Resource processing method and device, equipment, medium and program product

Abstract

The embodiment of the invention discloses a resource processing method and device, equipment, a medium and a program product. The method comprises the following steps: displaying a resource service interface corresponding to a resource combination account; in response to an information setting operation executed in the resource service interface, receiving target service execution information set for the resource combination account; and when the resource business event exists in the resource combination account, performing resource business processing in the N resource sub-accounts according to the allocation rule indicated by the resource business strategy. According to the embodiment of the invention, the method can achieve the batch management of a plurality of resource accounts, and meets the personalized financial management requirements of a user.

Description

Technical Field

[0001] The present application relates to the field of computer technology, in particular to the field of asset management, and specifically to a resource processing method, a resource processing device, a computer equipment, a computer-readable storage medium, and a computer program product. Background Art

[0002] A financial management account is a virtual account opened by a user on a financial management platform and used for investment and financial management to preserve and increase the value of assets.

[0003] At present, the financial management platform supports batch management of multiple financial management accounts of the same user, such as supporting automatic transfer in and out of multiple financial management products, with one financial management product managed by one financial management account. For example, if a user wants to use assets to subscribe to two financial management products, the financial management platform will automatically allocate the assets between the two financial management products to enable the subscription of the two financial management products. This general solution provided by the financial management platform to achieve batch transfer in or out of multiple financial management products reduces the management flexibility of multiple financial management accounts and cannot well meet the personalized financial management requirements of users. Summary of the invention

[0004] The embodiments of the present application provide a resource processing method, apparatus, device, medium and program product, which can manage multiple resource accounts in batches while meeting the user's personalized financial management requirements.

[0005] On the one hand, an embodiment of the present application provides a resource processing method, the method comprising:

[0006] Display the resource business interface corresponding to the resource portfolio account; the resource portfolio account includes N resource sub-accounts, where N is an integer greater than 1;

[0007] In response to an information setting operation performed in a resource business interface, receiving target business execution information set for a resource portfolio account, the target business execution information including a resource business policy and a target business data volume, the resource business policy being used to indicate: an allocation rule for allocating the target business data volume among N resource sub-accounts;

[0008] When a resource business event occurs in a resource portfolio account, resource business processing is performed in N resource sub-accounts according to the allocation rules indicated by the resource business policy.

[0009] On the other hand, an embodiment of the present application provides a resource processing device, the device comprising:

[0010] A display unit, used to display a resource business interface corresponding to a resource combination account; a resource combination account includes N resource sub-accounts, where N is an integer greater than 1;

[0011] A processing unit, configured to receive target business execution information set for a resource portfolio account in response to an information setting operation performed in a resource business interface, wherein the target business execution information includes a resource business policy and a target business data volume, wherein the resource business policy is used to indicate: an allocation rule for allocating the target business data volume among N resource sub-accounts;

[0012] The processing unit is further used to perform resource business processing in the N resource sub-accounts according to the allocation rules indicated by the resource business policy when there is a resource business event in the resource combination account.

[0013] On the other hand, an embodiment of the present application provides a computer device, the device comprising:

[0014] a processor adapted to execute a computer program;

[0015] A computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the resource processing method as described above is implemented.

[0016] On the other hand, an embodiment of the present application provides a computer-readable storage medium, which stores a computer program, and the computer program is suitable for being loaded by a processor and executing the resource processing method as described above.

[0017] On the other hand, an embodiment of the present application provides a computer program product or a computer program, which includes a computer instruction stored in a computer-readable storage medium. A processor of a computer device reads the computer instruction from the computer-readable storage medium, and the processor executes the computer instruction, so that the computer device executes the resource processing method described above.

[0018] In an embodiment of the present application, a resource business interface corresponding to a resource combination account is provided to the user. The resource combination account is a general account, which includes N resource sub-accounts, each resource sub-account corresponds to a financial product (or resource), and N is an integer greater than 1; in this way, the N resource sub-accounts can be batch managed by setting the general account. Further, the user can set the target business execution information for the resource combination account in the resource business interface, and the target business execution information includes a resource business strategy and a target business data volume; the resource business strategy is used to indicate the allocation rule for allocating the target business data volume between the N resource sub-accounts. In other words, the embodiment of the present application allows the user to customize the target business execution information when there is a resource business event (such as a resource subscription event or a resource redemption event) in the resource combination account. Compared with the general business execution information provided by the financial management platform, it can meet the user's personalized management of N resource sub-accounts and improve the management flexibility for each resource sub-account in the resource combination account. In this way, when there are resource business events in the resource portfolio account, the financial management platform can perform resource business processing in N resource sub-accounts according to the allocation rules indicated by the resource business policy set by the user, that is, allocate resources among the N resource sub-accounts according to the target business data volume specified by the user. The processing result of the resource business processing can meet the user's personalized needs of allocating the target business data volume to N resource sub-accounts, significantly improving the user's financial management experience and enhancing the user's stickiness to the financial management platform. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0020] Figure 1 is a schematic diagram of the architecture of a resource processing system provided by an exemplary embodiment of the present application;

[0021] Figure 2 is a schematic diagram of the architecture of another resource processing system provided by an exemplary embodiment of the present application;

[0022] Figure 3 It is a flowchart of a resource processing method provided by an exemplary embodiment of the present application;

[0023] Figure 4 is a schematic diagram of a resource business interface provided by an exemplary embodiment of the present application;

[0024] Figure 5aIt is a schematic diagram of an allocation rule of a first strategy of balancing income and redemption quota provided by an exemplary embodiment of the present application;

[0025] Figure 5b It is a schematic diagram of an allocation rule of an annual income priority first strategy provided by an exemplary embodiment of the present application;

[0026] Figure 6a It is a schematic diagram of setting the target service data volume in the target service execution information in the resource service interface provided by an exemplary embodiment of the present application;

[0027] Figure 6b It is a schematic diagram of setting a resource service policy in target service execution information in a resource service interface provided by an exemplary embodiment of the present application;

[0028] Figure 6c It is a schematic diagram of modifying a first subscription service policy in a policy setting area provided by an exemplary embodiment of the present application;

[0029] Figure 7 It is a schematic diagram of a background process of a resource purchase business provided by an exemplary embodiment of the present application;

[0030] Figure 8a It is a schematic diagram of an allocation rule of a second strategy of balancing income and redemption quota provided by an exemplary embodiment of the present application;

[0031] Figure 8b It is a schematic diagram of an allocation rule of an annual income priority second strategy provided by an exemplary embodiment of the present application;

[0032] Figure 9a It is a schematic diagram of another method of setting the target service data volume in the target service execution information in the resource service interface provided by an exemplary embodiment of the present application;

[0033] Figure 9b It is a schematic diagram of another method of setting a resource service policy in target service execution information in a resource service interface provided by an exemplary embodiment of the present application;

[0034] Fig.9c is a schematic diagram of performing modification on a first redemption service policy in a redemption policy setting area provided by an exemplary embodiment of the present application;

[0035] Fig.10 It is a schematic diagram of a background process of a resource redemption business provided by an exemplary embodiment of the present application;

[0036] Fig.11It is a schematic diagram of target business execution information submitted and set by an investor in a resource business interface provided by an exemplary embodiment of the present application;

[0037] Fig.12 It is a schematic diagram of an investor viewing the processing result of resource business processing provided by an exemplary embodiment of the present application;

[0038] Fig.13 It is a flowchart of another resource processing method provided by an exemplary embodiment of the present application;

[0039] Fig.14a It is a schematic diagram of selecting a target resource identifier in a resource combination configuration interface to create a resource combination account provided by an exemplary embodiment of the present application;

[0040] Fig.14b It is a schematic diagram of switching and displaying resource identifiers in a resource combination configuration interface provided by an exemplary embodiment of the present application;

[0041] Fig.14c It is another schematic diagram of switching to display resource identifiers in a resource combination configuration interface provided by an exemplary embodiment of the present application;

[0042] Fig.15a It is a schematic diagram of displaying one or more candidate resource combinations in a resource combination account provided by an exemplary embodiment of the present application;

[0043] Fig.15b is a schematic diagram of a resource details interface provided by an exemplary embodiment of the present application;

[0044] Fig.15c It is a schematic diagram of viewing a candidate resource identifier in a candidate resource combination provided by an exemplary embodiment of the present application;

[0045] Fig.16 is a schematic diagram of an account system provided by an exemplary embodiment of the present application;

[0046] Fig.17a It is a schematic diagram of first business execution information of resource business configuration of an investor in a resource combination configuration interface provided by an exemplary embodiment of the present application;

[0047] Fig.17b is a schematic diagram of a service configuration interface provided by an exemplary embodiment of the present application;

[0048] Fig.17c is a schematic diagram of another service configuration interface provided by an exemplary embodiment of the present application;

[0049] Fig.17dIt is a schematic diagram of configuring first business execution information in a resource combination configuration interface provided by an exemplary embodiment of the present application;

[0050] Fig.18 It is a schematic diagram of a background process for creating and configuring a resource combination account provided by an exemplary embodiment of the present application;

[0051] Fig.19 is a schematic diagram of an account list of a resource combination account provided by an exemplary embodiment of the present application;

[0052] Fig. 20 This is a schematic diagram of a method of viewing single revenue transaction information in a bill list of a resource combination account provided by an exemplary embodiment of the present application;

[0053] Fig.21 It is a schematic diagram of a background process of bookkeeping account income of a resource combination account provided by an exemplary embodiment of the present application;

[0054] Fig. 22 is a structural schematic diagram of a resource processing device provided by an exemplary embodiment of the present application;

[0055] Fig.23 It is a structural diagram of a computer device provided by an exemplary embodiment of the present application. DETAILED DESCRIPTION

[0056] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0057] The embodiment of the present application provides a resource processing solution, specifically a solution that supports users to create resource combination accounts and customize target business execution information for the resource combination accounts; it meets the needs of users to manage resource combination accounts in a personalized manner and improves the management flexibility of resource combination accounts. The following first introduces the technical terms and related concepts involved in the resource processing solution, including:

[0058] (1) Virtual resource products.

[0059] Virtual resource products can be referred to as virtual products or financial products, which are products issued by banks or financial institutions. Specifically, banks or financial institutions invest the electronic resources obtained by investors from purchasing financial products into the relevant financial markets corresponding to the financial products according to the product contract, and the income obtained can be distributed to investors according to the product contract, aiming to help investors achieve the goal of asset preservation and appreciation. Financial products may include but are not limited to: fund products, stock products, stable products, risk products, and bond products, etc.; the embodiment of this application does not limit the product type of financial products.

[0060] Among them, resource businesses (or business scenarios for short) related to financial products may include: resource subscription business, resource redemption business, resource dividend business and resource income business, etc. Among them:

[0061] ① Resource subscription business refers to the business scenario of purchasing financial products. In this business scenario, investors can choose the product shares of the financial products they need to buy (such as 1 share, 10 shares, etc.). The unit price of each share of the financial product multiplied by the product share purchased by the user is the subscription data volume required for resource subscription.

[0062] ② Resource redemption business, also known as quick redemption business or transfer-out business, refers to the transfer of all or part of the subscribed wealth management products from the wealth management account in exchange for assets (e.g., if the product is profitable, the cost of purchasing the wealth management product and the income obtained are redeemed; if the product is loss-making, only part of the cost of purchasing the wealth management product can be redeemed). Usually, users can specify the amount of redemption data, which refers to the redemption amount set by the user when performing a quick redemption operation on the wealth management product; the amount of redemption data may be limited by the quick redemption quota, which is also called the redemption quota, which refers to the upper limit of the cumulative amount that can be transferred out of a virtual resource product in a single natural day and a single sales channel (such as a wealth management platform) (e.g., the upper limit is 10,000 yuan). For example, the redemption quota of a virtual resource product is 10,000 yuan, and the investor has only purchased the virtual resource product on one wealth management platform and has redeemed 8,000 yuan in a single natural day, then the maximum redemption amount that the investor can redeem in that single natural day is 10,000 yuan - 8,000 yuan = 2,000 yuan.

[0063] ③ Resource allocation business refers to the company that issues financial products regularly returning part of its profits to the investor's resource account, ensuring that the investor can define the business scenario for obtaining an asset; for example, if the dividend rule indicates that 20% of the annual profit is allocated to the investor's resource account, then if the company obtains a profit of 10 million in a certain year, 200,000 of the profit can be allocated to the investor's resource account.

[0064] ④ Resource income business refers to the business scenario in which the costs and benefits during the effective period of the wealth management product purchased by the investor are returned to the investor when the wealth management product expires; for example, if the effective period set for the wealth management product is 1 year, then when the wealth management product expires, the cost of purchasing the wealth management product and the benefits obtained within 1 year will be returned to the investor.

[0065] (2)Account.

[0066] An account refers to a bookkeeping entity or bookkeeping book that classifies and records various economic operations and reflects changes in assets and equity related to the corresponding economic operations. Accounts can be divided into different types of accounts according to their functions; including but not limited to: social security accounts with social security functions, resource accounts with investment and financial management functions (such as financial management accounts), consumer accounts with resource consumption functions (such as balance accounts), and so on. In the embodiment of the present application, the resource processing scheme is introduced by taking the account as a resource account as an example. The resource account is an account opened by the user in the financial management platform, which is specifically used for investment and financial management; the user can use the resource account to implement financial management operations on the financial products / virtual products in the financial management platform, thereby realizing asset preservation and appreciation based on the financial management operations on the financial products. In short, financial products are managed and invested through resource accounts, and resource accounts provide a platform for subscription and redemption of financial products.

[0067] In an embodiment of the present application, it is supported to subdivide resource accounts into resource combination accounts and resource sub-accounts, and resource combination accounts include resource sub-accounts. Specifically, if a user selects multiple virtual products through a financial management platform, the financial management platform can automatically create a resource combination account and a resource sub-account; wherein the number of resource sub-accounts is the same as the number of selected virtual products, and one resource sub-account corresponds to one virtual product, and a platform for subscription and redemption of the corresponding virtual products can be provided. For example, if a user selects three virtual resource products through a financial management platform, the financial management platform will create a resource combination account and three resource sub-accounts, the three resource sub-accounts belong to the resource combination account, and one resource sub-account among the three resource sub-accounts corresponds to one virtual resource product.

[0068] Further, considering that the resource combination account provides a platform for subscription and redemption of multiple virtual resource products, the user is allowed to realize batch management and investment of multiple virtual resource products through the resource combination account. In actual application, when a user submits a batch processing request for multiple virtual resource products, the financial management platform specifies a resource business strategy to perform resource business processing in multiple virtual resource products. For example, if a user wants to use the subscription data volume to subscribe for resources in multiple virtual resource products, then the financial management platform specifies a resource business strategy to automatically help the user to distribute the subscription data volume among multiple virtual resource products, and to subscribe to the corresponding virtual resource products according to the subscription data volume allocated to each virtual resource product. For another example, when a user wants to transfer the redemption data volume from multiple virtual resource products, the financial management platform specifies a resource business strategy to automatically help the user to distribute the redemption data volume to multiple virtual resource products, and to redeem the assets corresponding to the redemption data volume allocated from the corresponding virtual resource products according to the redemption data volume allocated to each virtual resource product. This method of batch managing multiple virtual resource products by the financial management platform using a common resource business strategy can help users batch manage multiple virtual resource products to a certain extent. However, since the resource business strategy is universal, that is, the financial management platform uses the same resource business strategy for resource management for each user, resource management cannot meet the user's personalized requirements well.

[0069] In order to improve the user's autonomous management authority over multiple virtual resource products and help users flexibly manage multiple virtual resource products, the embodiment of the present application proposes a solution for users to customize the combination and allocation of multiple virtual resource products. The resource processing solution allows users to flexibly configure multiple virtual resource products, and configure resource business strategies (such as resource purchase strategies and resource redemption strategies) and target business data volumes (such as redemption data volumes and purchase data volumes) for multiple virtual resource products. Each time a user purchases or redeems resources for multiple virtual resource products, the financial management platform provides a variety of resource business strategies for users to choose from. Through the user's autonomous selection of virtual resource products and setting of resource business strategies and target business data volumes, the management of multiple virtual resource products has better flexibility and can better meet the personalized needs of users.

[0070] The general implementation process of the resource processing scheme provided by the embodiment of the present application may include: when an investor (such as the user mentioned above) has a demand for resource business processing for multiple virtual resource products, the resource business interface provided by the financial management platform for the resource combination account can be opened through a computer device; the resource combination account is a general account automatically created by the financial management platform for the investor after the user selects multiple virtual resource products when configuring the product combination, and the general account includes N resource sub-accounts, N is an integer greater than 1, and each resource sub-account is a sub-account created by the financial management platform for a virtual resource product selected by the investor. Then, the investor performs an information setting operation in the resource business interface, and the terminal receives the target business execution information set by the user for the resource combination account in response to the information setting operation, and the target business execution information refers to the information required for resource business processing in N resource sub-accounts when there is a resource business event in the resource combination account; the target business execution information includes but is not limited to a resource business strategy and a target business data volume, and the resource business strategy is used to indicate: an allocation rule for allocating the target business data volume between the N resource sub-accounts. In this way, when there are resource business events in the resource portfolio account, the financial management platform performs resource business processing in N resource sub-accounts according to the allocation rules indicated by the resource business strategy independently selected by the investor, specifically allocating the target business data volume among the N resource sub-accounts.

