Data processing method, device, system, storage medium and computer equipment

Abstract

The present disclosure provides a data processing method and device, which relates to the field of computers. The method is executed by an agent service platform, including: in response to a trigger operation of a user at a transaction initiation time point, obtaining first transaction data input by the user and displayed in an interactive interface; determining second transaction data according to the first transaction data, and sending the actual execution parameters in the second transaction data to the first service platform, so that the first service platform updates the parameters of the user's first account at a preset time point according to the actual execution parameters; forming transaction information according to the first transaction data and the second transaction data, and sending the transaction information to the second service platform, so that the second service platform determines the parameters to be executed corresponding to the first transaction data according to the transaction information; receiving the parameters to be executed, and updating the parameters of the first account at the transaction end time point according to the parameters to be executed. The present disclosure improves data processing efficiency, and improves the capital liquidity and user experience of the product.

Description

Technical Field

[0001] The present disclosure relates to the field of computer technology, and in particular to a data processing method, a data processing device, a data processing system, a computer storage medium, and a computer device. Background Art

[0002] With the development of the economy, more investment methods have emerged. People will use idle funds to buy funds, financial products and other products to obtain higher profits. Funds are investment tools that collect funds scattered among investors and entrust professional investment institutions to manage and use them in accordance with the principle of sharing benefits and sharing risks. Usually, banks or fund sales agencies that sell fund products on behalf of others provide users with investment agency services for open-end funds such as fund account opening, subscription, application and redemption, so as to facilitate users to indirectly participate in capital market investment and realize investment returns.

[0003] At present, most fund products are not redeemed in real time. For net value fund products, if users want to redeem the purchased product shares, it is usually on T day that the user redeems the shares, and the fund company confirms the amount received on T+1 day, and the funds arrive on T+n day. For users who urgently need funds, the redemption amount cannot be received in real time, and the quick redemption capability provided by money funds is greatly insufficient in terms of fund liquidity, which reduces the user experience.

[0004] It should be noted that the information disclosed in the above background technology section is only used to enhance the understanding of the background of the present disclosure, and therefore may include information that does not constitute the prior art known to ordinary technicians in the field. Summary of the invention

[0005] The embodiments of the present disclosure provide a data processing method, a data processing device, a computer storage medium and a computer device, which can at least to a certain extent ensure that funds arrive in real time, improve the capital liquidity of the product, and further enhance the user experience.

[0006] Other features and advantages of the present disclosure will become apparent from the following detailed description, or may be learned in part by the practice of the present disclosure.

[0007] According to one aspect of an embodiment of the present disclosure, there is provided a data processing method, which is executed by an agent service platform, and the method includes: in response to a trigger operation of a user at a transaction initiation time point, obtaining first transaction data input by the user and displayed in an interactive interface; determining second transaction data based on the first transaction data, and sending actual execution parameters in the second transaction data to a first service platform, so that the first service platform updates parameters of a first account of the user at a preset time point according to the actual execution parameters; forming transaction information based on the first transaction data and the second transaction data, and sending the transaction information to a second service platform, so that the second service platform determines parameters to be executed corresponding to the first transaction data based on the transaction information; receiving the parameters to be executed, and updating parameters of the first account at a transaction end time point according to the parameters to be executed.

[0008] According to one aspect of an embodiment of the present disclosure, there is provided a data processing device, which is arranged in an agent service platform, and the device includes: a data acquisition module, which is used to respond to a trigger operation of a user at a transaction initiation time point to acquire first transaction data input by the user and displayed in an interactive interface; a first update module, which is used to determine second transaction data based on the first transaction data, and send actual execution parameters in the second transaction data to the first service platform, so that the first service platform updates the parameters of the user's first account at a preset time point according to the actual execution parameters; an information sending module, which is used to form transaction information based on the first transaction data and the second transaction data, and send the transaction information to the second service platform, so that the second service platform determines the parameters to be executed corresponding to the first transaction data according to the transaction information; a second update module, which is used to receive the parameters to be executed, and update the parameters of the first account at the transaction end time point according to the parameters to be executed.

[0009] In some embodiments of the present disclosure, based on the aforementioned scheme, the first transaction data is the actual execution share number; the second transaction data also includes additional execution parameters; the first update module includes: a first parameter determination unit, used to determine the actual execution parameters based on the actual execution share number, the first conversion ratio and the discount ratio; a second parameter determination unit, used to determine the additional execution parameters based on the actual execution parameters, the second conversion ratio and the transaction duration.

[0010] In some embodiments of the present disclosure, based on the aforementioned solution, the transaction duration is the difference between the natural day corresponding to the preset time point and the natural day corresponding to the transaction end time point.

[0011] In some embodiments of the present disclosure, based on the aforementioned scheme, the first update module is configured to: form an execution request according to the actual execution parameters; send the execution request to the first service platform, so that the first service platform updates the parameters of the first account at the preset time point according to the actual execution parameters.

[0012] In some embodiments of the present disclosure, based on the aforementioned scheme, the information sending module includes: a transaction information forming unit, used to form the transaction information based on the actual execution share number, the actual execution parameters and the additional execution parameters; a transaction information sending unit, used to send the transaction information to the second service platform at the first transaction deadline time point after the transaction initiation time point.

[0013] In some embodiments of the present disclosure, based on the aforementioned scheme, the transaction information forming unit is configured to: form the first sub-transaction information in the transaction information according to the actual execution parameters, the additional execution parameters, the identification information of the user and the identification information of the second service platform; form the second sub-transaction information in the transaction information according to the actual execution share number, the actual execution parameters, the additional execution parameters and the identification information of the user.

[0014] In some embodiments of the present disclosure, based on the aforementioned scheme, the information sending module includes: a target share determination unit, used to determine the target share number based on the actual execution parameter, the additional execution parameter and the third conversion ratio; an account updating unit, used to update the second account corresponding to the user in the second service platform according to the target share number; a to-be-returned share determination unit, used to determine the to-be-returned share number corresponding to the first transaction data based on the actual execution share number and the target share number; and a to-be-executed parameter determination unit, used to determine the to-be-executed parameters based on the to-be-returned share number and the third conversion ratio.

[0015] In some embodiments of the present disclosure, based on the aforementioned solution, the account updating unit is configured to: transfer the shares corresponding to the target number of shares in the second account to the account corresponding to the first service platform.

[0016] In some embodiments of the present disclosure, based on the aforementioned scheme, the second update module is configured to: receive confirmation information sent by the second service platform, the confirmation information including first confirmation information and second confirmation information, wherein the first confirmation information includes the target number of shares, and the second confirmation information includes the number of shares to be returned and the parameters to be executed.

[0017] In some embodiments of the present disclosure, based on the aforementioned scheme, the data processing device is also configured to: at the end time of the transaction, forcibly redeem the target number of shares in the account corresponding to the first service platform according to the actual execution parameters and the additional execution parameters through the second service platform.

[0018] In some embodiments of the present disclosure, based on the aforementioned scheme, the data processing device is also configured to: form a first transaction order according to the actual execution parameters, and at the same time form a second transaction order according to the number of shares to be returned, and display the first transaction order and the second transaction order in the interactive interface.

[0019] In some embodiments of the present disclosure, based on the aforementioned scheme, the data processing device is also configured to: before updating the parameters of the first account at the transaction end time point according to the parameters to be executed, update the parameters of the target account in the proxy service platform through the second service platform.

