A transaction revenue distribution method, device, equipment and storage medium

Abstract

Embodiments of the present application provide a transaction income distribution method, device, equipment and storage medium. The method comprises: obtaining a preset dividend date of any target project and a specified dividend interval preset for each preset dividend date; in response to an asset income update request for the target project, creating an asset income record of a current transaction day, the asset income record at least including a target dividend interval income corresponding to the current transaction day and an unpaid accrued income; if the current transaction day is any preset dividend date, taking the target dividend interval income corresponding to the current transaction day as transaction income information of the specified dividend interval of the preset dividend date, and triggering a dividend request to a transaction platform to instruct the transaction platform to perform a dividend operation corresponding to the current transaction day; and in response to dividend success indication information returned by the transaction platform, updating the asset income record after the dividend of the current transaction day. The embodiments of the present application can eliminate the risk of financing for transaction income distribution and improve the timeliness of transaction income distribution.

Description

TECHNICAL FIELD

[0001] Embodiments of the present application relate to the technical field of data processing, in particular to a transaction income distribution method and device, equipment and storage medium. BACKGROUND

[0002] In the investment transaction scenarios of various financial products, for the part of idle cash assets of a client in a broker account, a cash management service system provided by a broker is usually used to re-invest the idle funds of the client into profitable financial products, so as to maximize the value and benefit of the idle funds.

[0003] Generally, for any transaction completed by a user in the cash management service system, the user is paid a certain transaction income. However, when distributing dividends on a certain transaction day, all transaction incomes from the last dividend distribution transaction day to the current transaction day are usually distributed to the user, so that there may be a certain difference between the actual dividend distribution interval and the interest settlement interval of the transaction, resulting in the problem of transaction income distribution requiring a margin, and the effectiveness of transaction income distribution cannot be guaranteed. SUMMARY

[0004] Embodiments of the present application provide a transaction income distribution method, device, equipment and storage medium, which distributes transaction incomes in a specified dividend distribution interval on each preset dividend distribution day, guarantees the effectiveness of transaction income distribution, eliminates the margin risk of transaction income distribution, and improves the timeliness of transaction income distribution.

[0005] In a first aspect, embodiments of the present application provide a transaction income distribution method, which comprises:

[0006] obtaining a preset dividend distribution day of any target project and a specified dividend distribution interval preset for each of the preset dividend distribution days; wherein each preset dividend distribution day is after the interest settlement day of the specified dividend distribution interval of the preset dividend distribution day and is in a next preset dividend distribution interval adjacent to the specified dividend distribution interval, the interest settlement day of the specified dividend distribution interval and the interest settlement day of the next preset dividend distribution interval are consecutive transaction days;

[0007] in response to an asset income update request for the target project, creating an asset income record of a current transaction day, the asset income record at least including a target dividend distribution interval income corresponding to the current transaction day and an unpaid accrued income, the target dividend distribution interval being the first dividend distribution interval that has not been successfully distributed in time sequence after each preceding dividend distribution interval and the current dividend distribution interval of the current transaction day;

[0008] if the current trading day is any of the preset dividend days, taking the target dividend interval yield corresponding to the current trading day as the transaction yield information of the specified dividend interval of the preset dividend day, and triggering a dividend request to the transaction platform to instruct the transaction platform to perform the dividend operation corresponding to the current trading day;

[0009] in response to the dividend success indication information returned by the transaction platform, updating the asset yield record after the dividend of the current trading day.

[0010] In a second aspect, an embodiment of the present application provides a transaction yield distribution device, which comprises:

[0011] a dividend information acquisition module, configured to acquire preset dividend days of any target project and specified dividend intervals preset for each of the preset dividend days; wherein each preset dividend day is after the ex-dividend day of the specified dividend interval of the preset dividend day and is in a subsequent preset dividend interval adjacent to the specified dividend interval, and the ex-dividend day of the specified dividend interval and the interest start date of the subsequent preset dividend interval are consecutive trading days;

[0012] an asset yield determination module, configured to create an asset yield record of a current trading day in response to an asset yield update request for the target project, the asset yield record comprising at least a target dividend interval yield corresponding to the current trading day and an unpaid accrual yield, the target dividend interval being the first dividend interval that has not been successfully dividend in the order of arrangement of each preceding dividend interval and the current dividend interval of the current trading day;

[0013] a first dividend module, configured to, if the current trading day is any of the preset dividend days, take the target dividend interval yield corresponding to the current trading day as the transaction yield information of the specified dividend interval of the preset dividend day, and trigger a dividend request to the transaction platform to instruct the transaction platform to perform the dividend operation corresponding to the current trading day;

[0014] an asset yield update module, configured to, in response to the dividend success indication information returned by the transaction platform, update the asset yield record after the dividend of the current trading day.