[0071] It can be seen that, on the one hand, the embodiment of the present application provides an account system, which associates the resource combination account, the resource sub-account and the target business execution information set by the investor for the resource combination account, so as to help investors flexibly control the resource business processing of multiple virtual resource products through the account system, improve the flexibility and convenience of resource business processing, and also improve the processing efficiency of resource business processing. On the other hand, it allows investors to customize the target business execution information for the resource combination account in the resource business interface. Compared with the general business execution information provided by the financial management platform, it gives investors more abundant autonomous management rights for multiple virtual resource products, which can meet the needs of users to manage N resource sub-accounts in a personalized manner, improve the management flexibility of each resource sub-account in the resource combination account, significantly improve the user's financial management experience, and enhance the user's stickiness to the financial management platform.

[0072] To facilitate understanding of the resource processing solution provided in the embodiment of the present application, Figure 1 The resource processing system shown in the figure briefly introduces the resource processing system used in the resource processing solution involved in the embodiment of the present application. Figure 1 As shown, the resource processing system includes a terminal 101, a server 102 and a server 103. The embodiment of the present application does not limit the number and naming of the terminal 101, the server 102 and the server 103.

[0073] in:

[0074] Terminal 101 is a terminal device used by investors; a financial management platform is installed and operated in the terminal device, and investors can use the financial management platform to manage virtual resource products corresponding to each resource sub-account in the resource combination account, and customize the resource combination account through the financial management platform; specifically, investors perform operations on the front end of terminal 101, and the front end and the financial management platform deployed in terminal 101 interact to achieve the investor's operation purpose. Among them: ① The financial management platform refers to a platform that can provide asset management and investment, specifically a financial management application (such as it can be called a resource application in the embodiment of this application); the embodiment of this application does not limit the operation mode of the financial management platform in the terminal 101. For example, according to the classification of the operation mode, the resource application may include but is not limited to: a client installed in the terminal, a small program that can be used without downloading and installing, a web application opened through a browser, etc. Alternatively, the financial management platform can also be deployed in other applications (such as social applications) in the form of a plug-in, that is, the financial management platform is plug-in-level; in this way, other applications can be used to open the financial management platform in the form of a plug-in to implement the resource processing solution provided in the embodiment of this application. ②Terminal 101 is classified according to device type, which may include but is not limited to: smart phones (such as smart phones deploying Android system, or smart phones deploying Internetworking Operating System (IOS)), tablet computers, portable personal computers, mobile Internet devices (Mobile Internet Devices, MID), vehicle-mounted devices, head-mounted devices and other terminal devices. The embodiments of the present application do not limit the type of terminal devices, which is explained here.

[0075] Server 102 is a server corresponding to terminal 101, and is used to interact with terminal 101 to provide computing and application service support for terminal 101; server 102 can be a backend server corresponding to the financial management platform running in terminal 101, so as to provide computing and application service support for the financial management platform in terminal 101 through terminal 101. Server 103 is a backend server corresponding to the product issuer that issues virtual products; product issuers (such as banks or financial institutions, etc.) can issue virtual products to the financial management platform through server 103, so that investors who register for financial management products can subscribe for virtual products. Among them, server 102 and server 103 can be independent physical servers, or server clusters or distributed systems composed of multiple physical servers, or cloud servers that provide basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (CDNs), and big data and artificial intelligence platforms.

[0076] The various devices included in the resource processing system can be directly or indirectly connected in a wired or wireless manner, and the embodiments of the present application do not limit the communication method between the devices. For example, the communication method between the devices may include but is not limited to: using HTTP requests, remote procedure calls, sockets, and shared content.

[0077] The resource processing solution provided in the embodiment of the present application can be executed by a computer device, which may include Figure 1 The terminal 101 and the server 102 in the resource processing system shown in the figure, or one of the terminal 101 and the server 102; the embodiment of the present application does not limit the execution subject of the resource processing scheme. Figure 1 The resource processing system shown provides a brief introduction to the solution process.

[0078] In a specific implementation, the product publisher of the virtual resource product can publish its virtual resource product to the server 102 through the server 103; thus, when the investor opens the financial management platform through the terminal 101 to select the virtual resource product, the server 102 can put the virtual resource product of the product publisher into the terminal 101, so as to facilitate the investor's selection of the virtual resource product published by the product publisher. Furthermore, when the investor has the need to perform resource business processing on multiple virtual resource products, the resource business interface provided by the financial management platform for the resource portfolio account can be opened through the terminal 101; the resource business interface can display a variety of resource business strategies provided by the financial management platform, so that the investor can perform information setting operations in the resource business interface, aiming to set the resource business strategy and target business data volume for the resource portfolio account, and the resource business strategy and target business data volume together constitute the target business execution information of the resource portfolio account. Then, if the investor triggers resource business processing in the resource combination account through the terminal 101, the terminal 101 detects the existence of a resource business event in the resource combination account. At this time, the terminal 101 can send the target business execution information set by the investor for the resource combination account to the server 102, and the server 102 performs resource processing among the N resource sub-accounts in the resource combination account according to the target business execution information, specifically, performs resource business processing in the N resource sub-accounts according to the allocation rules indicated by the resource business policy. Furthermore, the server 102 can return the processing result of the resource business processing to the terminal 101, so that the investor can timely understand the relevant investment situation of the resource combination account through the terminal 101.

[0079] It should be noted that the embodiments of the present application are combined with Figure 1 The resource processing system provided is to more clearly illustrate the technical solution of the embodiment of the present application, and does not constitute a limitation on the technical solution provided by the embodiment of the present application. A person skilled in the art can know that with the evolution of the system architecture and the emergence of new business scenarios, the technical solution provided by the embodiment of the present application is also applicable to similar technical problems. For example, depending on the business type of the resource business, the architecture of the resource processing system may be different; for example, in the resource purchase business, the exemplary architecture diagram of the resource processing system can be seen in Figure 2 Compared to Figure 1 As for the resource processing system shown, Figure 2The resource processing system shown has added a server 104, which is a back-end server with payment capabilities, and can be a server corresponding to a payment platform, such as a server corresponding to a third-party payment service provider. In this way, after the investor sets the target business data volume (the target business data volume is the subscription data volume at this time) through the financial management platform in the terminal 101, the target business data volume can be sent to the server 104, so that the server 104 can deduct the assets corresponding to the subscription data volume from the investor's payment account, and after the complete asset deduction, send a notification to the server 102 that the virtual resource product is issued to the resource portfolio account.

[0080] It should also be noted that the collection and processing of relevant data in the embodiments of this application should be strictly in accordance with the requirements of relevant laws and regulations. The acquisition of personal information requires the knowledge or consent of the individual subject (or the legal basis for obtaining information), and the subsequent use and processing of data shall be carried out within the scope of authorization of laws and regulations and the subject of personal information. For example, when the embodiments of this application are applied to specific products or technologies, such as the resource business strategy used in resource business processing, it is necessary to obtain the confirmation of the investor who sets the resource business strategy, and the collection, use and processing of relevant data shall comply with the relevant laws, regulations and standards of the relevant regions.

[0081] Based on the resource processing scheme described above, the embodiment of the present application proposes a more detailed resource processing method. The resource processing method proposed in the embodiment of the present application will be described in detail below in conjunction with the accompanying drawings.

[0082] See also Figure 3 , Figure 3 A schematic diagram of a resource processing method provided by an exemplary embodiment of the present application is shown. Figure 3 The resource processing method shown mainly introduces the specific implementation process of a user transferring funds into or out of a created resource combination account. Figure 3 The resource processing method shown can be executed by a computer device (such as a terminal that deploys the resource processing method provided by the present application), and the resource processing method includes but is not limited to steps S301-S303:

[0083] S301: Display the resource business interface corresponding to the resource combination account.

[0084] A resource portfolio account is a general account automatically created by the financial management platform according to the multiple virtual resource products selected by the investor when the investor who uses the financial management platform wants to manage multiple virtual resource products in batches; the resource portfolio account includes resource sub-accounts corresponding to each of the multiple virtual resource products selected, and each resource sub-account provides a platform for resource business processing (such as resource purchase, resource redemption, and resource dividends, etc.) for the corresponding virtual resource product. In the embodiment of the present application, the number of virtual resource products selected by the investor is N, and N is an integer greater than 1, as an example for parameters, which is specially explained here.

[0085] The resource business interface corresponding to the resource portfolio account is a user interface (UI) provided by the financial management platform for setting the target business execution information required for resource business processing in the resource portfolio account. One resource business processing corresponds to one resource business. For example, resource business can include the aforementioned resource subscription business and resource redemption business, etc. The resource business processing corresponding to the resource subscription business is the resource subscription processing, and the resource business processing corresponding to the resource redemption business is the resource redemption processing.

[0086] The following uses resource subscription business and resource redemption business as examples to introduce the resource business interfaces of these two resource businesses; Figure 4As shown, when an investor wants to batch process N virtual resource products corresponding to a resource portfolio account (i.e., virtual resource products managed by each resource sub-account included in the resource portfolio account), the investor can open the investment service interface 401 provided by the financial management platform through the terminal. The investment service interface 401 includes a resource information area 4011 corresponding to the resource portfolio account created by the investor in the historical time. The resource information area 4011 is used to display resource information related to the resource portfolio account, including but not limited to yesterday's income, cumulative income and other information. The resource information area 4011 also includes business buttons (or options, buttons, controls and components, etc.) corresponding to resource services, such as a subscription button 4012 corresponding to the resource subscription service and a redemption button 4013 corresponding to the resource redemption service. When an investor wants to subscribe for resources in a resource portfolio account, the investor can perform a trigger operation on the subscription button 4012 in the resource service interface 401. At this time, the terminal responds to the trigger operation and displays a resource business interface 402 of the resource portfolio account in the business scenario of the resource subscription business on the display screen; the interface content displayed in the resource business interface 402 is all related to the resource subscription business. Similarly, when an investor wants to redeem resources in a resource combination account, the investor can trigger the redemption button 4013 in the resource service interface 401. At this time, the terminal responds to the trigger operation and displays the resource business interface 402 of the resource combination account in the business scenario of the resource redemption business on the display screen; the interface content displayed in the resource business interface 402 is all related to the resource redemption business.

[0087] It should be noted that Figure 4 The interface content and interface style of the resource service interface and resource business interface shown are examples. For example, if an investor has created at least two resource combination accounts in the past, then the resource information area corresponding to each of the at least two resource combination accounts can be displayed in the investment service interface. Among them, when an investor has created at least two resource combination accounts in the past, the same virtual resource products may exist in multiple resource combination accounts; the embodiment of the present application supports taking resource combination accounts as units, and each resource combination account includes different resource sub-accounts for the same virtual resource product, so as to achieve asset isolation of the same virtual resource product between different resource combination accounts.

[0088] S302: In response to an information setting operation performed in the resource business interface, receiving target business execution information set for the resource portfolio account.

[0089] As described above, the target business execution information refers to the information required to perform resource business processing in N resource sub-accounts when there is a resource business event in the resource portfolio account; in other words, the target business execution information is customized by the investor and is the information required to perform resource business processing in the resource portfolio account.

[0090] In the embodiment of the present application, the target business execution information mainly includes the resource business strategy and the target business data volume. The resource business strategy is used to indicate the allocation rules for allocating the target business data volume among N resource sub-accounts. Depending on the resource business, the resource business strategy and the target business data volume are different. The embodiment of the present application does not limit the specific policy content of the resource business strategy, that is, the embodiment of the present application does not limit the allocation rules indicated by the resource business strategy; the developers of the financial management platform can create a variety of resource business strategies from multiple dimensions such as the financial management platform and investors, respectively, to meet the management needs of the financial management platform and the investment needs of investors, thereby expanding the stickiness of the financial management platform to investors. Similarly, the embodiment of the present application does not limit the target business data volume, and the target business data volume is customized by the investor; in the resource redemption business, the target business data volume may be subject to the limit of the quick redemption quota. The following is a brief introduction to the resource business strategy and the target business data volume under different resource businesses; among which:

[0091] ①When the resource business is a resource subscription business, the resource business strategy can be called the resource subscription strategy, and the target business data volume can be called the subscription amount (i.e., the subscription data volume mentioned above). The subscription amount refers to the assets paid by investors for purchasing virtual resource products; at this time, the resource subscription strategy is used to indicate the allocation rules for allocating the subscription amount among N resource sub-accounts, and each resource sub-account can use the allocated subscription amount to purchase the corresponding virtual resource products. Similarly, ②When the resource business is a resource redemption business, the resource business strategy can be called the resource redemption strategy, and the target business data volume can be called the redemption amount (i.e., the redemption data volume mentioned above). The redemption amount refers to the assets that investors want to transfer out of the resource portfolio account; at this time, the resource subscription strategy is used to indicate the allocation rules for allocating the redemption amount among N resource sub-accounts, and each resource sub-account needs to transfer out the assets corresponding to the allocated subscription amount. It can be seen from this that investors need to set the corresponding target business execution information for each resource business in the resource business interface, that is, the resource business strategy and target business data volume that are compatible with each resource business.

[0092] In a specific implementation, the resource business interface includes a data volume setting area and a policy setting area. The data volume setting area is used by investors to set the target business data volume in the data volume setting area, and the policy setting area is used by investors to set the resource business policy in the policy setting area. The target business data volume and the resource business policy belong to the target business execution information. Specifically, the investor can perform a data volume setting operation in the data volume setting area. At this time, the terminal receives the set target business data volume according to the data volume setting operation performed by the investor in the data volume setting area, and displays the set target business data volume in the data volume setting area; similarly, the investor can perform a policy setting operation in the policy setting area. At this time, the terminal displays the set resource business policy in the policy setting area according to the policy setting operation performed by the investor in the policy setting area.

[0093] In detail, when an investor has a requirement to set a target business data volume, the terminal can first display the first business data volume pre-configured by the investor in the data volume setting area. If the investor wants to directly use the pre-configured first business data volume, the investor can perform a data volume confirmation operation for the first business data volume, and the terminal directly uses the first business data volume as the target business data volume in response to the data volume confirmation operation for the first business data volume. Conversely, if the investor does not want to use the pre-configured first business data volume, the investor can perform a data volume input operation in the data volume setting area to set the business data volume of the information. At this time, the terminal responds to the data volume input operation performed by the investor in the data volume setting area, uses the second business data volume set in the data volume setting area as the target business data volume, and uses the second business data volume input by the data volume input operation in the data volume setting area to replace the first business data volume.

[0094] Similarly, when an investor has a need to set a resource business policy, the terminal can first display the first business policy pre-configured by the investor in the policy setting area. If the investor wants to directly use the pre-configured first business policy, the investor can perform a policy confirmation operation on the first business policy, and the terminal directly uses the first business policy as the resource business policy in response to the policy confirmation operation for the first business policy. Conversely, if the investor does not want to use the pre-configured first business policy, the investor can perform a policy modification operation on the first business policy in the policy setting area. At this time, the terminal responds to the policy modification operation performed by the investor in the policy setting area, uses the second business policy set in the policy setting area as the resource business policy, and replaces the first business policy displayed in the policy setting area with the second business policy input by the policy modification operation.

[0095] It is worth noting that the target business execution information set in the resource business interface may be the first business execution information pre-configured by the investor when creating a resource combination account; in this way, in the process of specific resource business processing, the investor can use the pre-set first business execution information as the business execution information required for resource business processing by default; wherein the first business execution information includes the first business data volume and the first business strategy. Alternatively, the target business execution information set in the resource business interface may also be the second business execution information temporarily set by the investor in the resource business interface; the second business execution information includes the second business data volume and the second business strategy. It can be seen that before performing resource business processing on the resource combination account, the embodiment of the present application allows the investor to use the pre-set target business execution information, which can save the time spent by the investor in temporarily setting the target business execution information to a certain extent; the embodiment of the present application also allows the investor not to use the pre-set target business execution information, but to set the target business execution information in real time, to ensure the flexibility of the target business execution information, and to adapt well to the personalized setting needs of the investor when the investor's resource business processing needs for the resource combination account change.

[0096] The following uses the resource business, resource subscription business and resource redemption business, as examples, and describes the process of setting target business execution information for resource business in the resource business interface corresponding to the resource portfolio account, with reference to the attached drawings, where:

[0097] 1. Resource business refers to resource purchase business.

[0098] Resource purchase strategies under the resource purchase business may include but are not limited to: the first strategy of balancing income and redemption quota, the first strategy of annual income, the first strategy of monthly income, and the first strategy of daily income. The following is a brief introduction to the above-mentioned resource purchase strategies, including:

[0099] (1) The resource subscription strategy is to balance the income and redemption quota.

[0100] The strategic idea of ​​the first strategy of balancing income and redemption quota is: give priority to allocating the subscription data volume set by investors to the resource sub-accounts whose resource holding amount is less than the redemption quota among the N resource sub-accounts included in the resource portfolio account; if the resource holding amount of each resource sub-account in the N resource sub-accounts is greater than the redemption quota, the subscription data volume is allocated in the order of the yield of the virtual resource products in each resource sub-account in the N resource sub-accounts from high to low. Among them, the resource holding amount of the resource sub-account can be called the single fund holding assets, the single fund redeemable amount, etc., which refers to the assets of the corresponding virtual resource products held in the resource sub-account at the current moment. It can be seen that the first strategy of balancing income and redemption quota gives priority to replenishing the holding assets for each resource sub-account, so as to help each resource sub-account to redeem the maximum amount (i.e., the redemption quota) that can be redeemed when the resources are redeemed, avoid the asset clearing caused by the redemption of a virtual resource product due to the small holding assets of a virtual resource product, and help investors keep the assets of the virtual resource product non-zero.

