Resource processing method and apparatus, computer device, and storage medium

Abstract

The application relates to a resource processing method and device, computer equipment and a storage medium. The method comprises the following steps: determining a resource set to be exchanged in value, the resources in the resource set belonging to a target identifier; determining target resources in the resource set, the exchange completion dates of which are not later than an expected date; obtaining the exchange shares corresponding to the target resources according to the expected exchange value; when the exchange completion dates of the target resources have a sequence, initiating corresponding value exchange requests based on the exchange shares corresponding to the target resources in the reverse order of the sequence, so as to receive the exchange values corresponding to the target resources returned by a resource platform in response to the value exchange requests at the expected date; and based on the actual exchange value obtained by accumulating the exchange values corresponding to the target resources, the value of the target identifier is correspondingly increased at the expected date. The method can improve the efficiency of value exchange of multiple resources.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a resource processing method, apparatus, computer equipment, and storage medium. Background Art

[0002] With the rapid development of computer technology and Internet technology, resource investment and value exchange operations on the Internet have become increasingly popular. For example, more and more applications now support the purchase and redemption of various resources provided by major resource platforms, such as funds, stocks, futures, etc.

[0003] Typically, to mitigate the risks of investing in a single resource, users purchase multiple resources, such as in the form of a fund portfolio, multiple funds, or multiple stocks. However, when users wish to exchange the value of these multiple resources, the exchanged values ​​are typically returned to the user on different dates and in multiple installments. This inefficient resource processing significantly impacts the user experience, especially when users have a strong demand for immediate value. Summary of the Invention

[0004] Based on this, it is necessary to provide a resource processing method, device, computer equipment and storage medium that can improve the efficiency of value exchange for multiple resources in response to the above technical problems.

[0005] A resource processing method, comprising:

[0006] Determining a resource set to be value exchanged, where resources in the resource set belong to a target identifier;

[0007] Determine, from the resource set, a target resource whose exchange completion date is not later than the expected date;

[0008] According to the expected exchange value of this value exchange, the corresponding exchange number of each target resource is obtained;

[0009] When the exchange completion dates of the target resources are sequential, corresponding value exchange requests are initiated based on the exchange quantities corresponding to the target resources in reverse order of the sequential order, so as to receive, on the desired date, the exchange values ​​corresponding to the target resources returned by the resource platform in response to the value exchange requests;

[0010] Based on the actual exchange value obtained by accumulating the exchange values ​​corresponding to the target resources, the value of the target identifier is increased accordingly once and for all on the expected date.

[0011] A resource processing device, comprising:

[0012] A resource set determination module, configured to determine a resource set to be value exchanged, wherein the resources in the resource set belong to a target identifier;

[0013] A target resource determination module, configured to determine, from the resource set, a target resource whose exchange completion date is not later than the expected date;

[0014] An exchange quantity acquisition module is used to obtain the exchange quantity corresponding to each target resource according to the expected exchange value of this value exchange;

[0015] a value exchange request module configured to, when the exchange completion dates of the target resources are sequential, initiate corresponding value exchange requests based on the exchange quantities corresponding to the target resources in reverse order of the sequential order, so as to receive, on the desired date, exchange values ​​corresponding to the target resources returned by the resource platform in response to the value exchange requests;

[0016] The value increasing module is configured to increase the value of the target identifier on the expected date based on the actual exchange value obtained by accumulating the exchange values ​​corresponding to the target resources.

[0017] A resource processing method, comprising:

[0018] Display the value exchange interface corresponding to the resource set belonging to the target identifier;

[0019] In response to an input operation of a desired date for completing the value exchange in the value exchange interface, displaying the total exchangeable value corresponding to the target resources in the resource set whose exchange completion date is not later than the desired date;

[0020] In response to an input operation of a desired exchange value for this value exchange, a value exchange form for this value exchange is sent to a resource processing server based on the resource set, the desired date, and the desired exchange value, instructing the resource processing server to obtain the exchange quantity corresponding to each target resource based on the desired exchange value in the value exchange form, and when the exchange completion dates of the target resources are sequential, in reverse order of the sequential order, initiating corresponding value exchange requests based on the exchange quantity corresponding to each target resource, and receiving, on the desired date, the exchange value corresponding to each target resource returned by the resource platform in response to each value exchange request;

[0021] On the expected date, the resource value updated after the target identifier completes this value exchange is displayed. The resource value is the actual exchange value obtained by the resource processing server based on the accumulation of the exchange values ​​corresponding to each of the target resources, and is obtained by a one-time corresponding increase in the value of the target identifier on the expected date.

[0022] A resource processing device, comprising:

[0023] The display module is used to display the value exchange interface corresponding to the resource set belonging to the target identifier;

[0024] The display module is further configured to, in response to an input operation of a desired date for completing the value exchange in the value exchange interface, display the total exchangeable value corresponding to the target resources in the resource set whose exchange completion date is not later than the desired date;

[0025] a value exchange order generation module, configured to, in response to an input operation of a desired exchange value for this value exchange, send a value exchange order for this value exchange to a resource processing server based on the resource set, the desired date, and the desired exchange value, instructing the resource processing server to obtain the exchange quantity corresponding to each target resource based on the desired exchange value in the value exchange order, and, when the exchange completion dates of the target resources are sequential, initiate corresponding value exchange requests based on the exchange quantity corresponding to each target resource in reverse order of the sequential order, and receive, on the desired date, the exchange value corresponding to each target resource returned by the resource platform in response to each value exchange request;

[0026] The display module is further used to display the resource value updated after the target identifier completes the value exchange on the expected date. The resource value is the actual exchange value obtained by the resource processing server based on the accumulation of the exchange values ​​corresponding to each of the target resources, and is obtained by a one-time corresponding increase in the value of the target identifier on the expected date.

[0027] A computer device includes a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the resource processing method when executing the computer program.

[0028] A computer-readable storage medium stores a computer program, which implements the steps of the resource processing method when executed by a processor.

[0029] A computer program includes computer instructions, the computer instructions are stored in a computer-readable storage medium, a processor of a computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device performs the steps of the above-mentioned resource processing method.

[0030] The resource processing method, apparatus, computer device, and storage medium described above automatically analyze the exchange completion date of each resource in a resource collection. Based on the user's desired date for completing the value exchange, the method determines target resources from the resource collection whose exchange completion date is no later than the desired date. Furthermore, based on the user's desired exchange value for the value exchange, the method obtains the exchange quantity corresponding to each of the determined target resources. Subsequently, if the exchange completion dates corresponding to the determined target resources are sequentially ordered, corresponding value exchange requests are submitted based on the exchange quantity corresponding to each target resource in reverse order of the order. This allows the resource platform to receive the exchange value corresponding to each target resource on the desired date, thereby accumulating the exchange value corresponding to each target resource on the desired date to obtain the actual exchange value. This actual exchange value is then returned to the target identifier in one go. This allows the value exchange to be completed in one go, improving resource processing efficiency, while also satisfying the user's needs for both a desired date and immediate value exchange, significantly enhancing the user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0031] Figure 1 An application environment diagram of a resource processing method in one embodiment;

[0032] Figure 2 1 is a flow chart of a resource processing method in one embodiment;

[0033] Figure 3 A schematic diagram of a resource exchange interface for exchanging value for resources in one embodiment;

[0034] Figure 4 A sequence diagram for exchanging value for resources in one embodiment;

[0035] Figure 5 is a timing diagram of querying resources in one embodiment;

[0036] Figure 6 A schematic diagram of a value exchange interface for exchanging resources for value in one embodiment;

[0037] Figure 7 A timing diagram for exchanging resources for value in one embodiment;

[0038] Figure 8 is a flowchart of a resource processing method in another embodiment;

[0039] Figure 9 It is a flowchart of a resource processing method in a specific embodiment;

[0040] Figure 10 is a structural block diagram of a resource processing device in one embodiment;

[0041] Figure 11 This is a diagram of the internal structure of a resource processing server in one embodiment;

[0042] Figure 12 FIG. 4 is a diagram showing the internal structure of a terminal in one embodiment. DETAILED DESCRIPTION

[0043] In order to make the purpose, technical solutions and advantages of this application more clear, the following further describes this application in detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain this application and are not intended to limit this application.

[0044] The resource processing method provided in this application can be applied to Figure 1 In the application environment shown, terminal 102 communicates with resource processing server 104 via a network, and resource processing server 104 communicates with a resource platform via a network. In one embodiment, resource processing server 104 can determine a resource set to be value exchanged based on a user triggering operation on terminal 102 for this value exchange. The resources in the resource set belong to a target identifier. Resource processing server 104 identifies target resources in the resource set whose exchange completion date is no later than the expected date. Then, based on the expected exchange value for this value exchange, it obtains the exchange quantity corresponding to each target resource. If the exchange completion dates of the target resources are sequential, resource processing server 104 initiates corresponding value exchange requests to resource platform 106 based on the exchange quantity corresponding to each target resource, in reverse order of the sequential order. On the expected date, resource processing server 104 receives the exchange value corresponding to each target resource returned by resource platform 106 in response to each value exchange request. Subsequently, resource processing server 104 increases the value of the target identifier on the expected date based on the actual exchange value obtained by summing the exchange values ​​corresponding to each target resource.