[0020] According to one aspect of an embodiment of the present disclosure, a data processing system is provided, characterized in that it includes: a terminal device, which is used to respond to a trigger operation of a user at a transaction initiation time point, receive and display first transaction data input by the user in an interactive interface; an agent service platform, which is connected to the terminal device, and is used to receive the first transaction data sent by the terminal device, determine second transaction data according to the first transaction data, and form transaction information according to the first transaction data and the second transaction data, wherein the second transaction data includes the actual execution parameters; a first service platform, which is connected to the agent service platform, and is used to respond to an execution request formed according to the actual execution parameters sent by the agent service platform, and update the parameters of the first account of the user according to the actual execution parameters at a preset time point; a second service platform, which is connected to the agent service platform and the first service platform, and is used to determine the parameters to be executed corresponding to the first transaction data according to the transaction information, and send the parameters to be executed to the agent service platform, so that the agent service platform updates the parameters of the first account according to the parameters to be executed at the transaction end time point.

[0021] According to one aspect of an embodiment of the present disclosure, a computer-readable storage medium is provided, on which a computer program is stored. When the program is executed by a processor, the data processing method as described in the above embodiment is implemented.

[0022] According to one aspect of an embodiment of the present disclosure, a computer device is provided, comprising one or more processors; a storage device for storing one or more programs, which, when the one or more programs are executed by the one or more processors, enables the one or more processors to execute the data processing method as described in the above embodiment.

[0023] In the technical solution provided by the embodiment of the present disclosure, firstly, the first transaction data input by the user and displayed in the interactive interface is obtained; then, the second transaction data is determined according to the first transaction data, and the second transaction data includes the actual execution parameters; then, at a preset time point, the parameters of the user's first account are updated through the first service platform according to the actual execution parameters; finally, the parameters of the user's first account are updated at the transaction end time point according to the parameters to be executed returned by the second service platform. The technical solution of the present disclosure can determine the actual execution parameters and the parameters to be executed according to the first transaction data input by the user, and update the parameters of the user account at the preset time point according to the actual execution parameters, and update the parameters of the user account at the transaction end time point according to the parameters to be executed, so as to ensure that most of the funds that the user wants to redeem are received in real time, improve the liquidity of the product, and further enhance the user experience. In addition, data processing through different service platforms can improve data processing efficiency.

[0024] It is to be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] The drawings herein are incorporated into the specification and constitute a part of the specification, showing embodiments consistent with the present disclosure, and together with the specification, are used to explain the principles of the present disclosure. Obviously, the drawings described below are only some embodiments of the present disclosure, and for ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0026] Figure 1 A schematic diagram showing the architecture of a data processing system used in an embodiment of the present disclosure is shown;

[0027] Figure 2 A schematic diagram schematically shows a flow chart of a data processing method according to an embodiment of the present disclosure;

[0028] Figure 3A-3B A schematic diagram of an interface for a user to redeem a product according to an embodiment of the present disclosure is shown;

[0029] Figure 4 A schematic diagram of an interface of prompt information according to an embodiment of the present disclosure is schematically shown;

[0030] Figure 5 A schematic diagram of a process for determining second transaction data according to an embodiment of the present disclosure is schematically shown;

[0031] Figure 6 A schematic diagram of a process for determining parameters to be executed according to an embodiment of the present disclosure is shown;

[0032] Figure 7 A schematic diagram of an interface for a transaction order according to an embodiment of the present disclosure is schematically shown;

[0033] Figure 8 The interactive flow chart of a data processing method according to an embodiment of the present disclosure is schematically shown;

[0034] Fig. 9 A block diagram schematically shows a data processing device according to an embodiment of the present disclosure;

[0035] Fig.10 A schematic diagram of the structure of a computer system suitable for implementing a computer device of an embodiment of the present disclosure is shown. DETAILED DESCRIPTION

[0036] Example embodiments will now be described more fully with reference to the accompanying drawings. However, example embodiments can be implemented in a variety of forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be more comprehensive and complete and will fully convey the concept of the example embodiments to those skilled in the art.

[0037] In addition, the described features, structures or characteristics may be combined in one or more embodiments in any suitable manner. In the following description, many specific details are provided to provide a full understanding of the embodiments of the present disclosure. However, those skilled in the art will appreciate that the technical solutions of the present disclosure may be practiced without one or more of the specific details, or other methods, components, devices, steps, etc. may be adopted. In other cases, known methods, devices, implementations or operations are not shown or described in detail to avoid blurring the various aspects of the present disclosure.

[0038] The block diagrams shown in the accompanying drawings are merely functional entities and do not necessarily correspond to physically independent entities. That is, these functional entities may be implemented in software form, or in one or more hardware modules or integrated circuits, or in different networks and / or processor devices and / or microcontroller devices.

[0039] The flowcharts shown in the accompanying drawings are only exemplary and do not necessarily include all the contents and operations / steps, nor must they be executed in the order described. For example, some operations / steps can be decomposed, and some operations / steps can be combined or partially combined, so the actual execution order may change according to actual conditions.

[0040] Figure 1 A schematic diagram showing an exemplary system architecture to which the technical solution of the embodiments of the present disclosure can be applied.

[0041] like Figure 1 As shown, the system architecture 100 may include a terminal device 101, an agent service platform 102, a first service platform 103 and a second service platform 104. The terminal device 101 is a terminal device used by a user, such as a smart phone, a tablet computer, a desktop computer, etc.; the agent service platform 102 mainly refers to the server at one end of the product distribution agency; the first service platform 103 mainly refers to the server at one end of the agency that advances funds to the user account; the second service platform 104 mainly refers to the server at one end of the product issuer. Specifically, the terminal device 101 is used to respond to the trigger operation of the user at the transaction initiation time point, receive and display the first transaction data input by the user in the interactive interface, and display the transaction order formed according to the actual execution parameters and the parameters to be executed in the interactive interface; the proxy service platform 102 is connected to the terminal device 101, and is used to receive the first transaction data sent by the terminal device 101, determine the second transaction data according to the first transaction data, and form transaction information according to the first transaction data and the second transaction data, wherein the second transaction data includes the actual execution parameters; the first service platform 103 is connected to the proxy service platform 102, and is used to respond to the execution request formed according to the actual execution parameters sent by the proxy service platform 102, and update the parameters of the user's first account according to the actual execution parameters at a preset time point; the second service platform 104 is connected to the proxy service platform 102 and the first service platform 103, and is used to determine the parameters to be executed corresponding to the first transaction data according to the transaction information, and send the parameters to be executed to the proxy service platform 102, so that the proxy service platform 102 updates the parameters of the first account according to the parameters to be executed at the transaction end time point.

[0042] It is worth noting that the agency service platform 102 and the first service platform 103 can be different service platforms or the same service platform. For example, a bank that has signed a sales agency agreement with a fund company can both sell fund products on behalf of the company and advance the funds needed by users.

[0043] It should be understood that Figure 1The number of terminal devices 101, proxy service platforms 102, first service platforms 103, and second service platforms 104 is only illustrative. According to actual needs, there can be any number of terminal devices 101, proxy service platforms 102, first service platforms 103, and second service platforms 104. For example, each service platform can be a server cluster composed of multiple servers.