[0101] The specific contents of the allocation rules indicated by the first strategy of balancing income and redemption quota are as follows:

[0102] 1. Constraints: Assume that the quick redemption quota (i.e. redemption quota) of the virtual resource product is RMB 10,000, and the subscription data volume / subscription amount set by the investor in the resource business interface is T.

[0103] 2. If the redemption data volume / redemption amount set by the investor in the resource business interface is expressed as Quota (abbreviated as Q), the number of virtual resource products to be purchased is determined to be Num = Q / 10000

[0104] 3. Get the asset distribution of each resource sub-account in the current resource portfolio account. Any resource sub-account among N resource sub-accounts is represented as i, then the asset distribution of any resource sub-account i can be represented as Asset(i)

[0105] 4. If the number of resource sub-accounts with a resource holding amount less than 10,000 among N resource sub-accounts is less than Num, the resource sub-accounts with a resource holding amount less than the quick redemption amount will be allocated the subscription data volume first; the allocation methods include:

[0106] ① The current allocable subscription data volume A = the subscription data volume T set by the investor in the resource business interface;

[0107] ② The number of resource sub-accounts whose resource holding amount is greater than the quick redemption amount among the N resource sub-accounts is n, where n is an integer and belongs to [0, N];

[0108] ③ If the asset distribution Asset(i) of resource sub-account i is less than the quick redemption limit of 10,000, then the assets of resource sub-account i are replenished:

[0109] a) The amount of subscription data to be allocated to resource sub-account i is denoted as B(i), that is, the amount of subscription data to be transferred into resource sub-account i is denoted as B(i), and B(i) = min(10,000 - Asset(i), A);

[0110] b) A = A - B(i);

[0111] c) n = n + 1;

[0112] ④ If A calculated in b) is greater than 0 and n calculated in c) < Num, jump to step ② to continue replenishing the next resource sub-account;

[0113] ⑤ If A calculated in b) is greater than 0 and n calculated in c) = Num, it indicates that the resource holding amounts of each resource sub-account among the N resource sub-accounts have reached or exceeded the quick redemption limit. Then, the remaining amount of subscription data is allocated to one or more resource sub-accounts with higher historical yields among the N resource sub-accounts. For example, if resource sub-account 1 among the N resource sub-accounts had the highest yield yesterday, then the remaining amount of subscription data can be fully allocated to resource sub-account 1 for subscribing to the corresponding virtual resource product. Another example, if resource sub-account 1 and resource sub-account 2 among the N resource sub-accounts had higher yields than other resource sub-accounts yesterday, then the remaining amount of subscription data can be evenly allocated or allocated according to weights to resource sub-account 1 and resource sub-account 2, so that resource sub-account 1 and resource sub-account 2 can respectively use the allocated amount of subscription data to subscribe to the corresponding virtual resource products.

[0114] To facilitate the understanding of the first strategy for balancing returns and redemption limits described above, the following combines with the attached Figure 5a Examples are given to illustrate the specific allocation rules of the first strategy for balancing returns and redemption limits. Such as Figure 5aAs shown, assuming that the amount of subscription data A set by the investor for this resource subscription is RMB 8,000, the resource portfolio account includes resource sub-account 1, resource sub-account 2, resource sub-account 3 and resource sub-account 4, and the resource holding amount of resource sub-account 1 is Asset(1)=8,000, the resource holding amount of resource sub-account 2 is Asset(2)=12,000, the resource holding amount of resource sub-account 3 is Asset(3)=7,000, and the resource holding amount of resource sub-account 4 is Asset(4)=20,000. Then, the number of resource sub-accounts whose resource holding amount is greater than the quick redemption amount of RMB 10,000 is determined to be n=2. Then, we can first make up the difference for resource subaccount 1, specifically: calculate the amount of subscription data allocated to resource subaccount 1 B(1)=min(10000-8000, 10000)=2000 yuan, and update the remaining subscription resource amount A=8000-2000=6000 yuan; continue, make up the difference for resource subaccount 3, specifically: calculate the amount of subscription data allocated to resource subaccount 3 B(3)=min(10000-7000, 6000)=3000 yuan, update the remaining subscription resource amount A=6000-3000=3000 yuan, and update n=4, to make sure that the resource holding amount of each of the four resource subaccounts is greater than the quick redemption amount. Furthermore, the remaining subscription resource amount A=3,000 yuan is allocated to resource sub-accounts with high yields. For example, if resource sub-account 1 had the highest yield yesterday, the remaining subscription resource amount A=3,000 yuan can be allocated to resource sub-account 1. This is to ensure that N resource sub-accounts have sufficient quick redemption quotas while maximizing the overall returns that investors can obtain from the resource portfolio account.

[0115] (2) The resource purchase strategy is to prioritize annual returns.

[0116] The strategic idea of ​​the annual yield priority strategy is to prioritize the allocation of subscription data to one or more resource sub-accounts with higher annual yields among N resource sub-accounts. This resource subscription strategy can ensure that all or most of the subscription data set by investors are used to subscribe to virtual resource products with higher yields, thereby significantly improving investors' financial management income. Among them, the annual yield refers to the investment yield of the subscribed virtual resource product within one year, usually expressed in the form of a percentage; it is used to measure the investment income of investors for the virtual resource product within one year.

[0117] For example, suppose the allocation rule of the annual income priority strategy is: allocate the subscription data volume to the resource sub-account whose annual income rate is greater than the income rate threshold (such as 2%). Figure 5bAs shown, assuming that the investor sets the subscription data volume A = 8,000 yuan for this resource subscription, the resource portfolio account includes resource sub-account 1, resource sub-account 2, resource sub-account 3 and resource sub-account 4, and the annual rate of return of resource sub-account 1 is 2.1%, the annual rate of return of resource sub-account 2 is 1.1%, the annual rate of return of resource sub-account 3 is 3% and the annual rate of return of resource sub-account 4 is 1.9%, then it is determined that the annual rate of return of resource sub-account 1 and resource sub-account 3 is greater than the rate of return threshold, then the subscription data volume A can be allocated to resource sub-account 1 and resource sub-account 3. Optionally, the subscription data volume can be evenly distributed to resource subaccount 1 and resource subaccount 3. In this case, resource subaccount 1 and resource subaccount 3 are both allocated 4,000 yuan. Optionally, the subscription data volume can be allocated to resource subaccount 1 and resource subaccount 3 according to the numerical value of the annual rate of return as a weight. For example, if the annual rate of return of resource subaccount 3 is 3% which is greater than 1.5 times the annual rate of return of resource subaccount 1, which is 2.1%, then the subscription data volume allocated to resource subaccount 3 is calculated to be 8,000*75%=6,000, and the subscription data volume allocated to resource subaccount 1 is 8,000*25%=2,000.

[0118] It should be noted that Figure 5b The allocation rules indicated by the annual income priority first strategy shown are exemplary; for example, it is also supported to allocate the subscription data volume only to the resource sub-account with the highest annual yield among the N resource sub-accounts. The embodiment of the present application does not limit the allocation rules indicated by the annual income priority first strategy.

[0119] (3) The resource purchase strategy is to prioritize monthly income first.

[0120] The strategic idea of ​​the monthly income priority strategy is to prioritize the allocation of subscription data to one or more resource sub-accounts with higher monthly yields among N resource sub-accounts. This resource subscription strategy can ensure that all or most of the subscription data set by investors are used to subscribe to virtual resource products with higher yields, thereby significantly improving investors' financial management income. Among them, the monthly yield refers to the investment yield of the subscribed virtual resource product within one month, usually expressed in the form of a percentage; it is used to measure the investment income of investors for the virtual resource product within one month.

[0121] (4) The resource purchase strategy is to prioritize daily returns.

[0122] The strategic idea of ​​the daily yield priority strategy is to prioritize the allocation of subscription data to one or more resource sub-accounts with higher daily yields among N resource sub-accounts. This resource subscription strategy can ensure that all or most of the subscription data set by investors are used to subscribe to virtual resource products with higher yields, thereby significantly improving investors' financial management income. Among them, the daily yield refers to the investment yield of the subscribed virtual resource product within one day, usually expressed in the form of a percentage; it is used to measure the investment income of investors for the virtual resource product within one day.

[0123] It should be noted that the strategic ideas of the annual income priority first strategy, the monthly income priority first strategy and the daily income priority first strategy are similar. The difference lies in calculating the rate of return of the virtual resource products held in units of year, month and day respectively; for the specific content of the above-mentioned monthly income priority first strategy and daily income priority first strategy, please refer to the relevant description of the relevant content of the annual income priority first strategy.

[0124] It can be seen that the embodiments of the present application support the creation of resource subscription strategies from multiple dimensions, such as creating an annual income priority first strategy, a monthly income priority first strategy and a daily income priority first strategy from the dimension of increasing investors' financial management income, and creating an income and redemption amount balance first strategy from the dimension of ensuring that the resource sub-account has sufficient redemption amount; this allows investors to set strategies according to their own personalized needs when setting resource business strategies, so as to meet the business needs of investors (such as the demand for the estimated holding time of virtual resource products), thereby improving the overall account return of the resource portfolio account.

[0125] Among them, the reference factors that investors consider when setting resource business strategies for resource portfolio accounts may include at least one of the following: ① The holding period of the resource portfolio account; for example, if you hope that the virtual resource products in the resource sub-account are held for a longer period of time, you can choose the annual income priority first strategy. If you hope that the virtual resource products in the resource sub-account are held for a shorter period of time, you can choose the daily income priority first strategy to ensure that more financial management income can be obtained within the holding period. ② The balance between account income and account redemption when there are resource business events in the resource portfolio account; for example, if investors hope that each resource sub-account in the resource portfolio account maintains a corresponding virtual resource product to avoid the situation where the shares of the virtual resource products in a certain resource sub-account are fully redeemed, then the investor can choose the income and redemption amount balance first strategy to make up for the resource sub-accounts with insufficient resource holdings while increasing financial management income. ③ Account income of the resource portfolio account; if investors do not care about the holding period of the virtual resource products, but focus on the overall financial management income of the entire resource portfolio account; then investors can also choose the income priority first strategy, the strategic idea of ​​which is: calculate the annual rate of return, monthly rate of return and daily rate of return of each resource sub-account in the N resource sub-accounts respectively; determine the rate of return with the highest rate of return (such as annual rate of return) from the annual rate of return, monthly rate of return and daily rate of return of each resource sub-account respectively; compare the highest rate of return of each resource sub-account in the N resource sub-accounts, and allocate subscription data volume to one or more resource sub-accounts with higher rate of return. It should be understood that the resource subscription strategy described above and the reference factors used by investors when setting resource subscription strategies are examples, and will not limit the embodiments of the present application, which is specially explained here.

[0126] The above introduces the strategy details of several exemplary resource subscription strategies under the resource subscription business. The following introduces the process of setting the target business execution information for investors in the resource business interface corresponding to the resource portfolio account for the resource subscription business. It should be noted that, in order to facilitate the distinction between the data volume setting areas corresponding to the resource subscription business and the resource redemption business, the data volume setting area used to set the target business data volume for the resource subscription business can be referred to as the subscription data volume setting area, and the data volume setting area used to set the target business data volume for the resource redemption business can be referred to as the redemption data volume setting area. Similarly, in order to facilitate the distinction between the policy setting areas corresponding to the resource subscription business and the resource redemption business, the policy setting area used to set the resource business policy for the resource subscription business can be referred to as the subscription policy setting area, and the policy setting area used to set the resource business policy for the resource redemption business can be referred to as the redemption policy setting area.

[0127] For example, a schematic diagram of setting the target business data volume in the target business execution information in the resource business interface can be found in Figure 6a ;like Figure 6a As shown, when implementing resource subscription business in a resource combination account, the resource business interface corresponding to the resource combination account includes an identification area 601 and a subscription data volume setting area 602. Among them: ① The combination account identification of the resource combination account is displayed by default in the identification area 601. The combination account identification is used to uniquely identify the resource combination account and can be customized by the investor when creating the resource combination account. ② The subscription data volume setting area 602 is used by the investor to set the target business data volume required for the resource combination account to implement the resource subscription business (the target business data volume is the subscription data volume in this case).

[0128] Among them, the first business data volume pre-configured for the resource subscription business is displayed by default in the subscription data volume setting area 602, and the first business data volume can be called the first subscription data volume at this time. If the investor wants to use the pre-configured first subscription data volume in this resource subscription business, the investor does not need to set the target business data volume in the resource business interface, and only needs to perform a confirmation operation for the first subscription data volume displayed by default (such as selecting the submit option 604 in the resource business interface after setting the resource business strategy); at this time, the terminal responds to the confirmation operation for the first subscription data volume and uses the first subscription data volume as the target business data volume finally used by the resource subscription business. On the contrary, if the investor does not want to use the pre-configured first subscription data volume in this resource subscription business, the investor can perform a data volume input operation in the data volume setting area; at this time, the terminal responds to the data volume input operation performed in the data volume setting area, and uses the second subscription data volume input by the data volume input operation to replace the first subscription data volume in the data volume setting area, so that the second subscription data volume is used as the target business data volume finally used by the resource subscription business.

[0129] Similarly, the process of setting the target business data volume in the resource business interface is similar. For a schematic diagram of setting the resource business strategy in the target business execution information in the resource business interface, see Figure 6b ;like Figure 6b As shown, in addition to the identification area 601 and the subscription data volume setting area 602, the resource business interface also includes a subscription strategy setting area 603; the subscription strategy setting area 603 is used by investors to set the resource business strategy required for the resource portfolio account to implement the resource subscription business (in this case, the resource business strategy is the resource subscription strategy).

[0130] In order to save investors time in setting resource business policies, the embodiment of the present application supports displaying the first business policy pre-configured for the resource subscription business by default in the policy setting area. At this time, the first business policy can be called the first subscription business policy. If the investor wants to use the pre-configured first subscription business policy in this resource subscription business, the investor does not need to set the resource business policy in the resource business interface, but only needs to perform a confirmation operation for the first subscription business policy displayed by default (such as selecting the submit option 604 in the resource business interface after setting the target business data volume); at this time, the terminal determines that there is a confirmation operation for the first subscription business policy, and uses the first subscription business policy as the resource business policy finally used by the resource subscription business. On the contrary, if the investor does not want to use the pre-configured first subscription business strategy in this resource subscription business, the investor can perform a modification operation on the first subscription business strategy in the policy setting area; at this time, if the terminal detects the modification operation in the policy setting area, it will delete the first subscription business strategy in the policy setting area and set the second business strategy in the policy setting area (at this time, the second business strategy can be called the second subscription business strategy), and the second subscription business strategy will serve as the resource business strategy ultimately used by the resource subscription business.

[0131] For example, a schematic diagram of a modification operation performed by an investor in a strategy setting area on a first business strategy can be seen in Figure 6c . Figure 6cAs shown, if the investor performs a trigger operation in the subscription strategy setting area 603, the terminal responds to the trigger operation in the subscription strategy setting area 603 and outputs a subscription strategy display window 605, which can be an independent page or displayed in a floating form on the resource business interface; one or more second subscription business strategies are displayed in the subscription strategy display window 605. Among them, the embodiment of the present application does not limit the trigger operation performed by the investor in the subscription strategy setting area 603, including but not limited to: the subscription strategy setting area 603 is provided with a strategy control 6031, and the trigger operation here is the click operation performed by the investor on the strategy control 6031; when the strategy control 6031 is clicked, it indicates that the investor may have the need to replace the business strategy currently displayed in the subscription strategy setting area 603 (such as the first subscription business strategy or the second subscription business strategy set by the investor in real time). Furthermore, the investor may perform a strategy selection operation in the subscription strategy display window 605, which refers to an operation of selecting a resource business strategy from one or more second subscription business strategies. At this time, the terminal may delete the first subscription business strategy in the strategy setting area and display the selected second subscription business strategy in the subscription strategy setting area according to the strategy selection operation performed by the investor on one or more second subscription business strategies; in this way, the selected second subscription business strategy serves as the resource business strategy ultimately used in the resource subscription business.

[0132] It should be noted that: ① Considering that investors may not be familiar with all the allocation rules indicated by the second subscription business strategies; therefore, the embodiment of the present application also supports investors to view the second subscription business strategies in the subscription strategy display window 605, so as to help investors better select the second subscription business strategy that matches their financial needs. Figure 6c As shown, in the purchase strategy display window 605, a detail viewing control 6051 is displayed in the display area corresponding to each second purchase business strategy; when any detail viewing control 6051 is triggered, it means that the investor has a need to view the strategy details of the corresponding second purchase business strategy, and the strategy details of the second purchase business strategy are output for the investor to understand. ② The embodiment of the present application does not limit the specific operation process of the modification operation performed by the investor in the strategy setting area on the first purchase business strategy; except as follows Figure 6c As shown, a click operation is performed on the policy control 6031 set in the subscription policy setting area 603 to trigger the display of one or more second subscription business policies for investors to select. In addition, the embodiment of the present application also supports investors to directly enter the policy name of the resource business policy in the subscription policy setting area 603.

[0133] The above is an introduction to the configuration process of the target business execution information corresponding to the user's resource purchase business from the interface dimension. Figure 7 , introduces the background implementation process of resource purchase business from the background technology dimension; Figure 7 As shown, the background implementation process of the resource purchase service may include but is not limited to steps s101-s112, wherein:

[0134] s101: The investor sets the target business execution information for the resource portfolio account in the resource business interface through the terminal (specifically, the front end of the terminal).

