生成资源管理值。
在一个实施例中，如图6所示，提供了另一种投资产品的资源处理装置，该装置还包括：
信息同步模块510，用于同步数据中心的第一产品信息表中的第二产品信息至第二产品信息表中，每个产品信息包括用户标识、产品标识、资源初始值和产品渠道的字段信息。
资源总值表生成模块512，用于将第二产品信息表中的第二产品信息中，具有相同的产品渠道和产品标识的资源初始值进行叠加，生成每个相同产品渠道和产品标识的资源总值；将资源总值写入预设的资源总值表中。
在一个实施例中，如图7所示，提供了又一种投资产品的资源处理装置，该装置还包括：
异步计算任务生成模块514，用于将资源计算记录表中的每个第一产品信息设置为待计算状态；调用系统定时任务对每个待计算状态的第一产品信息生成对应的异步计算任务，将相应的第一产品信息设置为计算中状态。
资源管理值计算模块508还用于按照每个异步计算任务读取资源计算记录表中对应的处于计算中状态的第一产品信息；在生成资源管理值之后，将第一产品信息设置为计算完成。
在一个实施例中，产品渠道包括通道和直销，资源管理值计算模块508还用于针对每个第一产品信息，根据其中的产品标识确定相应的产品所属的产品类别；当其中的产品渠道为通道时，获取处于通道情形下的产品类别匹配的产品资源计算模型；当其中的产品渠道为直销时，获取处于直销情形下的产品类别匹配的产品资源计算模型，
在一个实施例中，如图8所示，提供了再一种投资产品的资源处理装置，该装置还包括：
资源管理分值生成模块516，用于针对所有具有相同产品标识和渠道标识的第二产品信息，根据其中的资源初始值计算出每个第二产品的资源占比；根据资源占比和相应的资源管理值，计算出每个第二产品信息的资源管理分值；将资源管理分值写入第二产品信息表中。
上述装置中的各个模块可全部或部分通过软件、硬件及其组合来实现。上述各模块可以硬件形式内嵌于或独立于计算机设备中的处理器中，也可以以软件形式存储于计算机设备中的存储器中，以便于处理器调用执行以上各个模块对应的操作。该处理器可以为中央处理单元(CPU)、微处理器、单片机等。
在一个实施例中，提供了一个或多个包含计算机可读指令的非易失性计算机可读存储介质，当计算机可读指令被一个或多个处理器执行时，使得处理器执行上述各实施例所提供的投资产品的资源处理方法的步骤。
该计算机可读指令被处理器执行时实现以下步骤：获取资源总值表中的第一产品信息，第一产品信息中包含产品标识、产品渠道以及资源总值；根据每个产品渠道对应的预设资源处理频率，检测相应的第一产品信息是否为当前待处理信息；将判定为当前待处理信息的第一产品信息写入资源计算记录表中；按照预设的异步计算任务读取资源计算记录表中的每个第一产品信息，根据产品渠道和产品标识确定与第一产品信息相匹配的产品资源计算模型，将资源总值输入匹配的计算模型中进行计算，生成资源管理值。
在一个实施例中，该计算机可读指令被处理器执行时，在实现获取资源总值表中的第一产品信息之前，还包括实现以下步骤：同步数据中心的第一产品信息表中的第二产品信息至第二产品信息表中，第二产品信息包括用户标识、产品标识、资源初始值和产品渠道的字段信息；将第二产品信息表中的第二产品信息中，具有相同的产品渠道和产品标识的资源初始值进行叠加，生成每个相同产品渠道和产品标识的资源总值；将资源总值写入预设的资源总值表中。
在一个实施例中，该计算机可读指令被处理器执行时，在实现将判定为当前待处理信息的第一产品信息写入资源计算记录表中之后，还包括实现以下步骤：将资源计算记录表中的每个第一产品信息设置为待计算状态；检测每个待计算状态的第一产品信息中资源总值的字段是否为空；当不为空时，调用系统定时任务对每个待计算状态的第一产品信息生成对应的异步计算任务，将相应的第一产品信息修改为计算中状态。
该计算机可读指令被处理器执行时实现的按照预设的异步计算任务读取资源计算记录表中的每个第一产品信息，包括：按照每个异步计算任务读取资源计算记录表中对应的处于计算中状态的第一产品信息；在实现生成资源管理值之后，还包括实现将第一产品信息修改为计算完成状态的步骤。
在一个实施例中，产品渠道包括通道和直销，该计算机可读指令被处理器执行时所实现的根据产品渠道和产品标识确定与第一产品信息相匹配的产品资源计算模型，包括：针对每个第一产品信息，根据其中的产品标识确定相应的产品所属的产品类别；当其中的产品渠道为通道时，获取处于通道情形下的产品类别匹配的产品资源计算模型；当其中的产品渠道为直销时，获取处于直销情形下的产品类别匹配的产品资源计算模型，