[0045] In one instance, terminal 102 can display a value exchange interface corresponding to a resource set belonging to a target identifier, and in response to an input operation of the expected date for completing this value exchange in the value exchange interface, display the total exchangeable value corresponding to the target resources in the resource set whose exchange completion date is not later than the expected date. The total exchangeable value is the sum of the exchangeable values ​​corresponding to each target resource. In response to the input operation of the desired exchange value for this value exchange, the terminal 102 sends a value exchange form for this value exchange to the resource processing server 104 based on the resource set, the desired date, and the desired exchange value. The resource processing server 104 obtains the exchange quantity corresponding to each target resource based on the desired exchange value in the value exchange form. Therefore, when the exchange completion dates of the target resources are in a certain order, the resource processing server 104 initiates corresponding value exchange requests to the resource platform 106 based on the exchange quantity corresponding to each target resource in reverse order of the order. The resource processing server 104 can then receive the exchange value corresponding to each target resource returned by the resource platform 106 in response to each value exchange request on the desired date. Then, the terminal 102 can display the updated resource value of the target identifier after completing this value exchange on the desired date. The resource value is the actual exchange value obtained by the resource processing server 104 based on the accumulation of the exchange value corresponding to each target resource, and is obtained by a one-time increase in the value of the target identifier on the desired date.

[0046] The terminal 102 may be, but is not limited to, various personal computers, laptops, smart phones, tablet computers, and portable wearable devices, and the resource processing server 104 and the resource platform 106 may be implemented as an independent server or a server cluster consisting of multiple servers.

[0047] Optionally, in one embodiment, an application supporting the exchange of value for resources and the exchange of resources for value runs on the terminal 102. The application may be a social application, an online payment application, or the like. The resource processing server 104 provides resource processing services for the application. After logging into the application, a user may perform operations on the resources of a target identifier (such as a user identifier or a user's resource account), such as exchanging resources for value or exchanging value for resources. The application may generate a corresponding resource processing request based on the user's operation and then communicate with the resource processing server 104 via the network to instruct the resource processing server 104 to interact with the resource platform 106 based on the generated resource processing request. The resource processing request may be a resource query request, a value query request, a resource exchange request, a value exchange request, a resource account query request, or the like. The resource platform 106 may be, for example, a server or server cluster that provides resource management services to a resource sales enterprise.

[0048] It should be noted that in the embodiments of the present application, value exchange refers to the operation or process of exchanging resources belonging to a target identifier for value, and resource exchange refers to the operation or process of exchanging the value belonging to a target identifier for resources. The resource processing method provided in the embodiments of the present application can be executed by a terminal, or by a resource processing server, or can be implemented through interaction between a terminal and a resource processing server.

[0049] In one embodiment, Figure 2 As shown, a resource processing method is provided, which is applied to Figure 1 The computer device (terminal 102 or resource processing server 104) in FIG. 1 is used as an example to illustrate the method, which includes the following steps:

[0050] Step 202: Determine a resource set to be exchanged for value, where the resources in the resource set belong to the target identifier.

[0051] Resources are assets that can be exchanged for value. For example, resources can be funds, stocks, futures, bonds, etc. Resources can also be currencies that can be exchanged for value. A resource collection is a collection of multiple resources. For example, a resource collection can be a fund portfolio consisting of at least two component funds. A resource collection can also be a combination of multiple independent funds, all of which belong to the target identifier.

[0052] A target identifier is an identifier created for a user to manage and record resource-related data, such as the user's resource types and resource processing records. For example, a target identifier can be a user's fund account, stock account, bond account, and so on. For another example, when a user logs into a social application using their user identifier to manage their resources, the target identifier can be the user identifier used to log in to the social application. Alternatively, the target identifier can be a resource account associated with the user identifier, such as a bank account.

[0053] In one embodiment, the terminal may display a list of resources belonging to the target identifier, including different types of resources, such as a fund portfolio or independent funds. The terminal receives a user's selection instruction for a resource in the resource list and, based on the selection instruction, determines the selected resource in the resource list, thereby determining the resource set for this value exchange. The terminal may generate a value exchange form for this value exchange based on the determined resource set. When submitting this value exchange form to the resource processing server, the terminal transmits the determined resource set to the resource processing server, thereby obtaining the resource set for this value exchange. The selected resource may be a fund portfolio, multiple independent funds, or at least one fund portfolio and at least one independent fund.

[0054] Optionally, the terminal may initiate a resource query request for the target identifier to the resource processing server in response to the resource query operation for the target identifier, receive the resources belonging to the target identifier returned by the resource processing server in response to the resource query request, and the terminal displays a list of resources belonging to the target identifier based on the returned resources belonging to the target identifier.

[0055] It can be understood that the selected resources are the resources that can be used for this value exchange according to the user's intention. For example, if a user selects a fund portfolio as the resource set for this value exchange, since it includes multiple component funds, the set consisting of these multiple component funds is the resource set for this value exchange. For another example, if a user selects multiple independent funds, the set consisting of these multiple independent funds is the resource set for this value exchange.

[0056] In one embodiment, when the user directly triggers the terminal to submit a value exchange order to the resource processing server without making any selection, the resource processing server may use all resources belonging to the target identifier as the resource set for this value exchange.

[0057] In one embodiment, resources belonging to a target identifier are obtained by exchanging the value belonging to the target identifier from a resource platform. Based on a user's operation, a terminal receives a resource exchange instruction to exchange the value for resources. The instruction carries the user identifier, the identifier of the resource to be exchanged, and the value used for the resource exchange. The terminal generates a resource exchange form based on the instruction and submits the form to a resource processing server. The resource processing server then submits a resource exchange request to the resource platform based on the form. The resource returned by the resource platform is then delivered to the terminal on the exchange completion date, whereupon the terminal displays the exchanged resources.

[0058] like Figure 3 The following is a schematic diagram of a resource exchange interface for exchanging value for resources in one embodiment. Figure 3 , Figure 3 Take the exchanged resource as a resource set as an example. The terminal can display the resource exchange interface corresponding to the resource set P selected by the selection instruction according to the user's selection instruction, and receive the value used for this resource exchange entered by the user in the resource exchange interface, such as 1,000 yuan. The terminal can also display the value details used for the exchange of each resource in the resource set P, for example, the value used for resource P1 is 200 yuan, the value used for resource P2 is 500 yuan, and the value used for resource P3 is 300 yuan. After the user triggers the resource exchange instruction in the resource exchange page, a resource exchange order is generated and submitted to the resource processing server.

[0059] In one embodiment, the resource management server can select multiple independent resources from the resources provided by the resource platform in advance, construct a resource set, and configure a corresponding ratio for each resource in the resource set. Then, when the terminal receives a resource exchange instruction to exchange the value for the resource set, the terminal can determine the value used for each resource in the resource set in this resource exchange based on the value used for this resource exchange and the configured ratio. After submitting the resource exchange form to the resource processing server, the resource processing server submits the corresponding resource exchange request for each resource to the resource platform in turn based on the value used for each resource in the resource exchange form, so that each resource returned by the resource platform is delivered to the terminal on the exchange completion date, and the terminal displays the resource set obtained by the exchange, which includes multiple independent resources.

[0060] Optionally, the value used for each resource in this resource exchange can also be determined by the resource processing server. When the terminal receives a resource exchange instruction to exchange the value for the resource set, the resource exchange instruction carries the user identifier, the identifier of the resource set to be exchanged, and the value used for this resource exchange. After generating this resource exchange form based on the resource exchange instruction and submitting it to the resource processing server, the resource processing server determines the value used for each resource in the resource set in this resource exchange based on the value used for this resource exchange in the resource exchange form and the allocation ratio of each resource in the resource set. Then, based on the value used for each resource, the resource processing server submits the corresponding resource exchange request for each resource to the resource platform in sequence.

[0061] For example, the resource processing server selects a series of resources Pi, such as P1, P2, P3, P4, and P5, constructs a resource set P, and configures a corresponding proportion Ri for each resource in the resource set, such as P1 accounts for 10%, P2 accounts for 10%, P3 accounts for 20%, P4 accounts for 30%, and P5 accounts for P30%.

[0062] like Figure 4 FIGURE 1 shows a sequence diagram of exchanging value for resources in one embodiment. Figure 4Taking the exchange of value for a fund portfolio as an example, after the terminal obtains the fund portfolio selected by the user and the total amount M entered, it generates a resource exchange order based on the fund portfolio and the total amount M, and submits the resource exchange order to the resource processing server. The resource processing server calculates and records the amount M*Ri of each component fund according to the configuration ratio Ri of each component fund Pi in the fund portfolio, and returns the payment link to the terminal. After the user pays, the terminal sends a payment success notification to the resource processing server. The resource processing server updates the holding amount and detailed data of the fund portfolio, and submits subscription orders to each fund company based on the amount of each component fund. After processing each subscription order, the fund company returns the processing result to the resource processing server, and the resource processing server returns the processing result to the terminal.

[0063] like Figure 5 , is a timing diagram of querying resources in one embodiment. Figure 5 Taking the queried resource as a fund portfolio as an example, the terminal receives a query instruction for the fund portfolio, initiates a resource query request to the resource processing server, receives a response to the resource query request from the resource processing server, queries the shares and net value of each component fund under the fund portfolio, and returns the queried shares and net value of each component fund to the terminal. The terminal calculates the total holding amount of the fund portfolio based on the returned shares and net value of each component fund, and displays the total holding amount. It can also display the shares and net value of each component fund.