[0135] Investors can customize the target business execution information required for resource purchase business in the resource business interface displayed on the display screen of the terminal, and the target business execution information includes at least resource purchase strategy and purchase data volume. In some cases, the target business execution information may also include purchase time and other information, and the purchase time is used to indicate the trigger time for the financial management platform to automatically purchase resources, so that the financial management platform can purchase on schedule according to the purchase time set by the investor, providing investors with a better purchase experience.

[0136] s102: The terminal sends the target business execution information set by the investor to the financial management platform (specifically, the server corresponding to the financial management platform).

[0137] After receiving the target business execution information set by the investor, the terminal calls the interface between the financial management platform and sends the target business execution information to the financial management platform.

[0138] s103: The financial management platform generates resource purchase orders to be paid based on the target business execution information.

[0139] After receiving the target business execution information through the interface, the financial management platform generates a resource purchase order to be paid according to the target business execution information, the investor information of the target business execution information, the setting time of the target business execution information, etc. The resource purchase order at least includes: the purchase data volume, the resource purchase strategy, the time of initiating the resource purchase, and the investor information of the investor, etc.

[0140] s104: The investor performs supporting operations for the resource purchase order to be paid through the terminal.

[0141] The terminal can receive a payment notification sent by the financial management platform, which is used to instruct the investor to pay for the resource purchase order to be paid through the terminal. The terminal displays the payment notification to the investor and allows the investor to enter the payment information in the terminal to make the payment; for example, a virtual keyboard is displayed on the display screen of the terminal so that the investor can enter the payment password in the virtual keyboard. In this case, the payment information is the payment password.

[0142] s105: The terminal sends the payment information to the payment platform (specifically, the server corresponding to the payment platform).

[0143] s106: The payment platform processes the payment based on the payment information and generates a payment success message.

[0144] In steps s105-s106, the terminal sends the payment information entered by the investor to the payment platform, so that the payment platform performs payment processing, which specifically deducts the subscription data volume of the resource subscription from the investor's payment account and temporarily caches the subscription data volume, so that after the virtual resource product to be subscribed is sent to the resource portfolio account, the subscription data volume is transferred to the product issuer of the virtual resource product to be subscribed, so as to ensure a safe transaction between the investor and the product issuer. Further, in order to facilitate investors to understand the payment status in a timely manner, the embodiment of the present application also allows the payment platform to generate a payment message according to the result of the payment processing, such as generating a payment success message when the payment processing is successful, and generating a payment failure message when the payment processing fails, and returning the payment message to the terminal for display.

[0145] s107: The payment platform notifies the financial management platform to issue the subscribed virtual resource products.

[0146] When the payment is successfully processed, the payment platform will notify the financial management platform to send the virtual resource products subscribed by the investor to the resource portfolio account so that the investor can obtain the subscribed virtual resource products on time.

[0147] s108: The financial management platform updates the resource subscription order as paid.

[0148] After receiving the notification from the payment platform that the virtual resource product has been issued, the financial management platform sets / updates the status of the pre-generated resource purchase order to be paid to indicate that the investor has successfully paid for the resource purchase order. Furthermore, the financial management platform also records the amount of the resource purchase in the resource portfolio account, that is, the amount of the current resource purchase is added to the current position amount of the resource portfolio account, so that investors can view the changes in the funds in the resource portfolio account in a timely manner.

[0149] s109: The financial management platform implements resource purchase strategy.

[0150] s110: The financial management platform generates a sub-account subscription order for each resource sub-account in the resource portfolio account.

[0151] Steps s109-s110 mainly describe the process of allocating the purchase data volume of resources in the N resource sub-accounts included in the resource combination account after the financial management platform completes the accounting of the resource combination account; this part of the content can refer to the relevant description of the specific implementation process shown in the following step S203.

[0152] 2. Resource business refers to resource redemption business.

[0153] The resource redemption strategies under the resource redemption business may include but are not limited to: the second strategy of balancing income and redemption quota, the second strategy of annual income priority, the second strategy of monthly income priority and the second strategy of daily income priority. The following is a brief introduction to the above-mentioned resource redemption strategies, including:

[0154] (1) The resource redemption strategy is the first strategy to balance the income and redemption amount.

[0155] The strategic idea of ​​the second strategy of balancing income and redemption quota is: give priority to allocating the redemption data volume set by investors from the resource sub-accounts whose resource holding amount is greater than the redemption quota among the N resource sub-accounts included in the resource portfolio account; if the resource holding amount of each resource sub-account in the N resource sub-accounts is greater than the redemption quota, the redemption data volume is allocated in order from low to high according to the yield of the virtual resource products in each resource sub-account in the N resource sub-accounts, so as to retain the virtual resource products with higher yields. It can be seen that the second strategy of balancing income and redemption quota gives priority to redeeming from resource sub-accounts whose resource holding amount is greater than the redemption quota, so as to ensure that the resource holding amount of each resource sub-account is sufficient for the next resource redemption, avoid the asset clearing caused by the redemption of a virtual resource product due to the small amount of holding assets of the virtual resource product, and help investors keep the assets of virtual resource products non-zero.

[0156] The specific contents of the allocation rules indicated by the second strategy of balancing income and redemption quota are as follows:

[0157] 1. Current constraints: ① The redemption quota (or quick redemption quota) is RMB 10,000, and each resource sub-account in the resource portfolio account has used the quick redemption quota; among which, the used quick quota of a resource sub-account refers to the cumulative amount redeemed by the resource sub-account in a single sales channel on a single natural day.

[0158] ② The amount of redemption data set by the investor for this resource redemption business.

[0159] 2. Calculation of the sufficient redemption amount for each resource sub-account in the resource portfolio account:

[0160] ① Calculate the redeemable amount of the resource sub-account; the redeemable amount refers to the maximum redemption amount that the resource sub-account can currently redeem without considering the redemption quota. The calculation formula for the redeemable amount of a resource sub-account is: the redeemable amount of a single resource sub-account = max (resource holding amount, redemption quota - used quick redemption quota).

[0161] ② Calculate the sufficient redemption amount of the resource sub-account; the sufficient redemption amount refers to the upper limit of the redemption amount that can be redeemed in the resource sub-account at present, taking into account the redemption quota. The calculation formula for the sufficient redemption amount of a resource sub-account is: sufficient redemption amount of a single resource sub-account = min(max(0, resource holding amount - redemption quota), redeemable amount of a single resource sub-account).

[0162] The embodiment of the present application supports calculating the sufficient redemption amount of each resource sub-account in the resource combination account according to the specific calculation process shown in the above steps ① and ②.

[0163] 3. Prioritize resource redemption from resource sub-accounts with more sufficient redemption amounts. The more sufficient redemption amounts mean that the sufficient redemption amounts are greater than the redemption quota. In other words, the redemption data volume set by investors in this resource redemption business is preferentially allocated to resource sub-accounts with more sufficient redemption amounts for resource redemption. Among them, the redemption amount allocated to resource sub-accounts with more sufficient redemption amounts can be: the redeemable amount of the resource sub-account - the sufficient redemption amount of the resource sub-account; in this way, it can be ensured that each resource sub-account in the resource portfolio account will not be cleared, leaving redeemable funds for the next resource redemption.

[0164] Alternatively, in order to enable investors to obtain higher financial returns, the embodiment of the present application also supports the priority selection of resource sub-accounts with lower yields from multiple resource sub-accounts with more sufficient redemption amounts for resource redemption. In other words, when there are multiple resource sub-accounts with more sufficient redemption amounts, it supports the priority selection of resource sub-accounts with lower yields from multiple resource sub-accounts for resource redemption; this is equivalent to transferring the amount of data used for resource redemption from the resource sub-account with lower yields, while retaining the amount of data in the resource sub-account with higher yields, so as to help investors maintain high returns.

[0165] Among them, the above-mentioned rate of return can be the rate of return per ten thousand shares, which refers to the income amount of subscribing to ten thousand shares of a virtual resource product; specifically, it can be any one of the annual rate of return, monthly rate of return or daily rate of return per ten thousand shares, or the lowest one among the annual rate of return, monthly rate of return and daily rate of return per ten thousand shares.

[0166] 4. If after allocating the redemption amount to the resource sub-account with a large amount of sufficient redemption, there is still some unallocated redemption data set by the investor for this resource redemption business, it is supported to preferentially allocate the remaining unallocated redemption data to the resource sub-account with a lower yield among the N resource sub-accounts included in the resource portfolio account; in this way, retaining the resource sub-account with a high yield can help investors obtain higher financial management returns.

[0167] To facilitate understanding of the second strategy of balancing income and redemption quota described above, Figure 8a The following example illustrates the specific allocation rules of the second strategy of balancing income and redemption quota. Figure 8a As shown, it is assumed that the resource portfolio account includes resource subaccount 1, resource subaccount 2, resource subaccount 3 and resource subaccount 4, and the resource holding amount of resource subaccount 1 Asset(1) = 8,000 yuan, the resource holding amount of resource subaccount 2 Asset(2) = 12,000 yuan, the resource holding amount of resource subaccount 3 Asset(3) = 7,000 yuan, and the resource holding amount of resource subaccount 4 Asset(4) = 20,000 yuan, and the used quick redemption quota of resource subaccount 1 is 3,000 yuan, the used quick redemption quota of resource subaccount 2 is 3,000 yuan, the used quick redemption quota of resource subaccount 3 is 4,000 yuan, and the used quick redemption quota of resource subaccount 4 is 1,000 yuan. Then, based on the asset status of each resource sub-account, the redeemable amount of each resource sub-account can be calculated as follows: the redeemable amount of resource sub-account 1 is 8,000 yuan, the redeemable amount of resource sub-account 2 is 12,000 yuan, the redeemable amount of resource sub-account 3 is 7,000 yuan, and the redeemable amount of resource sub-account 4 is 20,000 yuan. Similarly, the sufficient redemption amount of each resource sub-account is calculated as follows: the sufficient redemption amount of resource sub-account 1 is 8,000 yuan, the sufficient redemption amount of resource sub-account 2 is 2,000 yuan, the sufficient redemption amount of resource sub-account 3 is 7,000 yuan, and the sufficient redemption amount of resource sub-account 4 is 19,000 yuan.

[0168] Assuming that the redemption data volume set by the investor for this resource redemption business is 15,000 yuan, then from resource subaccount 1, resource subaccount 2, resource subaccount 3 and resource subaccount 4, a resource subaccount with sufficient redemption amount greater than the redemption amount is selected as resource subaccount 4, and the redemption amount is preferentially allocated to resource subaccount 4: 19,000-10,000=9,000 yuan, and the remaining data volume in the redemption data volume is 15,000 yuan-9,000 yuan=6,000 yuan. Further, one or more resource subaccounts with low yields are selected from resource subaccount 1, resource subaccount 2, resource subaccount 3 and resource subaccount 4. If the selected resource quantity is 1 and the yield of resource subaccount 1 is the lowest, the remaining data volume of 6,000 yuan in the redemption data volume is allocated to resource subaccount 1 to complete this resource redemption business.

[0169] (2) The resource redemption strategy is the second strategy with annual income as the priority.

[0170] The strategic idea of ​​the second strategy of annual income priority is to give priority to allocating the redemption data volume to one or more resource sub-accounts with lower annual yields among the N resource sub-accounts. This resource redemption strategy can ensure that all or most of the redemption data volume set by investors is used to redeem virtual resource products with lower yields, thereby significantly improving investors' financial management income.

[0171] For example, suppose the allocation rule of the annual income priority second strategy is: allocate the subscription data volume to the resource sub-account whose annual income rate is less than the income rate threshold (such as 2%). Figure 8b As shown, assuming that the redemption data volume T set by the investor for this resource redemption business is 2,000 yuan, the resource portfolio account includes resource sub-account 1, resource sub-account 2, resource sub-account 3 and resource sub-account 4, and the annual rate of return of resource sub-account 1 is 2.1%, the annual rate of return of resource sub-account 2 is 1.1%, the annual rate of return of resource sub-account 3 is 3% and the annual rate of return of resource sub-account 4 is 1.9%, then it is determined that the annual rate of return of resource sub-account 2 and resource sub-account 4 is less than the rate of return threshold, then the redemption data volume T can be allocated to resource sub-account 2 and resource sub-account 4. Optionally, the redemption data volume can be evenly distributed to resource subaccount 2 and resource subaccount 4. In this case, resource subaccount 2 and resource subaccount 4 are both allocated 1,000 yuan; optionally, the redemption data volume can be allocated to resource subaccount 2 and resource subaccount 4 according to the numerical value of the annual rate of return as a weight. For example, if the annual rate of return of resource subaccount 4 of 1.9% is greater than 1.7 times the annual rate of return of resource subaccount 2 of 1.1%, then the subscription data volume allocated to resource subaccount 2 is calculated to be 2000*85%=1700, and the subscription data volume allocated to resource subaccount 4 is 2000*15%=300, so as to reserve more assets for resource subaccount 4 with a higher rate of return for income.

[0172] It should be noted that Figure 8b The allocation rule indicated by the second strategy of annual income priority is exemplary; for example, it is also supported to allocate the redeemed data volume only to the resource sub-account with the lowest annual yield among the N resource sub-accounts. The embodiment of the present application does not limit the allocation rule indicated by the second strategy of annual income priority.

[0173] (3) The resource redemption strategy is the second strategy with monthly income as the priority.

[0174] The strategic idea of ​​the second strategy of monthly income priority is to give priority to allocating the redemption data volume to one or more resource sub-accounts with lower monthly yields among the N resource sub-accounts. This resource redemption strategy can ensure that all or most of the redemption data volume set by investors is used to redeem virtual resource products with lower yields, thereby significantly improving investors' financial management income.

[0175] (4) The resource redemption strategy is the daily income priority second strategy.

[0176] The strategic idea of ​​the second strategy of daily income priority is to give priority to allocating the redemption data volume to one or more resource sub-accounts with lower daily yields among the N resource sub-accounts. This resource redemption strategy can ensure that all or most of the redemption data volume set by investors is used to redeem virtual resource products with lower yields, thereby significantly improving investors' financial management income.

[0177] It should be noted that the strategic ideas of the annual income priority second strategy, the monthly income priority second strategy and the daily income priority second strategy are similar. The difference lies in calculating the rate of return of the virtual resource products held in units of year, month and day respectively; for the specific content of the above-mentioned monthly income priority second strategy and daily income priority second strategy, please refer to the relevant description of the relevant content of the annual income priority second strategy.

[0178] It can be seen that the creation logic of the resource subscription strategy is similar. The embodiment of the present application supports the creation of resource redemption strategies from multiple dimensions, such as creating an annual income priority second strategy, a monthly income priority second strategy and a daily income priority second strategy from the dimension of increasing investors' financial management income, and creating an income and redemption amount balance second strategy from the dimension of ensuring that the resource sub-account has sufficient redemption amount; this allows investors to set strategies according to their own personalized needs when setting resource business strategies, so as to meet the business needs of investors (such as the estimated holding period of virtual resource products), thereby improving the overall account return of the resource portfolio account.

[0179] The above describes the strategy details of several exemplary resource redemption strategies under the resource redemption business. The following describes the process of setting target business execution information for the resource redemption business in the resource business interface corresponding to the resource portfolio account by the investor.

[0180] For example, a schematic diagram of setting the target business data volume in the target business execution information in the resource business interface can be found in Figure 9a ;like Figure 9a As shown, when implementing the resource redemption business in the resource combination account, the resource business interface corresponding to the resource combination account includes an identification area and a redemption data volume setting area 901 corresponding to the redemption data volume. Among them, the combination account identification of the resource combination account is displayed by default in the identification area; the redemption data volume setting area 901 is used by investors to set the target business data volume required for implementing the resource redemption business for the resource combination account (in this case, the target business data volume is the redemption data volume).

[0181] In order to save the time of investors setting the target business data volume, the embodiment of the present application supports the default display of the first business data volume pre-configured for the resource redemption business in the data volume setting area, and the first business data volume can be called the first redemption data volume at this time. If the investor wants to use the pre-configured first redemption data volume in this resource redemption business, the investor does not need to set the target business data volume in the resource business interface, and only needs to perform a confirmation operation for the first redemption data volume displayed by default; at this time, the terminal determines that there is a confirmation operation for the first redemption data volume, and uses the first redemption data volume as the target business data volume finally used by the resource redemption business. On the contrary, if the investor does not want to use the pre-configured first redemption data volume in this resource redemption business, the investor can perform an input operation in the data volume setting area; at this time, if the terminal detects the input operation in the data volume setting area, the second business data volume (the second business data volume can be called the second subscription data volume) input by the investor is used in the data volume setting area according to the input operation to replace the first redemption data volume, so that the second redemption data volume is used as the target business data volume finally used by the resource redemption business.

[0182] Similarly, the process of setting the target business data volume in the resource business interface is similar. For a schematic diagram of setting the resource business strategy in the target business execution information in the resource business interface, see Figure 9b ;like Figure 9b As shown, in addition to the identification area and the redemption data volume setting area 901, the resource business interface also includes a redemption strategy setting area 902; the redemption strategy setting area 902 is used by investors to set the resource business strategy required to implement resource redemption business for the resource portfolio account (in this case, the resource business strategy is the resource redemption strategy).