在一个实施例中，该计算机可读指令被处理器执行时，在实现生成资源管理值之后，还包括实现以下步骤：针对所有具有相同产品标识和渠道标识的第二产品信息，根据其中的资源初始值计算出每个第二产品的资源占比；根据资源占比和相应的资源管理值，计算出每个第二产品信息的资源管理分值；将资源管理分值写入第二产品信息表中。
在一个实施例中，提供了一种计算机设备，包括存储器及处理器，存储器中储存有计 算机可读指令，指令被处理器执行时，使得处理器执行上述各实施例所提供的投资产品的资源处理方法的步骤。
该计算机设备可为终端或服务器，如图9所示，提供了该计算设备的一种内部结构示意图。该计算机设备包括通过系统总线连接的处理器、存储器和网络接口。其中，该处理器用于提供计算和控制能力，支撑整个计算机设备的运行。存储器用于存储数据、指令代码等。存储器上存储至少一个计算机可读指令，该计算机可读指令可被处理器执行，以实现本申请实施例中提供的适用于该计算机设备的投资产品的资源处理方法。存储器可包括磁碟、光盘、只读存储记忆体(Read-Only Memory，ROM)等非易失性存储介质，或随机存储记忆体(Random-Access-Memory，RAM)等。例如，在一个实施例中，存储器包括非易失性存储介质及内存储器。该非易失性存储介质存储有操作系统、数据库和计算机可读指令。该数据库中存储有用于实现以上各个实施例所提供的一种投资产品的资源处理方法相关的数据，比如可存储有资源总值表。该计算机可读指令可被处理器所执行，以用于实现以上各个实施例所提供的一种投资产品的资源处理方法。该内存储器为非易失性存储介质中的操作系统、数据库和计算机可读指令提供高速缓存的运行环境。网络接口可以是以太网卡或无线网卡等，用于与外部的终端或服务器进行通信，如将所生成的资源管理值发送至预设的管理终端。当该计算机设备为服务器时，还可由独立的服务器或者是多个服务器组成的服务器集群来实现。
本领域技术人员可以理解，图9中示出的结构，仅仅是与本申请方案相关的部分结构的框图，并不构成对本申请方案所应用于其上的计算机设备的限定，具体的计算机设备可以包括比图中所示更多或更少的部件，或者组合某些部件，或者具有不同的部件布置。
在一个实施例中，该处理器执行程序时实现以下步骤：获取资源总值表中的第一产品信息，第一产品信息中包含产品标识、产品渠道以及资源总值；根据每个产品渠道对应的预设资源处理频率，检测相应的第一产品信息是否为当前待处理信息；将判定为当前待处理信息的第一产品信息写入资源计算记录表中；按照预设的异步计算任务读取资源计算记录表中的每个第一产品信息，根据产品渠道和产品标识确定与第一产品信息相匹配的产品资源计算模型，将资源总值输入匹配的计算模型中进行计算，生成资源管理值。
在一个实施例中，该处理器执行程序时，在实现获取资源总值表中的第一产品信息之前，还包括实现以下步骤：同步数据中心的第一产品信息表中的第二产品信息至第二产品信息表中，第二产品信息包括用户标识、产品标识、资源初始值和产品渠道的字段信息；将第二产品信息表中的第二产品信息中，具有相同的产品渠道和产品标识的资源初始值进行叠加，生成每个相同产品渠道和产品标识的资源总值；将资源总值写入预设的资源总值表中。
在一个实施例中，该处理器执行程序时，在实现将判定为当前待处理信息的第一产品信息写入资源计算记录表中之后，还包括实现以下步骤：将资源计算记录表中的每个第一产品信息设置为待计算状态；检测每个待计算状态的第一产品信息中资源总值的字段是否 为空；当不为空时，调用系统定时任务对每个待计算状态的第一产品信息生成对应的异步计算任务，将相应的第一产品信息修改为计算中状态。
该处理器执行程序时实现的按照预设的异步计算任务读取资源计算记录表中的每个第一产品信息，包括：按照每个异步计算任务读取资源计算记录表中对应的处于计算中状态的第一产品信息；在实现生成资源管理值之后，还包括实现将第一产品信息修改为计算完成状态的步骤。
在一个实施例中，产品渠道包括通道和直销，该处理器执行程序时实现的根据产品渠道和产品标识确定与第一产品信息相匹配的产品资源计算模型，包括：针对每个第一产品信息，根据其中的产品标识确定相应的产品所属的产品类别；当其中的产品渠道为通道时，获取处于通道情形下的产品类别匹配的产品资源计算模型；当其中的产品渠道为直销时，获取处于直销情形下的产品类别匹配的产品资源计算模型，