[0064] Step 204: Determine, in the resource set, a target resource whose exchange completion date is not later than the expected date.

[0065] The exchange completion date is the date on which the resource exchange or value exchange is completed. This embodiment primarily describes the process of exchanging resources for value, i.e., value exchange. Therefore, the exchange completion date is the date on which the resources are exchanged for value and the value is returned to the user. The expected date is the expected date on which this value exchange is completed.

[0066] Due to differences in resource types and resource platforms providing resources, different resources require different times to complete value exchange and have different exchange completion dates Ti, as shown in Table 1 below. The exchange completion dates of different resources in the constructed resource set P are shown in Table 1 below, where T represents the date on which the resource exchange or value exchange is submitted:

[0067] Resources (Pi) Configuration ratio (Ri) Exchange completion date P1 10％ T+1 exchange day P2 10％ T+2 exchange days P3 20％ T+3 exchange days P4 30％ T+4 exchange days P5 30％ T+5 exchange days

[0068] Table 1

[0069] As can be seen, even within the same resource set P, the time required for each resource in that set to complete a value exchange may vary. Therefore, within the resource set for which the user intends to perform a value exchange, the time required for each resource to complete the value exchange may vary. To meet the user's exchange time requirements, the resource processing server can identify target resources from the resource set whose exchange completion date is no later than the desired date.

[0070] It's important to note that the resource exchange completion date is dynamic. Due to the varying time required to complete a value exchange, the resource exchange completion date changes dynamically based on the date the resource processing server submits the value exchange request to the resource platform. The target resource is the resource in the resource collection whose exchange completion date is either earlier than or equal to the expected date, if the value exchange request is submitted on the same day. This ensures that the subsequent exchange completion date for the identified target resource will meet user requirements.

[0071] In one embodiment, in a resource set, determining a target resource whose exchange completion date is no later than an expected date includes: determining the exchange completion date corresponding to each resource in the resource set on the current date; obtaining the expected date for completing this value exchange; and using the resources whose exchange completion date is less than the expected date and the resources whose exchange completion date is equal to the expected date as the target resources for this value exchange.

[0072] Specifically, the resource processing server can obtain the expected date for completing this value exchange, analyze the exchange completion date corresponding to each resource in the resource collection based on the current date, and use the resources whose exchange completion date is less than the expected date and the exchange completion date is equal to the expected date as the target resources for this value exchange.

[0073] For example, as shown in Table 1 above, if today's date is T, the exchange completion date corresponding to P1 in the resource set P is T+1 exchange days, the exchange completion date corresponding to P2 is T+2 exchange days, the exchange completion date corresponding to P3 is T+3 exchange days, the exchange completion date corresponding to P4 is T+4 exchange days, and the exchange completion date corresponding to P5 is T+5 exchange days. If the user's expected date to complete this value exchange today is three days later, that is, T+2, then the determined target resources include P1 and P2.

[0074] In one embodiment, the terminal can obtain the expected date input by the user regarding the resource collection and send the expected date to the resource processing server. The resource processing server automatically analyzes the exchange completion date of each resource in the resource collection based on the current date, thereby determining the target resource whose exchange completion date is no later than the expected date.

[0075] In one embodiment, the above method also includes: accumulating the exchangeable values ​​corresponding to each target resource to obtain the total exchangeable value corresponding to the exchange completion date no later than the expected date; returning the total exchangeable value to the terminal so that the terminal displays prompt information about the total exchangeable value corresponding to the expected date based on the total exchangeable value.

[0076] Specifically, after determining the target resource, the resource processing server can query the exchangeable value corresponding to the target resource belonging to the target identifier, accumulate the exchangeable values ​​corresponding to each target resource, obtain the total exchangeable value corresponding to the target resource, and return it to the terminal. After generating prompt information about the total exchangeable value by displaying it, it is displayed to the user to prompt the user of the total value that can be exchanged before the expected date entered.

[0077] Step 206: Obtain the exchange quantity corresponding to each target resource according to the expected exchange value of this value exchange.

[0078] The expected exchange value is the value expected to be exchanged for this value exchange. It is understandable that there may be slight differences between the expected exchange value and the actual value obtained upon completion of the value exchange. The exchange quantity represents the exchanged share of the resource, and the resource's exchange value is determined based on the exchange quantity and the resource's unit exchange value. It should be noted that the exchange quantity corresponding to the target resource may be 0, meaning that not all target resources that meet the expected date will participate in this value exchange, and some target resources may not participate. Of course, all identified target resources can also participate in this value exchange.

[0079] In one embodiment, the terminal may obtain the expected exchange value of this value exchange input by the user, and send the expected exchange value to the resource processing server. The resource processing server automatically determines the exchange quantity corresponding to each target resource based on the expected exchange value.

[0080] It can be understood that when the terminal displays the prompt information of the total exchangeable value corresponding to each target resource that meets the expected date, the user can be prompted with the total exchangeable value corresponding to the expected date. If the user needs to exchange more value, the expected date needs to be adjusted. Otherwise, if the total exchangeable value is greater than the user's expected exchange value, the user can directly enter the expected exchange value, so that the user can receive the exchange value on the user's expected date and the value amount expected by the user.

[0081] In one embodiment, when a terminal receives a value exchange instruction to exchange a resource set for value, the value exchange instruction carries a user identifier, an identifier of the resource set to be exchanged, an expected exchange value, and an expected date. A value exchange form is generated according to the value exchange instruction and submitted to a resource processing server. The resource processing server determines the resource set according to the resource set identifier in the value exchange form, determines the target resource in the resource set according to the expected date in the value exchange form, and counts the total exchangeable value corresponding to the target resource. Based on the expected exchange value, the total exchangeable value, and the configuration ratio of the target resource in the resource set, the resource processing server determines the number of exchange shares or exchange value corresponding to each target resource.

[0082] In one embodiment, after the user enters the desired exchange value and before submitting the value exchange instruction, the terminal can automatically send the identifier of the resource set to be exchanged, the desired exchange value, and the desired date to the resource processing server. The resource processing server returns the corresponding exchange quantity or exchange value for each target resource. The terminal then displays a detailed list of exchangeable values ​​based on the returned exchange quantity or exchange value for the user's reference. When the user confirms that the value exchange instruction can be submitted, or when the user updates the above data and then confirms submission, the terminal receives the value exchange instruction, generates a value exchange form based on the value exchange instruction, and submits it to the resource processing server. The resource processing server then determines the corresponding exchange quantity or exchange value for each target resource based on the value exchange instruction.

[0083] like Figure 6 The figure shows a schematic diagram of a value exchange interface for exchanging resources for value in one embodiment. Figure 6 The terminal displays a value exchange interface corresponding to resource set P and receives a user's input on the value exchange interface for the desired completion date of the value exchange, such as April 10, 2021. After determining the target resources in resource set P whose exchange completion date is no later than April 10, 2021, the terminal may also display a total exchangeable value of 2,300 yuan, obtained by summing the exchangeable values ​​of each target resource, indicating a maximum of 2,300 yuan that can be credited on that date. The terminal may also display a total exchangeable value of 5,000 yuan, obtained by summing the exchangeable values ​​of all resources in the resource set, indicating a total holding of 5,000 yuan. The terminal may also display a detailed list of the exchangeable values ​​corresponding to each resource in the resource set. The terminal receives the user's input on the value exchange interface for the desired exchange value, such as 2,000 yuan. After receiving the value exchange instruction, the terminal generates a value exchange form containing the desired date, the desired exchange value, and the resource set identifier. After submitting it to the resource processing server, the terminal may display the resource processing server's response, indicating the number of exchanged shares or exchange value of each target resource, determined based on the desired exchange value.

[0084] It should be noted that the target resources participating in this value exchange and the number of target resources exchanged will vary depending on the expected exchange value entered by the user. For example, when the expected exchange value entered by the user is less than the total exchangeable value of each target resource, the resource processing server can calculate the number of exchangeable shares corresponding to each target resource according to the configured ratio and allow each target resource to participate in the value exchange. The resource processing server can also prioritize target resources with exchange completion dates closer to the expected date as the resources used in this value exchange, that is, prioritize the exchangeable value of target resources with exchange completion dates closer to the expected date for this value exchange. For example, a target resource with an exchange completion date equal to the expected date will be prioritized. If its corresponding exchangeable value is less than the expected exchange value, a target resource with an exchange completion date less than the expected date will be used, and so on, until the total exchangeable value equals the expected exchange value. If its corresponding exchangeable value is greater than the expected exchange value, no other target resources need to be used, and only the target resource with an exchange completion date equal to the expected date can complete the value exchange.

[0085] Step 208: When the exchange completion dates of the target resources are in sequence, corresponding value exchange requests are initiated in reverse order based on the number of exchange shares corresponding to each target resource, so as to receive the exchange values ​​corresponding to each target resource returned by the resource platform in response to each value exchange request on the expected date.

[0086] Specifically, a value exchange request is a request to exchange a resource for value. The resource processing server determines the target resources participating in the value exchange and initiates the value exchange request based on the number of shares corresponding to the target resources participating in the value exchange. Because different target resources require different exchange days for a value exchange, to ensure that the exchange value corresponding to each target resource is received on the desired date (i.e., the same day) as the user desires, the resource processing server may initiate corresponding value exchange requests in reverse order of the target resource's exchange completion date determined by the current date.