[0183] In order to save the time of investors setting resource business policies, the embodiment of the present application supports the default display of the first business policy pre-configured for the resource redemption business in the redemption policy setting area. At this time, the first business policy can be called the first redemption business policy. If the investor wants to use the pre-configured first redemption business policy in this resource redemption business, the investor does not need to set the resource business policy in the resource business interface, and only needs to perform a confirmation operation for the first redemption business policy displayed by default; at this time, the terminal determines that there is a confirmation operation for the first redemption business policy, and uses the first redemption business policy as the resource business policy finally used by the resource redemption business. On the contrary, if the investor does not want to use the pre-configured first redemption business policy in this resource redemption business, the investor can perform a modification operation on the first redemption business policy in the redemption policy setting area; at this time, if the terminal detects the modification operation in the redemption policy setting area, the first redemption business policy is deleted in the redemption policy setting area, and the second redemption business policy is set in the redemption policy setting area, and the second redemption business policy is used as the resource business policy finally used by the resource redemption business.

[0184] For example, a schematic diagram of a modification operation performed by an investor in the redemption strategy setting area for the first redemption business strategy can be seen in Fig.9c . Fig.9c As shown, if the investor performs a trigger operation in the redemption policy setting area 902, the terminal responds to the trigger operation in the redemption policy setting area 902 and outputs a redemption policy display window 903, which can be an independent page or displayed in a floating form on the resource business interface; one or more second redemption business policies are displayed in the redemption policy display window 903. Further, the investor can perform a policy selection operation in the redemption policy display window 903, which refers to the operation of selecting a resource business policy from one or more second redemption business policies. At this time, the terminal can update the first redemption business policy in the redemption policy setting area to the second redemption business policy selected in the redemption policy display window 903 according to the policy selection operation performed by the investor on one or more second redemption business policies; in this way, the selected second redemption business policy is used as the resource business policy finally used in the resource redemption business.

[0185] It should be noted that: ① Considering that investors may not be familiar with all the allocation rules indicated by the second redemption business strategy; therefore, the embodiment of the present application also supports investors to view the second redemption business strategies in the redemption strategy display window 903 to help investors better select the second redemption business strategy that matches their financial needs. ② The embodiment of the present application does not limit the specific operation process of the modification operation performed by the investor in the redemption strategy setting area for the first redemption business strategy.

[0186] The above is an introduction to the configuration process of the target business execution information corresponding to the user's resource redemption business from the interface dimension. Fig.10 , introduces the background implementation process of resource redemption business from the background technology dimension; Fig.10 As shown, the background implementation process of the resource redemption service may include but is not limited to steps s201-s207, wherein:

[0187] s201: The investor sets the target business execution information for the resource portfolio account in the resource business interface through the terminal (specifically, the front end of the terminal).

[0188] Investors can customize the target business execution information required for resource redemption business in the resource business interface displayed on the display screen of the terminal, and the target business execution information includes at least resource redemption strategy and redemption data volume. In some cases, the target business execution information may also include information such as redemption time, and the redemption time is used to indicate the trigger time for the financial management platform to automatically redeem resources, so that the financial management platform can redeem on schedule according to the redemption time set by the investor, providing investors with a better redemption experience.

[0189] s202: The terminal sends the target business execution information set by the investor to the financial management platform (specifically, the server corresponding to the financial management platform).

[0190] After receiving the target business execution information set by the investor, the terminal calls the interface between the financial management platform and sends the target business execution information to the financial management platform.

[0191] s203: The financial management platform determines whether the resource portfolio account matches the set target business data volume based on the target business execution information.

[0192] After the wealth management platform receives the target business execution information set by the investor for this resource redemption business, it needs to determine whether the redeemable amount of the resource portfolio account meets the redemption data volume set by the investor this time. Among them, the redeemable amount of the resource portfolio account refers to the maximum amount that can be redeemed from the resource portfolio account through a single channel in a single day; the redeemable amount of the resource portfolio account is equal to the sum of the redeemable amounts of each resource sub-account, and the redeemable amount of the resource sub-account refers to the maximum amount that the resource sub-account can still redeem in a single day under the restriction of the quick redemption amount. Among them, the formula for calculating the redeemable amount of a resource sub-account is as follows:

[0193] The redeemable amount of resource sub-account Quota(i) = min(resource holding amount, quick redemption amount - quick redemption amount used on the day)

[0194]

[0195] Among them, i takes the value of 1, 2, ..., N, representing the i-th resource sub-account in the resource portfolio account.

[0196] Furthermore, after calculating the redeemable amount of each resource sub-account and the redeemable amount of the resource combination account, the redeemable amount of the resource combination account and the target business data volume in the target business execution information (the target business data volume is the redemption data volume at this time) are compared to obtain the actual redemption data volume. If the redeemable amount of the resource combination account is less than or equal to the redemption data volume, then the actual redemption data volume that can be redeemed from the resource combination account for this resource redemption is the redemption amount of the resource combination account; conversely, if the redemption amount of the resource combination account is greater than the redemption data volume, then the actual redemption data volume that can be redeemed from the resource combination account for this resource redemption is the redemption data volume, that is, the redemption data volume that the investor wants to redeem can be redeemed.

[0197] s204: The financial management platform generates a resource redemption order and records it in the resource portfolio account.

[0198] The financial management platform generates a resource redemption order based on the actual redemption data volume calculated in step s203 and the target business execution information set by the investor. The resource redemption order includes at least: the actual redemption data volume, the resource redemption strategy, the time of initiating resource redemption, and the investor information of the investor, etc. Furthermore, the financial management platform also makes an account in the resource portfolio account, that is, deducts the actual redemption data volume of this resource redemption from the current holding amount of the resource portfolio account, so that the investor can view the fund changes in the resource portfolio account in a timely manner.

[0199] s205: The financial management platform implements the resource redemption strategy.

[0200] s206: The financial management platform generates a sub-account redemption order for each resource sub-account in the resource portfolio account.

[0201] s207: The financial management platform updates the used quick redemption quota of each resource sub-account based on the sub-account redemption orders of each resource sub-account.

[0202] Steps s205-s207 mainly describe the process of allocating the actual redemption data volume for resource redemption in the N resource sub-accounts included in the resource combination account after the financial management platform completes the accounting of the resource combination account; this part of the content can refer to the relevant description of the specific implementation process shown in the following step S203.

[0203] It should be noted that the allocation rules indicated by the resource subscription strategy and resource redemption strategy given above are examples and do not limit the embodiments of the present application. In the embodiments of the present application, the resource subscription strategy and the resource redemption strategy are related to the overall income of the resource portfolio account. For example, in the resource transfer business (i.e., resource subscription business), the resource subscription strategy aims to transfer the subscription amount to a virtual resource product with high income (or a sub-account holding the virtual resource product); in the resource redemption business, the resource redemption strategy aims to redeem the amount that the investor wants to transfer from the sub-account with low income as much as possible; in this way, the overall financial management income of the investor's resource portfolio account is improved.

[0204] S303: When a resource service event exists in the resource combination account, resource service processing is performed in N resource sub-accounts according to the allocation rules indicated by the resource service policy.

[0205] Among them, resource business events refer to events generated when business operations are performed in a resource portfolio account, and the business operations are used to trigger resource business processing in the resource portfolio account. In detail, when the resource business is a resource purchase business, the business operation performed in the resource portfolio account is called a resource purchase operation, and the resource business event generated by the resource purchase operation is called a resource purchase event; similarly, when the resource business is a resource redemption business, the business operation performed in the resource portfolio account is called a resource redemption operation, and the resource business event generated by the resource redemption operation is called a resource redemption event.

[0206] like Fig.11 As shown, for investors, after setting the target business execution information for the resource portfolio account in the resource business interface, they can trigger the submission option 1101 (i.e., the aforementioned Figure 6aThe submit option 604 shown in the figure indicates that the investor determines to perform resource business processing in the resource combination account according to the customized target business execution information; at this time, the terminal determines that there is a business operation in the resource combination account, that is, it determines that there is a resource business event in the resource combination account. Further, when the terminal detects that there is a resource business event in the resource combination account, the terminal performs resource accounting processing in the resource combination account, and the resource accounting processing is used to transfer the target business data volume in the resource combination account. In detail, when the resource business is a resource subscription business, the terminal performs resource accounting processing in accordance with the resource subscription business. Figure 7 The specific implementation process shown in steps s101-s108 interacts with the financial management platform and the payment platform to implement resource accounting processing in the resource combination account. At this time, the resource accounting processing includes increasing the purchase data amount required to be transferred to the resource combination account for this resource purchase; similarly, when the resource business is a resource redemption business, the terminal Fig.10 The specific implementation process shown in steps s201-s204 interacts with the financial management platform to implement resource accounting processing in the resource combination account. At this time, the resource accounting processing includes deducting the actual redemption data volume that needs to be transferred out for this resource redemption in the resource combination account.

[0207] Furthermore, considering that the financial management platform has completed the resource accounting processing in the resource combination account, and the process of performing resource business processing in the N resource sub-accounts included in the resource combination account according to the resource business strategy does not affect investors, the viewing of the complete transaction information (such as relevant information on resource subscription and resource redemption) of the resource combination account. Therefore, the embodiment of the present application designs the relevant logic of asynchronously executing the resource business processing of a single resource sub-account by the financial management platform based on system performance. In this way, while not affecting the information viewing experience of investors, it can also save system performance and improve the efficiency of performing resource business processing in N resource sub-accounts.

[0208] Among them, the process of asynchronously executing resource business processing of resource sub-accounts may include: without blocking the main thread currently executing the main task, calculating the amount of sub-business resources that can be allocated to each resource sub-account in the N resource sub-accounts when performing resource business processing according to the allocation rules indicated by the resource business policy; and, according to the amount of sub-business resources that can be allocated to each resource sub-account when performing resource business processing, asynchronously executing resource business processing for N resource sub-accounts. In this way, it can be ensured that the main thread is not blocked, the thread response speed and efficiency are improved, and the system performance is improved. In an embodiment of the present application, it supports the asynchronous execution of resource business processing of N resource sub-accounts by means of scheduled tasks or message queues. The following introduces the process of asynchronously executing resource business processing of resource sub-accounts when the resource businesses are resource subscription business and resource redemption business respectively; among them:

[0209] (1) The resource business is a resource subscription business. In this case, according to the allocation rules indicated by the resource subscription strategy set by the investor for this resource subscription business, the amount of sub-business data that can be allocated to each resource sub-account when the subscription data volume is allocated to N resource sub-accounts is calculated. Then, based on the amount of sub-business data that can be allocated to each resource sub-account, a sub-subscription order is generated for each resource sub-account; the sub-subscription order includes the amount of sub-business data allocated to the corresponding resource sub-account, the product identification and product share of the virtual resource product held by the corresponding resource sub-account, and other information. Then, based on the sub-subscription order of each resource sub-account, resource business processing is performed on the corresponding resource sub-account, specifically, accounting is performed. Accounting in a single resource sub-account means increasing the amount of sub-business data allocated to the resource sub-account; the resource business processing of N resource sub-accounts can be executed asynchronously, which can solve the system performance problem of the transferred business and improve the efficiency of resource business processing.

[0210] (2) The resource business is a resource redemption business. In this case, according to the allocation rules indicated by the resource redemption strategy set by the investor for this resource redemption business, the amount of sub-business data that can be allocated to each resource sub-account when the actual redemption data volume is allocated to N resource sub-accounts is calculated. Then, based on the amount of sub-business data that can be allocated to each resource sub-account, a sub-subscription order is generated for each resource sub-account; the sub-subscription order includes the amount of sub-business data allocated to the corresponding resource sub-account, the product identification and product share of the virtual resource product held by the corresponding resource sub-account, and other information. Then, based on the sub-subscription order of each resource sub-account, resource business processing is performed on the corresponding resource sub-account, specifically, accounting is performed. Accounting in a single resource sub-account means deducting the allocated sub-business data volume from the resource sub-account; the resource business processing of N resource sub-accounts can be executed asynchronously, which solves the system performance problem of the transfer-out business and improves the efficiency of resource business processing.

[0211] In addition, the embodiment of the present application supports investors to view and share the processing results of resource business processing for resource combination accounts, so as to facilitate investors to timely understand the asset transfer situation for resource combination accounts, and to a certain extent help investors to guide the setting of target business execution information for the next resource business according to the processing results of this resource business. For example, the resource subscription strategy set for this resource business allocates a small amount of subscription data to resource sub-accounts with high annual yields, so when setting a resource subscription strategy for the resource subscription business next time, other resource subscription strategies can be selected to improve the overall financial management income of investors.

[0212] For example, a schematic diagram of an investor viewing the processing results of a resource business process can be found in Fig.12 .like Fig.12As shown, after the investor submits the target business execution information set for the resource business in the resource business interface, the result processing interface 1201 is output on the display screen of the terminal. If the investor wants to view the processing result of this resource business processing, the viewing operation can be performed in the result processing interface 1201. At this time, the terminal responds to the investor's viewing operation on the processing result of this resource business processing, and displays the amount of sub-business data allocated to each of the N resource sub-accounts in the resource portfolio account. Among them, the embodiment of the present application does not limit the specific operation method of the investor's viewing operation on the processing result of this resource business processing. For example, the viewing operation can include the investor's triggering operation on the viewing option 1202 in the result processing interface 1201, or the specified gesture operation performed in the result processing interface 1201, etc., which is specially explained here.

[0213] It should be noted that investors are not limited to viewing the results of the resource business processing. Fig.12 For example, investors can also view the processing results of a resource business process from the historical resource business process list in the resource application; Fig.12 The specific implementation process shown does not limit the way investors view the processing results of resource business processing.

[0214] In summary, the embodiment of the present application provides investors with a wealth of customized permissions, specifically supporting investors to customize target business execution information when there are resource business events (such as resource subscription events or resource redemption events) in a resource portfolio account. Compared with the general business execution information provided by the financial management platform, it can meet the user's personalized management needs for N resource sub-accounts and improve the management flexibility for each resource sub-account in the resource portfolio account. In this way, when there are resource business events in a resource portfolio account, the financial management platform can perform resource business processing in N resource sub-accounts according to the allocation rules indicated by the resource business policy set by the user, that is, to allocate resources in the N resource sub-accounts for the target business data volume specified by the user. The processing result of the resource business processing can meet the user's personalized needs to allocate the target business data volume to N resource sub-accounts, significantly improving the user's financial management experience and enhancing the user's stickiness to the financial management platform.

[0215] See also Fig.13 , Fig.13 A schematic diagram showing a flow chart of another resource processing method provided by an exemplary embodiment of the present application is shown. Fig.13 The resource processing method shown mainly introduces the specific implementation process of users creating and configuring resource combination accounts from the configuration dimension of resource combination accounts. Fig.13The resource processing method shown can be executed by a computer device (such as a terminal that deploys the resource processing method provided by the present application), and the resource processing method includes but is not limited to steps S1301-S1306:

[0216] S1301: Displaying a resource combination configuration interface.

[0217] The resource combination configuration interface is a service interface provided by the financial management platform for creating a resource combination account and / or configuring the first business execution information for the resource combination account. In other words, investors can create a resource combination account in the resource combination account, or create a resource combination account and configure the first business execution information for the resource combination account, or configure the first business execution information for a resource combination account created historically. In the embodiment of the present application, an example is taken of an investor creating a resource combination account in the resource combination configuration interface and configuring the first business execution information for the resource combination account; wherein, the specific implementation process of creating a resource combination account in the resource combination configuration interface can be referred to step S1302, and the specific implementation process of configuring the first business execution information for the resource combination account can be referred to step S1303.

[0218] S1302: Create a resource combination account according to the account creation operation performed in the resource combination configuration interface.

[0219] As described above, a resource combination account is a combination account that includes N resource sub-accounts; the embodiment of the present application supports investors to create resource combination accounts by entering resource sub-accounts in the resource combination configuration interface, and supports the same investor to hold multiple resource combination accounts at the same time. For example, it supports investors to enter the resource identifiers of N virtual resource products to be subscribed in the resource combination configuration interface to create a resource combination account; in this way, the resource combination account includes N resource sub-accounts, one resource sub-account corresponds to a virtual resource product that the investor wants to subscribe, and is used for product management of the virtual resource product. The specific implementation process of investors entering the resource identifiers of N virtual resources in the resource combination configuration interface to create a resource combination account is exemplified below in conjunction with the accompanying drawings, wherein:

[0220] In one implementation, M resource identifiers (M is an integer greater than 1) are directly displayed in the resource portfolio configuration interface, and investors create a resource portfolio account by selecting resource identifiers from the resource portfolio configuration interface; this method of completely customizing each virtual resource product in a resource portfolio account by the investor meets the requirements of investors for personalized creation of resource portfolio accounts.

[0221] In a specific implementation, the resource combination configuration interface provided by the embodiment of the present application can display the resource identifiers of the M virtual resource products currently being sold by the financial management platform, and one resource identifier is used to indicate a virtual resource product. In this way, investors can perform an identifier selection operation for M resource identifiers according to their investment needs (such as stable returns, or large returns). At this time, the terminal responds to the selection operation performed by the investor for the M resource identifiers, and highlights the selected N target resource identifiers in the resource combination configuration interface, and the target resource identifier is one of the M resource identifiers; by highlighting the selected target resource identifier in the resource combination configuration interface, it is convenient for investors to clearly and confirm the selected target resource identifier from a large number of resource identifiers, and avoid misoperation. Among them, the method of highlighting any selected target resource identifier may include but is not limited to: deepening the background color of the area where the target resource identifier is located (such as the row where the target resource identifier is located), or checking the option corresponding to the target resource identifier, etc.; the embodiment of the present application does not limit the display method of highlighting the target resource identifier in the resource combination configuration interface. Furthermore, the terminal creates a resource combination account according to the N target resource identifiers selected by the investor, and the created resource combination account includes N resource sub-accounts, each resource sub-account corresponding to the virtual resource product indicated by the target resource identifier. When the terminal creates a resource combination account, the account name of the resource combination account supports customization by the investor, such as supporting the investor to enter the account name in the resource combination configuration interface, so that when the terminal creates the resource combination account according to the N target resource identifiers, the resource combination account is named as the account name customized by the investor; this method of customizing the account name of the resource combination account by the investor can name the resource combination account according to the investor's own preferences, which greatly facilitates the investor's memory and management of the resource combination account.