[0044] In one embodiment of the present disclosure, the terminal device 101 receives first transaction data input by the user in response to a trigger operation initiated by the user at a transaction initiation time point, and displays the first transaction data in an interactive interface; then the terminal device 101 sends the first transaction data to the proxy service platform 102, and the proxy service platform 102 can determine second transaction data based on the first transaction data, and the second transaction data includes actual execution parameters and additional execution parameters. The first transaction data can specifically be the actual execution share number. Accordingly, the actual execution parameter is the amount of funds returned to the user in real time determined based on the actual execution share number, the first conversion ratio and the discount ratio. The additional execution parameter is the amount of service fee that the user needs to pay to the second service platform determined based on the actual execution parameter, the second conversion ratio and the transaction duration. Specifically, the first conversion ratio can be related to the transaction duration. The net value corresponding to the time point of the easy initiation, the second conversion ratio can be the daily handling fee, and the transaction duration is the difference between the natural day corresponding to the transaction end time point and the natural day corresponding to the preset time point; after determining the second transaction data, an execution request can be formed according to the actual execution parameters and sent to the first service platform 103, so that the first service platform 103 can modify the parameters of the user account according to the actual execution parameters; further, the proxy service platform can also form transaction information according to the first transaction data and the second transaction data and send it to the second service platform 104, so that the second service platform 104 can determine the parameters to be executed corresponding to the first transaction information according to the transaction information, and the second service platform 104 can send the parameters to be executed to the proxy service platform 102, so that the proxy service platform 102 can update the parameters of the user account according to the parameters to be executed at the end time of the transaction. In other words, the funds corresponding to the first transaction data applied for redemption by the user are divided into two parts: the actual execution parameters and the parameters to be executed. The actual execution parameters are the amount of funds returned to the user in real time, and the parameters to be executed are the amount of funds returned to the user at the end time of the transaction, that is, the date when the redemption funds arrive. The data processing method disclosed in the present invention can improve the liquidity of the product's funds, and can return most of the funds to the user in real time when the user is in urgent need of funds. The remaining small part of the funds can be returned to the user on the redemption fund arrival date, thereby improving the user experience and at the same time increasing the user's interest in such products, further increasing the product's subscription volume. In addition, the data processing method disclosed in the present invention calculates the actual execution parameters and the parameters to be executed through the proxy service platform and the second service platform respectively, thereby reducing the data processing volume of each service platform and improving data processing efficiency.

[0045] In the related art in this field, taking net value products as an example, when users redeem part or all of the shares of the net value products they hold, it is usually on T day that the user redeems the shares, and on T+1 day the product issuing company, such as a fund company, confirms the amount received, and then transfers the funds to the user's account on T+n day (n>0). The difference between the fund arrival date and the product redemption date is n days, that is, on the day when the user redeems the product shares, the funds cannot be received in real time, and compared with the quick redemption capability provided by money funds, there is a great lack of liquidity. This is a very bad user experience for users who are in urgent need of funds, and may even affect the user's intention to subscribe to such products.

[0046] In view of the problems existing in the related art, the present disclosure proposes a data processing method, which can be used to process the quick redemption application of a net value product. The following takes the processing of the redemption application of a net value fund product as an example to elaborate on the implementation details of the data processing method of an embodiment of the present invention:

[0047] The present disclosure first provides a data processing method, which is executed by a computer device, including but not limited to a server or a terminal. Figure 1 The proxy service platform 102 shown in FIG. Figure 2 A flowchart of a data processing method according to an embodiment of the present disclosure is schematically shown. Figure 2 As shown, the data processing method at least includes steps S210 to S240, which are described in detail as follows:

[0048] In step S210, in response to a trigger operation by the user at the transaction initiation time point, first transaction data input by the user and displayed in the interactive interface is obtained.

[0049] In one embodiment of the present disclosure, a user can open an account and purchase a certain share of fund products through a sales agency or bank that has signed a sales agency agreement with a fund company, wherein the sales agency or bank that has signed a sales agency agreement with the fund company is equivalent to an agent service platform in a data processing system, on which users can perform operations such as subscription and redemption, and then the agent service platform will connect with the fund company to obtain the product of the user's subscription share or the funds corresponding to the share that the user wants to redeem, and the fund company is the second service platform in the data processing system in the present disclosure. When subscribing, the user signs a purchase contract with the fund company, and the contract will specifically explain matters such as product subscription and redemption. For different types of products, the redemption time is different. Some products can be redeemed on each open day, some products can be redeemed on the product expiration date, and some products can also apply for redemption at any time point. In order to make the solution clear, the technical solution of the present disclosure is explained below by taking the redemption on the first open day after the product subscription date as an example.

[0050] In one embodiment of the present disclosure, for example, a user purchased a net value fund product through an agent service platform on January 1, 2020. After the user submitted a subscription request, the fund company can determine the user's subscription share by converting the user's subscription funds and the net value of the day. For example, if the user's subscription funds are 20,000 yuan and the net value of the day is 0.80 yuan per share, then it can be determined that the user can obtain 25,000 shares of the product. Due to the urgent need for capital turnover, the user wants to redeem 10,000 shares of the product on the first open day, March 1, 2020. Then the user can log in to the client of the agent service platform in the terminal device to perform the redemption operation. Figure 3A-3B The schematic diagram of the interface for users to redeem products is shown. When the user logs in to the client of the proxy service platform and clicks to enter the purchased product page, the details of all purchased products are displayed in the interactive interface. Clicking on one of the products can enter the details page of the product. The interface displays information such as the product name, holding shares, and the latest net value, and there are "buy again" and "quick withdrawal" buttons at the bottom of the interactive interface. Figure 3A As shown; when the user clicks the "Quick Withdraw" button, a form is displayed in the interactive interface. The user can fill in the number of shares he wants to withdraw in the form and select the withdrawal method. The withdrawal methods can be "normal withdrawal to balance", "normal withdrawal to designated bank card" and "paid quick withdrawal to designated bank card", as shown. Figure 3BAs shown, "Pay to withdraw to a designated bank card" means that users can obtain funds in real time by paying the corresponding handling fee without waiting too long; after the user fills in the number of shares to be redeemed and selects the appropriate withdrawal method, click the "Withdraw" button at the bottom of the interactive interface to send the redemption request to the proxy service platform. In this process, the time point corresponding to the user's operation of clicking the "Withdraw" button is the transaction initiation time point, for example, 10:00 am on March 1, 2020. The number of shares that the user fills in to redeem is the first transaction data, that is, the first transaction data is the actual number of executed shares to be processed by the data processing system.

[0051] In one embodiment of the present disclosure, if the user is in urgent need of funds, he will inevitably choose to pay for caching to ensure that the funds arrive in real time. After the user chooses to pay for caching, the proxy service platform can determine the amount of funds that can be returned to the user in real time and the amount of service fees that the user needs to pay based on the first transaction data, and send the relevant information to the user's terminal device to display the amount of funds and the amount of service fees corresponding to the number of shares to be redeemed by the user in the interactive interface of the terminal device. The service fee amount can be a rough value determined according to previous calculation rules and parameters, or it can be an accurate value determined according to the bank's service fee rate. However, since the net value of the product changes every natural day, and the bank's daily service fee may also change, the service fee amount in the interactive interface is preferably a rough value, such as the maximum service fee amount, so that on the one hand, it can prompt the user about how much service fee he needs to pay, and on the other hand, it will not cause negative emotions to the user because the final payment of the service fee exceeds expectations.