[0087] In one embodiment, the resource processing server can obtain the number of exchange days required for each target resource to conduct a value exchange. When there is a difference in the required number, the resource processing server can initiate corresponding value exchange requests based on the number of exchange shares corresponding to each target resource in reverse order of the required number, so as to receive the exchange value corresponding to each target resource returned by the resource platform in response to each value exchange request on the expected date.

[0088] It will be appreciated that the exchange completion date for each target resource, as determined on the current date, is also determined based on the number of exchange days required for a value exchange of the target resource. That is, target resources with earlier exchange completion dates should submit their corresponding value exchange requests later, while target resources with later exchange completion dates should submit their corresponding value exchange requests earlier, ensuring that all target resources can complete their value exchange on the desired date.

[0089] For example, if today's date is T, the exchange completion date for P1 in resource set P is T+1 exchange days, the exchange completion date for P2 is T+2 exchange days, the exchange completion date for P3 is T+3 exchange days, the exchange completion date for P4 is T+4 exchange days, and the exchange completion date for P5 is T+5 exchange days. If the user's expected completion date for this value exchange is two days later, i.e., T+2, then the determined target resources include P1 and P2. If, based on the term exchange value, both target resources P1 and P2 are determined to participate in this value exchange, the resource processing server will initiate a value exchange request for target resource P2 at T, i.e., today, and will receive the exchange value for target resource P2 returned by the resource platform on the expected date T+2. It will also initiate a value exchange request for target resource P1 at T+1, i.e., the next day, and will receive the exchange value for target resource P1 returned by the resource platform on the expected date T+2.

[0090] In one embodiment, the above method also includes: when there is no sequence in the exchange completion dates of the target resources, the resource processing server can, after determining the date for submitting the value exchange request for the target resource, initiate a corresponding value exchange request based on the number of exchanges corresponding to each target resource on the same day, so as to receive the exchange value corresponding to each target resource returned by the resource platform in response to each value exchange request on the expected date.

[0091] In one embodiment, when the exchange completion dates of the target resources are in sequence, the resource processing server may also directly initiate a corresponding value exchange request based on the exchange quantity corresponding to each target resource on the current date, thereby successively receiving the exchange value corresponding to each target resource returned by the resource platform before the expected date.

[0092] For example, if today's date is T, the exchange completion date for P1 in resource set P is T+1 exchange days, the exchange completion date for P2 is T+2 exchange days, the exchange completion date for P3 is T+3 exchange days, the exchange completion date for P4 is T+4 exchange days, and the exchange completion date for P5 is T+5 exchange days. If the user's expected completion date for this value exchange is two days later, i.e., T+2, then the determined target resources include P1 and P2. If, based on the term exchange value, it is determined that both target resources P1 and P2 participate in this value exchange, then the resource processing server can initiate a value exchange request corresponding to target resource P1 and a value exchange request corresponding to target resource P2, respectively, on T, i.e., today, thereby receiving the exchange value corresponding to target resource P1 returned by the resource platform on date T+1, and receiving the exchange value corresponding to target resource P1 returned by the resource platform on date T+2.

[0093] It should be noted that the exchange value corresponding to the target resource returned by the resource platform is determined based on the number of exchanges and the unit exchange value corresponding to the target resource at the time of exchange. Since the unit exchange value fluctuates, the exchange value corresponding to the target resource also fluctuates.

[0094] Step 210 : Based on the actual exchange value obtained by accumulating the exchange values ​​corresponding to the target resources, the value of the target identifier is increased accordingly on the desired date.

[0095] Specifically, upon receiving the exchange values ​​corresponding to each target resource returned by the resource platform based on the number of exchanges, the resource processing server accumulates these values ​​to obtain the actual exchange value. It is understood that due to fluctuations in the exchange values ​​corresponding to each target resource, the accumulated actual exchange value may differ slightly from the expected exchange value. Since the selected target resources are all capable of completing the value exchange before the expected date, the resource processing server can increase the value of the target resource identifier based on the actual exchange value on the expected date.

[0096] like Figure 7 FIGURE 1 shows a sequence diagram of exchanging resources for value in one embodiment. Figure 7For example, let's use a fund portfolio as a resource. For this fund portfolio, the terminal obtains the desired date entered by the user. Based on this desired date, it queries the resource processing server for the total balance of the fund portfolio and the total redeemable balance of the component funds whose payment dates are no later than the desired date. The terminal displays the total balance and redeemable balance of the fund portfolio. The terminal obtains the desired redemption amount entered by the user and, based on the desired date and amount, submits a redemption order for the fund portfolio to the resource processing server. Based on this redemption order, the resource processing server calculates the number of redemption shares for each component fund and records the number of redemption shares. The resource processing server submits the redemption order for each component fund to the fund management company in reverse order of their payment dates, based on the corresponding number of redemption shares. After the fund management company confirms the order is successful, it returns the corresponding redemption amount on the desired date. After the redemption amounts for each component fund are received, the resource processing server accumulates the total amounts received for all component funds and pays the user a lump sum.

[0097] The above-mentioned resource processing method automatically analyzes the exchange completion date of each resource in the resource collection. Based on the user's expected date for completing this value exchange, it determines target resources from the resource collection whose exchange completion date is no later than the expected date. Based on the user's expected exchange value for this value exchange, it obtains the exchange quantity corresponding to each of the determined target resources. Subsequently, if the exchange completion dates corresponding to the determined target resources are sequentially ordered, corresponding value exchange requests are submitted based on the exchange quantity corresponding to each target resource in reverse order of that order. This allows the exchange value corresponding to each target resource to be received from the resource platform on the expected date. This allows the actual exchange value to be obtained by accumulating the exchange values ​​corresponding to each target resource on the expected date. This actual exchange value is then returned to the target identifier in one go. This not only completes the value exchange in one go, improving resource processing efficiency, but also meets the user's needs for both an expected date and immediate value exchange, greatly enhancing the user experience.

[0098] In one embodiment, the number of exchange shares corresponding to each target resource is obtained based on the expected exchange value of this value exchange, including: accumulating the exchangeable values ​​corresponding to each target resource to obtain the total exchangeable value corresponding to the exchange completion date no later than the expected date; determining the number of exchange shares corresponding to each target resource in this value exchange based on the expected exchange value, the total exchangeable value, and the allocation ratio of each target resource in the resource set, and the determined number of exchange shares ensures that the remaining exchangeable value corresponding to each target resource still meets the allocation ratio.

[0099] In this embodiment, all target resources selected from the resource set participate in this value exchange. The resource processing server obtains the allocation ratio of each target resource in the resource set and calculates the number of exchange shares for each target resource in this value exchange. For example, for a fund portfolio composed of multiple component funds, the allocation ratio can be the allocation ratio of each component fund set by the resource processing server. For a fund set composed of multiple independent funds, the allocation ratio can be the ratio formed by the current holdings of these independent funds. In this embodiment, the number of exchange shares for each target resource determined by the resource processing server ensures that the remaining exchangeable value corresponding to each target resource still meets the original allocation ratio.

[0100] For example: the resource set P includes P1, P2, P3, P4 and P5, and the corresponding configuration ratios are R1, R2, R3, R4, R4. The target resources participating in this value exchange are determined to be P1, P2 and P3 from the resource set. The total exchangeable value corresponding to the three target resources is L. If the expected exchange value is M, M≤L, then the resource processing server can determine the number of exchanges for the three target resources in this value exchange based on the remaining exchangeable values ​​of P1, P2 and P3 after completing this value exchange, so that the ratio of R1:R2:R3 can be maintained.

[0101] In one embodiment, the number of exchange shares corresponding to each target resource in this value exchange is determined based on the expected exchange value, the total exchangeable value, and the allocation ratio of each target resource in the resource set, including: taking the difference between the expected exchange value and the total exchangeable value as the remaining exchangeable total value corresponding to the target asset, and calculating the remaining exchangeable value of each target resource after this value exchange based on the allocation ratio and the remaining exchangeable total value; determining the current exchange value corresponding to each target resource based on the exchangeable value and the remaining exchangeable value corresponding to each target resource; and determining the number of exchange shares of each target resource in this value exchange based on the current exchange value.

[0102] Continuing with the above example, if the expected exchange value is M, the total exchangeable number of P1, P2 and P3 is S1, S2 and S3 respectively, and the exchangeable unit value is V1, V2, V3 respectively, then the total exchangeable value L = S1*V1+S2*V2+S3*V3. When M≤L, the remaining exchangeable total value corresponding to the target asset is LM, and the remaining exchangeable value of P1 after this value exchange is Then the remaining exchangeable shares are Then the number of shares exchanged for P1 in this value exchange is:

[0103]

[0104] Similarly, the number of shares exchanged by P2 in this value exchange is:

[0105]

[0106] The number of shares exchanged for this value exchange is:

[0107]

[0108] In the following embodiment, the resource processing server prioritizes the target resource whose exchange completion date is close to the expected date as the resource used in this value exchange, that is, the exchangeable value of the target resource whose exchange completion date is close to the expected date is prioritized for this value exchange.