[0015] In a third aspect, an embodiment of the present application provides an electronic device, which comprises:

[0016] a processor and a memory, the memory being configured to store a computer program, and the processor being configured to invoke and run the computer program stored in the memory to execute the transaction yield distribution method provided in the first aspect of the present application.

[0017] In a fourth aspect, an embodiment of the present application provides a computer readable storage medium for storing a computer program, the computer program causing a computer to execute the transaction income distribution method provided in the first aspect of the present application.

[0018] In a fifth aspect, an embodiment of the present application provides a computer program product, comprising computer programs / instructions, which, when executed by a processor, implement the transaction income distribution method provided in the first aspect of the present application.

[0019] The technical scheme provided by the embodiments of the present application can be used for transaction income distribution of any target project, and a plurality of dividend distribution dates are preconfigured, and a continuous specified dividend distribution interval is configured for each preconfigured dividend distribution date. Moreover, each preconfigured dividend distribution date is after the end date of the specified dividend distribution interval of the preconfigured dividend distribution date and in a subsequent preconfigured dividend distribution interval adjacent to the specified dividend distribution interval, and the end date of the specified dividend distribution interval and the start date of the subsequent preconfigured dividend distribution interval are consecutive trading dates. For any target project, the preconfigured dividend distribution dates of the target and the specified dividend distribution intervals preconfigured for each preconfigured dividend distribution date are first obtained. Then, after entering each trading date, in response to an asset income update request of the target project, an asset income record of the current trading date is created, and the asset income record at least includes a target dividend distribution interval income corresponding to the current trading date and unpaid income, the target dividend distribution interval being the first dividend distribution interval that has not been successfully distributed after arranging the preconfigured dividend distribution intervals and the current dividend distribution interval in chronological order. When the current trading date is any preconfigured dividend distribution date, the target dividend distribution interval income corresponding to the current trading date can be used as the transaction income information of the specified dividend distribution interval of the preconfigured dividend distribution date, and a dividend distribution request is triggered to the transaction platform to instruct the transaction platform to perform the dividend distribution operation corresponding to the current trading date, and only the transaction income of the specified dividend distribution interval needs to be distributed at each preconfigured dividend distribution date. By configuring the preconfigured dividend distribution date after the end date of the specified dividend distribution interval, the delay of transaction income distribution is avoided, the effectiveness of transaction income distribution is ensured, the risk of transaction income distribution is eliminated, and the timeliness of transaction income distribution is improved. Moreover, in response to the dividend distribution success indication information returned by the transaction platform, the asset income record after the dividend distribution of the current trading date is updated to ensure the accuracy of transaction income distribution in subsequent trading dates. BRIEF DESCRIPTION OF DRAWINGS

[0020] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed in the embodiment description will be briefly introduced. Obviously, the drawings in the following description are only some embodiments of the present application, and other drawings can be obtained by those skilled in the art without creating any creative labor.

[0021] Figure 1A first transaction service end and a second transaction service end provided by an embodiment of the present application are shown in a schematic diagram of a principle of transaction implementation;

[0022] Figure 2 A flowchart of a transaction income distribution method provided by an embodiment of the present application is shown in a schematic diagram;

[0023] Figure 3a A schematic diagram of preset dividend distribution days and preset dividend distribution intervals provided by an embodiment of the present application is shown in a schematic diagram;

[0024] Figure 3b and Figure 3c Exemplary schematic diagrams of target dividend distribution intervals of a current transaction day in different situations provided by an embodiment of the present application are shown in a schematic diagram;

[0025] Figure 4 A flowchart of another transaction income distribution method provided by an embodiment of the present application is shown in a schematic diagram;

[0026] Figure 5 A flowchart of still another transaction income distribution method provided by an embodiment of the present application is shown in a schematic diagram;

[0027] Figure 6 A principle block diagram of a transaction income distribution device provided by an embodiment of the present application is shown in a schematic diagram;

[0028] Figure 7 A schematic block diagram of an electronic device provided by an embodiment of the present application is shown in a schematic diagram. DETAILED DESCRIPTION

[0029] The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments of the present application. Based on the embodiments in the present application, all other embodiments obtained by those skilled in the art without creative work fall within the scope of protection of the present application.