[0222] For example, a schematic diagram of selecting a target resource identifier in the resource combination configuration interface to create a resource combination account can be found in Fig.14a; The resource combination configuration interface includes M resource identifiers, such as resource identifier 1, resource identifier 2, resource identifier 3 and resource identifier 4, etc. Each resource identifier corresponds to an option, such as option 1401 corresponding to resource identifier 1, option 1402 corresponding to resource identifier 2, option 1403 corresponding to resource identifier 3 and option 1404 corresponding to resource identifier 4. If the investor performs an identifier selection operation on option 1402 and option 1404 in the resource combination configuration interface (specifically, performs a click operation on option 1402 and option 1404), it means that the resource combination account that the investor wants to create includes virtual resource products corresponding to resource identifier 2 and resource identifier 4 respectively. At this time, the terminal determines resource identifier 2 and resource identifier 4 as the selected target resource identifiers, and highlights option 1402 and option 1404 in the resource combination configuration interface (such as ticking the circle). At the same time, the resource combination configuration interface also includes a name configuration area 1405. If the investor wants to customize the account name of the resource combination account, the account name can be entered in the name configuration area 1405. Furthermore, if the terminal detects that the creation option 1406 in the resource combination configuration interface is triggered, it indicates that the investor wants to create a resource combination account first without configuring the first business execution information for the resource combination account. At this time, the terminal creates a resource combination identifier based on resource identifier 2 and resource identifier 4, and the account name entered in the name configuration area 1405 to create a resource combination account; specifically, a resource sub-account is created for resource identifier 2 and resource identifier 4 respectively, a resource combination account is created for the resource sub-account, and the resource combination account is named the account name entered by the investor; of course, if the investor does not set the account name in the name configuration area 1405, the terminal can set a default account name for the resource combination account.

[0223] It should be understood that Fig.14a The interface content and interface style of the resource combination configuration interface shown are examples. For example, considering that the number of virtual resource products provided by the financial management platform is often large, and the display area of ​​the resource combination configuration interface is limited, it is not possible to perform resource identification of all virtual resource products at once; for this reason, the embodiment of the present application supports refreshing the display of resource identification in the resource combination configuration interface so that investors can see the resource identification of more virtual resource products. The embodiment of the present application does not limit the method of refreshing the display of resource identification in the resource combination configuration interface; if Fig.14b As shown, the investor can perform a sliding operation in the resource portfolio configuration interface, such as sliding left or right, to replace the displayed resource identifier with a hidden resource identifier in the resource portfolio configuration interface; or Fig.14cAs shown, the investor can perform a trigger operation on the refresh component 1407 in the resource combination configuration interface. The terminal can update the resource identifier in the resource combination configuration interface once according to the trigger operation on the refresh component 1407; or, the resource identifier can be refreshed periodically in the resource combination configuration interface, such as refreshing the resource identifier every 10 seconds; and so on.

[0224] In other implementations, one or more candidate resource combinations are displayed in the resource combination configuration interface, and any candidate resource combination includes at least two candidate resource identifiers, and one candidate resource identifier is used to indicate a candidate virtual resource product; investors can select virtual resource products in batches by selecting candidate resource combinations from the resource combination configuration interface, thereby improving the efficiency of creating resource combination accounts.

[0225] In a specific implementation, the embodiment of the present application supports displaying one or more candidate resource combinations in the resource combination configuration interface, specifically, displaying the combination identifier of each candidate resource combination in the one or more candidate resource combinations, and the combination identifier can be an ID or nickname used to uniquely identify the candidate resource combination, and the nickname here can include the candidate resource identifier of all or part of the candidate virtual resource products in the candidate resource combination, etc. If the investor wants to select multiple virtual resource products at one time, the combination selection operation can be performed on the candidate resource combination in the resource combination configuration interface. At this time, the terminal highlights the selected target resource combination in the resource combination configuration interface according to the combination selection operation performed by the investor in one or more candidate resource combinations; the target resource combination is one of the one or more candidate resource combinations. Among them, the combination selection operation performed by the investor on the target resource combination in the resource combination configuration interface can be a click operation, a long press operation, or a double-click operation at any display position in the area occupied by the target resource combination, and this is not limited. In this way, when the investor performs a confirmation operation on the selected target resource combination, it indicates that the investor wants to create a resource combination account corresponding to the target resource combination. The terminal responds to the investor's confirmation operation on the target resource combination and creates a resource combination account based on at least two candidate resource identifiers included in the target resource combination; specifically, a resource sub-account is created for the virtual resource product referred to by each candidate resource identifier in the at least two candidate resource identifiers, and a resource combination account is created for the at least two resource sub-accounts.

[0226] For example, a schematic diagram showing one or more candidate resource combinations in a resource combination account can be seen in Fig.15a ;like Fig.15aAs shown, the resource combination configuration interface displays candidate resource combination 1501, candidate resource combination 1502, candidate resource combination 1503 and candidate resource combination 1504; the resource combination configuration interface also displays some candidate resource identifiers included in each candidate resource combination, which is conducive to investors directly viewing the candidate resource identifiers included in the candidate resource combination from the resource combination configuration interface, and convenient for investors to select candidate resource combinations. Investors can perform combination selection operations (such as clicking operations) on candidate resource combinations 1501, candidate resource combinations 1502, candidate resource combinations 1503 and candidate resource combinations 1504 in the resource combination configuration interface. At this time, the terminal performs combination selection operations according to the combination selection operations performed by investors in candidate resource combinations 1501, candidate resource combinations 1502, candidate resource combinations 1503 and candidate resource combinations 1504. If the combination selection operation selects candidate resource combination 1502, then the candidate resource combination 1502 is the target resource combination. At this time, the candidate resource combination 1502 is highlighted in the resource combination configuration interface (such as deepening the background color of the area where the candidate resource combination 1502 is located). Furthermore, Fig.14a Similar to the related description, the resource combination configuration interface also includes a name configuration area 1405 for the investor to enter an account name for the resource combination account to be created; if the terminal detects that the create option 1406 in the resource combination configuration interface is triggered, it indicates that the investor wants to create a resource combination account first and does not configure the first business execution information for the resource combination account. At this time, the terminal creates a resource combination account according to the selected target resource combination and the account name entered in the name configuration area 1405.

[0227] Furthermore, the embodiment of the present application supports investors to view and edit the candidate resource identifiers included in the candidate resource combination in the resource combination configuration interface. In a specific implementation, an edit option is displayed in the resource combination configuration interface; when the target resource combination in the resource combination configuration interface is selected, if the investor performs a selection operation on the edit option, it means that the investor wants to view and / or edit the target resource combination. At this time, the terminal responds to the investor's trigger operation on the edit option and displays the resource details interface; the resource details interface is displayed in the form of an independent interface or a floating window. The so-called independent interface means that the resource details interface and the resource combination configuration interface are independent interfaces, and the so-called floating window means that the resource details interface is displayed on the resource combination configuration interface in the form of a floating window, and the interface size of the resource details interface is smaller than the interface size of the resource combination configuration interface. At least two candidate resource identifiers included in the target resource combination are displayed in the displayed resource details interface; the embodiment of the present application allows investors to view all candidate resource identifiers included in the target resource combination on the resource details interface, and also allows investors to edit the candidate resource identifiers in the resource details interface. The terminal responds to the editing operation performed by the investor on the at least two candidate resource identifiers included in the target resource combination in the resource details interface, and displays the updated at least two candidate resource identifiers in the resource details interface; the updated at least two candidate resource identifiers are partially different from the at least two candidate resource identifiers before the update, or are completely different. Among them, the editing operations performed by the investor on the at least two candidate resource identifiers in the resource details interface may include but are not limited to: deleting the candidate resource identifier from the target resource combination, adding the candidate resource identifier to the target resource combination, and modifying the candidate resource identifier in the target resource combination, etc. If the investor wants to create a resource combination account based on the updated at least two candidate resource identifiers, the investor can perform a confirmation operation on the updated at least two candidate resource identifiers in the resource details interface or return to the resource combination configuration interface from the resource details interface. At this time, the terminal responds to the investor's confirmation operation on the updated at least two candidate resource identifiers and creates a resource combination account based on the updated at least two candidate resource identifiers.

[0228] A schematic diagram of a resource details interface can be found in Fig.15b ;like Fig.15bAs shown, when any candidate resource combination in the resource combination configuration interface, such as candidate resource combination 1501, is subjected to a combination selection operation, it indicates that the investor has the intention to create a resource combination account based on the candidate resource combination 1501. If the investor wants to edit the candidate resource identifiers included in the candidate resource combination 1501 (such as adding a new candidate resource identifier) ​​when the candidate resource combination 1501 is selected, the investor can trigger the edit option 1505 in the resource combination configuration interface, and then the resource details interface 1506 is displayed; wherein, the resource details interface 1506 displays all the candidate resource identifiers included in the candidate resource combination 1501, such as candidate resource identifier 1, candidate resource identifier 2, and candidate resource identifier 3. In this way, the investor can perform an editing operation on the candidate resource identifier in the resource details interface 1506 to obtain at least two updated candidate resource identifiers; for example, the resource details interface 1506 includes a new option 15061, and the investor can trigger the new option 15061 to input a new candidate resource identifier for the candidate resource combination 1501 in the resource details interface 1506; for another example, the investor can perform a deletion operation (such as clicking the deletion option corresponding to the candidate resource identifier 1) on any candidate resource identifier (such as candidate resource identifier 1) in the resource details interface 1506, and the candidate resource identifier 1 is deleted in the candidate resource combination 1501. The resource details interface 1506 also includes a creation component 1507, so that after the investor edits the candidate resource combination 1501 in the resource details interface 1506, the investor can directly perform a selection operation on the creation component 1507 in the resource details interface 1506, and the terminal can create a resource combination account according to the at least two candidate resource identifiers edited in the resource details interface 1506 in response to the selection operation.

[0229] It should be noted that, in addition to supporting investors to view all candidate resource identifiers included in a candidate resource combination from the resource details interface, the embodiments of the present application can also directly view candidate resource identifiers in the resource combination configuration interface; this method of directly viewing candidate resource identifiers in a candidate resource combination in the resource combination configuration interface does not require jumping to the resource details interface of the candidate resource combination, which saves viewing operations to a certain extent and improves the viewing experience of investors. Exemplarily, the method of directly viewing candidate resource identifiers in a candidate resource combination in the resource combination configuration interface may include: investors directly perform a detail viewing operation for any candidate resource combination (such as candidate resource combination 1501) in the resource combination configuration interface, and all candidate resource identifiers included in the any candidate resource combination are displayed. This method of providing investors with a way to view candidate resource identifiers is helpful to help investors select candidate resource combinations. Taking any candidate resource combination as candidate resource combination 1501 as an example, investors' detail viewing operations for the candidate resource combination 1501 may include but are not limited to: performing a sliding operation along a specified direction in the area where the candidate resource combination 1501 is located (such as Fig.15c As shown, an upward sliding operation), at this time, the hidden candidate resource identifier is displayed in the area where the candidate resource combination 1501 is located; or Fig.15c As shown, in response to the triggering operation of the candidate resource combination 1501, the regional display area of ​​the area where the candidate resource combination 1501 is located is expanded, and the regional display areas of the areas where other candidate resource combinations are located in the resource combination configuration interface are correspondingly reduced, and all candidate resource identifiers included in the candidate resource combination 1501 are displayed in the expanded area where the candidate resource combination 1501 is located; and so on.

[0230] The above content mainly introduces the interface process of investors creating resource combination accounts in the resource combination configuration interface from the interface dimension; it can be seen from the interface process that the embodiment of the present application provides a new account system, which can create respective resource sub-accounts for N virtual resource products when investors have the need to perform batch maintenance on N virtual resource products, and create a resource combination account for N resource sub-accounts to realize batch management between N resource sub-accounts. In this way, investors only need to set the target business execution information for the resource combination account, which is equivalent to setting the target business execution information for N resource sub-accounts in batches, shortening the path of the target business execution information for N resource sub-accounts, and improving the speed of setting the target business execution information for N resource sub-accounts, which greatly improves the processing speed and efficiency for multiple virtual resource products.

[0231] For example, the schematic diagram of the account system provided in the embodiment of the present application can be found in Fig.16 ;like Fig.16 As shown, when an investor chooses to process resource business for N virtual resource products through the financial management platform, the computer device (such as a terminal, specifically the financial management platform in the terminal) will automatically create a resource portfolio account and create a portfolio account identifier (i.e. the account name mentioned above) for the resource portfolio account, and the portfolio account identifier is used to uniquely identify the resource portfolio account; at the same time, the computer device creates a resource sub-account for each of the selected N virtual resource products, and the resource sub-account also has a sub-account identifier for uniquely identifying the resource sub-account. In this case, the total assets included in the resource portfolio account are the sum of the holding amounts of each sub-resource sub-account in the N resource sub-accounts.

[0232] S1303: In response to the information configuration operation performed in the resource combination configuration interface, receiving first business execution information configured for the resource combination account.

[0233] As mentioned above, the first business execution information refers to the business execution information configured for the resource combination account by the investor in the process of creating a resource combination account, mainly including the first business strategy and the first business data volume. Among them, the resource business in the financial management scenario involved in the embodiment of the present application includes multiple types, such as resource subscription business and resource redemption business, and the resource business and the first business execution information are compatible; in order to facilitate investors to distinguish and set the first business execution information for each resource business in the resource combination configuration interface, the embodiment of the present application supports displaying the configuration area corresponding to each resource business in the resource business interface, so that investors can configure the first business execution information in the configuration area for each resource business as needed in the resource combination configuration interface.

[0234] In a specific implementation, the resource combination configuration interface includes a configuration area corresponding to each resource business, and the configuration area includes a data volume configuration area and a policy configuration area corresponding to the corresponding resource business. In this way, investors can perform data volume configuration operations in the data volume configuration area corresponding to each resource business, so that the terminal can display the first business data volume configured for the corresponding resource business in the data volume configuration area according to the data volume configuration operation; similarly, investors can perform policy configuration operations in the policy configuration area corresponding to each resource business, so that the terminal can display the first business policy configured for the corresponding resource business in the policy configuration area according to the policy configuration operation performed in the policy configuration area. In this way, for each resource business, investors can configure the first business data volume for the corresponding resource business in the data volume configuration area corresponding to the resource business, and configure the first business policy for the corresponding resource business in the corresponding policy configuration area; this helps investors to clearly perceive the adaptive resource business of the customized first business execution information, and avoid misoperation, etc. For example, the subscription amount is set in the data volume configuration area corresponding to the resource subscription business, and the resource subscription policy is set in the policy configuration area corresponding to the resource subscription business; for another example, the redemption amount is set in the data volume configuration area corresponding to the resource redemption business, and the redemption amount is set in the policy configuration area corresponding to the resource redemption business.

[0235] For example, the schematic diagram of the interface for investors to configure the first business execution information for the resource business in the resource portfolio configuration interface can be seen in Fig.17a .like Fig.17aAs shown, a business configuration option 1701 is displayed in the resource combination configuration interface; when the investor performs a trigger operation on the business configuration option 1701 after configuring the resource combination account, it means that the investor has a need to configure the first business execution information for the resource combination account while configuring the resource combination account, then the terminal responds to the investor's trigger operation on the business configuration option 1701 and displays a business configuration interface 1702. Among them, the business configuration interface 1702 includes a configuration area 1703 corresponding to the resource redemption business and a configuration area 1704 corresponding to the resource subscription business; the configuration area 1703 includes a data volume configuration area 17031 corresponding to the resource redemption business and a strategy configuration area 17032 corresponding to the resource redemption business, and the configuration area 1704 includes a data volume configuration area 17041 corresponding to the resource subscription business and a strategy configuration area 17042 corresponding to the resource subscription business. Thus, when an investor wants to configure the first business execution information corresponding to the resource redemption business for a resource portfolio account, the investor can enter the first business data volume in the data volume configuration area 17031 and set the first business policy in the policy configuration area 17032. Similarly, when an investor wants to configure the first business execution information corresponding to the resource subscription business for a resource portfolio account, the investor can enter the first business data volume in the data volume configuration area 17041 and enter the first business policy in the policy configuration area 17042.

[0236] Among them, the setting method of the investor in setting the first business data volume in the data volume configuration area 17031 and the data volume configuration area 17041 is the same, that is, the first business data volume can be input in the data volume configuration area 17031 and the data volume configuration area 17041 through a virtual keyboard or an external device of the terminal. Similarly, the setting method of the investor in setting the first business strategy in the strategy configuration area 17032 and the strategy configuration area 17042 is the same. For example, both the strategy configuration area 17032 and the strategy configuration area 17042 include a drop-down component 1705; when the drop-down component 1705 corresponding to the strategy configuration area 17032 is triggered, a strategy preview window 1706 is displayed in the form of a floating window on the business configuration interface, and the strategy preview window 1706 is used to display one or more candidate redemption strategies belonging to the resource redemption business for the investor to select, so that the investor can select the first business strategy from the strategy preview window 1706 as the business strategy configured for the resource portfolio account.