[0109] In one embodiment, the number of exchange shares corresponding to each target resource is obtained based on the expected exchange value of this value exchange, including: screening target resources whose exchange completion date is equal to the expected date from the target resources, and counting the total exchangeable value corresponding to the screened target resources; when the expected exchange value is less than or equal to the counted total exchangeable value, determining the number of exchange shares corresponding to each target resource whose exchange completion date is equal to the expected date in this value exchange based on the expected exchange value, the counted total exchangeable value, and the determined configuration ratio of each target resource in the resource set.

[0110] Specifically, in order to give priority to the exchangeable value of target resources whose exchange completion date is close to the expected date for this value exchange and to meet the user's demand for the expected date, the resource processing server filters target resources whose exchange completion date is equal to the expected date from the target resources and counts the total exchangeable value corresponding to the filtered target resources.

[0111] For example, today's date is T. In resource set P, the exchange completion date corresponding to P1 is T+1 exchange days, the exchange completion date corresponding to P2 is T+2 exchange days, the exchange completion date corresponding to P3 is T+2 exchange days, the exchange completion date corresponding to P4 is T+2 exchange days, and the exchange completion date corresponding to P5 is T+3 exchange days. When the user enters the desired date as T+2, P1, P2, P3, and P4 are target resources whose exchange completion dates are no later than the desired date, of which P2, P3, and P4 are the selected target resources whose exchange completion dates are equal to the desired date. The resource processing server accumulates the exchangeable values ​​corresponding to P2, P3, and P4 to obtain the total exchangeable value corresponding to the target resources whose exchange completion dates are on the desired date.

[0112] When the expected exchange value input by the user is less than the total exchangeable value of the statistics, the resource processing server can only use the screened target resources as resources participating in this value exchange. Then, the resource processing server calculates the corresponding exchange number of each screened target resource based on the total exchangeable value corresponding to the screened target resources.

[0113] For example: If the expected exchange value is M, the total exchangeable number of P2, P3 and P4 is S2, S3 and S4 respectively, and the exchangeable unit value is V2, V3, V4 respectively, then the total exchangeable value L1 = S2*V2+S3*V3+S4*V4. When M≤L1, the number of exchangeable shares of P2 in this value exchange is:

[0114]

[0115] Similarly, the number of shares exchanged for P3 in this value exchange is:

[0116]

[0117] The number of shares exchanged in this value exchange is:

[0118]

[0119] The target resource P1 has 0 shares for this value exchange and does not need to participate in this value exchange.

[0120] In one embodiment, when the expected exchange value is less than or equal to the statistical total exchangeable value, the above method also includes: on the current date, initiating a corresponding value exchange request based on the number of exchange shares corresponding to each determined target resource, so as to receive the exchange value corresponding to each determined target resource returned by the resource platform in response to each value exchange request on the expected date.

[0121] Since the expected exchange value is less than or equal to the total exchangeable value, the user's value needs can be met by simply counting the exchangeable values ​​of the selected target resources whose exchange completion dates are equal to the expected date. In order to receive the returned value on the expected date, the resource processing server can initiate corresponding value exchange requests on the current date based on the number of exchanges corresponding to each target resource. As in the example above, the resource processing server will initiate value exchange requests for target resources P2, P3, and P4 on the current date T, thereby receiving the exchange values ​​corresponding to each target resource returned by the resource platform in response to each value exchange request on the expected date, i.e., T+2 exchange days.

[0122] In one embodiment, the number of exchange shares corresponding to each target resource is obtained based on the expected exchange value of this value exchange, including: screening target resources whose exchange completion date is equal to the expected date from the target resources, and counting the total exchangeable value corresponding to the screened target resources; when the expected exchange value is greater than the counted total exchangeable value, taking all the exchange shares of the screened target resources as the corresponding exchange shares of the screened target resources, and subtracting the counted total exchangeable value from the expected exchange value to obtain the updated expected exchange value, and continuing to screen the number of exchange shares corresponding to the target resources whose exchange completion date is less than the expected date based on the target resources whose exchange completion date is less than the expected date and the updated expected exchange value.

[0123] If the user-entered expected exchange value is greater than the calculated total exchangeable value, the resource processing server will use all exchangeable shares of the selected target resources whose exchange completion dates are equal to the expected date for this value exchange. Furthermore, the resource processing server will further determine the difference between the expected exchange value and the calculated total exchangeable value and use this difference as the updated expected exchange value. Based on this updated expected exchange value, target resources with exchange completion dates less than the expected date will continue to be used in this value exchange.

[0124] In one embodiment, target resources whose exchange completion date is equal to the expected date are screened from the target resources, and the total exchangeable value corresponding to the screened target resources is counted, including: counting the first total exchangeable value corresponding to the first target resource in the target resources, where the first target resource is a target resource whose exchange completion date is equal to the expected date.

[0125] Continuing with the previous example, let's calculate the total exchangeable value of P2, P3, and P4 to be L1. When L1 < M < L, subtract the calculated total exchangeable value from the expected exchange value M to obtain the updated expected exchange value M1, where M1 = M - L1.

[0126] In this embodiment, the number of exchange shares corresponding to the target resources whose exchange completion date is less than the expected date in the target resources is continuously determined based on the target resources whose exchange completion date is less than the expected date and the updated expected exchange value, including: counting the second exchangeable total value corresponding to the second target resource in the target resources, the second target resource being the target resource whose exchange completion date is 1 exchange day less than the expected date; when the updated expected exchange value is less than or equal to the second exchangeable total value, the number of exchange shares corresponding to each second target resource in this value exchange is determined based on the updated expected exchange value, the second exchangeable total value, and the configuration ratio of each second target resource in the resource set, and the determined number of exchange shares ensures that the remaining exchangeable value corresponding to each second target resource still meets the configuration ratio.

[0127] Specifically, the resource processing server continues to use the target resource whose exchange completion date is less than the expected date. Here, a target resource whose exchange completion date is less than one exchange day is used as an example. It is understood that if there is no target resource whose exchange completion date is less than one exchange day, the target resource whose exchange completion date is less than two exchange days is used. If there is no target resource whose exchange completion date is less than two exchange days, the target resource whose exchange completion date is less than three exchange days is used, and so on.

[0128] For example, consider a target resource with a shorter exchange date than the expected exchange date. If a target resource with a shorter exchange date than the expected exchange date exists, the resource processing server calculates the second exchangeable total value, L2, corresponding to the target resource whose exchange completion date is one exchange day shorter than the expected exchange date. If M1 ≤ L2, this second exchangeable total value already satisfies the user's exchange value needs. The resource processing server then includes the target resource with a shorter exchange date as the target resource for this value exchange, ending the iteration process.

[0129] Continuing with the above example, if target resource P1 is a target resource whose exchange completion date is one exchange day less than the expected date, the resource processing server can determine the number of exchange shares for the target resource based on M1 and L2. If there are multiple target resources with exchange completion dates one exchange day less than the expected date, the resource processing server will determine the number of exchange shares for each of the multiple target resources based on M1 and L2 and the allocation ratio of the multiple target resources in the same manner as described above.

[0130] In one embodiment, when the updated expected exchange value is less than or equal to the second exchangeable total value, when the exchange completion dates of the target resources exist in a certain order, corresponding value exchange requests are initiated based on the exchange shares corresponding to each target resource in reverse order of the order, including: on the current date, initiating a corresponding value exchange request based on the exchange shares of each first target resource, and on a date that is one exchange day greater than the current date, initiating a corresponding value exchange request based on the exchange shares of each second target resource.

[0131] Specifically, for target resources participating in this value exchange whose exchange completion date is one exchange day less than the expected date, in order to receive the corresponding value returned on the expected date, the resource processing server, after determining the corresponding exchange quantity, initiates a corresponding value exchange request based on the exchange quantity of each second target resource on a date one exchange day greater than the current date. For example, for P1, a value exchange request based on its exchange quantity can be submitted to the resource platform on exchange day T+1.

[0132] It is understood that if there is no target resource with one exchange day less than the expected date, and a target resource with an exchange completion date two exchange days less than the expected date is used, then a corresponding value exchange request needs to be initiated on a date two exchange days greater than the current date based on the exchange quantity of each second target resource. Similarly, if there is no target resource with one or two exchange days less than the expected date, and a target resource with an exchange completion date three exchange days less than the expected date is used, then a corresponding value exchange request needs to be initiated on a date three exchange days greater than the current date based on the exchange quantity of each second target resource, and so on.

[0133] In one embodiment, the above method also includes: when the updated expected exchange value is greater than the second exchangeable total value, taking the total exchange number of each second target resource as the corresponding exchange number, and subtracting the second exchangeable total value from the updated expected exchange value to obtain the updated expected exchange value, and continuing to determine the exchange number corresponding to the target resource whose exchange completion date is 2 exchange days less than the expected date based on the target resource whose exchange completion date is 2 exchange days less than the expected date and the updated expected exchange value.

[0134] Continuing with the previous example, if M1 > L2, this indicates that the second total exchangeable value still cannot meet the user's exchange value needs. The resource processing server can then use all exchangeable shares corresponding to the target resource with one exchange day less as the target resource for this value exchange, and continue the above iterative process. In other words, the resource processing server continues to use the target resource whose exchange completion date is two exchange days less than the expected date. Similarly, if there is no target resource with a two exchange day less date, the resource processing server uses the target resource whose exchange completion date is three exchange days less than the expected date, and so on.