[0052] Furthermore, when the user clicks Figure 3A-3B After pressing the "Take Out" button in the interface, a prompt message may be displayed in the interactive interface, such as Figure 4 As shown, a prompt message "Your quick withdrawal application has been submitted, please pay attention to your account status in time" is displayed in the interactive interface.

[0053] In step S220, second transaction data is determined based on the first transaction data, and actual execution parameters in the second transaction data are sent to the first service platform, so that the first service platform updates parameters of the user's first account at a preset time point based on the actual execution parameters.

[0054] In one embodiment of the present disclosure, after receiving the first transaction information sent by the terminal device, the proxy service platform can determine the second transaction information according to the first transaction information, and the second transaction information is specifically the actual execution parameter and the additional execution parameter determined according to the first transaction information, the actual execution parameter is the amount of funds returned to the user in real time, and the additional execution parameter is the service fee that the user needs to pay to the first service platform. Since the second service platform cannot perform real-time settlement and account entry when the user redeems the actual execution share number, it is impossible to transfer the funds to the user account in real time. In order to transfer the funds to the user account in real time, the second service platform needs to sign an agreement with the first service platform, first advance funds to the user account through the first service platform, and then deduct the corresponding share from the user's share according to the actual execution parameter and the additional execution parameter during the settlement and transfer it to the first service platform, and after the settlement is completed, according to the actual execution parameter and the additional execution parameter, that is, the funds advanced by the first service platform and the service fee collected, the share transferred to the first service platform is forcibly redeemed.

[0055] In one embodiment of the present disclosure, when determining the second transaction information based on the first transaction information, the first conversion ratio, the second conversion ratio, the discount ratio, the transaction duration and other information can be obtained first, and then the second transaction information can be obtained by calculation based on the first transaction information and the above information. Figure 5 A schematic diagram of the process of determining the second transaction data is shown. Figure 5 As shown, the process at least includes steps S501-S502, specifically:

[0056] In step S501, actual execution parameters are determined according to the actual execution share number, the first conversion ratio and the discount ratio.

[0057] In one embodiment of the present disclosure, the first conversion ratio is the net value of the previous natural day adjacent to the transaction initiation time point, and the discount ratio is the ratio set by the second service platform based on the statistical value of the net value decline. By discounting the user's assets according to the discount ratio, it is ensured that the first service platform can recover the advance funds and service fees even if the net value declines. After determining the first conversion ratio and the discount ratio, the actual execution parameters can be calculated according to formula (1), that is, the amount of funds that need to be advanced by the first service platform. Formula (1) is specifically as follows:

[0058] X=M×P1×R (1)

[0059] Among them, X is the actual execution parameter, M is the actual execution share number, P1 is the first conversion ratio, and R is the discount ratio.

[0060] In one embodiment of the present disclosure, since a discount ratio is introduced when calculating the actual execution parameter based on the first transaction data, the amount corresponding to the actual execution parameter is not all the amount corresponding to the first transaction data, but only most of it. That is to say, the funds applied for redemption by the user will be divided into two parts and transferred to the user's account. Most of the funds will be received in real time, and a small part of the funds will be received after the fund company's liquidation is completed.

[0061] In step S502, additional execution parameters are determined according to the actual execution parameters, the second conversion ratio and the transaction duration.

[0062] In one embodiment of the present disclosure, the second conversion ratio is the service fee rate of the first service platform, which can be a daily service fee rate, for example, a service fee of one yuan is charged for ten thousand yuan a day, and so on. The transaction duration is the difference between the natural day corresponding to the time point when the first service platform transfers funds to the user's account and the natural day corresponding to the transaction end time point. For example, the user submits a redemption application at 10:00 am on March 1, 2020, and the advance bank transfers the funds to the user's account at 10:05. The normal redemption funds arrive at 24:00 on March 3, 2020, then the transaction duration can be determined to be 2 days. It is worth noting that if there are service fee rates in other billing units, such as hours, the time difference between the time point when the first service platform transfers funds to the user's account and the transaction end time point can also be directly used for calculation. For example, when calculated at the hourly service fee rate, the transaction duration corresponding to the above example is approximately 61.917 hours.

[0063] After obtaining the actual execution parameter and the second conversion ratio, the additional execution parameter can be obtained by calculation according to formula (2). Formula (2) is specifically as follows:

[0064] Y=X×P2×(T2-T1) (2)

[0065] Among them, Y is an additional execution parameter, P2 is the daily service fee rate, T1 is the natural day corresponding to the time when the funds are transferred into the user's account, and T2 is the natural day corresponding to the transaction end time.

[0066] In one embodiment of the present disclosure, after determining the second transaction data, an execution request can be formed according to the actual execution parameters, and the execution request can be sent to the first service platform, so that the first service platform updates the parameters of the user's first account according to the actual execution parameters at a preset time point, so as to realize the real-time transfer of most of the funds applied for redemption by the user into the user account. Among them, the preset time point is the time point when the first service platform transfers funds to the user account. In order to improve the liquidity of the product and improve the user experience of the product, the first service platform needs to transfer the funds to the user's first account in real time after receiving the execution request. That is to say, the preset time point is close to the transaction initiation time point, for example, the difference between the preset time point and the transaction initiation time point does not exceed 5 minutes, 10 minutes, and so on.

[0067] In one embodiment of the present disclosure, after the actual execution parameters and the additional execution parameters are determined and before the execution request is sent to the first service platform, a redemption order for the user can be formed based on the actual execution parameters and the additional execution parameters, and the redemption order can be sent to the user's terminal device. The terminal device can display the actual execution parameters and the additional execution parameters in the interactive interface to prompt the user of the amount of funds that can be obtained in real time through paid caching and the amount of service fees that need to be paid.

[0068] In step S230, transaction information is formed according to the first transaction data and the second transaction data, and the transaction information is sent to the second service platform, so that the second service platform determines the to-be-executed parameters corresponding to the first transaction data according to the transaction information.

[0069] In one embodiment of the present disclosure, after determining the actual execution parameters and the additional execution parameters based on the first transaction data, transaction information can be formed based on the actual execution share number, the actual execution parameters and the additional execution parameters, and the transaction information includes first sub-transaction information and second sub-transaction information. Specifically, the first sub-transaction information can be formed based on the actual execution parameters, the additional execution parameters, the user's identification information and the identification information of the second service platform, and the second sub-transaction information can be formed based on the actual execution share number, the actual execution parameters, the additional execution parameters and the user's identification information, wherein the first sub-transaction information can be regarded as a non-transaction transfer order, that is, transferring the user's X+Y yuan of funds to the first service platform, and the second sub-transaction information can be regarded as the user's redemption order, which includes a redemption share of M shares and an amount of X+Y yuan received.