[0030] It should be noted that the terms "first", "second", and the like in the specification and claims of the present application and the above-described drawings are used to distinguish similar objects, and do not necessarily indicate a specific order or a chronological sequence. It should be understood that the data thus used can be interchanged under appropriate circumstances, so that the embodiments of the present application described herein can be implemented in an order other than that illustrated or described herein. In addition, the terms "include" and "have" and any variations thereof are intended to cover non-exclusive inclusion, for example, a process, method, system, product, or server including a series of steps or units does not necessarily have to include only those steps or units clearly listed, but can include other steps or units not clearly listed or inherent to the process, method, product, or device.

[0031] In the scenario of various business investment transactions, a user can invest the idle resources of a customer into various financial products represented by transaction targets based on a cash management service system provided by a broker, so as to maximize the value and benefits of the idle resources. The transaction targets can be financial products such as stocks, funds, options, or one or more combinations of financial products such as stocks, funds, and options. The idle resources can be balance information of different currencies that can be used by the customer to trade various transaction targets in different accounts.

[0032] Considering that the idle resources of the customer can be of multiple types, such as multiple currencies, and supporting investment in financial products represented by multiple transaction targets, in order to realize comprehensive transactions of any user in a diversified transaction scenario composed of multiple transaction targets and multiple idle resources, the present application can introduce the concept of a target item. When the customer initiates a corresponding transaction using idle resources of a certain currency for a certain transaction target, the idle resources of the currency type used this time and the transaction target can be added to a corresponding target item. Each transaction item can be independently run for each pre-deployed target item. Thus, the present application can accurately realize the specific transaction process initiated by any user using any idle resource for any transaction target from the dimension of the target item.

[0033] It can be understood that the entire transaction process of re-investing the idle resources of the customer in any financial product can be the overall process from the initiation of the transaction to the distribution of the corresponding benefits to the customer after the transaction is successful. In order to ensure the efficient and accurate implementation of the transaction, as shown in Figure 1 A cash management service system provided by a broker can include two parts: a first transaction server and a second transaction server.

[0034] The first transaction server can act as a custodian of the idle resources of the customer, providing corresponding management schemes for the idle resources of the customer, such as resource balance, interest rate, interest calendar, dividend, and view services. The second transaction server can act as an upstream service of the first transaction server, providing corresponding transaction, interest calculation, and dividend distribution capabilities for any transaction initiated by the first transaction server for the idle resources of the customer.

[0035] Specifically, in order to ensure the transaction accuracy of the first transaction server and the second transaction server, by disassembling the transaction functions supported by the first transaction server and the second transaction server, multiple function modules can be divided in the first transaction server and the second transaction server, respectively, to ensure the accurate implementation of the transaction.

[0036] The function modules divided in the first transaction server and the second transaction server can be described in detail from the following two aspects:

[0037] In the first aspect, the first transaction server can be divided into a core business layer and a presentation layer according to the service functions and object orientation of the first transaction server, based on the requirements of service internal function cohesion and clear boundary between services. The core business layer can include a first customer management service, a customer balance management service, a first project management service, a calendar service, an upstream report storage service, an operation report service, a dividend distribution service, and a first interactive script, and the presentation layer can include a first management background view service and a client view service.

[0038] Specifically, as shown in FIG. 1, the specific service functions of the various functional modules in the first transaction server can be as follows: Figure 1

[0039] 1) First customer management service

[0040] The first customer management service can be used to manage the registration (i.e., joining) and exit status of various customers, provide interfaces for customer registration and exit, and support the configuration of specific customer packages to manage the white list of various target projects.

[0041] 2) Customer balance management service

[0042] The customer balance management service can be used to manage the resource balance of various customers in different currencies. Then, according to the balance of each customer and the customer registration status, corresponding transaction records can be automatically generated to re-invest the idle resources of the customers. Moreover, the customer balance management service can support interaction with the upstream report storage service to reconcile the resource balance of each customer and update the resource balance of each customer after reconciliation.