[0135] Specifically, the resource processing server further determines the difference between M1 and the second exchangeable total value L2, and uses the difference as the updated expected exchange value. According to the updated expected exchange value M2, M2=M1-L2, the target resource whose exchange completion date is 2 exchange days less than the expected date continues to be used to participate in this value exchange. Take the existence of a target resource with an exchange completion date of 2 exchange days less as an example. If there is a target resource with an exchange completion date of 2 exchange days less than the expected date, the resource processing server calculates the second exchangeable total value L3 corresponding to the target resource with an exchange completion date of 2 exchange days less than the expected date. If M2≤L3, it means that the second exchangeable total value can already meet the user's demand for exchange value, and the resource processing server can use the target resource with an exchange completion date of 2 exchange days less as the target resource participating in this value exchange, and then end the iterative process.

[0136] It can be understood that for the target resources determined to participate in this value exchange, if the exchange completion date is 2 exchange days less than the expected date, in order to receive the corresponding value returned on the expected date, the resource processing server, after determining the corresponding exchange number, initiates a corresponding value exchange request based on the corresponding exchange number on a date that is 2 exchange days greater than the current date.

[0137] In the above embodiment, based on the expected date and expected exchange value input by the user, suitable target resources are selected from the resource collection to participate in the value exchange, and corresponding value exchange requests are initiated in sequence, so that the value returned by the resource platform can be received on the expected date specified by the user, and the exchanged value can be returned to the user at one time on the expected date.

[0138] In one embodiment, Figure 8 As shown, a resource processing method is provided, which is applied to Figure 1 The computer device (terminal 102) in FIG. 1 is used as an example to illustrate the method, which includes the following steps:

[0139] Step 802: Display the value exchange interface corresponding to the resource set belonging to the target identifier;

[0140] Step 804: In response to the input of the desired date for completing the value exchange in the value exchange interface, the total exchangeable value corresponding to the target resources in the resource set whose exchange completion date is not later than the desired date is displayed;

[0141] Step 806: In response to the input operation of the desired exchange value for this value exchange, a value exchange form for this value exchange is sent to the resource processing server based on the resource set, the desired date, and the desired exchange value, instructing the resource processing server to obtain the exchange quantity corresponding to each target resource based on the desired exchange value in the value exchange form, and when the exchange completion dates of the target resources are sequential, initiate corresponding value exchange requests based on the exchange quantity corresponding to each target resource in reverse order of the sequential order, and receive the exchange value corresponding to each target resource returned by the resource platform in response to each value exchange request on the desired date.

[0142] Step 808: On the expected date, the updated resource value of the target identifier after completing this value exchange is displayed. The resource value is the actual exchange value obtained by the resource processing server based on the accumulation of the exchange values ​​corresponding to each target resource, and is obtained by a one-time corresponding increase in the value of the target identifier on the expected date.

[0143] In a specific embodiment, Figure 9 As shown, the resource processing method includes the following steps:

[0144] Step 902: Determine a resource set to be exchanged for value, where the resources in the resource set belong to the target identifier.

[0145] Step 904: On the current date, determine the exchange completion date corresponding to each resource in the resource set.

[0146] Step 906: Obtain the expected date for completing this value exchange.

[0147] Step 908 : The resources whose exchange completion date is less than the expected date and whose exchange completion date is equal to the expected date are used as the target resources for this value exchange.

[0148] Step 910: Accumulate the exchangeable values ​​corresponding to the target resources to obtain the total exchangeable value corresponding to the exchange completion date no later than the expected date.

[0149] Step 912: Return the total exchangeable value to the terminal, so that the terminal displays prompt information about the total exchangeable value corresponding to the expected date based on the total exchangeable value.

[0150] Step 914: Obtain the expected exchange value of this value exchange.

[0151] In step 916, the exchangeable values ​​corresponding to the target resources are accumulated to obtain the total exchangeable value corresponding to the exchange completion date no later than the expected date; after determining the number of exchange shares corresponding to each target resource in this value exchange based on the expected exchange value, the total exchangeable value, and the allocation ratio of each target resource in the resource set, step 930 is executed.

[0152] Step 918 , counting the first exchangeable total value corresponding to the first target resource in the target resources, where the first target resource is a target resource whose exchange completion date is equal to the expected date.

[0153] Step 920, when the expected exchange value is less than or equal to the first exchangeable total value, determine the number of exchange shares corresponding to the first target resource in this value exchange based on the expected exchange value, the first exchangeable total value, and the configuration ratio of each first target resource in the resource set, and then execute step 930.

[0154] Step 922, when the expected exchange value is greater than the first exchangeable total value, determine that the exchange number of the first target resource is the total available number, and count the second exchangeable total value corresponding to the second target resource in the target resource. After the second target resource is a target resource whose exchange completion date is 1 exchange day less than the expected date, execute step 924.

[0155] Step 924: Calculate a first difference between the expected exchange value and the first exchangeable total value.

[0156] Step 926, when the first difference is less than or equal to the second exchangeable total value, determine the number of exchange shares corresponding to each second target resource in this value exchange based on the first difference, the second exchangeable total value, and the configuration ratio of the second target resource in the resource set, and then execute step 930.

[0157] In step 928, when the first difference is greater than the second exchangeable total value, the number of exchangeable shares of the second target resource is determined to be the total available number of shares, and the third exchangeable total value corresponding to the third target resource in the target resources is calculated. The third target resource is the target resource whose exchange completion date is two exchange days less than the expected date. This process is repeated.

[0158] Step 930: On the current date, initiate a corresponding value exchange request based on the exchange number of each first target resource; on a date that is one exchange day greater than the current date, initiate a corresponding value exchange request based on the exchange number of each second target resource; on a date that is two exchange days greater than the current date, initiate a corresponding value exchange request based on the exchange number of each third target resource, so as to receive the exchange value corresponding to each target resource returned by the resource platform in response to each value exchange request on the expected date.

[0159] Step 932: Based on the actual exchange value obtained by accumulating the exchange values ​​corresponding to the target resources, the value of the target identifier is increased accordingly on the desired date.

[0160] It should be understood that, although the various steps in the above figures are shown in sequence as indicated by the arrows, these steps are not necessarily performed in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and these steps can be performed in other orders. Moreover, at least a portion of the steps in the above figures may include multiple steps or multiple stages, and these steps or stages are not necessarily performed at the same time, but can be performed at different times. The execution order of these steps or stages is not necessarily to be performed in sequence, but can be performed in turn or alternately with other steps or at least a portion of steps or stages in other steps.

[0161] In a specific application scenario, taking the resource collection as a fund portfolio as an example, the resource processing method includes the following steps:

[0162] 1. When a user needs to redeem a fund portfolio, he / she enters the desired date T+n on the current day T.

[0163] 2. Based on the expected date entered by the user and the current date T, the wealth management platform calculates the target component funds in the fund portfolio whose arrival date is no later than the expected date.

[0164] 3. The terminal can display the total redeemable assets L corresponding to the target component funds that meet the requirements and the total holdings of the fund portfolio.

[0165] 4. The user enters the desired redemption amount, M, which is the desired redemption asset. By displaying the total redeemable assets, the user is restricted to enter a desired redemption amount less than L. This ultimately ensures that the redemption amount meets the user's needs and that the redeemed assets are received on the desired date, improving the user experience.

[0166] 5. The financial management platform calculates the shares of the target component fund based on the expected redemption assets M entered by the user.

[0167] The following methods can be used to calculate the shares of the target constituent fund:

[0168] Method 1: The wealth management platform determines the total amount L of all target component funds, determines the shares of all target component funds based on the allocation ratio of the target component funds, and submits redemption orders for all target component funds to the fund company on the same day T. Since these target component funds will arrive in the account no later than the expected date T+n, the redemption amount returned by the fund company can be received in succession before the expected date T+n. The wealth management platform accumulates the redemption amount and pays it to the user in one lump sum on the expected date.

[0169] Method 2: The wealth management platform determines the total amount L of all target component funds, determines the shares of all target component funds based on the allocation ratio of the target component funds, and postpones the submission of respective redemption orders to the fund companies on the corresponding trading day based on the arrival date of each target component fund, so as to receive the redemption amount of all target component funds returned by the fund companies on the expected date. The wealth management platform accumulates the amount and pays it to the user in one lump sum on the expected date.

[0170] Method 3:

[0171] a) The wealth management platform determines all component funds whose arrival dates are equal to the expected date, such as P1, P2, and P3, and calculates the total amount L1 of these component funds.

[0172] b) If M is less than or equal to L1, then only P1, P2, and P3 need to be redeemed. The wealth management platform calculates the redemption shares of P1, P2, and P3 according to the allocation ratio of P1, P2, and P3, and submits the corresponding redemption orders to the fund company on the current date T, so as to receive the redemption amount of P1, P2, and P3 returned by the fund company on the desired date. The wealth management platform accumulates the redemption amount and pays it to the user in one lump sum on the desired date.

[0173] For example, the total number of exchangeable shares of P1, P2, and P3 are S1, S2, and S3 respectively, and the exchangeable unit values ​​are V1, V2, and V3 respectively. Then the total redeemable value on the desired date is L1 = S1*V1+S2*V2+S3*V3, and the redemption share of P1 is:

[0174]

[0175] Similarly, the redemption share of P2 is:

[0176]

[0177] The redemption shares of P3 are:

[0178]

[0179] c) If M is less than T1, the remaining redemption funds will be allocated, in accordance with the method described in b), to the constituent funds whose arrival dates are one trading day less than the expected date. These orders will first record the redemption shares and will not initiate the redemption immediately. Instead, the corresponding redemption orders will be placed with the fund management company on the T+1 trading day, with the goal of receiving the redemption amount of the corresponding constituent funds from the fund management company on the expected date.