[0070] In one embodiment of the present disclosure, after the transaction information is formed, the transaction information can be sent to the second service platform at the first transaction deadline time point after the transaction initiation time point. For example, if the fund transaction time is 9:00-15:00 every working day, then the transaction deadline time point is 15:00 every day. Taking the transaction initiation time point of 10:00 on March 1, 2020 in the above embodiment as an example, the first transaction deadline time point after the transaction initiation time point is 15:00 on March 1, 2020. It is worth noting that for redemption applications initiated by users between 9:00-15:00 on the same day, they are all regarded as transactions on the same day and reported to the second service platform after 15:00 on the same day; for redemption applications initiated by users between 15:00 on the same day and 9:00 on the next day, they are all regarded as transactions on the next day and reported to the second service platform after 15:00 on the next day. If the next day is a non-working day, such as a statutory holiday, it will be postponed to the next working day.

[0071] In one embodiment of the present disclosure, after receiving the transaction information uploaded by the proxy service platform, the second service platform can determine the parameters to be executed according to the transaction information. Specifically, Figure 6 A schematic diagram of the process of determining the parameters to be executed is shown, such as Figure 6 As shown, in step S601, the target number of shares is determined according to the actual execution parameters, the additional execution parameters and the third conversion ratio; in step S602, the second account corresponding to the user in the second service platform is updated according to the target number of shares; in step S603, the number of shares to be returned corresponding to the first transaction data is determined according to the actual number of execution shares and the target number of shares; in step S604, the parameters to be executed are determined according to the number of shares to be returned and the third conversion ratio.

[0072] Among them, in steps S601-S602, the third conversion ratio is the net value of the day obtained after the transaction deadline. After obtaining the third conversion ratio, the target number of shares can be calculated according to formula (3). Formula (3) is specifically as follows:

[0073] N=(X+Y) / P3 (3)

[0074] Among them, N is the target number of shares, and P3 is the third conversion ratio.

[0075] Since the first service platform has transferred funds to the user's account based on the actual execution parameters, and the additional execution parameters are the amount of service fees that the first service platform needs to charge, the second service platform needs to transfer the funds corresponding to the actual execution parameters and the additional execution parameters to the first service platform. Specifically, the second service platform first determines the target number of shares based on the actual execution parameters, the additional execution parameters and the net value of the day, and then transfers the target number of shares from the user's account opened in the second service platform to the account corresponding to the first service platform; finally, these shares can be redeemed based on the actual execution parameters and the additional execution parameters.

[0076] In steps S603-S604, due to the effect of the discount ratio, the actual execution parameter is less than the amount corresponding to the actual execution share number, that is, the user has not obtained all the funds corresponding to the actual execution share number, so the second service platform needs to clear the funds that have not been returned to the user when clearing according to the transaction information. The second service platform first deducts the target number of shares from the actual execution share number to determine the number of shares to be returned, that is, the number of shares that the user wants to redeem but has not been returned to the user, and then determines the amount Z to be returned to the user based on the number of shares to be returned and the net value of the day, that is, the parameter to be executed.

[0077] In one embodiment of the present disclosure, after the second service platform determines the target number of shares, the number of shares to be returned and the parameters to be executed, it can form confirmation information based on the target number of shares, the number of shares to be returned and the parameters to be executed, and send the confirmation information to the proxy service platform. The confirmation information can be understood as the update information formed by the second service platform after clearing the transaction information, and the non-transaction transfer information and the share information not returned to the user and the corresponding funds to be returned can be obtained based on the confirmation information.

[0078] In step S240, the parameters to be executed are received, and the parameters of the first account are updated at the transaction end time point according to the parameters to be executed.

[0079] In one embodiment of the present disclosure, after the proxy service platform receives the confirmation information sent by the second service platform, it can update the actual execution parameters and additional execution parameters in the first sub-transaction information according to the target number of shares, and confirm the fund transfer information as the share transfer information; update the actual execution share number, actual execution parameters and additional execution parameters in the second sub-transaction information according to the number of shares to be returned and the parameters to be executed, confirm the M shares that the user actually wants to redeem as MN shares, and confirm the amount of X+Y yuan to be accounted as Z yuan, indicating that Z yuan still needs to be transferred to the user account.

[0080] In one embodiment of the present disclosure, after the second service platform determines the target number of shares and the parameters to be executed according to the transaction information, it is still unable to obtain the redemption funds in real time and transfer the funds to the user's first account or the capital account of the first service platform. Therefore, the funds that are not returned to the user and the funds that need to be paid to the first service platform can only be transferred to the corresponding accounts after the transaction is completed. In the embodiment of the present disclosure, the transaction completion time point mainly refers to the time point when the second service platform completes the liquidation and the redemption funds arrive. At the transaction completion time point, the second service platform, on the one hand, forcibly redeems the target number of shares in the account corresponding to the first service platform according to the actual execution parameters and additional execution parameters, and on the other hand, transfers the corresponding amount of funds to the capital account of the proxy service platform according to the parameters to be executed. After receiving the funds transferred by the second service platform, the proxy service platform can update the parameters of the user's first account according to the parameters to be executed, thereby completing the redemption corresponding to the actual number of executed shares. In an embodiment of the present disclosure, the proxy service platform determines second transaction information including actual execution parameters and additional execution parameters based on the first transaction information, the first service platform performs real-time user account parameter updates based on the actual execution parameters, and the second service platform determines parameters to be executed based on the first transaction information and the second transaction information, so that the proxy service platform updates the user account parameters based on the parameters to be executed. Data processing is performed collaboratively by different service platforms, which improves data processing efficiency, ensures real-time refunds after receiving the user's redemption request, and improves user experience.

[0081] In one embodiment of the present disclosure, a first transaction order can be formed according to actual execution parameters, and a second transaction order can be formed according to the number of shares to be returned. The first transaction order and the second transaction order can be displayed simultaneously or non-simultaneously in the interactive interface of the terminal device to enable the user to understand the order details. Figure 7 A schematic diagram of the interface of a transaction order is shown, Figure 7 As shown, in the interactive interface, the first transaction order 701 and the second transaction order 702 are displayed simultaneously. The first transaction order 701 displays the actual execution parameters, that is, the funds returned to the user in real time, and the possible arrival time of the funds. The second transaction order 702 displays the number of shares to be returned and the arrival time of the funds. Although the arrival time of the second transaction order 702 is the normal date of arrival of funds, it corresponds to the same redemption request as the first transaction order 701. Therefore, when the user initiates a redemption request, the order is fixed, and the corresponding shares or funds are deducted from the proxy service platform. Figure 4 Related, users in Figure 4 After clicking the "View Order" button in the interactive interface, you can jump directly to Figure 7The interface of the trading order shown. Of course, users can also click the order query button on the platform homepage to obtain Figure 7 The interface of the trading order shown.

[0082] In one embodiment of the present disclosure, if a user wants to redeem fund shares, the second service platform will transfer part of the user's fund shares to the first service platform. The implementation of these operations depends on the TA system in the second service platform. The TA system is the abbreviation of the open-end fund registration and settlement system of China Securities Depository and Clearing Corporation, which is used to register the fund shares of investors in Shanghai Securities Account or Shenzhen Account. The TA system is an important part of the fund transaction management system, covering all aspects of fund transaction business, including account business processing, such as investor account opening, account information modification, report loss / unblocking, etc.; daily transaction business processing, such as subscription, application (general application and regular fixed amount), redemption (general redemption, designated redemption, scheduled redemption, etc.), transfer of custody, fund conversion, etc.; special business processing, such as non-transaction transfer, account freezing / unfreezing, etc.; dividend business processing, such as cash dividend and dividend reinvestment; at the same time, the TA system also undertakes the management and maintenance of the entire fund transaction system, such as job management, teller management, fund information management, announcement information management, sales outlet management, system maintenance log management, query statistics function, etc.