[0237] Furthermore, the business configuration interface 1702 also includes a create button 1707; after the investor configures the first business execution information for the resource combination account in the business configuration interface, the investor can directly trigger the create button 1707 in the business configuration interface 1702 to trigger the terminal to execute the background logic of creating the resource combination account and configuring the first business execution information.

[0238] It should be noted that Fig.17a This is only an exemplary method for configuring the first business execution information in the resource combination configuration interface provided in the embodiment of the present application, and does not limit the embodiment of the present application. For example: considering that the amount of first business data that investors may want to purchase each time they purchase resources is different, the embodiment of the present application allows investors to only configure the first business strategy when configuring the first business execution information, without configuring the first business data volume; in this case, the data volume configuration area corresponding to the resource purchase business may not be displayed in the business configuration interface, such as Fig.17b As shown, only the policy configuration area corresponding to the resource subscription service, and the data volume configuration area and policy configuration area corresponding to the resource redemption service are displayed in the service configuration interface. For another example: the embodiment of the present application does not limit the display position and display style of each area in the service configuration interface (such as the policy configuration area corresponding to the resource subscription service, and the data volume configuration area and policy configuration area corresponding to the resource redemption service, etc.); a schematic diagram of an exemplary service configuration interface can also be found in Fig.17c For example: the embodiment of the present application also supports directly configuring the first service execution information in the resource combination configuration interface; Fig.17d As shown, the strategy configuration area corresponding to the resource subscription business, as well as the data volume configuration area and strategy configuration area corresponding to the resource redemption business, can be directly displayed in the resource portfolio configuration interface; in this way, investors can directly create a resource portfolio account and configure the first business execution information in the resource portfolio configuration interface.

[0239] In summary, based on the relevant contents of the above steps S1302 and S1303, investors can create a resource combination account in the resource combination configuration interface, and configure the first business execution information for the resource combination account. For the computer device background, after receiving the information input by the investor for creating a resource combination account and configuring the first business execution information, it will create a combination account identifier for the resource combination account (such as using the account name entered by the investor to create it, or the computer device creates it by default); and, create a sub-account identifier for each of the N resource sub-accounts included in the resource combination account; it will also associate the combination account identifier, the sub-account identifier of each resource sub-account, and the first business execution information configured for each resource business, so as to realize the creation and configuration of the resource combination account.

[0240] Specifically, the computer device executes the background implementation logic of creating and configuring the resource combination account according to the information input by the investor for creating the resource combination account and configuring the first business execution information. Fig.18 .like Fig.18As shown, the background process of the computer device creating and configuring a resource combination account may include but is not limited to steps s301-s306, wherein:

[0241] s301: The terminal receives the creation information input by the investor for creating a resource portfolio account, including but not limited to the selected virtual resource product and the set account name.

[0242] s302: The terminal receives the first business execution information configured by the investor for the resource portfolio account, such as the first business data volume and the first business strategy configured for the resource purchase business, and the first business data volume and the first business strategy configured for the resource redemption business.

[0243] s303: the terminal sends the creation information and the first business execution information to the server corresponding to the financial management platform; specifically, the terminal calls the financial management platform through an interface to create and configure a resource combination account according to the creation information and the first business execution information.

[0244] s304: The corresponding server of the financial management platform creates a combination account identifier of the resource combination account according to the creation information. The combination account identifier of the resource combination account can be used to register all the holding assets in N resource sub-accounts.

[0245] s305: The corresponding server of the financial management platform creates a sub-account identifier of the corresponding resource sub-account for each selected virtual resource product. The sub-account identifier of any resource sub-account can be used to register the assets held in the corresponding resource sub-account. It is worth noting that if the same virtual resource product is included in multiple resource combination accounts created by investors, resource sub-accounts need to be created for the virtual resource products under different resource combination accounts respectively, so as to achieve asset isolation of the virtual resource product in different resource combination accounts and avoid asset confusion.

[0246] s306: The financial management platform corresponds to the server associating the combined account identifier, the sub-account identifier of each resource sub-account, and the first business execution information configured for each resource business, so as to successfully create and configure the resource combination account.

[0247] S1304: Display the resource business interface corresponding to the resource combination account.

[0248] S1305: In response to the information setting operation performed in the resource business interface, receiving target business execution information set for the resource portfolio account.

[0249] S1306: When a resource business event exists in the resource combination account, resource business processing is performed in N resource sub-accounts according to the allocation rules indicated by the resource business policy.

[0250] It should be noted that the specific implementation process shown in steps S1304-S1306 is Figure 3 The specific implementation process shown in steps S301-S303 in the illustrated embodiment is the same, and reference may be made to the relevant description of the specific implementation process shown in the aforementioned steps S301-S303, which will not be repeated here.

[0251] In addition, the embodiment of the present application supports investors to view the bills (or bill lists) of resource combination accounts; the bill list is used to display the flow of resource combination accounts, specifically displaying the historical transaction information of resource combination accounts. Among them, historical transaction information includes but is not limited to: subscription transaction information, redemption transaction information and income transaction information. Subscription transaction information includes subscription amount and subscription time; redemption transaction information includes redemption amount and redemption event; income transaction information includes account income and income issuance time obtained by the resource combination account during the income cycle. The account income is the sum of the sub-account income obtained by each resource sub-account in the N resource sub-accounts included in the resource combination account during the corresponding income cycle. The income cycle here can be understood as the length of time from the investment in virtual resource products to the dividends / income brought by the investment in the virtual resource product. By allowing investors to view the bill list of resource combination accounts, the embodiment of the present application can realize the viewing and management of the overall income transaction information of N resource combination accounts, which is convenient for investors to consolidate and manage N virtual resource products.

[0252] A schematic diagram of the account list of a resource combination account can be found in Fig.19 ;like Fig.19 As shown, a billing interface 1901 of a resource combination account is displayed. The billing interface 1901 is used to display a billing list of a resource combination account. The billing list displays the flow of the resource combination account, specifically displaying the historical transaction information of the resource combination account (such as the transaction information of the resource combination account within 3 months and 6 months). The billing list includes purchase transaction information 1902, redemption transaction information 1903, income transaction information 1904, and income transaction information 1905.

[0253] Furthermore, Fig.19 The bill list shown only displays the flow of the resource portfolio account; the embodiment of the present application also supports investors to view the details of a single bill in the bill list, such as supporting the viewing of the sub-account income allocated to each resource sub-account in the single income transaction information in the bill list. By allowing investors to view the single income transaction information, it helps investors choose a resource business strategy with higher income, thereby improving investors' financial management income.

[0254] In a specific implementation, a bill list of a resource combination account is displayed on a display screen of a terminal, and the bill list includes historical transaction information of the resource combination account, and the historical transaction information includes at least the revenue transaction information corresponding to each revenue cycle of the resource combination account in one or more revenue cycles. When any revenue transaction information in the bill list is triggered, indicating that the investor wants to view the bill details of any revenue transaction information, the revenue details interface corresponding to the any revenue transaction information is displayed, and the sub-account revenue obtained by each resource sub-account in the N resource sub-accounts in the corresponding revenue cycle is displayed in the revenue details interface; that is, when the investor wants to view the details of a single revenue transaction information, the sub-account revenue obtained by each resource sub-account in the resource combination account under the single revenue transaction information is displayed.

[0255] A schematic diagram of viewing the single income transaction information in the bill list of a resource portfolio account can be seen in Fig. 20 ;like Fig. 20 As shown, it is assumed that the resource portfolio account includes 3 resource sub-accounts, and each resource sub-account corresponds to a virtual resource product. Income transaction information 2001 is displayed in the bill interface of the resource portfolio account; when any display position in the area where the income transaction information 2001 is located is triggered, the income details interface 2002 of the income transaction information 2001 is displayed, and the income details interface 2002 displays the sub-account income of each resource sub-account of the 3 resources in the account; among them, the sum of the sub-account income of the 3 resource sub-accounts is equal to the account income recorded in the income transaction information 2001.

[0256] The above mainly introduces the specific implementation process of investors viewing the bill list and single profit transaction information of the resource portfolio account from the interface dimension; Fig.21 The background implementation process of recording account income of a resource combination account is introduced. Specifically, the background process of recording the resource combination account by a computer device may include but is not limited to steps s401-s408, wherein:

[0257] (1) The income of a single virtual resource product is recorded in the sub-account.

[0258] s401: The product issuer (or product issuing end) of each virtual resource product among the N virtual resource products subscribed in the resource portfolio account issues a revenue file when the revenue cycle of the corresponding virtual resource product expires. Specifically, after detecting that the virtual resource product purchased by the investor has reached the revenue cycle, the product issuing end of the virtual resource product calculates the sub-account revenue that needs to be distributed to the investor based on the yield per 10,000 shares of the revenue cycle and the shares of the virtual resource product purchased by the investor, and generates a revenue file based on the sub-account revenue, yield per 10,000 shares, and shares.

[0259] s402: The scheduled task receives the revenue file sent by the product issuing end and parses the revenue file.

[0260] A scheduled task is a task set in the financial management platform to execute business on a timer. In the embodiment of the present application, the scheduled task supports the scheduled scanning of the income file issued by the product issuer, and parses the income file after scanning the income file to parse and obtain the analysis results such as the yield per 10,000 shares and the income of the sub-account of the virtual resource product during the income cycle.

[0261] s403: The scheduled task notifies the financial management platform to enter the sub-account income of the resource sub-account. Specifically, the scheduled task notifies the financial management platform to enter the income into the resource sub-account to which the virtual resource product belongs according to the analysis result.

[0262] s404: The financial management platform records the income in the resource sub-account according to the notification of the scheduled task.

[0263] After receiving the notification of the scheduled task, the financial management platform records the sub-account income record of the virtual resource product within the income cycle, and registers the sub-account income in the virtual resource product account.

[0264] (2) Account income of the resource portfolio account is recorded.

[0265] s405: The scheduled task periodically queries the income accounting status of the N resource sub-accounts in the resource combination account. In the embodiment of the present application, the scheduled task also needs to periodically scan the accounting status of the N resource sub-accounts.

[0266] s406: The scheduled task detects whether all N resource sub-accounts have been successfully recorded. If all N resource sub-accounts have been successfully recorded, the financial management platform is started to record the resource combination account, that is, step s407 is executed.

[0267] s407: When the scheduled task detects that N resource sub-accounts have all been recorded successfully, it notifies the financial management platform to record the account in the resource combination account.

[0268] s408: The financial management platform records the account in the resource combination account. Specifically, the financial management platform queries the revenue share of each virtual resource product under the resource combination account (i.e., the sub-account revenue recorded in each resource sub-account), and calculates the account revenue of the resource combination account as the accumulation of the sub-account revenue recorded in each resource sub-account under the resource combination account. Further, the financial management platform records the account revenue of the resource combination account and registers its account revenue in the resource combination account.

[0269] Based on the above descriptions of the bill list and income details of the resource combination account from the interface dimension and the background dimension, the following two points need to be explained: ① For the resource combination account, the account income under a single income transaction is equal to the sum of the sub-account income of N resource sub-accounts in the corresponding income cycle; when the actual income is issued, the issuer of the virtual resource product issues the sub-account income to the corresponding resource sub-account. The financial management platform will only record the income of this account combination in the resource combination account after the sub-account income of the N resource sub-accounts has been successfully recorded. Therefore, whether the investor views or redeems the account income generated in the income cycle, it is necessary to wait until the resource combination account is successfully recorded before the account income of the resource combination account can be viewed and redeemed. ② The embodiment of the present application also supports the financial management platform to calculate the income per ten thousand of the resource combination account, and allows the income per ten thousand of the resource combination account to be displayed in the bill interface of the resource combination account, so that investors can perceive the overall income of the resource combination account. Among them, the financial management platform calculates the yield rate of ten thousand shares of the resource portfolio account, where the yield rate of ten thousand shares is the weighted average of the holding amounts held by N resource sub-accounts (that is, the yield rate of ten thousand shares of the resource portfolio account = sum (yield rate of ten thousand shares of a single virtual resource product (i) * holding amount of a single virtual resource product / total holding amount of the resource portfolio account)), i is any resource sub-account among the N resource sub-accounts.

[0270] In summary, on the one hand, the embodiment of the present application supports investors to customize resource portfolio accounts according to their personalized needs (such as virtual resource product preferences and fund redemption requirements, etc.), which can better meet the investment needs of investors compared to the general product portfolio provided by the financial management platform; and, it also supports investors to customize the target business execution information of the resource portfolio account. The financial management platform can perform resource business processing in N resource sub-accounts according to the allocation rules indicated by the resource business policy specified in the target business execution information, that is, the target business data volume specified by the user is allocated in the N resource sub-accounts. The processing result of the resource business processing can meet the personalized needs of the user to allocate the target business data volume to N resource sub-accounts, significantly improve the user's financial management experience, and enhance the user's stickiness to the financial management platform. On the other hand, the embodiment of the present application has the authority to view the account income of the resource portfolio account and the sub-account income of a single resource sub-account in the resource portfolio account, which meets the investor's viewing needs for financial management income and enhances the investor's stickiness to the financial management platform.

[0271] The method of the embodiment of the present application is described in detail above. In order to facilitate the above-mentioned scheme of the embodiment of the present application to be better implemented, the device of the embodiment of the present application is provided below accordingly. In the embodiment of the present application, the term "module" or "unit" refers to a computer program or a part of a computer program with a predetermined function, and works together with other related parts to achieve a predetermined goal, and can be implemented in whole or in part by using software, hardware (such as processing circuits or memories) or a combination thereof. Similarly, a processor (or multiple processors or memories) can be used to implement one or more modules or units. In addition, each module or unit can be a part of an overall module or unit that includes the module or unit function.

[0272] Fig. 22 A schematic diagram of the structure of a data processing device provided by an exemplary embodiment of the present application is shown; the data processing device can be used to execute Figure 3 and Fig.13 Some or all of the steps in the method embodiment shown. Fig. 22 , the device comprises the following units:

[0273] The display unit 2201 is used to display the resource business interface corresponding to the resource combination account; the resource combination account includes N resource sub-accounts, where N is an integer greater than 1;

[0274] The processing unit 2202 is used to receive target business execution information set for the resource portfolio account in response to the information setting operation performed in the resource business interface, where the target business execution information includes a resource business policy and a target business data volume, where the resource business policy is used to indicate: an allocation rule for allocating the target business data volume among N resource sub-accounts;

[0275] The processing unit 2202 is further configured to perform resource business processing in the N resource sub-accounts according to the allocation rules indicated by the resource business policy when there is a resource business event in the resource combination account.

[0276] In one implementation, the resource business interface includes a data volume setting area and a policy setting area; the processing unit 2202 is used to respond to the information setting operation performed in the resource business interface, and when receiving the target business execution information set for the resource portfolio account, specifically to:

[0277] According to the data volume setting operation performed in the data volume setting area, displaying the set target service data volume in the data volume setting area; and,

[0278] According to the policy setting operation performed in the policy setting area, the resource business policy being set is displayed in the policy setting area;

[0279] Among them, the target business execution information is the first business execution information pre-configured when creating a resource portfolio account, or the second business execution information set in the resource business interface; the reference factors for setting the resource business strategy include at least one of the following: the holding period of the resource portfolio account, the balance between account income and account redemption when there are resource business events in the resource portfolio account, and the account income of the resource portfolio account.

[0280] In one implementation, the first service execution information includes the first service data volume, and the second service execution information includes the second service data volume; the processing unit 2202 is used to display the set target service data volume in the data volume setting area according to the data volume setting operation performed in the data volume setting area, specifically to:

[0281] Displaying the first service data volume in the data volume setting area;

[0282] In response to a data volume confirmation operation for the first service data volume, taking the first service data volume as a target service data volume; or,

[0283] In response to a data volume input operation performed in the data volume setting area, the first service data volume is replaced with the second service data volume input by the data volume input operation in the data volume setting area, and the second service data volume is used as the target service data volume.

[0284] In one implementation, the first service execution information includes a first service policy, and the second service execution information includes a second service policy; the processing unit 2202 is configured to display the set resource service policy in the policy setting area according to the policy setting operation performed in the policy setting area, specifically to:

[0285] Displaying the first business policy in the policy setting area;

[0286] In response to a policy validation operation for the first business policy, using the first business policy as a resource business policy; or,

[0287] In response to a policy modification operation performed on a first business policy in the policy setting area, a second business policy input by the policy modification operation is adopted in the policy setting area, the first business policy is replaced and displayed, and the second business policy is used as a resource business policy.

[0288] In one implementation, the processing unit 2202 is configured to, in response to a policy modification operation performed on a first business policy in a policy setting area, replace the first business policy with a second business policy input by the policy modification operation in the policy setting area, when displaying the first business policy, specifically:

[0289] In response to a trigger operation present in the policy setting area, output one or more second service policies;

[0290] According to the policy selection operation performed on the one or more second business policies, the first business policy is deleted in the policy setting area, and the selected second business policy is displayed in the policy setting area.

[0291] In one implementation, the processing unit 2202 is further configured to:

[0292] Display resource combination configuration interface;

[0293] Creating a portfolio account based on the account creation operation performed in the portfolio configuration interface; and,

[0294] In response to an information configuration operation performed in a resource combination configuration interface, first business execution information configured for a resource combination account is received; the first business execution information includes a first business policy and a first business data volume corresponding to at least one resource business; and one resource business corresponds to one resource business event.