[0180] d) If the redemption amount is still insufficient, the remaining redemption funds will be allocated, in accordance with the method described in b), to the constituent funds whose arrival dates are two trading days later than the expected date. These orders will first record the redemption shares and will not initiate the redemption immediately. Instead, corresponding redemption orders will be placed with the fund management company on T+2 trading days to receive the redemption amount of the corresponding constituent funds from the fund management company on the expected date.

[0181] e) Loop sequentially until the desired redemption asset M input by the user is met.

[0182] f) The financial management platform receives the redemption amounts returned by the fund companies in sequence on the desired date, accumulates them to obtain the total amount of this redemption, and then pays the user a lump sum on the desired date to complete the redemption transaction.

[0183] The above resource processing method allows users to enter the expected arrival date, automatically analyzes the arrival date of each component fund in the fund portfolio, and prompts users with the total amount of funds that can be redeemed on that arrival date. After the user enters the redemption amount, the system calculates the amount (shares) of each redeemable fund. After the redemption funds of each redeemable fund arrive, the system pays the user in one lump sum to complete the redemption transaction, greatly improving the user's redemption experience.

[0184] In one embodiment, Figure 10As shown, a resource processing device 1000 is provided. The device can be a software module or a hardware module, or a combination of both to form a part of a computer device. The device specifically includes: a resource set determination module 1002, a target resource determination module 1004, an exchange quantity acquisition module 1006, a value exchange request module 1008, and a value increase module 1010, wherein:

[0185] The resource set determination module 1002 is used to determine a resource set to be value exchanged, where the resources in the resource set belong to a target identifier;

[0186] The target resource determination module 1004 is configured to determine, from the resource set, a target resource whose exchange completion date is not later than the expected date;

[0187] The exchange quantity acquisition module 1006 is used to obtain the exchange quantity corresponding to each target resource according to the expected exchange value of this value exchange;

[0188] The value exchange request module 1008 is configured to, when the exchange completion dates of the target resources are sequential, initiate corresponding value exchange requests based on the exchange quantity corresponding to each target resource in reverse order of the sequential order, so as to receive the exchange value corresponding to each target resource returned by the resource platform in response to each value exchange request on a desired date;

[0189] The value increasing module 1010 is configured to increase the value of the target identifier on a desired date based on the actual exchange value obtained by accumulating the exchange values ​​corresponding to the target resources.

[0190] In one embodiment, the target resource determination module 1004 is also used to determine the exchange completion date corresponding to each resource in the resource set on the current date; obtain the expected date for completing this value exchange; and use the resources whose exchange completion date is less than the expected date and the resources whose exchange completion date is equal to the expected date as the target resources for this value exchange.

[0191] In one embodiment, the target resource determination module 1004 is further configured to accumulate the exchangeable values ​​corresponding to the target resources to obtain the total exchangeable value corresponding to an exchange completion date no later than the expected date; and return the total exchangeable value to the terminal so that the terminal displays prompt information about the total exchangeable value corresponding to the expected date based on the total exchangeable value.

[0192] In one embodiment, the exchange number acquisition module 1006 is also used to accumulate the exchangeable values ​​corresponding to each target resource to obtain the total exchangeable value corresponding to the exchange completion date no later than the expected date; based on the expected exchange value, the total exchangeable value, and the configuration ratio of each target resource in the resource set, the exchange number corresponding to each target resource in this value exchange is determined, and the determined exchange number ensures that the remaining exchangeable value corresponding to each target resource still meets the configuration ratio.

[0193] In one embodiment, the exchange share acquisition module 1006 is also used to take the difference between the expected exchange value and the total exchangeable value as the remaining exchangeable total value corresponding to the target asset, and calculate the remaining exchangeable value of each target resource after this value exchange based on the configuration ratio and the remaining exchangeable total value; determine the remaining exchangeable shares corresponding to each target resource based on the remaining exchangeable value corresponding to each target resource, and determine the exchange shares of each target resource in this value exchange based on the remaining exchangeable shares.

[0194] In one embodiment, the exchange number acquisition module 1006 is further used to screen target resources whose exchange completion date is equal to the expected date from the target resources, and count the total exchangeable value corresponding to the screened target resources; when the expected exchange value is greater than the counted total exchangeable value, all exchange numbers of the screened target resources are used as the corresponding exchange numbers of the screened target resources, and the counted total exchangeable value is subtracted from the expected exchange value to obtain the updated expected exchange value, and then the exchange numbers corresponding to the target resources whose exchange completion date is less than the expected date are continuously screened based on the target resources whose exchange completion date is less than the expected date and the updated expected exchange value.

[0195] In one embodiment, the exchange share acquisition module 1006 is also used to determine the exchange share corresponding to the value exchange of each target resource with an exchange completion date equal to the expected date based on the expected exchange value, the statistical exchangeable total value, and the determined configuration ratio of each target resource in the resource set when the expected exchange value is less than or equal to the statistical exchangeable total value.

[0196] In one embodiment, when the expected exchange value is less than or equal to the statistical total exchangeable value, the value exchange request module 1008 is also used to initiate a corresponding value exchange request on the current date based on the number of exchanges corresponding to each target resource determined, so as to receive the exchange value corresponding to each target resource determined and returned by the resource platform in response to each value exchange request on the expected date.

[0197] In one embodiment, the exchange share acquisition module 1006 is further configured to count a first exchangeable total value corresponding to a first target resource among the target resources, where the first target resource is a target resource whose exchange completion date is equal to the expected date. When the expected exchange value is greater than the counted exchangeable total value, all exchange shares of the screened target resources are used as the exchange shares corresponding to the screened target resources, and the counted exchangeable total value is subtracted from the expected exchange value to obtain an updated expected exchange value. Then, a second exchangeable total value corresponding to a second target resource among the target resources is counted, where the second target resource is a target resource whose exchange completion date is one exchange day less than the expected date. When the updated expected exchange value is less than or equal to the second exchangeable total value, the exchange shares corresponding to each second target resource in this value exchange are determined based on the updated expected exchange value, the second exchangeable total value, and the allocation ratio of each second target resource in the resource set. The determined exchange shares ensure that the remaining exchangeable value corresponding to each second target resource still meets the allocation ratio.

[0198] In one embodiment, the value exchange request module 1008 is also used to initiate a corresponding value exchange request based on the exchange number of each first target resource on the current date, and to initiate a corresponding value exchange request based on the exchange number of each second target resource on a date that is one exchange day greater than the current date.

[0199] In one embodiment, the exchange share acquisition module 1006 is also used to, when the updated expected exchange value is greater than the second exchangeable total value, take the total exchange shares of each second target resource as the corresponding exchange share, and subtract the second exchangeable total value from the updated expected exchange value to obtain the updated expected exchange value, and then continue to determine the exchange share corresponding to the target resource whose exchange completion date is 2 exchange days less than the expected date based on the target resource in the target resource and the updated expected exchange value.

[0200] The resource processing device 1000 automatically analyzes the exchange completion date of each resource in the resource collection, and based on the user's desired date for completing the value exchange, determines target resources from the resource collection whose exchange completion date is no later than the desired date. Based on the user's desired exchange value for the value exchange, it obtains the exchange quantity corresponding to each of the determined target resources. Subsequently, if the exchange completion dates corresponding to the determined target resources are sequentially ordered, corresponding value exchange requests are submitted based on the exchange quantity corresponding to each target resource in reverse order of the order. This allows the exchange value corresponding to each target resource to be received from the resource platform on the desired date. This allows the actual exchange value to be obtained by accumulating the exchange values ​​corresponding to each target resource on the desired date, and then returning the actual exchange value to the target identifier in one go. This not only completes the value exchange in one go, improving resource processing efficiency, but also meets the user's needs for both a desired date and immediate value exchange, significantly enhancing the user experience.

[0201] For the specific definition of the resource processing device 1000, please refer to the definition of the resource processing method above, which will not be repeated here. The various modules in the above-mentioned resource processing device 1000 can be implemented in whole or in part by software, hardware, or a combination thereof. The above-mentioned modules can be embedded in or independent of the processor in the computer device in hardware form, or can be stored in the memory of the computer device in software form, so that the processor can call and execute the operations corresponding to the above modules.

[0202] In one embodiment, a computer device is provided. The computer device may be a resource processing server, and its internal structure diagram may be as follows: Figure 11 As shown. The computer device includes a processor, a memory, and a network interface connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of the operating system and computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, a resource processing method is implemented.

[0203] In one embodiment, a computer device is provided. The computer device may be a terminal, and its internal structure diagram may be as follows: Figure 12As shown. The computer device includes a processor, a memory, a communication interface, a display screen and an input device connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner can be achieved through WIFI, an operator network, NFC (near field communication) or other technologies. When the computer program is executed by the processor, a resource processing method is implemented. The display screen of the computer device can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer device can be a touch layer covering the display screen, or a button, trackball or touchpad provided on the computer device housing, or an external keyboard, touchpad or mouse.