在一个实施例中，该处理器执行程序时，在实现生成资源管理值之后，还包括实现以下步骤：针对所有具有相同产品标识和渠道标识的第二产品信息，根据其中的资源初始值计算出每个第二产品的资源占比；根据资源占比和相应的资源管理值，计算出每个第二产品信息的资源管理分值；将资源管理分值写入第二产品信息表中。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机可读指令来指令相关的硬件来完成。该计算机可读指令可存储在存储器上，比如存储于一非易失性计算机可读取存储介质中。该程序被执行时，可实现包括如上述各方法的实施例的流程。
本申请所使用的对存储器、存储、数据库或其它介质的任何引用可包括非易失性和/或易失性存储器。合适的非易失性存储器可包括只读存储器(ROM)、可编程ROM(PROM)、电可编程ROM(EPROM)、电可擦除可编程ROM(EEPROM)或闪存。易失性存储器可包括随机存取存储器(RAM)，它用作外部高速缓冲存储器。作为说明而非局限，RAM以多种形式可得，诸如静态RAM(SRAM)、动态RAM(DRAM)、同步DRAM(SDRAM)、双数据率SDRAM(DDR SDRAM)、增强型SDRAM(ESDRAM)、同步链路(Synchlink)DRAM(SLDRAM)、存储器总线(Rambus)直接RAM(RDRAM)、直接存储器总线动态RAM(DRDRAM)、以及存储器总线动态RAM(RDRAM)。
以上所述实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上所述实施例仅表达了本申请的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本申请构思的前提下，还可以做出若干变形和改进，这些都属于本申请的保护范围。因此，本申请专利的保护范围应以所附权利要求为准。

Claims (20)

  1. 一种投资产品的资源处理方法，所述方法包括：
    获取资源总值表中的第一产品信息，所述第一产品信息中包含产品标识、产品渠道以及资源总值；
    根据每个产品渠道对应的预设资源处理频率，检测相应的第一产品信息是否为当前待处理信息；
    将判定为当前待处理信息的第一产品信息写入资源计算记录表中；及
    按照预设的异步计算任务读取所述资源计算记录表中的每个第一产品信息，根据产品渠道和产品标识确定与第一产品信息相匹配的产品资源计算模型，将资源总值输入匹配的计算模型中进行计算，生成资源管理值。
  2. 根据权利要求1所述的方法，其特征在于，在所述获取资源总值表中的第一产品信息之前，还包括：
    同步数据中心的第一产品信息表中的第二产品信息至第二产品信息表中，所述第二产品信息包括用户标识、产品标识、资源初始值和产品渠道的字段信息；
    将所述第二产品信息表中的第二产品信息中，具有相同的产品渠道和产品标识的资源初始值进行叠加，生成每个相同产品渠道和产品标识的资源总值；及
    将所述资源总值写入预设的资源总值表中。
  3. 根据权利要求1所述的方法，其特征在于，在所述将判定为当前待处理信息的第一产品信息写入资源计算记录表中之后，还包括：
    将所述资源计算记录表中的每个第一产品信息设置为待计算状态；
    检测每个待计算状态的第一产品信息中资源总值的字段是否为空；及
    当不为空时，调用系统定时任务对每个待计算状态的第一产品信息生成对应的异步计算任务，将相应的第一产品信息修改为计算中状态；
    所述按照预设的异步计算任务读取所述资源计算记录表中的每个第一产品信息，包括：
    按照每个异步计算任务读取所述资源计算记录表中对应的处于计算中状态的第一产品信息；
    在所述生成资源管理值之后，还包括：
    将所述第一产品信息修改为计算完成状态。
  4. 根据权利要求1所述的方法，其特征在于，所述产品渠道包括通道和直销，所述根据产品渠道和产品标识确定与第一产品信息相匹配的产品资源计算模型，包括：
    针对每个第一产品信息，根据其中的产品标识确定相应的产品所属的产品类别；
    当其中的产品渠道为通道时，获取处于通道情形下的产品类别匹配的产品资源计算模型；及
