Financial product information push method, device, system, electronic equipment and medium

Abstract

The present invention relates to a method, device, system, electronic device and storage medium for pushing information of a target object. After obtaining a redemption fee query request for the target object's holdings, the terminal of the present invention sends it to a background server; the background server queries the target object's share details table and the redemption rate parameter table corresponding to the target object according to the redemption fee query request, and returns the holdings corresponding to each rate in the redemption rate parameter table to the terminal according to the share details table; the terminal obtains the shares to be redeemed, and determines and displays the redemption fee corresponding to the shares to be redeemed according to the holdings corresponding to each rate. The present invention can push accurate redemption fee information in real time at the terminal before the target object redemption operation; the calculation result is accurate, providing information support for the user's redemption operation decision, thereby reducing the risk of misoperation, and can be widely used in the field of financial data processing technology.

Description

Technical Field

[0001] The present invention relates to the technical field of financial data processing, and in particular to a method, device, system, electronic equipment and medium for pushing information of financial products. Background Art

[0002] As people's living standards improve, more and more people have the need to buy financial products. Take funds as an example. 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 taking risks. Users can obtain fund returns by purchasing fund shares. Fund companies are responsible for the specific operation of funds, receiving users' contributions and feeding back returns to users.

[0003] In the traditional financial product trading process, users cannot determine in advance the handling fees that will be incurred by the redemption operation as a basis for decision-making before redeeming the financial product. The data transparency of redemption transactions is low, and it is impossible to provide users with rich push information, which will increase the investment risk of users. Summary of the invention

[0004] In view of this, an embodiment of the present invention provides a method, device, system, electronic device and storage medium for pushing information of a financial product, so as to push out accurate redemption fee information in real time before the redemption operation of the financial product, thereby improving data transparency.

[0005] A first aspect of the present invention provides a method for pushing information of a financial product, comprising:

[0006] Receive redemption fee inquiry requests for financial product holdings;

[0007] According to the redemption fee query request, query the share details table of the financial product and the redemption rate parameter table corresponding to the financial product; wherein the share details table includes the redeemed shares and unredeemed shares of the financial product;

[0008] Determine the holding shares corresponding to each rate in the redemption rate parameter table according to the redeemed shares and the unredeemed shares in the share details table;

[0009] The holding shares corresponding to each rate are sent to the terminal so that the terminal displays the redemption fee corresponding to the shares to be redeemed; wherein the holding shares corresponding to each rate are used to determine the redemption fee corresponding to the shares to be redeemed based on the acquired shares to be redeemed.

[0010] A second aspect of the present invention provides a method for pushing information of a financial product, comprising:

[0011] Obtaining a redemption fee query request for the shares held in the financial product, and sending the redemption fee query request to the financial product agency sales system, so that the financial product agency sales system queries the share details table of the financial product and the redemption rate parameter table corresponding to the financial product according to the redemption fee query request, and returns the holding shares corresponding to each rate in the redemption rate parameter table according to the redemption shares and unredeemed shares in the share details table;

[0012] Receive the holding shares corresponding to each rate sent by the financial product agency sales system, and obtain the shares to be redeemed;

[0013] Determine the redemption fee corresponding to the to-be-redeemed shares according to the holding shares corresponding to each rate;

[0014] Displays the redemption fee corresponding to the shares to be redeemed.

[0015] A third aspect of the present invention provides a method for pushing information of a financial product, comprising:

[0016] The terminal obtains a redemption fee query request for the financial product holding shares, and sends the redemption fee query request to the financial product agency sales system;

[0017] The financial product agency sales system queries the share details table of the financial product and the redemption rate parameter table corresponding to the financial product according to the redemption fee query request, and returns the holding shares corresponding to each rate in the redemption rate parameter table to the terminal according to the redeemed shares and unredeemed shares in the share details table;

[0018] The terminal receives the holding shares corresponding to each rate sent by the financial product agency sales system, and obtains the shares to be redeemed; the terminal determines the redemption fee corresponding to the shares to be redeemed according to the holding shares corresponding to each rate;

[0019] The terminal displays the redemption fee corresponding to the shares to be redeemed.

[0020] A fourth aspect of the present invention provides a device for pushing information of a financial product, comprising:

[0021] A first receiving module, used to receive a redemption fee query request for a share of a financial product;

[0022] A query module, configured to query a share detail table of a financial product and a redemption rate parameter table corresponding to the financial product according to the redemption fee query request; wherein the share detail table includes the redeemed shares and unredeemed shares of the financial product;

[0023] A first determination module is used to determine the holding shares corresponding to each rate in the redemption rate parameter table according to the redeemed shares and unredeemed shares in the share details table;

[0024] A sending module is used to send the holding shares corresponding to each rate to the terminal so that the terminal displays the redemption fee corresponding to the shares to be redeemed; wherein the holding shares corresponding to each rate are used to determine the redemption fee corresponding to the shares to be redeemed based on the acquired shares to be redeemed.

[0025] A fifth aspect of the present invention provides a device for pushing information of a financial product, comprising:

[0026] An acquisition module, used to acquire a redemption fee query request for a share of a financial product, so that the financial product agency sales system queries a share detail table of the financial product and a redemption fee parameter table corresponding to the financial product according to the redemption fee query request, and returns the share corresponding to each rate in the redemption fee parameter table according to the redemption shares and unredeemed shares in the share detail table;

[0027] A second receiving module is used to receive the holding shares corresponding to each rate sent by the financial product agency sales system, and obtain the shares to be redeemed;

[0028] A second determination module is used to determine the redemption fee corresponding to the to-be-redeemed share according to the held share corresponding to each rate;

[0029] The display module is used to display the redemption fee corresponding to the shares to be redeemed.

[0030] A sixth aspect of the present invention provides a financial product information push system, including a financial product agency sales system and a terminal.

[0031] The financial product agency sales system includes:

[0032] A first receiving module, used to receive a redemption fee query request for a share of a financial product;

[0033] A query module, configured to query a share detail table of a financial product and a redemption rate parameter table corresponding to the financial product according to the redemption fee query request; wherein the share detail table includes the redeemed shares and unredeemed shares of the financial product;

[0034] A first determination module is used to determine the holding shares corresponding to each rate in the redemption rate parameter table according to the redeemed shares and unredeemed shares in the share details table;

[0035] A sending module, used for sending the holding share corresponding to each rate to the terminal;

[0036] The terminal comprises:

[0037] An acquisition module, used to acquire a redemption fee query request for a share of a financial product, and send the redemption fee query request to the financial product agency sales system;

[0038] A second receiving module is used to receive the holding shares corresponding to each rate sent by the financial product agency sales system, and obtain the shares to be redeemed;

[0039] A second determination module is used to determine the redemption fee corresponding to the to-be-redeemed share according to the held share corresponding to each rate;

[0040] The display module is used to display the redemption fee corresponding to the shares to be redeemed.

[0041] A seventh aspect of the present invention provides an electronic device, comprising a processor and a memory;

[0042] The memory is used to store programs;

[0043] The processor executes the program to implement the method described in the first aspect, the second aspect or the third aspect of the present invention.

[0044] An eighth aspect of the present invention provides a computer-readable storage medium, wherein the storage medium stores a program, and the program is executed by a processor to implement the method described in the first aspect, the second aspect, or the third aspect of the present invention.