[0043] To ensure the accurate implementation of the customer balance management service, various external interfaces can be provided to implement various reconciliation functions of the idle resource balance of the customers.

[0044] 3) First project management service

[0045] The target project is an important entity newly added to the cash management service system, and each target project supports independent operation. Moreover, each target project has its own registered customers and can independently perform transactions, calculate yields, and manage balances for the customers. Therefore, the first project management service can abstract the entity of the target project and manage the entities of various target projects to support the creation and update of the target projects, so that the first transaction server can more flexibly configure the properties of the target projects to adapt to the business market needs of different objects.

[0046] 4) Calendar service ​

[0047] The calendar service can be used to manage the transaction calendar and the dividend calendar of each target item. Among them, the transaction calendar can at least mark the transaction day of each target item, and the dividend calendar can at least mark the dividend day of each target item.

[0048] 5) Upstream report storage service

[0049] In the transaction process, in order to support the second transaction server to accurately process any transaction initiated by the first transaction server, such as transaction, interest calculation, and dividend distribution, the first transaction server usually sends the customer's registration file, transaction file, and related interest rate file to the second transaction server to perform corresponding transaction calculation operations. Considering file compliance and audit issues, the upstream report from the second transaction server after transaction processing needs to be stored on the first transaction server.

[0050] However, since the upstream report does not belong to customer management, nor can it be divided into target item management. Therefore, the upstream report storage service of the first transaction server can support database storage of the upstream report, provide read and write capabilities of the upstream report, and provide corresponding read, transaction, and registration logic for customer balance management services, and provide query capabilities for the landing database.

[0051] 6) Operation report service

[0052] Internal management personnel have the demand to view operation reports in the dimensions of transaction days and customers. Neither the first customer management service nor the customer balance management service can carry the cross-border demand. Therefore, the operation report service is independently divided in the first transaction server to be responsible for managing data summary reports in the dimensions of customers, customer balances, and target items, and generating operation-related report data.

[0053] 7) Dividend service

[0054] The dividend service can be used to distribute the idle resource income of the customer's idle resources during upstream transactions to the customer, that is, to distribute the customer's transaction income resources to the corresponding securities account.

[0055] 8) First interaction script

[0056] The first interaction script can be responsible for data interaction between the first transaction service and the second transaction service, and can realize data interaction in the form of secure file transfer protocol. Specifically, the first interaction script can convert system internal data of the first transaction service into a standard file definition format to interact with the second transaction service, and will not expose the implementation details of the system internal data of the first transaction service. The first interaction script can support sending of data such as customer registration files, transaction files, and related interest rate files (denoted as Outbound), and can also support processing of upstream reports such as balance reporting, balance allocation, dividend distribution files, and transaction project interest rate files (denoted as Inbound) of the second transaction service.

[0057] The first interaction script can obtain all target projects (including invalid target projects) from the first project management service, and determine whether the report of each target project has been completed or the output file of the target project has been interrupted, to obtain corresponding related project data of the target project that has been completed or whose output file has been interrupted, to generate a transaction attribute file of the target project and send the transaction attribute file to the second transaction service.

[0058] 9) First management background view service

[0059] The first management background view (View) service is a service connected with the web management background, and depends on the interface provided by the core business service in the first transaction service to provide external services, can gather the capabilities of the core business service to provide to the management party, and can also process the display logic that is not concerned by the core business service. Therefore, the management background view service can be separated from the first transaction service.

[0060] 10) Client view service

[0061] For customers, it is very common to view customer registration status and balance details and similar data aggregation requirements on the front end. Therefore, the client view (View) service can be added to the first transaction service, and the following interfaces can be provided for the client view service: pulling transaction service data of the first transaction service, and providing the data to the client after integration. The client view service can provide a view intermediate layer to separate the front-end service and the back-end service in the first transaction service.

[0062] In a second aspect, for the second transaction service, based on the requirements of meeting the internal cohesion of service functions and clear boundaries between services, the services of the second transaction service can also be divided into two layers of a core business layer and a presentation layer according to the service functions and object orientation of the second transaction service. The core business layer can include a second customer management service, a second project management service, a report service, a transaction management service, and a second interaction script, and the presentation layer can include a second management background view service.