[0204] Those skilled in the art will understand that Figure 11 、 Figure 12 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different component arrangement.

[0205] In one embodiment, a computer device is further provided, including a memory and a processor. The memory stores a computer program, and the processor implements the steps in the above method embodiments when executing the computer program.

[0206] In one embodiment, a computer-readable storage medium is provided, storing a computer program, which implements the steps in the above-mentioned method embodiments when executed by a processor.

[0207] In one embodiment, a computer program product or computer program is provided, the computer program product or computer program including computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the computer device to perform the steps of each of the above-described method embodiments.

[0208] Those skilled in the art will appreciate that all or part of the processes in the above-mentioned embodiment methods can be implemented by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application may include at least one of non-volatile and volatile memory. Non-volatile memory may include read-only memory (ROM), magnetic tape, floppy disk, flash memory or optical memory, etc. Volatile memory may include random access memory (RAM) or external cache memory. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM).

[0209] The technical features of the above embodiments can be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0210] The above-described embodiments merely represent several implementation methods of the present application. While the descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the present invention. It should be noted that a person skilled in the art could make various modifications and improvements without departing from the spirit of the present application, all of which fall within the scope of protection of the present application. Therefore, the scope of protection of the present patent application shall be determined by the appended claims.

Claims

1. A resource processing method, characterized in that: The method comprises: Determining a resource set to be value exchanged, where resources in the resource set belong to a target identifier; Determine, from the resource set, a target resource whose exchange completion date is not later than the expected date; According to the expected exchange value of this value exchange, the corresponding exchange number of each target resource is obtained; When the exchange completion dates of the target resources are sequential, corresponding value exchange requests are initiated based on the exchange quantities corresponding to the target resources in reverse order of the sequential order, so as to receive, on the desired date, the exchange values ​​corresponding to the target resources returned by the resource platform in response to the value exchange requests; Based on the actual exchange value obtained by accumulating the exchange values ​​corresponding to the target resources, the value of the target identifier is increased accordingly once and for all on the expected date.

2. The method according to claim 1, characterized in that Determining, in the resource set, a target resource whose exchange completion date is not later than the expected date, includes: On the current date, determining the exchange completion date corresponding to each resource in the resource set; Get the expected date to complete this value exchange; The resources whose exchange completion date is less than the expected date and whose exchange completion date is equal to the expected date are used as the target resources of this value exchange.

3. The method according to claim 2, characterized in that The method further comprises: Accumulating the exchangeable values ​​corresponding to the target resources to obtain the total exchangeable value corresponding to the exchange completion date no later than the expected date; The total exchangeable value is returned to the terminal, so that the terminal displays prompt information about the total exchangeable value corresponding to the expected date according to the total exchangeable value.

4. The method according to claim 1, wherein The method of obtaining the exchange quantity corresponding to each target resource according to the expected exchange value of this value exchange includes: Accumulating the exchangeable values ​​corresponding to the target resources to obtain the total exchangeable value corresponding to the exchange completion date no later than the expected date; Based on the expected exchange value, the total exchangeable value, and the configuration ratio of each target resource in the resource set, the number of exchange shares corresponding to each target resource in this value exchange is determined, and the determined number of exchange shares ensures that the remaining exchangeable value corresponding to each target resource still meets the configuration ratio.

5. The method according to claim 4, characterized in that The determining, based on the expected exchange value, the total exchangeable value, and the allocation ratio of each target resource in the resource set, the number of exchange shares corresponding to the current value exchange of each target resource includes: The difference between the expected exchange value and the total exchangeable value is used as the remaining total exchangeable value corresponding to the target resource, and the remaining exchangeable value of each target resource after this value exchange is calculated based on the allocation ratio and the remaining total exchangeable value; According to the remaining exchangeable value corresponding to each of the target resources, the remaining exchangeable number of shares corresponding to each of the target resources is determined, and based on the remaining exchangeable number of shares, the exchange number of shares of each of the target resources for this value exchange is determined.

6. The method according to claim 1, characterized in that The method of obtaining the exchange quantity corresponding to each target resource according to the expected exchange value of this value exchange includes: Select target resources whose exchange completion date is equal to the expected date from the target resources, and calculate the total exchangeable value corresponding to the selected target resources; When the expected exchange value is greater than the statistical total exchangeable value, all exchange shares of the screened target resources are used as the corresponding exchange shares of the screened target resources, and the statistical total exchangeable value is subtracted from the expected exchange value to obtain the updated expected exchange value. Then, based on the target resources among the target resources whose exchange completion date is less than the expected date and the updated expected exchange value, the exchange shares corresponding to the target resources whose exchange completion date is less than the expected date are screened.

7. The method according to claim 6, characterized in that The method further comprises: When the expected exchange value is less than or equal to the statistical exchangeable total value, the number of exchange shares corresponding to the current value exchange of each target resource whose exchange completion date is equal to the expected date is determined based on the expected exchange value, the statistical exchangeable total value, and the determined configuration ratio of each target resource in the resource set.

8. The method according to claim 7, characterized in that When the expected exchange value is less than or equal to the statistical total exchangeable value, the method further includes: On the current date, a corresponding value exchange request is initiated based on the determined exchange quantity corresponding to each of the target resources, so as to receive the exchange value corresponding to each of the target resources determined and returned by the resource platform in response to each of the value exchange requests on the expected date.

9. The method according to claim 6, characterized in that The step of screening target resources whose exchange completion date is equal to the expected date from the target resources and calculating the total exchangeable value corresponding to the screened target resources includes: calculating a first exchangeable total value corresponding to a first target resource among the target resources, where the first target resource is a target resource whose exchange completion date is equal to the expected date; The step of continuing to determine, based on the target resources whose exchange completion dates are earlier than the expected date and the updated expected exchange value, the number of exchange shares corresponding to the target resources whose exchange completion dates are earlier than the expected date, includes: calculating a second exchangeable total value corresponding to a second target resource in the target resources, where the second target resource is a target resource whose exchange completion date is one exchange day less than the expected date; When the updated expected exchange value is less than or equal to the second exchangeable total value, the number of exchange shares corresponding to each second target resource in this value exchange is determined based on the updated expected exchange value, the second exchangeable total value, and the configuration ratio of each second target resource in the resource set. The determined number of exchange shares ensures that the remaining exchangeable value corresponding to each second target resource still meets the configuration ratio.

10. The method according to claim 9, characterized in that When the updated expected exchange value is less than or equal to the second exchangeable total value, when the exchange completion dates of the target resources are in a certain order, initiating corresponding value exchange requests based on the exchange quantities corresponding to the target resources in reverse order of the order, including: On the current date, a corresponding value exchange request is initiated based on the exchange number of each of the first target resources, and on a date that is one exchange day greater than the current date, a corresponding value exchange request is initiated based on the exchange number of each of the second target resources.

11. The method according to claim 9, characterized in that The method further comprises: When the updated expected exchange value is greater than the second exchangeable total value, the total number of exchanges for each of the second target resources is taken as the corresponding number of exchanges, and the second exchangeable total value is subtracted from the updated expected exchange value to obtain the updated expected exchange value. Then, based on the target resources among the target resources whose exchange completion date is 2 exchange days less than the expected date and the updated expected exchange value, the number of exchanges corresponding to the target resources whose exchange completion date is 2 exchange days less than the expected date is determined.

12. A resource processing method, characterized in that: The method comprises: Display the value exchange interface corresponding to the resource set belonging to the target identifier; In response to an input operation of a desired date for completing the value exchange in the value exchange interface, displaying the total exchangeable value corresponding to the target resources in the resource set whose exchange completion date is not later than the desired date; In response to an input operation of a desired exchange value for this value exchange, a value exchange form for this value exchange is sent to a resource processing server based on the resource set, the desired date, and the desired exchange value, instructing the resource processing server to obtain the exchange quantity corresponding to each target resource based on the desired exchange value in the value exchange form, and when the exchange completion dates of the target resources are sequential, in reverse order of the sequential order, initiating corresponding value exchange requests based on the exchange quantity corresponding to each target resource, and receiving, on the desired date, the exchange value corresponding to each target resource returned by the resource platform in response to each value exchange request; On the expected date, the resource value updated after the target identifier completes this value exchange is displayed. The resource value is the actual exchange value obtained by the resource processing server based on the accumulation of the exchange values ​​corresponding to each of the target resources, and is obtained by a one-time corresponding increase in the value of the target identifier on the expected date.

13. A resource processing device, characterized in that: The device comprises: A resource set determination module, configured to determine a resource set to be value exchanged, wherein the resources in the resource set belong to a target identifier; A target resource determination module, configured to determine, from the resource set, a target resource whose exchange completion date is not later than the expected date; An exchange quantity acquisition module is used to obtain the exchange quantity corresponding to each target resource according to the expected exchange value of this value exchange; a value exchange request module configured to, when the exchange completion dates of the target resources are sequential, initiate corresponding value exchange requests based on the exchange quantities corresponding to the target resources in reverse order of the sequential order, so as to receive, on the desired date, exchange values ​​corresponding to the target resources returned by the resource platform in response to the value exchange requests; The value increasing module is configured to increase the value of the target identifier on the expected date based on the actual exchange value obtained by accumulating the exchange values ​​corresponding to the target resources.

14. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 12 are implemented.

15. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 12 are implemented.

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