[0045] After obtaining a redemption fee query request for a share of a financial product, the terminal of the embodiment of the present invention sends the redemption fee query request to the financial product agency sales system; the financial product agency sales system queries the share details table of the financial product and the redemption fee parameter table corresponding to the financial product according to the redemption fee query request, and returns the share corresponding to each rate in the redemption fee parameter table to the terminal according to the share details table; then, the terminal obtains the share to be redeemed, and determines the redemption fee corresponding to the share to be redeemed according to the share corresponding to each rate; finally, the redemption fee corresponding to the share to be redeemed is displayed; through the information of the financial product agency sales system and the terminal Interaction can push accurate redemption fee information in real time at the terminal before the redemption operation of the financial product, thereby improving the data transparency of the financial product transaction process; in addition, the embodiment of the present invention determines the holding shares corresponding to each rate through the redeemed shares and unredeemed shares in the share details table to calculate the redemption fees corresponding to the shares to be redeemed in each rate, fully considering the redeemed shares in the share details table to prevent the redemption shares from being used as holding shares in the calculation of the fees, thereby improving the accuracy of the fee calculation results, providing information support for the user's redemption operation decision, and thereby reducing the investment risk caused by the lack of reference data when the user makes investment operations. BRIEF DESCRIPTION OF THE DRAWINGS

[0046] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0047] Figure 1 A schematic diagram of an implementation environment provided for an embodiment of the present invention;

[0048] Figure 2 A flowchart of the steps of the information push method implemented by the financial product agency sales system;

[0049] Figure 3 A timing diagram of the steps of subscribing to a financial product provided by an embodiment of the present invention;

[0050] Figure 4 A timing diagram of the redemption steps of a financial product provided by an embodiment of the present invention;

[0051] Figure 5 A flowchart of the steps of the information push method executed by the terminal;

[0052] Figure 6 A schematic diagram of a display interface for redemption fees provided in an embodiment of the present invention;

[0053] Figure 7 A flowchart of the calculation of the handling fee of a financial product provided by an embodiment of the present invention;

[0054] Figure 8 A flowchart of the information push method using funds as financial products;

[0055] Fig. 9 A timing diagram for querying redemption fees provided in an embodiment of the present invention;

[0056] Fig.10 A schematic diagram of an interface display of redemption fee calculation rules provided in an embodiment of the present invention;

[0057] Fig.11 A schematic diagram of an information push device used in a financial product agency sales system;

[0058] Fig.12 A schematic diagram of an information push device applied to a terminal;

[0059] Fig.13 A schematic diagram of the structure of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0060] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0061] In the traditional financial product trading process, users cannot determine in advance the handling fees that will be generated by the redemption operation as a basis for decision-making before redeeming the financial product. When the handling fee is higher than the added value of the financial product, the user will suffer losses due to incorrect redemption operations. The error coefficient is high and cannot meet the user's investment needs for financial products.

[0062] To this end, an embodiment of the present invention provides a method for pushing information of financial products. The scheme queries the share details table of the financial product and the redemption rate parameter table corresponding to the financial product according to the redemption fee query request; then determines the holding share corresponding to each rate in the redemption rate parameter table according to the redeemed shares and unredeemed shares in the share details table; finally, determines the redemption fee corresponding to the to-be-redeemed share according to the holding share corresponding to each rate in the redemption rate parameter table. The present invention can push accurate redemption fee information in real time at the terminal before the redemption operation of the financial product, provide information support for the user's redemption operation decision, and thus reduce the risk of wrong operation of the user due to the lack of reference data during investment operations.

[0063] Figure 1 is a schematic diagram of the implementation environment involved in each embodiment of the present invention, such as Figure 1 As shown, the implementation environment may include: a terminal 101, a financial product agency sales system 102, and a financial product registration system 103. The terminal 101 and the financial product rating system 103 are respectively connected to the financial product agency sales system 102 in communication, and the communication connection may be a wireless connection or a wired connection, and the wireless connection may include but is not limited to a wireless fidelity (Wireless Fidelity, WIFI) connection, a data connection, a Bluetooth connection or an infrared connection, and the wired connection may include but is not limited to a Universal Serial Bus (Universal SerialBus, USB) connection.

[0064] exist Figure 1In the implementation environment diagram shown, the terminal can be the end where the user performs investment operations. The terminal can be any electronic product that can perform human-computer interaction through one or more methods such as keyboard, touchpad, touch screen, remote control, voice interaction or handwriting device, such as personal computer (PC), smart phone, personal digital assistant (PDA), wearable device, PPC (Pocket PC), tablet computer, smart car machine, smart TV, smart speaker, etc. Figure 1 The terminal is described by taking the smart phone 101 as an example.

[0065] The financial product agency sales system 102 may be a server, or a server cluster consisting of several servers, or a cloud computing service center. The financial product agency sales system may provide the terminal with services such as redemption fee inquiry.

[0066] The financial product registration system 103 may also be a server, or a server cluster consisting of several servers, or a cloud computing service center. The financial product registration system may provide financial product information storage services. For example, the financial product rating system may be a fund registration system, which may provide services such as fund subscription information storage, fund redemption information storage, and fund share holding information storage.

[0067] Specifically, users can perform investment operations through the terminal, such as obtaining redemption fee query requests for financial product holdings, financial product subscription requests, and financial product redemption requests. During the investment operation process, the terminal interacts with the financial product agency sales system by initiating the above-mentioned redemption fee query requests, financial product subscription requests, or financial product redemption requests, thereby achieving real-time push of accurate redemption fee information before the financial product redemption operation, providing information support for the user's redemption operation decision, and thus reducing the risk of wrong operations due to lack of reference data during user investment operations.

[0068] Those skilled in the art will understand that the terminal 101, the financial product agency system 102 and the financial product registration system 103 are merely examples, and other existing or future terminals or financial product agency systems or financial product registration systems, if applicable to the present application, should also be included in the scope of protection of the present application and are incorporated herein by reference.

[0069] It should be noted that the terminal of the embodiment of the present invention has the function of detecting the operation instruction input by the user. The operation instruction may be a click instruction, a long press instruction or a voice instruction. The implementation method of the operation instruction is not limited here. The user can perform investment operations through the terminal 101. During the investment operation, the user can obtain a redemption fee query request for the share held in the financial product through the terminal 101, and send the redemption fee query request to the financial product agency system; the user can also obtain a redemption fee query request for the share held in the financial product, and send the redemption fee query request to the financial product agency system; and the redemption request of the financial product can be obtained, and the subscription request can be sent to the financial product agency system.

[0070] The financial product agency sales system of the embodiment of the present invention has the function of communicating with the terminal and the financial product registration system. The financial product agency sales system can receive the redemption fee query request of the financial product holding share, the financial product subscription request and the financial product redemption request issued by the terminal, and perform corresponding processing according to the different requests received, so that the terminal determines the redemption fee corresponding to the share to be redeemed. The financial product agency sales system can include a financial product agency sales application (application, APP), such as: various banks' financial management APP, WeChat's financial management APP, Alipay APP, etc., and can also be a server in a financial product agency sales agency, etc.

[0071] The financial product registration system of the embodiment of the present invention has the function of communicating with the financial product agency sales system. The financial product registration system can receive the subscription application documents and redemption application documents issued by the financial product agency sales system, and return the corresponding confirmation documents to the financial product agency sales system according to the received documents. The financial product registration system can be a server in a financial company, and the communication connection between the financial product agency sales system and the financial product agency sales system is realized due to the financial product agency sales agreement.

[0072] The embodiment of the present invention provides a method for pushing information of financial products. Figure 2 is a method flow chart of a method for pushing information of a financial product provided by an embodiment of the present invention, which can be applied to Figure 1 The financial product agency sales system 102 in the implementation environment shown in the figure is executed by the financial product agency sales system, such as Figure 2 As shown, the method may include steps S210-S240:

[0073] S210, receiving a redemption fee inquiry request for a share of a financial product;

[0074] Among them, financial products refer to various carriers of the financing process, including currency, gold, foreign exchange, securities, etc. These financial products are the objects of buying and selling in the financial market. The supply and demand sides form the price of financial products, such as interest rates or yields, through the principle of market competition, and finally complete the transaction to achieve the purpose of financing. In the embodiment of the present invention, financial products generally refer to products that can be traded through Internet finance. Internet finance refers to a new financial business model in which traditional financial institutions and Internet companies use Internet technology and information and communication technology to achieve financing, payment, investment and information intermediary services. Internet finance is a new model and new business generated to meet new needs at the level of network technology such as security and mobility. The circulation of Internet financial products is generally based on electronic currency. The financial products of the embodiment of the present invention can be, for example, fund products, stock products, government bonds, etc., which are not limited here.