    当其中的产品渠道为直销时，获取处于直销情形下的产品类别匹配的产品资源计算模 型。
  5. 根据权利要求2所述的方法，其特征在于，在所述生成资源管理值之后，还包括：
    针对所有具有相同产品标识和渠道标识的第二产品信息，根据其中的资源初始值计算出每个第二产品的资源占比；
    根据所述资源占比和相应的资源管理值，计算出每个第二产品信息的资源管理分值；及
    将所述资源管理分值写入所述第二产品信息表中。
  6. 根据权利要求1所述的方法，其特征在于，在所述根据产品渠道和产品标识确定与第一产品信息相匹配的产品资源计算模型，将资源总值输入匹配的计算模型中进行计算，生成资源管理值之后，还包括：
    根据每个第一产品信息中的产品标识和产品渠道，查询每个第一产品信息关联的机构标识；及
    将关联相同机构标识的第一产品信息中的资源管理值进行叠加，生成相应分支机构的机构资源管理值。
  7. 一种投资产品的资源处理装置，所述装置包括：
    第一产品信息获取模块，用于获取资源总值表中的第一产品信息，所述第一产品信息中包含产品标识、产品渠道以及资源总值；
    状态检测模块，用于根据每个产品渠道对应的预设资源处理频率，检测相应的第一产品信息是否为当前待处理信息；
    第一产品信息写入模块，用于将判定为当前待处理信息的第一产品信息写入资源计算记录表中；及
    资源管理值计算模块，用于按照预设的异步计算任务读取所述资源计算记录表中的每个第一产品信息，根据产品渠道和产品标识确定与第一产品信息相匹配的产品资源计算模型，将资源总值输入匹配的计算模型中进行计算，生成资源管理值。
  8. 根据权利要求7所述的装置，其特征在于，所述装置还包括：
    信息同步模块，用于同步数据中心的第一产品信息表中的第二产品信息至第二产品信息表中，每个产品信息包括用户标识、产品标识、资源初始值和产品渠道的字段信息；及
    资源总值表生成模块，用于将所述第二产品信息表中的第二产品信息中，具有相同的产品渠道和产品标识的资源初始值进行叠加，生成每个相同产品渠道和产品标识的资源总值；将所述资源总值写入预设的资源总值表中。
  9. 根据权利要求7所述的装置，其特征在于，所述装置还包括：
    异步计算任务生成模块，用于将所述资源计算记录表中的每个第一产品信息设置为待计算状态；调用系统定时任务对每个待计算状态的第一产品信息生成对应的异步计算任务，将相应的第一产品信息设置为计算中状态；及
    所述资源管理值计算模块还用于按照每个异步计算任务读取所述资源计算记录表中 对应的处于计算中状态的第一产品信息；在所述生成资源管理值之后，将所述第一产品信息设置为计算完成。
  10. 一种计算机设备，包括存储器及处理器，所述存储器中储存有计算机可读指令，所述指令被所述处理器执行时，使得所述处理器执行以下步骤：
    获取资源总值表中的第一产品信息，所述第一产品信息中包含产品标识、产品渠道以及资源总值；
    根据每个产品渠道对应的预设资源处理频率，检测相应的第一产品信息是否为当前待处理信息；
    将判定为当前待处理信息的第一产品信息写入资源计算记录表中；及
    按照预设的异步计算任务读取所述资源计算记录表中的每个第一产品信息，根据产品渠道和产品标识确定与第一产品信息相匹配的产品资源计算模型，将资源总值输入匹配的计算模型中进行计算，生成资源管理值。
  11. 根据权利要求10所述的计算机设备，其特征在于，所述指令被所述处理器执行时，还使得所述处理器执行以下步骤：
    同步数据中心的第一产品信息表中的第二产品信息至第二产品信息表中，所述第二产品信息包括用户标识、产品标识、资源初始值和产品渠道的字段信息；
    将所述第二产品信息表中的第二产品信息中，具有相同的产品渠道和产品标识的资源初始值进行叠加，生成每个相同产品渠道和产品标识的资源总值；及
    将所述资源总值写入预设的资源总值表中。
  12. 根据权利要求10所述的计算机设备，其特征在于，所述指令被所述处理器执行时，还使得所述处理器执行以下步骤：
    将所述资源计算记录表中的每个第一产品信息设置为待计算状态；
    检测每个待计算状态的第一产品信息中资源总值的字段是否为空；
    当不为空时，调用系统定时任务对每个待计算状态的第一产品信息生成对应的异步计算任务，将相应的第一产品信息修改为计算中状态；