[0063] Specifically, as shown in Figure 1 the specific service functions of each functional module in the second transaction service end can be as follows:

[0064] 1) Second customer management service

[0065] The customer of the first transaction service end needs to register customer information in the second transaction service end. Therefore, the second customer management service can be responsible for the management of customer registration information, and manage the account list and customer interest rate gradient information of the customer, etc.

[0066] 2) Second project management service

[0067] The target project is an important entity newly added by the cash management service system, and each target project supports independent operation. Moreover, each target project has its own registered customer, and can independently trade, calculate income, and manage the balance for the customer. Therefore, the second project management service can abstract the entity of the target project, and manage the entities of each target project.

[0068] 3) Report service

[0069] The first transaction service end usually sends the customer's registration file, transaction file, related interest rate file, etc. to the second transaction service end to perform corresponding transaction calculation operations. Considering file compliance and audit, etc., the second transaction service end will generate report data after transaction processing, and the customer's report data needs to be stored.

[0070] However, since the report data does not belong to customer management, nor can it be divided into transaction project management. Therefore, the report service of the second transaction service end can support database storage of upstream reports, provide read and write capabilities of upstream reports, and provide corresponding read, transaction, and registration logic for transaction management services, second customer management services, etc. Query capabilities are provided for the landing database.

[0071] 4) Transaction management service

[0072] The transaction management service is the core of the entire second transaction service end, and is used to process the subscription / redemption transactions initiated by the customer. Since the idle resources of the customer can be calculated according to the gradient enjoyed by the customer, the interest of the customer can be calculated, and the resource balance of each target project of the customer can be managed. At this time, the target project, the resource balance of the customer, and the interest of the balance itself are all generated by the transaction behavior, and the transaction is the behavior, and the resource is the state after the transaction. Therefore, the second transaction service end can abstract the transaction management service to uniformly manage various transaction behaviors, involving the core processing logic of transaction and customer resources.

[0073] 5) Second interaction script

[0074] The second interaction script can be responsible for data interaction between the first transaction service and the second transaction service, and can realize data interaction in the form of secure file transfer protocol. Then, the second interaction script can convert the system internal data of the second transaction service into a standard file definition format to interact with the first transaction service, and will not expose the implementation details of the system internal data of the second transaction service. The second interaction script can process data (denoted as Inbound) such as customer registration files, transaction files, and related interest rate files from the first transaction service, and can also return data (denoted as Outbound) such as balance confirmation reports, balance allocation, dividend distribution files, and transaction project interest rate files to the first transaction service.

[0075] 6) Second management background view service

[0076] The second management background view (View) service is a service connected with the web management background, which depends on the interface provided by the core business service in the second transaction service to provide services to the management side, and can process the display logic that the core business service does not care about. Therefore, the management background view service can be separated from the second transaction service.

[0077] In summary, in order to ensure the flexibility and accuracy of the transaction implementation, the present application can register into a corresponding target project by analyzing the idle resources used by the user each time and the transaction target of reinvestment. Then, from the dimension of the target project, the entire transaction process of reinvesting the financial product represented by any transaction target using the idle resources of the customer in a certain currency is executed through the data interaction of the first transaction service and the second transaction service, so as to realize the comprehensive transaction of any user in the diversified transaction scene composed of multiple transaction targets and multiple idle resources.

[0078] Next, the present application can elaborate on the specific transaction income distribution process of any target project after successful transaction.

[0079] Figure 2 A flowchart of a transaction income distribution method provided by an embodiment of the present application. The method can be executed by a transaction income distribution device provided by the present application. The transaction income distribution device can be realized by any software and / or hardware. Illustratively, the transaction income distribution device can be applied in any electronic device, which can include but is not limited to notebook computers, ultra-mobile personal computers (UMPC), netbooks, large computing servers, and various electronic devices, and the present application does not make any limitation on the specific type of electronic device.

[0080] It can be understood that the electronic device to which the transaction income distribution apparatus in the present application is applied can be the second transaction server introduced above.

[0081] Specifically, as shown in Figure 2 The method can include the following steps:

[0082] S210, obtaining a preset dividend date of any target project and a specified dividend interval preset for each preset dividend date.

[0083] In order to ensure the effectiveness of the transaction income distribution, any target project needs to judge whether the transaction income distribution needs to be performed to the user once a day after a successful transaction. Moreover, in order to ensure the orderliness of any target project in the transaction income distribution, a plurality of dividend dates, that is, the preset dividend dates in the present application, are usually pre-configured for the target project according to certain rules, so as to distribute the transaction income of the target project in a previous period of time to the user at each preset dividend date. For example, the 5th of each month can be set as the preset dividend date of a target project.