[0075] When a user performs an investment operation, such as a redemption operation of a financial product, a redemption request needs to be sent to the financial product registration system for redemption processing. However, in this process, the user cannot know the corresponding handling fee of the redemption operation in advance, so an erroneous operation may occur, resulting in financial loss. The embodiment of the present invention first receives a redemption handling fee query request for the financial product holding share issued by the terminal before the user performs the redemption operation, so as to query the redemption handling fee corresponding to the current holding share and provide decision support for the user's redemption operation.

[0076] It should be noted that the holdings in the embodiment of the present invention refer to the shares of financial products that the user has subscribed to and has recorded in the financial product registration system. The shares that the user is initiating subscription but has not completed the record in the financial product registration system do not belong to the holdings in the embodiment of the present invention. The embodiment of the present invention can improve the accuracy of the calculation of the redemption fee by accurately confirming the holdings of financial products.

[0077] S220. According to the redemption fee query request, query the share details table of the financial product and the redemption rate parameter table corresponding to the financial product; wherein the share details table includes the redeemed shares and unredeemed shares of the financial product.

[0078] Specifically, after receiving the fee inquiry request, the financial product agency sales system of the embodiment of the present invention can search for the share details corresponding to the financial product identifier in the financial product registration system according to the financial product identifier included in the fee inquiry request; in addition, the financial product agency sales system itself can also store relevant information such as the share details of the financial product. In this case, after receiving the fee inquiry request, the financial product agency sales system directly searches for the share details corresponding to the financial product identifier. For example, a user sends a redemption fee inquiry request for fund product A through a terminal. After receiving the redemption fee inquiry request, the financial product agency sales system identifies the identifier of fund product A. Based on the identifier, the share details of the financial product corresponding to the identifier held by the user can be matched in the financial product registration system, or the share details of the financial product corresponding to the identifier held by the user can be matched in the financial product agency sales system.

[0079] It is understandable that the financial product identifier is used to determine the type and attributes of the financial product. The financial product identifier can be, for example, a set of strings, through which string matching can be performed in the financial product agency system or the financial product registration system, thereby determining the specific financial product corresponding to the fee query request. The embodiment of the present invention does not limit the form of the financial product identifier.

[0080] In addition, for each financial product, there is a preset redemption rate parameter table for the financial product. After receiving the handling fee query request, the embodiment of the present invention can search for the redemption rate parameter table of the financial product according to the financial product identifier. For some financial products, the redemption rate can be determined according to the holding time of the financial product. For example, a redemption rate table that determines the redemption rate according to the holding time is shown in Table 1:

[0081] Table 1

[0082]

[0083]

[0084] In Table 1, when the holding period of the financial product is 0-7 days, the redemption rate is 1.5%; when the holding period of the financial product is 7-30 days, the redemption rate is 0.75%; when the holding period of the financial product is 30-365 days, the redemption rate is 0.5%; when the holding period of the financial product is 365-730 days, the redemption rate is 0.25%; when the holding period of the financial product is greater than 730 days, the redemption rate is 0. In addition, the redemption rate of the financial product can also be determined according to the number of redemption shares, and the embodiment of the present invention does not limit the setting rules of the redemption rate.

[0085] S230, determining the holding shares corresponding to each rate in the redemption rate parameter table according to the redeemed shares and unredeemed shares in the share details table;

[0086] Specifically, after determining the share schedule of the financial product, the embodiment of the present invention further clarifies the holding shares corresponding to each rate. For example, when the redemption rate is determined based on the holding time of the financial product, the redemption rate of the corresponding shares at each subscription time can be confirmed based on the share subscription time recorded in the share schedule. Assuming that the current date is October 1, 2000, the subscription shares of the fund product on September 30, 2000 are 1,000 shares, and the subscription shares of the fund product on September 10, 2000 are 2,000 shares, then according to the above redemption rate table 1, the redemption rate of the 1,000 shares of the fund product with a subscription time of September 30, 2000 is 1.5%; the redemption rate of the 2,000 shares of the fund product with a subscription time of September 10, 2000 is 0.75%.

[0087] It can be understood that the embodiment of the present invention determines the holding shares corresponding to each rate in the redemption rate parameter table through the redeemed shares and unredeemed shares in the share details table, fully considering the redeemed shares in the share details table, and can prevent the redemption shares from being used as holding shares in the process of calculating the handling fee, thereby improving the accuracy of the handling fee calculation results.

[0088] For example, on October 1, 2000, a user initiated an operation to redeem 100 shares of a fund product; then, on October 2, 2000, the user initiated an operation to redeem 200 shares of the fund product again. At this time, since the 100 redemptions initiated on October 1 have not yet been registered in the fund registration system, the 100 shares of the fund still belong to the total shares under the user's account, that is, the redeemed shares. The embodiment of the present invention determines that after the redemption shares are determined, the unredeemed shares can be accurately calculated, and then the unredeemed shares are substituted into the redemption rate parameter table to calculate the holding shares corresponding to each rate, thereby improving the accuracy of the fee calculation results.

[0089] S240. Send the holding shares corresponding to each rate to the terminal so that the terminal displays the redemption fee corresponding to the shares to be redeemed; wherein the holding shares corresponding to each rate are used to determine the redemption fee corresponding to the shares to be redeemed based on the acquired shares to be redeemed.

[0090] Specifically, after determining the holding share corresponding to each rate, the financial product agency sales system of the embodiment of the present invention can send the holding share corresponding to each rate to the terminal, and the terminal calculates the handling fee of each rate corresponding to the to-be-redeemed share according to the acquired to-be-redeemed share to obtain the total redemption handling fee. The holding share corresponding to each rate determined by the financial product agency sales system in the embodiment of the present invention enables the terminal to determine the redemption handling fee corresponding to different to-be-redeemed shares, provides decision support for the user's redemption operation, and reduces the risk of misoperation.

[0091] In some embodiments, the above step S220 includes steps S221-S223:

[0092] S221. Determine the total shares in the share detail table and the redeemed shares in the share detail table of the financial product according to the user identifier and the financial product identifier in the redemption fee query request;

[0093] Specifically, the user identifier is used to determine the unique corresponding user, for example, the user identifier can be an International Mobile Subscriber Identity (IMSI) or other user identification code. Based on the unique user identifier and the unique financial product identifier, the total share list of the corresponding financial product under the unique user's account can be determined.

[0094] It should be noted that the embodiment of the present invention also determines the redemption shares in the share list according to the redemption fee query request. The redemption shares refer to the shares for which the user has initiated a redemption request at the terminal but has not yet been confirmed for redemption in the fund registration system. Such shares are still in the total shares of the user's share list.

[0095] S222. Determine the unredeemed shares in the share details table based on the total shares and the redeemed shares;

[0096] Specifically, the embodiment of the present invention deducts the redeemed shares from the total shares in the share details table, and the remaining shares are the unredeemed shares. The unredeemed shares in the share details table of the embodiment of the present invention can accurately represent all valid shares currently held by the user, and further can accurately calculate the redemption fees corresponding to all valid shares, thereby providing accurate push information to the user.

[0097] S223. Determine a redemption rate parameter table corresponding to the financial product according to the financial product identifier in the redemption fee query request.

[0098] Specifically, the embodiment of the present invention matches the financial product identification in the financial product agency sales system or the financial product registration system to obtain a redemption rate parameter table under the identification, such as shown in Table 1.

[0099] In some embodiments, the method further comprises a step of purchasing a financial product. Figure 3 A timing diagram of the steps for subscribing to financial products executed by the financial product agency sales system, such as Figure 3 As shown, the purchase step includes steps S261-S263:

[0100] S261. Receive a purchase request for a financial product;

[0101] Specifically, the financial product agency sales system of an embodiment of the present invention receives a financial product subscription request issued by a terminal, and the subscription request includes a user identifier and a financial product identifier. After the financial product agency sales system parses the subscription request to obtain the user identifier and the financial product identifier, it can determine the unique user and the unique financial product corresponding to the current subscription request.