[0295] In one implementation, the processing unit 2202 is configured to, when creating a resource combination account according to an account creation operation performed in the resource combination configuration interface, specifically:

[0296] M resource identifiers are displayed in the resource combination configuration interface; M is an integer greater than 1, and the resource identifier is used to indicate a virtual resource product;

[0297] In response to an identifier selection operation performed on M resource identifiers, the selected N target resource identifiers are highlighted; the target resource identifier is one of the M resource identifiers;

[0298] Create a resource combination account based on N target resource identifiers;

[0299] Among the N resource sub-accounts included in the resource combination account, each resource sub-account corresponds to a virtual resource product indicated by a target resource identifier.

[0300] In one implementation, the resource combination configuration interface includes one or more candidate resource combinations, and any candidate resource combination includes at least two candidate resource identifiers; the processing unit 2202 is used to create a resource combination account according to the account creation operation performed in the resource combination configuration interface, specifically to:

[0301] According to a combination selection operation performed in one or more candidate resource combinations, a selected target resource combination is highlighted; the target resource combination is one of the one or more candidate resource combinations;

[0302] In response to a confirmation operation on the target resource combination, a resource combination account is created according to at least two candidate resource identifiers included in the target resource combination.

[0303] In one implementation, the resource combination configuration interface includes an edit option; the processing unit 2202 is further configured to:

[0304] In response to the triggering operation of the edit option, a resource details interface is displayed; the resource details interface displays at least two candidate resource identifiers included in the target resource combination;

[0305] In response to an edit operation performed on at least two candidate resource identifiers included in the target resource combination in the resource details interface, the updated at least two candidate resource identifiers are displayed in the resource details interface; the edit operation includes at least one of the following: deleting the candidate resource identifier from the target resource combination, adding the candidate resource identifier to the target resource combination, and modifying the candidate resource identifier in the target resource combination;

[0306] In response to a confirmation operation on the updated at least two candidate resource identifiers, a resource combination account is created according to the updated at least two candidate resource identifiers.

[0307] In one implementation, the resource combination configuration interface includes a data volume configuration area and a policy configuration area corresponding to each resource service; the processing unit 2202 is used to respond to the information configuration operation performed in the resource combination configuration interface, when receiving the first service execution information configured for the resource combination account, specifically to:

[0308] According to the data volume configuration operation performed in the data volume configuration area, displaying the first service data volume configured for the corresponding resource service in the data volume configuration area; and

[0309] According to the policy configuration operation performed in the policy configuration area, the first service policy configured for the corresponding resource service is displayed in the policy configuration area.

[0310] In one implementation, the processing unit 2202 is further configured to:

[0311] Creating a composite account identifier for the resource composite account; and,

[0312] Create a subaccount identifier for each of the N resource subaccounts included in the resource portfolio account;

[0313] The associated combined account identifier, the sub-account identifier of each resource sub-account, and the first business execution information configured for each resource business.

[0314] In one implementation, the processing unit 2202 is further configured to:

[0315] Display the bill list of the resource portfolio account. The bill list is used to display the historical transaction information of the resource portfolio account. The historical transaction information includes at least the income transaction information. The income transaction information includes the account income obtained by the resource portfolio account in the income cycle and the income distribution time. The account income is the sum of the sub-account income obtained by each resource sub-account in the N resource sub-accounts included in the resource portfolio account in the corresponding income cycle.

[0316] When any income transaction information in the bill list is triggered, the income details interface is displayed;

[0317] The income details interface displays the sub-account income obtained by each resource sub-account in the N resource sub-accounts during the corresponding income period.

[0318] In one implementation, the processing unit 2202 is configured to, when there is a resource service event in the resource portfolio account, perform resource service processing in N resource sub-accounts according to the allocation rule indicated by the resource service policy, specifically to:

[0319] When there is a resource business event in the resource combination account, resource accounting processing is performed in the resource combination account; resource accounting processing is used to transfer the target business data volume in the resource combination account;

[0320] According to the allocation rules indicated by the resource business policy, calculate the amount of sub-business resources that can be allocated to each resource sub-account in the N resource sub-accounts when performing resource business processing;

[0321] Resource business processing for N resource sub-accounts is asynchronously executed according to the amount of sub-business resources that can be allocated to each resource sub-account when performing resource business processing.

[0322] In one implementation, the processing unit 2202 is further configured to:

[0323] In response to a viewing operation on a processing result of a resource business process, the amount of sub-business data allocated to each of the N resource sub-accounts is displayed.

[0324] According to one embodiment of the present application, Fig. 22The various units in the resource processing device shown can be individually or completely combined into one or several other units to form, or one (some) of the units can be further divided into multiple functionally smaller units to form, which can achieve the same operation without affecting the realization of the technical effects of the embodiments of the present application. The above-mentioned units are divided based on logical functions. In practical applications, the function of one unit can also be implemented by multiple units, or the functions of multiple units can be implemented by one unit. In other embodiments of the present application, the resource processing device may also include other units. In practical applications, these functions can also be implemented with the assistance of other units, and can be implemented by the collaboration of multiple units. According to another embodiment of the present application, it is possible to execute the following by running on a general computing device such as a computer including processing elements and storage elements such as a central processing unit (CPU), a random access storage medium (RAM), and a read-only storage medium (ROM). Figure 3 and Fig.13 A computer program (including program code) for each step involved in the corresponding method shown in FIG. Fig. 22 The resource processing device shown in and the resource processing method of the embodiment of the present application are implemented. The computer program can be recorded on, for example, a computer readable recording medium, and loaded into the above-mentioned computing device through the computer readable recording medium and run therein.

[0325] Based on the same inventive concept, the principles and beneficial effects of the problems solved by the resource processing device provided in the embodiment of the present application are similar to the principles and beneficial effects of the problems solved by the resource processing method in the method embodiment of the present application. Please refer to the principles and beneficial effects of the implementation of the method. For the sake of concise description, they will not be repeated here.

[0326] Fig.23 FIG. 1 shows a schematic diagram of a computer device provided by an exemplary embodiment of the present application. Fig.23 , the computer device includes a processor 2301, a communication interface 2302 and a computer-readable storage medium 2303. The processor 2301, the communication interface 2302 and the computer-readable storage medium 2303 can be connected via a bus or other means. The communication interface 2302 is used to receive and send data. The computer-readable storage medium 2303 can be stored in the memory of the computer device, the computer-readable storage medium 2303 is used to store computer programs, and the processor 2301 is used to execute the computer programs stored in the computer-readable storage medium 2303. The processor 2301 (or CPU (Central Processing Unit)) is the computing core and control core of the computer device, which is suitable for implementing one or more computer programs, and is specifically suitable for loading and executing one or more computer programs to realize the corresponding method flow or corresponding function.

[0327] The embodiment of the present application also provides a computer-readable storage medium (Memory), which is a memory device in a computer device for storing programs and data. It is understandable that the computer-readable storage medium here can include both built-in storage media in the computer device and, of course, extended storage media supported by the computer device. The computer-readable storage medium provides a storage space that stores the processing system of the computer device. In addition, one or more computer programs suitable for being loaded and executed by the processor 2301 are also stored in the storage space. It should be noted that the computer-readable storage medium here can be a high-speed RAM memory, or a non-volatile memory, such as at least one disk storage; optionally, it can also be at least one computer-readable storage medium located away from the aforementioned processor.

[0328] In one embodiment, one or more computer programs are stored in a computer-readable storage medium; the processor 2301 loads and executes the one or more computer programs stored in the computer-readable storage medium to implement the corresponding steps in the above-mentioned resource processing method embodiment; in a specific implementation, the one or more computer programs in the computer-readable storage medium are loaded by the processor 2301 and execute the steps of each embodiment of the present application; wherein, the steps of each embodiment of the present application can refer to the relevant description of the aforementioned embodiments, and will not be repeated here.

[0329] Based on the same inventive concept, the principles and beneficial effects of solving the problems provided by the computer device in the embodiment of the present application are similar to the principles and beneficial effects of solving the problems provided by the resource processing method in the method embodiment of the present application. Please refer to the principles and beneficial effects of the implementation of the method. For the sake of concise description, they will not be repeated here.

[0330] An embodiment of the present application also provides a computer program product, which includes a computer program. When the computer program is executed by a processor, the above-mentioned resource processing method is implemented.

[0331] Those of ordinary skill in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed in this application can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application.

[0332] In the above embodiments, it can be implemented in whole or in part by software, hardware, firmware or any combination thereof. When implemented using software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes a computer program (one or more). When a computer program is loaded and executed on a computer device, the computer program executes the above-mentioned process or function of the embodiment of the present application. The computer device can be a general-purpose computer, a special-purpose computer, a computer network or other programmable devices. The computer program can be stored in a computer-readable storage medium or transmitted by a computer-readable storage medium. The computer program can be transmitted from a website site, a computer device, a server or a data center by wired (e.g., coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) mode to another website site, computer device, server or data center. The computer-readable storage medium can be any available medium that a computer device can access or a data storage device such as a server or a data center that contains one or more available media integrations. Available media can be magnetic media (e.g., floppy disk, hard disk, tape), optical media (e.g., DVD), or semiconductor media (e.g., solid-state drive (Solid State Disk, SSD)) and the like.

[0333] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

Claims

1. A resource processing method, characterized in that: include: Display the resource business interface corresponding to the resource portfolio account; The resource combination account includes N resource sub-accounts, where N is an integer greater than 1; In response to an information setting operation performed in the resource business interface, receiving target business execution information set for the resource portfolio account, the target business execution information including a resource business policy and a target business data volume, the resource business policy being used to indicate: an allocation rule for allocating the target business data volume among the N resource sub-accounts; When a resource service event exists in the resource combination account, resource service processing is performed in the N resource sub-accounts according to the allocation rule indicated by the resource service policy.

2. The method according to claim 1, characterized in that The resource business interface includes a data volume setting area and a policy setting area; the receiving, in response to the information setting operation performed in the resource business interface, target business execution information set for the resource combination account includes: displaying the set target service data volume in the data volume setting area according to the data volume setting operation performed in the data volume setting area; and According to the policy setting operation performed in the policy setting area, displaying the resource service policy that is set in the policy setting area; Among them, the target business execution information is the first business execution information pre-configured when creating the resource combination account, or the second business execution information set in the resource business interface; the reference factors for setting the resource business strategy include at least one of the following: the holding period of the resource combination account, the balance between account income and account redemption when there are resource business events in the resource combination account, and the account income of the resource combination account.

3. The method according to claim 2, characterized in that The first service execution information includes a first service data volume, and the second service execution information includes a second service data volume; and displaying the set target service data volume in the data volume setting area according to the data volume setting operation performed in the data volume setting area includes: Displaying the first service data volume in the data volume setting area; In response to a data volume confirmation operation for the first service data volume, taking the first service data volume as the target service data volume; or, In response to a data volume input operation performed in the data volume setting area, the second business data volume input by the data volume input operation is used in the data volume setting area to replace the first business data volume, and the second business data volume is used as the target business data volume.

4. The method according to claim 2, characterized in that The first service execution information includes a first service policy, and the second service execution information includes a second service policy; and displaying the set resource service policy in the policy setting area according to the policy setting operation performed in the policy setting area includes: Displaying the first service policy in the policy setting area; In response to a policy confirmation operation for the first business policy, using the first business policy as the resource business policy; or, In response to a policy modification operation performed on the first business policy in the policy setting area, the second business policy input by the policy modification operation is adopted in the policy setting area to replace the first business policy and to serve as the resource business policy.

5. The method according to claim 4, characterized in that In response to the policy modification operation performed on the first business policy in the policy setting area, replacing the first business policy with the second business policy input by the policy modification operation in the policy setting area, comprises: In response to a trigger operation present in the policy setting area, output one or more of the second service policies; According to the policy selection operation performed on one or more of the second business policies, the first business policy is deleted in the policy setting area, and the selected second business policy is displayed in the policy setting area.

6. The method according to any one of claims 1 to 5, characterized in that: The method further comprises: Display resource combination configuration interface; Creating a resource portfolio account according to an account creation operation performed in the resource portfolio configuration interface; and, In response to the information configuration operation performed in the resource combination configuration interface, the first business execution information configured for the resource combination account is received; the first business execution information includes a first business policy and a first business data volume corresponding to at least one resource business; one of the resource businesses corresponds to a resource business event.

7. The method according to claim 6, characterized in that The step of creating a resource combination account according to the account creation operation performed in the resource combination configuration interface includes: Displaying M resource identifiers in the resource combination configuration interface; M is an integer greater than 1, and the resource identifier is used to indicate a virtual resource product; In response to an identifier selection operation performed on the M resource identifiers, the selected N target resource identifiers are highlighted; the target resource identifier is one of the M resource identifiers; Creating the resource combination account according to the N target resource identifiers; Among the N resource sub-accounts included in the resource combination account, each resource sub-account corresponds to the virtual resource product indicated by the target resource identifier.

8. The method according to claim 6, characterized in that The resource combination configuration interface includes one or more candidate resource combinations, and any of the candidate resource combinations includes at least two candidate resource identifiers; and the creating a resource combination account according to the account creation operation performed in the resource combination configuration interface includes: According to the combination selection operation performed in one or more of the candidate resource combinations, highlighting the selected target resource combination; the target resource combination is one of the one or more candidate resource combinations; In response to a confirmation operation on the target resource combination, the resource combination account is created according to at least two candidate resource identifiers included in the target resource combination.

9. The method according to claim 8, characterized in that The resource combination configuration interface includes an editing option; the method further includes: In response to the triggering operation of the editing option, a resource details interface is displayed; the resource details interface displays at least two candidate resource identifiers included in the target resource combination; In response to an edit operation performed on at least two of the candidate resource identifiers included in the target resource combination in the resource details interface, displaying updated at least two of the candidate resource identifiers in the resource details interface; the edit operation includes at least one of the following: deleting the candidate resource identifier from the target resource combination, adding the candidate resource identifier to the target resource combination, and modifying the candidate resource identifier in the target resource combination; In response to a confirmation operation on the updated at least two candidate resource identifiers, the resource combination account is created according to the updated at least two candidate resource identifiers.

10. The method according to claim 6, characterized in that The resource combination configuration interface includes a data volume configuration area and a policy configuration area corresponding to each resource service; the first service execution information configured for the resource combination account is received in response to the information configuration operation performed in the resource combination configuration interface, including: According to the data volume configuration operation performed in the data volume configuration area, the first service data volume configured for the corresponding resource service is displayed in the data volume configuration area; and According to the policy configuration operation performed in the policy configuration area, the first service policy configured for the corresponding resource service is displayed in the policy configuration area.

11. The method according to claim 6, characterized in that The method further comprises: Creating a combined account identifier for the resource combined account; and, Creating a sub-account identifier for each of the N resource sub-accounts included in the resource combination account; The combined account identifier, the sub-account identifier of each of the resource sub-accounts, and the first service execution information configured for each of the resource services are associated.

12. The method according to any one of claims 1 to 5, characterized in that: The method further comprises: Display a bill list of the resource combination account, the bill list is used to display the historical transaction information of the resource combination account; the historical transaction information at least includes the revenue transaction information, the revenue transaction information includes the account revenue obtained by the resource combination account in the revenue cycle and the revenue issuance time; the account revenue is the sum of the sub-account revenue obtained by each of the N resource sub-accounts included in the resource combination account in the corresponding revenue cycle; When any income transaction information in the bill list is triggered, the income details interface is displayed; The income details interface displays the sub-account income obtained by each of the N resource sub-accounts in the corresponding income period.

13. The method according to any one of claims 1 to 5, characterized in that: When a resource service event occurs in the resource combination account, resource service processing is performed in the N resource sub-accounts according to the allocation rule indicated by the resource service policy, including: When a resource service event exists in the resource combination account, a resource accounting process is performed in the resource combination account; the resource accounting process is used to transfer the target service data volume in the resource combination account; According to the allocation rule indicated by the resource service policy, the amount of sub-service resources that can be allocated to each of the N resource sub-accounts when performing resource service processing is calculated; Resource business processing for N resource sub-accounts is asynchronously executed according to the amount of sub-business resources that can be allocated to each resource sub-account when performing resource business processing.

14. The method according to claim 13, characterized in that The method further comprises: In response to a viewing operation on a processing result of the resource business processing, the amount of sub-business data allocated to each of the N resource sub-accounts is displayed.

15. A resource processing device, characterized in that: include: A display unit, used to display a resource business interface corresponding to a resource portfolio account; The resource portfolio account includes N resource sub-accounts, where N is an integer greater than 1; a processing unit, configured to receive target business execution information set for the resource portfolio account in response to an information setting operation performed in the resource business interface, the target business execution information including a resource business policy and a target business data volume, the resource business policy being used to indicate: an allocation rule for allocating the target business data volume among N resource sub-accounts; The processing unit is further configured to perform resource business processing in the N resource sub-accounts according to the allocation rules indicated by the resource business policy when there is a resource business event in the resource combination account.

16. A computer device, characterized in that: include: a processor adapted to execute a computer program; A computer-readable storage medium, wherein a computer program is stored in the computer-readable storage medium, and when the computer program is executed by the processor, the resource processing method according to any one of claims 1 to 14 is implemented.

17. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer application, and when the computer application is executed, the resource processing method according to any one of claims 1 to 14 is implemented.

18. A computer program product, characterized in that The computer program product comprises computer instructions, and when the computer instructions are executed by a processor, the resource processing method according to any one of claims 1 to 14 is implemented.

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