[0084] In the present application, considering that there can be a part of transaction days in the actual dividend range of any target project in the transaction income distribution at each preset dividend date which have not completed the transaction income settlement of the related assets (that is, the actual dividend range and the dividend interval are inconsistent), which causes the need for the transaction income distribution to be financed. Then, in order to eliminate the financing risk of any target project in the transaction income distribution, the present application can pre-configure a corresponding dividend interval for each preset dividend date of the target project, so as to distribute the transaction income of the specified dividend interval of the preset dividend date to the user at each preset dividend date. For example, the preset dividend date is the 5th of each month, and the preset specified dividend interval corresponding to each preset dividend date is from the 1st to the last day of the corresponding month. For example, the preset dividend date is April 5th, and the corresponding specified dividend interval is from March 1st to March 31st.

[0085] It can be understood that for any target project, a plurality of preset dividend intervals are pre-set, and for each preset interval, a preset dividend date is pre-set. The specified dividend interval in the present embodiment refers to the preset dividend interval corresponding to the preset dividend date in the plurality of preset dividend intervals when describing the preset dividend date.

[0086] As shown in Figure 3a The preset dividend interval can include a dividend start date and a dividend end date, and the preset dividend date, the dividend start date and the dividend end date are all transaction days (denoted as T days) of the target project. The dividend start date of any preset dividend interval can be the starting point of the preset dividend interval, and the dividend end date can be the terminal point of the preset dividend interval.

[0087] Moreover, each preset dividend paying day can be after the ex-dividend date of the designated dividend paying interval of the preset dividend paying day and in the next preset dividend paying interval adjacent to the designated dividend paying interval, so that when dividends are paid on the preset dividend paying day, it can be ensured that the trading income of the designated dividend paying interval of the preset dividend paying day has been completed and settled, avoiding the problem of advance payment when trading income is distributed, and preventing the accurate distribution of the next preset dividend paying interval from being affected.

[0088] In order to avoid the omission of dividends of some trading days by any target project when trading income is distributed, the application can set the designated dividend paying intervals of any two adjacent preset dividend paying days as continuous dividend paying intervals, that is, any two adjacent preset dividend paying intervals are continuous, so that when the trading income of the designated dividend paying interval is distributed on each preset dividend paying day, the trading income of some trading days not in any preset dividend paying interval will be omitted.

[0089] Specifically, the ex-dividend date of the designated dividend paying interval of each preset dividend paying day and the dividend paying start date of the next preset dividend paying interval adjacent to the designated dividend paying interval can be consecutive trading days. That is, the next trading day of the ex-dividend date of the designated dividend paying interval of each preset dividend paying day is the dividend paying start date of the next preset dividend paying interval adjacent to the designated dividend paying interval. Moreover, the next preset dividend paying interval adjacent to the designated dividend paying interval of each preset dividend paying day is the designated dividend paying interval of the next preset dividend paying day adjacent to the preset dividend paying day.

[0090] From the above, before the actual trading income distribution operation of any target project is performed, the application first parses the dividend calendar corresponding to the target project to obtain each preset dividend paying day of the target project and the designated dividend paying interval preset for each preset dividend paying day, so as to subsequently distribute the trading income of the target project in the designated dividend paying interval of each preset dividend paying day to the user.

[0091] S220, in response to the asset income update request for the target project, creating an asset income record of the current trading day, the asset income record at least including the target dividend paying interval income corresponding to the current trading day and the unpaid accrued income.

[0092] The asset income record refers to the relevant information of the asset income of any account under the target project. The target dividend paying interval corresponding to the current trading day refers to the last preset dividend paying interval adjacent to the preset dividend paying interval to which the current trading day belongs. The target dividend paying interval income refers to all unpaid income in the target dividend paying interval corresponding to the current trading day. The unpaid accrued income refers to all unpaid income of all preset dividend paying intervals before the current trading day under the target trading project.

[0093] Considering that any target project will generate certain transaction income on each trading day after a successful transaction, and the transaction income in the corresponding period will be distributed on each preset dividend day, in order to ensure that the asset income of any target project is updated in time, the target project will have a corresponding update requirement for the asset income of the target project on each trading day after a successful transaction. Therefore, after each trading day of the target project ends, an asset income update request for the target project can be automatically or manually generated to update the asset income of the target project on the trading day in time.