[0102] S262, sending a purchase application document to the financial product registration system according to the purchase request, so that the financial product registration system returns a purchase confirmation document;

[0103] Specifically, the embodiment of the present invention sends a subscription application file to the financial product registration system based on the user identifier and financial product identifier parsed from the subscription request for the financial product. The subscription application file is used to clarify to the financial product registration system the subscription share and subscription time of the financial product corresponding to the subscription request.

[0104] S263. Register and update the share information in the share details table according to the subscription confirmation document.

[0105] Specifically, the embodiment of the present invention registers and updates the share list through the financial product agency sales system. At this time, the share list is stored in the financial product agency sales system. It is understandable that the share list can also be stored in the financial product registration system. At this time, the share list is registered and updated through the financial product registration system. The embodiment of the present invention does not limit the storage location of the share list.

[0106] In some embodiments, the step of redeeming the financial product is also included. Figure 4 A timing diagram of the redemption steps of a financial product provided in an embodiment of the present invention, which specifically includes steps S271-S273:

[0107] S271. Receive a redemption request for a financial product;

[0108] Specifically, the financial product distribution system of an embodiment of the present invention receives a redemption request for a financial product issued by a terminal, and the redemption request includes a user identifier and a financial product identifier. After the financial product distribution system parses the user identifier and the financial product identifier from the redemption request, it can determine the unique user and the unique financial product corresponding to the current redemption request.

[0109] S272. Sending a redemption application document to the financial product registration system according to the redemption request, so that the financial product registration system returns a redemption confirmation document;

[0110] Specifically, the embodiment of the present invention sends a redemption application file to the financial product registration system according to the user identifier and the financial product identifier parsed in the redemption request of the financial product. The redemption application file is used to clarify the redemption share of the financial product corresponding to the redemption request to the financial product registration system.

[0111] S273. According to the redemption confirmation document, the redemption shares in the redemption request are deducted from the share details table.

[0112] It can be understood that the share details table of the embodiment of the present invention can be stored in the financial product agency system, and can also be stored in the financial product registration system.

[0113] Specifically, for the share list stored in the financial product agency sales system, after the financial product agency sales system receives the redemption confirmation document, the financial product agency sales system updates the share list and deducts the redemption share in the redemption request from the share list. For the share list stored in the financial product registration system, after the financial product registration system receives the redemption application document, it generates a redemption confirmation document and deducts the redemption share in the redemption request from the share list according to the redemption confirmation document.

[0114] In some embodiments, step S273 includes S2731 and S2732:

[0115] S2731. Obtain the registered shares of different registration dates in the share details table;

[0116] Specifically, the embodiment of the present invention adopts the first-in-first-out principle for redemption of redemption shares. Therefore, step S2731 first obtains the registration date of each share of the financial product. For example, the user's financial product subscription record is shown in Table 2:

[0117] Table 2

[0118] Registration Date Share September 3, 2020 1000 copies September 4, 2020 2000 copies September 5, 2020 3000 copies

[0119] In Table 2, the user subscribed for 1,000 shares of a financial product on September 3, 2020, 2,000 shares of the same financial product on September 4, 2020, and 3,000 shares of the same financial product on September 5, 2020. Step S2731 of the embodiment of the present invention determines the registered shares under the above three dates from the share details table.

[0120] S2732. Based on the redemption shares in the redemption confirmation document, the redemption shares are deducted from the registered shares of the corresponding registration date in the order of registration dates.

[0121] Specifically, based on the first-in-first-out principle, the embodiment of the present invention deducts the redemption shares in the redemption confirmation document in the order of the registration date when the financial product is subscribed. For example, if the redemption shares are 1,500 shares, then according to the holding shares shown in Table 2 above, the 1,000 shares with the earliest registration date are first deducted, and the remaining 500 shares are deducted from the 2,000 shares with a registration date of September 4, 2020. Therefore, in this embodiment, the share details after deducting the redemption shares are shown in Table 3:

[0122] Table 3

[0123] Registration Date Share September 3, 2020 1000 copies - 1000 copies = 0 September 4, 2020 2000 copies - 500 copies = 1500 copies September 5, 2020 3000 copies

[0124] The shares registered on September 3, 2020 are 0, the shares registered on September 4, 2020 are 1,500, and the shares registered on September 5, 2020 remain at 3,000.

[0125] It can be understood that the embodiment of the present invention deducts the shares in the redemption confirmation document according to the order of registration date and the first-in-first-out principle, so that the first subscribed shares can be redeemed to the greatest extent, and the handling fee for redemption shares is calculated at the lowest redemption rate. Because according to the redemption rate table shown in Table 1 of the embodiment of the present invention, the longer the holding time of the financial product, the lower the corresponding redemption rate, thereby reducing the user's investment loss.

[0126] Figure 5 is a flowchart of a method for pushing information of a financial product provided by an embodiment of the present invention, which can be applied to Figure 1 The terminal 101 in the implementation environment shown is as follows: Figure 5 As shown, the method includes steps S510-S540:

[0127] S510, obtaining a redemption fee query request for the holding shares of the financial product, and sending the redemption fee query request to the financial product agency sales system, so that the financial product agency sales system queries the share details table of the financial product and the redemption fee parameter table corresponding to the financial product according to the redemption fee query request, and returns the holding shares corresponding to each fee rate in the redemption fee parameter table according to the share details table;

[0128] Specifically, an embodiment of the present invention obtains a redemption fee query request for a financial product holding share through a terminal, the request including a user identifier and a financial product identifier, the user identifier can be used to confirm a unique user identity, and the financial product identifier can be used to confirm a unique financial product type.

[0129] S520, receiving the holding shares corresponding to each rate sent by the financial product agency sales system, and obtaining the shares to be redeemed;

[0130] Specifically, the terminal of the embodiment of the present invention receives the holding shares corresponding to each rate sent by the financial product agency sales system, wherein the holding shares corresponding to each rate are obtained by the above step S230. Then, the terminal continues to obtain the shares to be redeemed. It can be understood that the shares to be redeemed can be the specific share values ​​input by the user into the terminal, or can be the share values ​​automatically generated by the preset redemption rules. For example, after knowing the holding shares corresponding to each rate, the user only redeems the corresponding shares with a rate of 0% according to actual needs. Then the user can input the holding share value with a redemption rate of 0% into the terminal so that the terminal performs the corresponding redemption processing. For another example, according to actual needs, the preset redemption rule is "automatically redeem the shares with a redemption rate of 0%". Then, according to the preset redemption rule, the shares to be redeemed obtained by the terminal are the holding share values ​​with a redemption rate of 0%.

[0131] S530, determining the redemption fee corresponding to the to-be-redeemed shares according to the holding shares corresponding to each rate;

[0132] Specifically, after obtaining the shares to be redeemed, the terminal can calculate the redemption fee corresponding to the shares to be redeemed according to the holding shares corresponding to each rate.

[0133] S540. Display the redemption fee corresponding to the shares to be redeemed.

[0134] Specifically, the embodiment of the present invention instantly displays the redemption fee corresponding to the to-be-redeemed shares through the terminal, and provides information support to the user before the user performs the redemption operation, which can reduce the risk of wrong operation of the user due to lack of reference data during investment operations.

[0135] For example, Figure 6 Schematic diagram of the display interface of the redemption fee provided in the embodiment of the present invention. Figure 6 As shown, in this embodiment, the number of shares to be redeemed obtained by the terminal is 400, and the redemption fee corresponding to the shares to be redeemed obtained according to step S530 is 0.23 yuan. Figure 6 The terminal display interface shown includes a calculation details box 601 for the amount received, which is used to push or display the calculation process of the specific amount received after redeeming the financial product to the user. Figure 6 In the account amount calculation details box 601, the information "actual amount received = withdrawn shares × unit net value - withdrawal fee" is displayed.