[0083] In one embodiment of the present disclosure, the agency service platform may be a sales agency system, and the first service platform may be a funding bank system. Figure 8 An interactive flow chart of the data processing method is shown, such as Figure 8As shown, in step S801, the user sends a redemption request to the agency system at the time of transaction initiation; the redemption request contains the user's identification information, the bank card account of the bank card to be redeemed, and the redemption share. In step S802, after receiving the redemption request, the agency system calculates the first redemption amount according to the redemption share; when calculating the first redemption amount, it is necessary to calculate it according to the net value and discount ratio of the previous working day adjacent to the current time point. In step S803, the service fee amount is determined according to the first redemption amount; the service fee amount is calculated according to the first redemption amount, the service fee rate of the advance bank, and the advance duration. In step S804, a redemption order is generated according to the redemption share, the first redemption amount and the service fee rate, and a non-transaction transfer order is generated according to the first redemption amount and the service fee rate. In step S805, the redemption order is sent to the user's terminal device to be displayed in the interactive interface. In step S806, the agency system sends a payment request to the advance bank system according to the first redemption amount. In step S807, the advance payment bank system responds to the advance payment request, transfers the first redemption amount to the user's bank card account, and returns the transfer success information to the sales agency system. In step S808, at the end of the day's trading, the sales agency system reports the redemption order and the non-transaction transfer order to the fund company's TA system. In step S809, the TA system calculates the corresponding number of shares based on the first redemption amount, the service fee amount and the net value of the day in the non-transaction transfer order, and transfers the corresponding number of shares from the user's fund account to the fund account of the advance payment bank. In step S810, the TA system calculates the remaining shares in the user's fund account and calculates the amount to be returned based on the net value of the day. In step S811, the shares in the fund account of the advance payment bank are forcibly redeemed with the sum of the first redemption amount and the service fee amount. In step S812, the TA system generates confirmation information based on the remaining shares in the user's fund account, the amount to be returned, and the number of shares transferred to the advance bank, and sends it to the sales agency system, confirming the number of shares in the redemption order as the remaining shares, the funds received as the amount to be returned, and the amount of the non-transaction transfer order as the transferred shares. In step S813, on the day when the redemption funds arrive, the fund company transfers the sum of the first redemption amount and the service fee amount to the advance bank, and at the same time transfers the funds of the amount to be returned to the sales agency. In step S814, the sales agency transfers the received funds of the amount to be returned to the user's bank card account.

[0084] In the data processing method of the present invention, two transaction orders can be formed according to the first transaction data input by the user, that is, the actual number of executed shares. One is a real-time transaction order, and the user can receive most of the redemption funds immediately after submitting the redemption application. The other is a non-real-time transaction order, and the user can receive the remaining redemption funds only at the time of transaction completion. Compared with the related technology that requires waiting until the fund company's fund arrival date to get the redemption funds, the technical solution of the embodiment of the present invention can increase the rate of fund arrival, enhance the liquidity of fund products, improve user experience, and further enhance the user's intention to subscribe to and apply for such products. At the same time, the data processing method of the present invention calculates the actual execution parameters and the parameters to be executed through the proxy service platform and the second service platform respectively, which reduces the data processing amount of each service platform and improves data processing efficiency. In addition, when forming two transaction orders, after the user enters the shares he wants to redeem, the real-time amount to be received and the number of shares to be returned are determined based on the shares. In this way, the user can clearly know the amount that can be redeemed in real time and the number of shares that can be redeemed by the transaction deadline. In other words, the transaction mode in the disclosed embodiment is amount redemption and share confirmation, which is different from the existing transaction mode of redemption by shares and amount received. This makes the transaction more transparent, and the user can understand the progress of the funds arrival, further improving the user experience.

[0085] The data processing method in the disclosed embodiment can also be applied to scenarios such as the processing of redemption applications for net value-based financial products. Similar to the redemption process of net value-based fund products, the user initiates a request to redeem part or all of the shares of the financial product before the redemption funds arrive. The purchasing agency determines the amount of funds that can be returned to the user in real time based on the redemption shares, the net value corresponding to the current time point, and the discount ratio. The service fee that the user needs to pay is determined based on the amount of funds, the service fee rate of the advance payment bank, and the transaction duration. The service fee is transferred to the user's account in real time based on the amount of funds. At the end of the day, the redemption order and non-transaction transfer order formed based on the amount of funds returned to the user and the amount of service fees are reported to the product issuer, which can be a bank or a securities company. Securities companies, etc.; the product issuer determines the shares that need to be transferred from the user's wealth management account to the advance bank based on the redemption order and non-transaction transfer order, and determines the unreturned shares and the corresponding amount of funds in the user's redemption shares, and then forms confirmation information based on the shares transferred to the advance bank, the unreturned shares and the corresponding amount of funds, and sends it to the agency; finally, on the fund redemption settlement date, the product issuer forcibly redeems the shares transferred to the advance bank based on the amount of funds paid by the advance bank and the amount of service fees collected, and at the same time transfers the amount of funds corresponding to the unreturned shares to the agency, so that the agency transfers the amount of funds into the user's account. Among them, the advance bank and the product issuer can be the same bank, or the advance bank and the agency can be the same agency.

[0086] The following describes an apparatus embodiment of the present disclosure, which can be used to execute the data processing method in the above-mentioned embodiment of the present disclosure. For details not disclosed in the apparatus embodiment of the present disclosure, please refer to the above-mentioned data processing method of the present disclosure.

[0087] Fig. 9 A block diagram of a data processing device according to an embodiment of the present disclosure is schematically shown. The data processing device may be a computer program (including program code) running in a computer device, for example, the data processing device is an application software; the device may be used to execute corresponding steps in the method provided in the embodiment of the present application.

[0088] Reference Fig. 9 As shown, according to a data processing device 900 of an embodiment of the present disclosure, the data processing device 900 is arranged in an agent service platform, and includes: a data acquisition module 901, a first update module 902, an information sending module 903 and a second update module 904.

[0089] Specifically, the data acquisition module 901 is used to respond to the user's triggering operation at the transaction initiation time point, and obtain the first transaction data input by the user and displayed in the interactive interface; the first update module 902 is used to determine the second transaction data based on the first transaction data, and send the actual execution parameters in the second transaction data to the first service platform, so that the first service platform updates the parameters of the user's first account at a preset time point according to the actual execution parameters; the information sending module 903 is used to form transaction information based on the first transaction data and the second transaction data, and send the transaction information to the second service platform, so that the second service platform determines the parameters to be executed corresponding to the first transaction data according to the transaction information; the second update module 904 is used to receive the parameters to be executed, and update the parameters of the first account at the transaction end time point according to the parameters to be executed.

[0090] In one embodiment of the present disclosure, the first transaction data is the actual execution share number; the second transaction data also includes additional execution parameters; the first update module 902 includes: a first parameter determination unit, used to determine the actual execution parameters based on the actual execution share number, the first conversion ratio and the discount ratio; a second parameter determination unit, used to determine the additional execution parameters based on the actual execution parameters, the second conversion ratio and the transaction duration.