[0094] Since any target project will distribute the transaction income of the specified dividend interval corresponding to the preset dividend day to the user when distributing the transaction income on the preset dividend day, and the preset dividend day is after the end date of the specified dividend interval, the application can analyze the transaction income of the specified dividend interval in the period composed of multiple trading days between the end date of the specified dividend interval and the preset dividend day in advance.

[0095] In order to ensure the accuracy of any target project when distributing transaction income, the application can analyze the newly added transaction income of each trading day in real time, and combine the historical transaction income that has not been distributed to the user before the trading day to determine the undistributed accrual income of the trading day.

[0096] When entering each trading day, if the trading day is the end date of a certain preset dividend interval, it means that the transaction income of the preset dividend interval is completed. Moreover, since the preset dividend day of the previous preset dividend interval adjacent to the preset dividend interval is within the preset dividend interval, when entering the trading day (i.e. the end date of the preset dividend interval), it can be known that the transaction income of the previous preset dividend interval adjacent to the preset dividend interval has been distributed. Therefore, the application can determine that the undistributed accrual income on the trading day is the transaction income of the preset dividend interval corresponding to the trading day. Therefore, the transaction income of the specified dividend interval of each preset dividend day can be determined by the undistributed accrual income of a certain trading day represented by the end date of the specified dividend interval.

[0097] In order to ensure the accuracy of any target project when distributing transaction income, at the end of each trading day, the asset income update request for the target project will be triggered first to analyze the asset income of the current trading day.

[0098] Moreover, the resource income of the target project in each trading day is usually related to the undistributed accrued income in the trading day and the trading income of a preset dividend interval related to the trading day. Therefore, when entering each trading day, at least two fields of target dividend interval income and undistributed accrued income are set to record the specific values of the target dividend interval income and the undistributed accrued income corresponding to the trading day. For each trading day, the target dividend interval can be the first dividend interval that has not been successfully distributed after arranging the previous dividend intervals and the current dividend interval in time sequence. It can be understood that the target dividend interval can be used to represent the specified dividend interval on the first preset dividend day after the current trading day, so as to analyze the trading income of the specified dividend interval on the first preset dividend day in advance.

[0099] In one embodiment, the value of the target dividend interval income is updated once in each trading day represented by each preset dividend day and the end date of each dividend interval, and the value of the undistributed accrued income is updated once in each trading day.

[0100] As shown in Figure 3b and 3c , the first preset dividend interval, the second preset dividend interval, the third preset dividend interval and the fourth preset dividend interval are arranged in time sequence. Then, if the current trading day is in the fourth preset dividend interval, the first preset dividend interval, the second preset dividend interval and the third preset dividend interval are the previous dividend intervals of the current trading day, and the fourth preset dividend interval is the current dividend interval of the current trading day.

[0101] For the target dividend interval corresponding to the current trading day, it is assumed that the current trading day is any trading day in the fourth preset dividend interval before the third preset dividend day (including the third preset dividend day). As shown in Figure 3b , when entering the current trading day, the current trading day is represented by “”, the first preset dividend day and the second preset dividend day have passed, which means that the actual trading income distribution of the trading income of the first preset dividend interval and the second preset dividend interval has been performed, and the actual trading income distribution of the trading income of the third preset dividend interval and the fourth preset dividend interval has not been performed. Then, the target dividend interval can be the third preset dividend interval, so as to analyze the trading income of the specified dividend interval (that is, the third preset dividend interval) on the third preset dividend day in advance in the current trading day.

[0102] And it is assumed that the current trading day is any trading day in the fourth preset dividend interval after the third preset dividend day (not including the third preset dividend day). As shown in Figure 3cAs shown, upon entering the current trading day (denoted by "", the first, second, and third scheduled dividend payment dates have all passed. This means that actual trading profit distribution has already been executed for the trading profits of the first, second, and third scheduled dividend payment intervals, but not for the trading profits of the fourth scheduled dividend payment interval. Therefore, the target dividend payment interval can be the fourth scheduled dividend payment interval, allowing preparation for trading profit analysis for the designated dividend payment interval of the fourth scheduled dividend payment date (i.e., the fourth scheduled dividend payment interval) in advance on the current trading day.