[0136] like Figure 6As shown, the interface also includes a withdrawal fee calculation rule box 602, which is used to push or display the calculation rules of the fee to the user. For example, in this embodiment, the calculation rules displayed in the withdrawal fee calculation rule box 602 include: 1. Withdrawal is based on the first-in-first-out principle, and the first-purchased product shares are withdrawn first; 2. The withdrawal fee is calculated according to the corresponding rate based on the holding period of each purchase.

[0137] like Figure 6 As shown, the interface also displays the to-be-redeemed shares (ie, the currently withdrawn shares) and the handling fee corresponding to the to-be-redeemed shares in the first to-be-redeemed information prompt box 603 .

[0138] like Figure 6 As shown, the interface also displays the holding shares corresponding to each rate in the to-be-redeemed shares (i.e., the currently withdrawn shares) in the second to-be-redeemed information prompt box 604. Figure 6 As shown, among the 400 shares to be redeemed, 100 shares are held for 365-729 days, and 300 shares are held for more than 730 days. Accordingly, according to the redemption rate table, the redemption rate of the above 100 financial products is 0.15%, and the redemption rate of 300 financial products is 0.00%. Assuming that the net value of the financial product is 1.5 yuan per share, the redemption fee corresponding to the 400 shares to be redeemed is calculated to be 100×1.5×0.15%+300×1.5×0.00%=0.23 yuan.

[0139] In some embodiments, the terminal may also provide a convenient button 605 for user operation, such as Figure 6 As shown, the user can use the convenient button 605 to directly extract the fee-free shares from the shares to be redeemed for redemption.

[0140] Figure 7 A flowchart of the calculation of the handling fee of a financial product provided in an embodiment of the present invention. In some embodiments, Figure 7 As shown, step S530 includes steps S531-S534:

[0141] S531. Determine the redemption fee of the holding shares corresponding to each rate according to the holding shares corresponding to each rate;

[0142] S532, according to the held shares and the to-be-redeemed shares corresponding to each rate, determining the shares to be redeemed corresponding to each rate;

[0143] Specifically, the embodiment of the present invention deducts the shares to be redeemed from the shares held at each rate in the order of redemption rates from low to high. For example, assuming that the redemption rate is 1.5%, the corresponding shares are 300, the redemption rate is 0.5%, and the corresponding shares are 50, when the redemption rate is 0%. When the number of shares to be redeemed is 150, according to step S532 of the embodiment of the present invention, firstly, 50 shares with a redemption rate of 0% are used as the first redemption shares, then 50 shares with a redemption rate of 0.5% are used as the second redemption shares, and finally, 50 shares with a redemption rate of 1.5% are used as the third redemption shares. The above first redemption shares, second redemption shares, and third redemption shares are the shares of the shares to be redeemed in each rate determined by this embodiment.

[0144] S533. Obtain the real-time net value of the financial product, and calculate the redemption fee of the corresponding share in each rate according to the real-time net value and each rate;

[0145] Specifically, the calculation formula of the redemption fee of the embodiment of the present invention is: redemption fee = redemption share × redemption rate * unit net value. After determining the share corresponding to the redemption share in each rate, the embodiment of the present invention calculates the redemption fee of the redemption share corresponding to each rate. For example, assuming that the unit net value of the current financial product is 1.5 yuan, according to the 150 redemption shares in the example of step S532 above, the redemption fees under each rate are: (1) in the first redemption share of 0.0% rate, the first redemption fee = 50 × 0.0% × 1.5 = 0 yuan; (2) in the second redemption share of 0.5% rate, the second redemption fee = 50 × 0.5% × 1.5 = 0.375 yuan; (3) in the third redemption share of 1.5% rate, the third redemption fee = 50 × 1.5% × 1.5 = 1.125 yuan.

[0146] S534. According to the redemption fees of the shares corresponding to each rate, the redemption fees of the shares to be redeemed are summarized.

[0147] Specifically, the embodiment of the present invention obtains the redemption fee of the share to be redeemed by adding the redemption fee of the share corresponding to each rate obtained in step S533. For example, as shown in the above step S533, the redemption fee of the share to be redeemed in this embodiment = the first redemption fee + the second redemption fee + the third redemption fee = 1.5 yuan.

[0148] like Figure 5 As shown, in some embodiments, the method further includes step S550 or S560:

[0149] S550: Obtain a purchase request for the financial product, and send the purchase request to the financial product agency sales system, so that the financial product agency sales system sends a purchase application document to the financial product registration system according to the purchase request, and registers and updates the share information in the share details table according to the purchase confirmation document returned by the financial product registration system;

[0150] Specifically, an embodiment of the present invention can obtain a subscription request for a financial product through a terminal, wherein the subscription request includes a user identifier and a financial product identifier. After the financial product agency sales system parses the subscription request to obtain the user identifier and the financial product identifier, it can determine the unique user and the unique financial product corresponding to the current subscription request.

[0151] S560. Obtain the redemption request for the financial product and send the purchase request to the financial product distribution system, so that the financial product distribution system sends the redemption application document to the financial product registration system according to the redemption request, and deducts the redemption share in the redemption request from the share details table according to the redemption confirmation document returned by the financial product registration system.

[0152] Specifically, the redemption request includes a user identifier and a financial product identifier. After the financial product agency system parses the user identifier and the financial product identifier from the redemption request, it can determine the unique user and the unique financial product corresponding to the current redemption request.

[0153] To sum up, the embodiments of the present invention can push accurate redemption fee information in real time at the terminal before the financial product redemption operation through information interaction between the financial product agency sales system and the terminal; in addition, the embodiments of the present invention calculates the redemption fee corresponding to the to-be-redeemed shares at each rate by determining the holding shares corresponding to each rate. The calculation result is accurate, which provides information support for the user's redemption operation decision, thereby reducing the risk of erroneous operations caused by the lack of reference data during user investment operations.

[0154] Figure 8 The flowchart of the information push method is based on the example of a fund as a financial product. The steps of the method are respectively Figure 1 The terminal 101, the financial product agency system 102 and the financial product registration system 103 in the implementation environment shown in the figure are executed accordingly. Figure 8 As shown, the method includes steps S810-S840:

[0155] S810, the terminal obtains a redemption fee query request for fund holdings, and sends the redemption fee query request to the fund agency sales system;

[0156] Specifically, Fig. 9 A timing diagram for querying redemption fees provided by an embodiment of the present invention, combined with Fig. 9The timing diagram of the present invention first executes step S910, that is, a redemption fee query request is sent through the terminal. According to the communication process between the terminal and the fund agency system, the fund agency system receives the redemption fee query request sent by the terminal.

[0157] S820. The fund agency sales system queries the fund share details table and the redemption fee parameter table corresponding to the fund according to the redemption fee query request, and returns the holding shares corresponding to each rate in the redemption fee parameter table to the terminal according to the share details table;

[0158] Specifically, step S820 of the embodiment of the present invention can be performed as follows: Figure 2 The steps S220-S240 shown are implemented. Fig. 9 As shown in the timing diagram, the embodiment of the present invention sequentially executes steps S920, S930 and S940. The fund agency sales system of the embodiment of the present invention queries the share list according to the redemption fee query request, obtains the total shares held, and determines the unredeemed shares in the fund's share list by querying the redemption shares; then queries the redemption fee rate table corresponding to the fund.

[0159] S830, the terminal receives the holding shares corresponding to each rate sent by the fund agency system, and obtains the shares to be redeemed; the terminal determines the redemption fee corresponding to the shares to be redeemed according to the holding shares corresponding to each rate;

[0160] Specifically, step S830 of the embodiment of the present invention can be performed by Figure 7 The steps S531-S534 shown are implemented. Fig. 9 As shown in the timing diagram, the fund agency sales system of the embodiment of the present invention executes steps S950 and S960, calculates the holding shares of each rate and sends the holding shares of each rate to the terminal; then, the terminal executes steps S970 and S980, and the terminal can display the holding shares of each rate, so that the user can check each holding share in time and directly enter the number of shares to be redeemed. For example, when the user finds that the holding shares corresponding to the 0.00% rate are 100 shares, he can directly enter 100 as the redemption share and directly redeem the fund of the share without considering other factors, which is highly convenient. The terminal also calculates the redemption fee based on the acquired shares to be redeemed.