[0091] In one embodiment of the present disclosure, the transaction duration is the difference between the natural day corresponding to the preset time point and the natural day corresponding to the transaction end time point.

[0092] In one embodiment of the present disclosure, the first update module 902 is configured to: form an execution request according to the actual execution parameters; and send the execution request to the first service platform, so that the first service platform updates the parameters of the first account at the preset time point according to the actual execution parameters.

[0093] In one embodiment of the present disclosure, the information sending module 903 includes: a transaction information forming unit, used to form the transaction information based on the actual execution share number, the actual execution parameters and the additional execution parameters; a transaction information sending unit, used to send the transaction information to the second service platform at the first transaction deadline time point after the transaction initiation time point.

[0094] In one embodiment of the present disclosure, the transaction information forming unit is configured to: form the first sub-transaction information in the transaction information according to the actual execution parameters, the additional execution parameters, the identification information of the user and the identification information of the second service platform; and form the second sub-transaction information in the transaction information according to the actual execution share number, the actual execution parameters, the additional execution parameters and the identification information of the user.

[0095] In one embodiment of the present disclosure, the information sending module 903 includes: a target share determination unit, used to determine the target share number based on the actual execution parameter, the additional execution parameter and the third conversion ratio; an account updating unit, used to update the second account corresponding to the user in the second service platform according to the target share number; a to-be-returned share determination unit, used to determine the to-be-returned share number corresponding to the first transaction data based on the actual execution share number and the target share number; and a to-be-executed parameter determination unit, used to determine the to-be-executed parameter based on the to-be-returned share number and the third conversion ratio.

[0096] In one embodiment of the present disclosure, the account updating unit is configured to: transfer the shares corresponding to the target number of shares in the second account to an account corresponding to the second service platform.

[0097] In one embodiment of the present disclosure, the second update module 904 is configured to: receive confirmation information sent by the second service platform, the confirmation information including first confirmation information and second confirmation information, wherein the first confirmation information includes the target number of shares, and the second confirmation information includes the number of shares to be returned and the parameters to be executed.

[0098] In one embodiment of the present disclosure, the data processing device 900 is also configured to: at the end time of the transaction, forcibly redeem the target number of shares in the account corresponding to the first service platform according to the actual execution parameters and the additional execution parameters through the second service platform.

[0099] In one embodiment of the present disclosure, the data processing device 900 is also configured to: form a first transaction order according to the actual execution parameters, and simultaneously form a second transaction order according to the number of shares to be returned, and display the first transaction order and the second transaction order in the interactive interface.

[0100] In one embodiment of the present disclosure, the data processing device 900 is also configured to: before updating the parameters of the first account at the transaction end time point according to the parameters to be executed, update the parameters of the target account in the proxy service platform through the second service platform.

[0101] Fig.10 A schematic diagram of the structure of a computer system suitable for implementing a computer device of an embodiment of the present disclosure is shown.

[0102] It should be noted that Fig.10 The computer system 1000 of the computer device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present disclosure.

[0103] like Fig.10 As shown, the computer system 1000 includes a central processing unit (CPU) 1001, which can perform various appropriate actions and processes according to the program stored in the read-only memory (ROM) 1002 or the program loaded from the storage part 1008 to the random access memory (RAM) 1003, and realize the data processing method described in the above embodiment. In RAM 1003, various programs and data required for system operation are also stored. CPU 1001, ROM 1002 and RAM 1003 are connected to each other through bus 1004. Input / output (I / O) interface 1005 is also connected to bus 1004.

[0104] The following components are connected to the I / O interface 1005: an input section 1006 including a keyboard, a mouse, etc.; an output section 1007 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 1008 including a hard disk, etc.; and a communication section 1009 including a network interface card such as a LAN (Local Area Network) card, a modem, etc. The communication section 1009 performs communication processing via a network such as the Internet. A drive 1010 is also connected to the I / O interface 1005 as needed. A removable medium 1011, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1010 as needed so that a computer program read therefrom is installed into the storage section 1008 as needed.

[0105] In particular, according to an embodiment of the present disclosure, the process described below with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present disclosure includes a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program contains a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 1009, and / or installed from the removable medium 1011. When the computer program is executed by the central processing unit (CPU) 1001, various functions defined in the system of the present disclosure are executed. As an example, the computer program can be deployed to be executed on a computing device, or on multiple computing devices located at one location, or, on multiple computing devices distributed at multiple locations and interconnected by a communication network, and multiple computing devices distributed at multiple locations and interconnected by a communication network can constitute a blockchain system.

[0106] It should be noted that the computer-readable medium shown in the embodiment of the present disclosure may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM), a flash memory, an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by an instruction execution system, device or device or used in combination with it. In the present disclosure, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, wherein a computer-readable program code is carried. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate, or transmit programs for use by or in conjunction with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0107] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0108] The units involved in the embodiments described in the present disclosure may be implemented by software or hardware, and the units described may also be arranged in a processor. The names of these units do not, in some cases, constitute limitations on the units themselves.

[0109] As another aspect, the present disclosure further provides a computer-readable medium, which may be included in the data processing device described in the above embodiment; or may exist independently without being assembled into the computer device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a computer device, the computer device implements the method described in the above embodiment.

[0110] It should be noted that, although several modules or units of the device for action execution are mentioned in the above detailed description, this division is not mandatory. In fact, according to the embodiments of the present disclosure, the features and functions of two or more modules or units described above can be embodied in one module or unit. On the contrary, the features and functions of one module or unit described above can be further divided into multiple modules or units to be embodied.

[0111] Through the description of the above implementation, it is easy for those skilled in the art to understand that the example implementation described here can be implemented by software, or by software combined with necessary hardware. Therefore, the technical solution according to the implementation of the present disclosure can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a USB flash drive, a mobile hard disk, etc.) or on a network, including several instructions to enable a computing device (which can be a personal computer, a server, a touch terminal, or a network device, etc.) to execute the method according to the implementation of the present disclosure.

[0112] Those skilled in the art will readily appreciate other embodiments of the present disclosure after considering the specification and practicing the invention disclosed herein. The present disclosure is intended to cover any variations, uses or adaptations of the present disclosure that follow the general principles of the present disclosure and include common knowledge or customary technical means in the art that are not disclosed in the present disclosure.

[0113] It should be understood that the present disclosure is not limited to the exact structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A data processing method, characterized in that: Executed by an agent service platform, the method includes: In response to a trigger operation by a user at a transaction initiation time point, obtaining the actual number of executed shares input by the user and displaying it in an interactive interface; Determine the actual execution parameters according to the actual execution share number, the first conversion ratio and the discount ratio, and determine the additional execution parameters according to the actual execution parameters, the second conversion ratio and the transaction duration; Forming a redemption order of the user according to the actual execution parameters and the additional execution parameters, and sending the redemption order to the user's terminal device, and displaying the actual execution parameters and the additional execution parameters in an interactive interface of the terminal device to prompt the user of the amount of funds that can be obtained in real time through the paid cache and the amount of service fees that need to be paid; Sending the actual execution parameters to the first service platform, so that the first service platform updates the parameters of the first account of the user at a preset time point according to the actual execution parameters, and the discount ratio is used to discount the actual execution share number; Transaction information is formed based on the actual number of executed shares, the actual execution parameters and the additional execution parameters, and the transaction information is sent to the second service platform, so that the second service platform determines the parameters to be executed corresponding to the actual number of executed shares according to the transaction information in the following manner: determining the target number of shares according to the actual execution parameters, the additional execution parameters and the third conversion ratio; transferring the shares corresponding to the target number of shares in the second account corresponding to the user in the second service platform to the account corresponding to the first service platform; determining the number of shares to be returned corresponding to the actual number of executed shares according to the actual number of executed shares and the target number of shares; determining the parameters to be executed according to the number of shares to be returned and the third conversion ratio; receiving the parameters to be executed, and updating the parameters of the first account at the transaction end time point according to the parameters to be executed; At the transaction end time point, the target number of shares in the account corresponding to the first service platform is forcibly redeemed through the second service platform according to the actual execution parameters and the additional execution parameters.