    按照每个异步计算任务读取所述资源计算记录表中对应的处于计算中状态的第一产品信息；
    将所述第一产品信息修改为计算完成状态。
  13. 根据权利要求10所述的计算机设备，其特征在于，所述指令被所述处理器执行时，还使得所述处理器执行以下步骤：
    针对每个第一产品信息，根据其中的产品标识确定相应的产品所属的产品类别；
    当其中的产品渠道为通道时，获取处于通道情形下的产品类别匹配的产品资源计算模型；及
    当其中的产品渠道为直销时，获取处于直销情形下的产品类别匹配的产品资源计算模型。
  14. 根据权利要求11所述的计算机设备，其特征在于，所述指令被所述处理器执行时，还使得所述处理器执行以下步骤：
    针对所有具有相同产品标识和渠道标识的第二产品信息，根据其中的资源初始值计算出每个第二产品的资源占比；
    根据所述资源占比和相应的资源管理值，计算出每个第二产品信息的资源管理分值；及
    将所述资源管理分值写入所述第二产品信息表中。
  15. 根据权利要求10所述的计算机设备，其特征在于，所述指令被所述处理器执行时，还使得所述处理器执行以下步骤：
    根据每个第一产品信息中的产品标识和产品渠道，查询每个第一产品信息关联的机构标识；及
    将关联相同机构标识的第一产品信息中的资源管理值进行叠加，生成相应分支机构的机构资源管理值。
  16. 一个或多个包含计算机可读指令的非易失性计算机可读存储介质，当所述计算机可读指令被一个或多个处理器执行时，使得所述处理器执行以下步骤：
    获取资源总值表中的第一产品信息，所述第一产品信息中包含产品标识、产品渠道以及资源总值；
    根据每个产品渠道对应的预设资源处理频率，检测相应的第一产品信息是否为当前待处理信息；
    将判定为当前待处理信息的第一产品信息写入资源计算记录表中；及
    按照预设的异步计算任务读取所述资源计算记录表中的每个第一产品信息，根据产品渠道和产品标识确定与第一产品信息相匹配的产品资源计算模型，将资源总值输入匹配的计算模型中进行计算，生成资源管理值。
  17. 根据权利要求16所述的存储介质，其特征在于，当所述计算机可读指令被一个或多个处理器执行时，还使得所述处理器执行以下步骤：
    同步数据中心的第一产品信息表中的第二产品信息至第二产品信息表中，所述第二产品信息包括用户标识、产品标识、资源初始值和产品渠道的字段信息；
    将所述第二产品信息表中的第二产品信息中，具有相同的产品渠道和产品标识的资源初始值进行叠加，生成每个相同产品渠道和产品标识的资源总值；及
    将所述资源总值写入预设的资源总值表中。
  18. 根据权利要求16所述的存储介质，其特征在于，当所述计算机可读指令被一个或多个处理器执行时，还使得所述处理器执行以下步骤：
    将所述资源计算记录表中的每个第一产品信息设置为待计算状态；
    检测每个待计算状态的第一产品信息中资源总值的字段是否为空；
    当不为空时，调用系统定时任务对每个待计算状态的第一产品信息生成对应的异步计 算任务，将相应的第一产品信息修改为计算中状态；
    按照每个异步计算任务读取所述资源计算记录表中对应的处于计算中状态的第一产品信息；
    将所述第一产品信息修改为计算完成状态。
  19. 根据权利要求16所述的存储介质，其特征在于，当所述计算机可读指令被一个或多个处理器执行时，还使得所述处理器执行以下步骤：
    针对每个第一产品信息，根据其中的产品标识确定相应的产品所属的产品类别；
    当其中的产品渠道为通道时，获取处于通道情形下的产品类别匹配的产品资源计算模型；及
    当其中的产品渠道为直销时，获取处于直销情形下的产品类别匹配的产品资源计算模型。
  20. 根据权利要求17所述的存储介质，其特征在于，当所述计算机可读指令被一个或多个处理器执行时，还使得所述处理器执行以下步骤：
    针对所有具有相同产品标识和渠道标识的第二产品信息，根据其中的资源初始值计算出每个第二产品的资源占比；
    根据所述资源占比和相应的资源管理值，计算出每个第二产品信息的资源管理分值；及
    将所述资源管理分值写入所述第二产品信息表中。
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