[0161] S840. The terminal displays the redemption fee corresponding to the shares to be redeemed.

[0162] like Figure 8 As shown, in some embodiments, the method further includes S851-S852 or S861-S862:

[0163] S851. The terminal obtains a fund purchase request and sends the purchase request to the fund agency sales system;

[0164] Specifically, step S851 of the embodiment of the present invention can be performed by Figure 5 The step S550 shown in is implemented.

[0165] S852. The fund agency system sends the subscription application document to the fund registration system according to the subscription request, and registers and updates the share information in the share details table according to the subscription confirmation document returned by the fund registration system;

[0166] Specifically, step S852 of the embodiment of the present invention can be implemented by the above steps S261-S263.

[0167] S861. Obtain a redemption request for the fund, and send the redemption request to the fund agency sales system;

[0168] Specifically, step S861 of the embodiment of the present invention can be performed by Figure 5 The step S560 shown in is implemented.

[0169] S862. The fund agency system sends a redemption application document to the fund registration system based on the redemption request, and deducts the redemption shares in the redemption request from the share details table based on the redemption confirmation document returned by the fund registration system.

[0170] Specifically, step S862 of the embodiment of the present invention can be implemented by the above steps S271-S273.

[0171] The following uses the redemption rate table shown in Table 4, the share details table shown in Table 5, and the redemption fee statistics table shown in Table 6 as examples to illustrate the overall process of the financial product information push method according to the embodiment of the present invention:

[0172] Table 4

[0173] Holding days Fee Rate 0-7 days 1.5％ 8-30 days 0.5％ More than 30 days 0％

[0174] Table 5

[0175] Registration Date Share January 10, 2020 1000 February 15, 2020 2000 February 20, 2020 3000

[0176] Table 6

[0177] Share Rates Fees 3000 1.5％ 3000*1.5*1.5％＝67.5 2000 0.5％ 2000*1.5*0.5％＝15 1000 0.0％ 1000*1.5*0.0％＝0

[0178] In an embodiment of the present invention, the redemption fee table is shown in Table 4. When the holding days of the financial product is 0-7 days, the corresponding redemption fee rate is 1.5%; when the holding days of the financial product is 8-30 days, the corresponding redemption fee rate is 0.5%; when the holding days of the financial product is more than 30 days, the corresponding redemption fee rate is 0%.

[0179] In this embodiment of the present invention, the user holds 6,000 shares of the financial product, and the share details of the registration dates corresponding to each share are shown in Table 5, among which 1,000 shares are registered for subscription on January 10, 2020; 2,000 shares are registered for subscription on February 15, 2020; and 3,000 shares are registered for subscription on February 20, 2020.

[0180] Assuming that the date of initiating the redemption operation is February 23, 2020, the user applies to redeem 6,000 financial products, and the real-time net value of the financial product is 1.5 yuan / share, the redemption fee statistics table shown in Table 6 is obtained. According to the registration time of each financial product, the redemption rate of each financial product is confirmed. Among them, the holding time of 1,000 financial products subscribed and registered on January 10, 2020 is 40 days, so the redemption rate is 0.0%, the holding time of 2,000 financial products subscribed and registered on February 15, 2020 is 8 days, so the redemption rate is 0.5%, and the holding time of 3,000 financial products subscribed and registered on February 20, 2020 is 3 days, so the redemption rate is 1.5%. In summary, the redemption fees corresponding to each share are calculated as shown in Table 6, and the redemption fees for 6,000 financial products are 67.5+15+0=82.5 yuan in total.

[0181] In the embodiment of the present invention, Fig.10 As shown, the terminal interface can display the calculation rules of the redemption fee. Fig.10 As shown, the terminal interface may provide a "buy rule query button" 1001 and a "withdrawal rule query button" 1002. The embodiment of the present invention introduces in detail a display interface 1004 of the "withdrawal rule". The user can select to view the "withdrawal rule" through the "withdrawal rule query button" 1002. For different types of financial products, the terminal will display the corresponding content. Fig.10 1004 is the withdrawal rule display interface of the financial product of the embodiment of the present invention. The interface includes a redemption rate example area 1003, a redemption fee calculation formula area 1006, a redemption time example area 1005, and an estimated time area 1007 for redemption. Among them, the redemption rate example area 1003 is used to display different rates corresponding to different holding times of the current financial product; the estimated time area 1007 for redemption is used to display the time when the amount corresponding to the redemption operation arrives in the account, providing more abundant push information for the user's redemption operation.

[0182] After calculating the redemption fees corresponding to each share according to Table 6, the redemption fees corresponding to the above-mentioned shares can be displayed on the terminal, as well as the total fees generated by the redemption of 6,000 financial products, so that users can make redemption operations that meet their expectations and reduce the risk of misoperation.

[0183] Fig.11 A schematic diagram of an information push device applied to a financial product agency sales system is provided for an embodiment of the present invention. The information push device is applied to the financial product agency sales system. For example, the device can implement part or all of the functions of the financial product agency sales system through hardware or a combination of hardware and software to implement the steps in the above-mentioned financial product information push method, such as Fig.11 As shown, the information push device includes:

[0184] The first receiving module 1101 is used to receive a redemption fee query request for a share of a financial product;

[0185] The query module 1102 is used to query the share details table of the financial product and the redemption rate parameter table corresponding to the financial product according to the redemption fee query request; wherein the share details table includes the redeemed shares and unredeemed shares of the financial product;

[0186] The first determination module 1103 is used to determine the holding shares corresponding to each rate in the redemption rate parameter table according to the redeemed shares and unredeemed shares in the share details table;

[0187] The sending module 1104 is used to send the holding shares corresponding to each rate to the terminal so that the terminal displays the redemption fee corresponding to the shares to be redeemed; wherein the holding shares corresponding to each rate are used to determine the redemption fee corresponding to the shares to be redeemed based on the acquired shares to be redeemed.

[0188] It should be noted that Figure 2 The contents of the information push method embodiment shown in the figure are applicable to the information push device embodiment. The functions specifically implemented by the information push device embodiment are the same as those in the embodiment of the information push method. Figure 2 The information push method embodiment shown is the same as that of Figure 2 The beneficial effects achieved by the information push method embodiment shown are also the same.

[0189] Fig.12 A schematic diagram of an information push device applied to a terminal is provided for an embodiment of the present invention. The information push device is applied to a terminal. For example, the device can implement part or all of the functions of the terminal through hardware or a combination of hardware and software to implement the steps in the above-mentioned financial product information push method, such as Fig.12 As shown, the information push device includes:

[0190] The acquisition module 1201 is used to obtain a redemption fee query request for the holding shares of the financial product, so that the financial product agency sales system queries the share details table of the financial product and the redemption fee parameter table corresponding to the financial product according to the redemption fee query request, and returns the holding shares corresponding to each fee rate in the redemption fee parameter table according to the redemption shares and unredeemed shares in the share details table;

[0191] The second receiving module 1202 is used to receive the holding shares corresponding to each rate sent by the financial product agency sales system, and obtain the shares to be redeemed;

[0192] The second determination module 1203 is used to determine the redemption fee corresponding to the to-be-redeemed shares according to the held shares corresponding to each rate;

[0193] Display module 1204 is used to display the redemption fee corresponding to the shares to be redeemed.

[0194] It should be noted that Figure 5 The contents of the information push method embodiment shown in the figure are applicable to the information push device embodiment. The functions specifically implemented by the information push device embodiment are the same as those in the embodiment of the information push method. Figure 5 The information push method embodiment shown is the same as that of Figure 5 The beneficial effects achieved by the information push method embodiment shown are also the same.