2. The data processing method according to claim 1, characterized in that: The transaction duration is the difference between the natural day corresponding to the preset time point and the natural day corresponding to the transaction end time point.

3. The data processing method according to claim 1, characterized in that: The sending the actual execution parameter to the first service platform so that the first service platform updates the parameters of the first account of the user at a preset time point according to the actual execution parameter, includes: forming an execution request according to the actual execution parameters; The execution request is sent to the first service platform, so that the first service platform updates the parameters of the first account at the preset time point according to the actual execution parameters.

4. The data processing method according to claim 1, characterized in that: The sending the transaction information to the second service platform includes: The transaction information is sent to the second service platform at a first transaction deadline time point after the transaction initiation time point.

5. The data processing method according to claim 4, characterized in that: The forming of transaction information based on the actual execution share number, the actual execution parameter and the additional execution parameter comprises: forming first sub-transaction information in the transaction information according to the actual execution parameter, the additional execution parameter, the identification information of the user and the identification information of the second service platform; The second sub-transaction information in the transaction information is formed according to the actual execution share number, the actual execution parameter, the additional execution parameter and the identification information of the user.

6. The data processing method according to claim 4 or 5, characterized in that: The receiving the parameter to be executed includes: Receive confirmation information sent by the second service platform, the confirmation information including first confirmation information and second confirmation information, wherein the first confirmation information includes the target number of shares, and the second confirmation information includes the number of shares to be returned and the parameters to be executed.

7. The data processing method according to claim 4 or 5, characterized in that: The method further comprises: A first transaction order is formed according to the actual execution parameters, and a second transaction order is formed according to the number of shares to be returned, and the first transaction order and the second transaction order are displayed in the interactive interface.

8. The data processing method according to claim 4 or 5, characterized in that: The method further comprises: Before updating the parameters of the first account at the transaction end time point according to the parameters to be executed, updating the parameters of the target account in the proxy service platform through the second service platform.

9. A data processing device, characterized in that: Set in the proxy service platform, the device includes: A data acquisition module, for responding to a trigger operation by a user at a transaction initiation time point, acquiring the actual number of executed shares input by the user and displayed in the interactive interface; A first updating module, configured to determine an actual execution parameter according to the actual execution share number, the first conversion ratio and the discount ratio, and send the actual execution parameter to the first service platform, so that the first service platform updates the parameters of the first account of the user at a preset time point according to the actual execution parameter, and the discount ratio is used to discount the actual execution share number; The first updating module includes: a second parameter determination unit, configured to determine an additional execution parameter according to the actual execution parameter, the second conversion ratio and the transaction duration; An information sending module, used for forming transaction information according to the actual number of executed shares and the actual execution parameters, and sending the transaction information to the second service platform, so that the second service platform determines the parameters to be executed corresponding to the actual number of executed shares according to the transaction information; The information sending module includes: a transaction information forming unit, used to form the transaction information based on the actual execution share number, the actual execution parameter and the additional execution parameter; a target share determining unit, used to determine the target share number according to the actual execution parameter, the additional execution parameter and a third conversion ratio; an account updating unit, used to transfer the share corresponding to the target share number in the second account corresponding to the user in the second service platform to the account corresponding to the first service platform; a to-be-returned share determining unit, used to determine the to-be-returned share number corresponding to the actual execution share number according to the actual execution share number and the target share number; a to-be-returned parameter determining unit, used to determine the to-be-returned parameter according to the to-be-returned share number and the third conversion ratio; A second updating module, configured to receive the parameters to be executed, and update the parameters of the first account at a transaction end time point according to the parameters to be executed; The device is configured as follows: Forming a redemption order of the user according to the actual execution parameters and the additional execution parameters, and sending the redemption order to the user's terminal device, and displaying the actual execution parameters and the additional execution parameters in an interactive interface of the terminal device to prompt the user of the amount of funds that can be obtained in real time through the paid cache and the amount of service fees that need to be paid; At the transaction end time point, the target number of shares in the account corresponding to the first service platform is forcibly redeemed through the second service platform according to the actual execution parameters and the additional execution parameters.

10. A data processing system, characterized in that: include: The terminal device is used to respond to the trigger operation of the user at the time of initiating the transaction, receive and display the actual execution share number input by the user in the interactive interface; an agent service platform, connected to the terminal device, for receiving the actual number of executed shares sent by the terminal device, determining the actual execution parameters according to the actual number of executed shares, the first conversion ratio and the discount ratio, and determining the additional execution parameters according to the actual execution parameters, the second conversion ratio and the transaction duration, wherein the discount ratio is used to discount the actual number of executed shares; forming a redemption order of the user according to the actual execution parameters and the additional execution parameters, and sending the redemption order to the user's terminal device, and displaying the actual execution parameters and the additional execution parameters in the interactive interface of the terminal device to prompt the user of the amount of funds that can be obtained in real time through paid caching and the amount of service fees that need to be paid; forming transaction information based on the actual number of execution shares, the actual execution parameters and the additional execution parameters, and sending the transaction information to the second service platform; a first service platform connected to the proxy service platform, configured to respond to an execution request sent by the proxy service platform and formed according to the actual execution parameters, and update parameters of the first account of the user according to the actual execution parameters at a preset time point; A second service platform is connected to the proxy service platform and the first service platform, and is used to determine the to-be-executed parameters corresponding to the actual number of executed shares according to the transaction information, and send the to-be-executed parameters to the proxy service platform, so that the proxy service platform updates the parameters of the first account according to the to-be-executed parameters at the transaction end time point; wherein the second service platform determines the to-be-executed parameters corresponding to the actual number of executed shares according to the transaction information in the following manner: determining the target number of shares according to the actual execution parameters, the additional execution parameters and a third conversion ratio; and transferring the shares corresponding to the target number of shares in the second account corresponding to the user in the second service platform to the account corresponding to the first service platform; Determine the number of shares to be returned corresponding to the actual number of shares to be executed according to the actual number of shares to be executed and the target number of shares; determine the parameter to be executed according to the number of shares to be returned and the third conversion ratio; The proxy service platform is also used to: at the end time of the transaction, forcibly redeem the target number of shares in the account corresponding to the first service platform according to the actual execution parameters and the additional execution parameters through the second service platform.

11. A computer device, characterized in that: include: one or more processors; A storage device for storing one or more programs, which, when executed by the one or more processors, enables the one or more processors to execute the data processing method as claimed in any one of claims 1 to 8.

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