[0195] The embodiment of the present invention also provides a financial product information push system, including a terminal, a financial product agency sales system and a financial product registration system.

[0196] Among them, the terminal is used to implement the above Figure 5 The functionality of the information push method shown;

[0197] The financial product distribution system is used to achieve the above Figure 2 The functionality of the information push method shown;

[0198] The financial product registration system is used to achieve the above Figure 3 and Figure 4 The corresponding functions shown in .

[0199] An embodiment of the present invention further provides an electronic device, the device comprising a processor and a memory;

[0200] Memory, used to store programs;

[0201] The processor is used to execute the program to execute the information push method of the terminal, the financial product agency sales system, and the financial product registration system. The electronic device of the embodiment of the present invention can realize the function of the terminal, and can also realize the function of the financial product agency sales system. The electronic device can be any intelligent terminal including a mobile phone, a tablet computer, a personal digital assistant (PDA), a point of sales (POS), a car computer, etc. The electronic device is introduced below in conjunction with the accompanying drawings. Fig.13 In the embodiment of the present invention, the terminal device is a mobile phone as an example:

[0202] Fig.13 FIG. 1 is a block diagram showing a partial structure of a mobile phone related to a terminal device provided in an embodiment of the present invention. Fig.13 The mobile phone includes: a radio frequency (RF) circuit 1310, a memory 1320, an input unit 1330, a display unit 1340, a sensor 1350, an audio circuit 1360, a wireless fidelity (WiFi) module 1370, a processor 1380, and a power supply 1390. Those skilled in the art can understand that Fig.13 The mobile phone structure shown in the figure does not constitute a limitation on the mobile phone, and may include more or fewer components than shown in the figure, or combine certain components, or arrange the components differently.

[0203] In the embodiment of the present invention, the processor 1380 included in the terminal device has the following functions:

[0204] Receive redemption fee inquiry requests for financial product holdings;

[0205] According to the redemption fee query request, query the share details table of the financial product and the redemption fee parameter table corresponding to the financial product; wherein the share details table includes the redeemed shares and unredeemed shares of the financial product;

[0206] According to the redeemed shares and the unredeemed shares in the share details table, determine the holding shares corresponding to each rate in the redemption rate parameter table.

[0207] The processor 1380 included in the terminal device may also have the following functions:

[0208] Obtaining a redemption fee inquiry request for the financial product holdings, and sending the redemption fee inquiry request to the financial product agency sales system;

[0209] Receive the holding shares corresponding to each rate sent by the financial product agency sales system, and obtain the shares to be redeemed;

[0210] Determine the redemption fee corresponding to the shares to be redeemed based on the holding shares corresponding to each rate;

[0211] Displays the redemption fee corresponding to the shares to be redeemed.

[0212] The processor 1380 included in the terminal device may also have the following features: Figure 3 and Figure 4 Functions of the China Financial Products Registration System:

[0213] Figure 2 or Figure 5The contents of the information push method embodiment shown in the figure are applicable to the electronic device embodiment. The functions specifically implemented by the electronic device embodiment are the same as those in the embodiment of FIG. Figure 2 or Figure 5 The information push method embodiment shown is the same as that of Figure 2 or Figure 5 The beneficial effects achieved by the information push method embodiment shown are also the same.

[0214] The embodiment of the present invention further provides a computer-readable storage medium, wherein a program executable by a processor is stored, and the program executable by the processor is used to implement Figure 2 or Figure 5 The method shown.

[0215] Figure 2 or Figure 5 The contents of the information push method embodiment shown in the figure are applicable to the computer-readable storage medium embodiment, and the functions specifically implemented by the computer-readable storage medium embodiment are the same as those in the embodiment of the information push method shown in the figure. Figure 2 or Figure 5 The information push method embodiment shown is the same as that of Figure 2 or Figure 5 The beneficial effects achieved by the information push method embodiment shown are also the same.

[0216] The embodiment of the present invention also discloses a computer program product or a computer program, wherein the computer program product or the computer program includes computer instructions, and the computer instructions are stored in a computer-readable storage medium. A processor of a computer device can read the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes Figure 2 or Figure 5 The method shown.

[0217] The terms "first", "second", "third", "fourth", etc. (if any) in the specification of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0218] It should be understood that in the present application, "at least one (item)" means one or more, and "plurality" means two or more. "And / or" is used to describe the association relationship of associated objects, indicating that three relationships may exist. For example, "A and / or B" can mean: only A exists, only B exists, and A and B exist at the same time, where A and B can be singular or plural. The character " / " generally indicates that the previous and next associated objects are in an "or" relationship. "At least one of the following" or similar expressions refers to any combination of these items, including any combination of single items or plural items.

[0219] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the modules is only a logical function division. There may be other division methods in actual implementation, such as multiple modules or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or modules, which can be electrical, mechanical or other forms.

[0220] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical modules, that is, they may be located in one place or distributed on multiple network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0221] In addition, each functional module in each embodiment of the present application can be integrated into a processing module, or each module can exist physically separately, or two or more modules can be integrated into one module. The above integrated modules can be implemented in the form of hardware or software functional modules.

[0222] If the integrated module is implemented in the form of a software function module and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application is essentially or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including multiple instructions to enable a computer device (which can be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (Read-Only Memory, referred to as ROM), random access memory (Random Access Memory, referred to as RAM), disk or optical disk and other media that can store programs.

[0223] As described above, the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit them. Although the present application has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or make equivalent replacements for some of the technical features therein. However, these modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present application.

Claims

1. A method for pushing information of financial products, characterized in that: include: Receive redemption fee inquiry requests for financial product holdings; According to the redemption fee query request, query the share details table of the financial product and the redemption rate parameter table corresponding to the financial product; wherein the share details table includes the redeemed shares and unredeemed shares of the financial product; Determine the holding shares corresponding to each rate in the redemption rate parameter table according to the redeemed shares and the unredeemed shares in the share details table; The holding shares corresponding to each rate are sent to the terminal, so that the terminal displays the shares to be redeemed and the redemption fee corresponding to the shares to be redeemed in the first information prompt box to be redeemed, and displays the holding shares corresponding to each rate in the shares to be redeemed and the redemption fee of the shares corresponding to each rate in the second information prompt box to be redeemed. The terminal also displays a convenient button, which is used to extract fee-free shares from the shares to be redeemed for redemption; wherein the holding shares corresponding to each rate are used to determine the redemption fee corresponding to the shares to be redeemed based on the acquired shares to be redeemed, and are used to determine the redemption fee of the shares corresponding to each rate based on the acquired shares to be redeemed.

2. The method for pushing information of financial products according to claim 1, characterized in that: The querying of the share details table of the financial product and the redemption rate parameter table corresponding to the financial product according to the redemption fee query request includes: Determine the total shares in the share detail table of the financial product and the redeemed shares in the share detail table according to the user identifier and the financial product identifier in the redemption fee query request; Determine the unredeemed shares in the share schedule according to the total shares and the redeemed shares; According to the financial product identifier in the redemption fee query request, a redemption rate parameter table corresponding to the financial product is determined.

3. The method for pushing information of financial products according to claim 1 or 2, characterized in that: The method further comprises: Receive purchase requests for financial products; Sending a purchase application document to the financial product registration system according to the purchase request, so that the financial product registration system returns a purchase confirmation document; The share information in the share details table is registered and updated according to the purchase confirmation document.

4. The method for pushing information of financial products according to claim 1 or 2, characterized in that: The method further comprises: Receive redemption requests for financial products; Sending a redemption application document to the financial product registration system according to the redemption request, so that the financial product registration system returns a redemption confirmation document; According to the redemption confirmation document, the redemption shares in the redemption request are deducted from the share details table.

5. The method for pushing information of financial products according to claim 4, characterized in that: The deducting the redemption shares in the redemption request from the share list according to the redemption confirmation document includes: Obtain the registered shares of different registration dates in the share details table; According to the redemption shares in the redemption confirmation document, the redemption shares are deducted from the registration shares of the corresponding registration date in the order of the registration dates.

6. A method for pushing information of financial products, characterized in that: include: Obtaining a redemption fee query request for the held shares of a financial product, and sending the redemption fee query request to a financial product agency sales system, so that the financial product agency sales system queries a share detail table of the financial product and a redemption rate parameter table corresponding to the financial product according to the redemption fee query request, and returns the held shares corresponding to each rate in the redemption rate parameter table according to the redemption shares and unredeemed shares in the share detail table; Receive the holding shares corresponding to each rate sent by the financial product agency sales system, and obtain the shares to be redeemed; Determine the redemption fee corresponding to each rate and the redemption fee corresponding to the to-be-redeemed share according to the holding share corresponding to each rate; The first prompt box for information to be redeemed displays the shares to be redeemed and the redemption fee corresponding to the shares to be redeemed, and the second prompt box for information to be redeemed displays the shares held corresponding to each rate in the shares to be redeemed and the redemption fee corresponding to each rate; A convenient button is displayed, which is used to extract fee-free shares from the shares to be redeemed for redemption.

7. The method for pushing information of financial products according to claim 6, characterized in that: The determining, according to the holding shares corresponding to each rate, the redemption fee corresponding to each rate and the redemption fee corresponding to the to-be-redeemed shares, comprises: Determine the redemption fee of the holding shares corresponding to each rate according to the holding shares corresponding to each rate; Determine the shares of the to-be-redeemed shares corresponding to each rate according to the held shares corresponding to each rate and the to-be-redeemed shares; Obtaining the real-time net value of the financial product, and calculating the redemption fee of the corresponding share in each rate according to the real-time net value and each rate; The redemption fees of the shares to be redeemed are summarized according to the redemption fees of the shares corresponding to the various rates.

8. The method for pushing information of financial products according to claim 6 or 7, characterized in that: The method further comprises: Obtaining a purchase request for a financial product, and sending the purchase request to the financial product agency sales system, so that the financial product agency sales system sends a purchase application document to the financial product registration system according to the purchase request, and registers and updates the share information in the share details table according to the purchase confirmation document returned by the financial product registration system; Alternatively, obtain a redemption request for a financial product, and send the purchase request to the financial product distribution system, so that the financial product distribution system sends a redemption application document to the financial product registration system based on the redemption request, and deducts the redemption share in the redemption request from the share details table based on the redemption confirmation document returned by the financial product registration system.

9. A method for pushing information of financial products, characterized in that: include: The terminal obtains a redemption fee query request for the financial product holding shares, and sends the redemption fee query request to the financial product agency sales system; The financial product agency sales system queries the share details table of the financial product and the redemption rate parameter table corresponding to the financial product according to the redemption fee query request, and returns the holding shares corresponding to each rate in the redemption rate parameter table to the terminal according to the redeemed shares and unredeemed shares in the share details table; The terminal receives the holding shares corresponding to each rate sent by the financial product agency sales system, and obtains the shares to be redeemed; the terminal determines the redemption fee corresponding to each rate and the redemption fee corresponding to the shares to be redeemed according to the holding shares corresponding to each rate; The terminal displays the shares to be redeemed and the redemption fees corresponding to the shares to be redeemed in the first information prompt box to be redeemed, and displays the holding shares corresponding to each rate in the shares to be redeemed and the redemption fees corresponding to each rate in the second information prompt box to be redeemed, and displays a convenience button, which is used to extract fee-free shares from the shares to be redeemed for redemption.

10. The method for pushing information of financial products according to claim 9, characterized in that: The method further comprises: The terminal obtains a purchase request for a financial product and sends the purchase request to the financial product agency sales system; The financial product agency sales system sends a purchase application document to the financial product registration system according to the purchase request, and registers and updates the share information in the share details table according to the purchase confirmation document returned by the financial product registration system; or, Obtaining a redemption request for a financial product, and sending the redemption request to the financial product agency sales system; The financial product agency sales system sends a redemption application document to the financial product registration system according to the redemption request, and deducts the redemption share in the redemption request from the share details table according to the redemption confirmation document returned by the financial product registration system.

11. A device for pushing information of financial products, characterized in that: include: A first receiving module, used to receive a redemption fee query request for a share of a financial product; A query module, configured to query a share detail table of a financial product and a redemption rate parameter table corresponding to the financial product according to the redemption fee query request; wherein the share detail table includes the redeemed shares and unredeemed shares of the financial product; A first determination module is used to determine the holding shares corresponding to each rate in the redemption rate parameter table according to the redeemed shares and the unredeemed shares in the share details table; A sending module is used to send the holding shares corresponding to each rate to the terminal, so that the terminal displays the shares to be redeemed and the redemption fee corresponding to the shares to be redeemed in the first information prompt box to be redeemed, and displays the holding shares corresponding to each rate in the shares to be redeemed and the redemption fee of the shares corresponding to each rate in the second information prompt box to be redeemed. The terminal also displays a convenient button, which is used to extract fee-free shares from the shares to be redeemed for redemption; wherein the holding shares corresponding to each rate are used to determine the redemption fee corresponding to the shares to be redeemed based on the acquired shares to be redeemed, and are used to determine the redemption fee of the shares corresponding to each rate based on the acquired shares to be redeemed.

12. A device for pushing information of financial products, characterized in that: include: An acquisition module, used to acquire a redemption fee query request for a share of a financial product, so that the financial product agency sales system queries a share detail table of the financial product and a redemption fee parameter table corresponding to the financial product according to the redemption fee query request, and returns the share corresponding to each rate in the redemption fee parameter table according to the redemption shares and unredeemed shares in the share detail table; A second receiving module is used to receive the holding shares corresponding to each rate sent by the financial product agency sales system, and obtain the shares to be redeemed; A second determination module is used to determine the redemption fee corresponding to each rate and the redemption fee corresponding to the to-be-redeemed share according to the holding share corresponding to each rate; A display module is used to display the shares to be redeemed and the redemption fee corresponding to the shares to be redeemed in the first prompt box of information to be redeemed, and to display the holding shares corresponding to each rate in the shares to be redeemed and the redemption fee corresponding to each rate in the second prompt box of information to be redeemed; A convenient button is displayed, which is used to extract fee-free shares from the shares to be redeemed for redemption.

13. A financial product information push system, characterized in that: The invention comprises a financial product agency sales system and a terminal, wherein the financial product agency sales system comprises: A first receiving module, used to receive a redemption fee query request for a share of a financial product; A query module, configured to query a share detail table of a financial product and a redemption rate parameter table corresponding to the financial product according to the redemption fee query request; wherein the share detail table includes the redeemed shares and unredeemed shares of the financial product; A first determination module is used to determine the holding shares corresponding to each rate in the redemption rate parameter table according to the redeemed shares and unredeemed shares in the share details table; A sending module, used for sending the holding share corresponding to each rate to the terminal; The terminal comprises: An acquisition module, used to acquire a redemption fee query request for a share of a financial product, and send the redemption fee query request to the financial product agency sales system; A second receiving module is used to receive the holding shares corresponding to each rate sent by the financial product agency sales system, and obtain the shares to be redeemed; A second determination module is used to determine the redemption fee corresponding to each rate and the redemption fee corresponding to the to-be-redeemed share according to the holding share corresponding to each rate; The display module is used to display the shares to be redeemed and the redemption fees corresponding to the shares to be redeemed in the first information prompt box to be redeemed, and to display the holding shares corresponding to each rate in the shares to be redeemed and the redemption fees corresponding to each rate in the second information prompt box to be redeemed, and to display a convenient button, which is used to extract the shares without fees from the shares to be redeemed for redemption.

14. An electronic device, characterized in that: including a processor and a memory; The memory is used to store programs; The processor executes the program to implement the method according to any one of claims 1 to 10.

15. A computer-readable storage medium, characterized in that: The storage medium stores a program, and the program is executed by a processor to implement the method according to any one of claims 1 to 10.

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