[0103] After entering the current trading day, this application will first receive an asset return update request for the target project, and respond to the asset return update request to obtain the specific return values ​​that should be filled in the two fields of target dividend range return and undistributed accrued return corresponding to the current trading day, thereby creating an asset return record for the current trading day, so that the asset return record can at least include the target dividend range return and undistributed accrued return corresponding to the current trading day.

[0104] S230: If the current trading day is any preset dividend payment day, the target dividend payment interval income corresponding to the current trading day is used as the transaction income information of the specified dividend payment interval of the preset dividend payment day, and a dividend payment request is triggered to the trading platform to instruct the trading platform to execute the dividend payment operation corresponding to the current trading day.

[0105] If the current trading day is any of the pre-set dividend payment dates, this means that dividends are due to be paid to users on the current trading day. To eliminate the risk of pre-funding trading profit distribution, this application will first determine the designated dividend payment interval for the pre-set dividend payment date. This pre-set dividend payment date is after the end date of the designated dividend payment interval to ensure that interest payments have been made on all trading days in the designated dividend payment interval, eliminating the need for pre-funding when distributing trading profit.

[0106] The target dividend interval yield corresponding to the current trading day can represent the transaction yield generated by the target project in the specified dividend interval of the preset dividend date. Therefore, when the current trading day is any preset dividend date, the application can determine the target dividend interval yield corresponding to the current trading day and the undistributed accrual yield by analyzing the asset yield record under the current trading day. Then, the target dividend interval yield corresponding to the current trading day is taken as the transaction yield information of the specified dividend interval, and a dividend request is triggered to be sent to the corresponding transaction platform. The transaction platform can be a first transaction server that performs actual transaction yield allocation operations for users. The dividend request can include the transaction yield information of the specified dividend interval of the preset dividend date. Thus, after receiving the dividend request, the transaction platform can distribute the transaction yield information of the specified dividend interval of the preset dividend date to the user, and according to the actual distribution, an indication information indicating whether the current dividend is successful can be returned to realize the transaction yield allocation under the current trading day.

[0107] S240, updating the asset yield record after the dividend of the current trading day in response to the dividend success indication information returned by the transaction platform.

[0108] The asset yield record of each trading day will be affected by the change of the transaction asset of the previous trading day. After the transaction platform successfully completes the transaction yield allocation of the current trading day, a dividend success indication information is returned to indicate that the current dividend is successfully completed. When receiving the dividend success indication information returned by the transaction platform, in order to ensure the accuracy of the next transaction yield allocation, the application also needs to adjust the target dividend interval yield corresponding to the current trading day and the undistributed accrual yield according to the specific dividend situation under the current trading day, to update the asset yield record after the dividend of the current trading day, so as to ensure the accuracy of the asset yield record of the next trading day and improve the effectiveness of the next transaction yield allocation.

[0109] The technical scheme provided by the embodiments of the present application is configured with multiple dividend distribution days in advance for the transaction income distribution of any target project, and a continuous specified dividend distribution interval is configured for each pre-configured dividend distribution day. Moreover, each pre-configured dividend distribution day is after the dividend distribution end date of the specified dividend distribution interval of the pre-configured dividend distribution day and in the next pre-configured dividend distribution interval adjacent to the specified dividend distribution interval, and the dividend distribution end date of the specified dividend distribution interval and the dividend distribution start date of the next pre-configured dividend distribution interval are continuous trading days. Therefore, for any target project, the pre-configured dividend distribution day of the target and the specified dividend distribution interval pre-configured for each pre-configured dividend distribution day are obtained first. Then, in response to an asset income update request of the target project, an asset income record of the current trading day is created after entering each trading day, and the asset income record at least includes the target dividend distribution interval income corresponding to the current trading day and the unpaid income, the target dividend distribution interval being the first dividend distribution interval that has not been successfully distributed in the order arrangement of each pre-configured dividend distribution interval and the current dividend distribution interval of the current trading day. Therefore, when the current trading day is any pre-configured dividend distribution day, the target dividend distribution interval income corresponding to the current trading day can be used as the transaction income information of the specified dividend distribution interval of the pre-configured dividend distribution day, and a dividend distribution request is triggered to the trading platform to instruct the trading platform to perform the dividend distribution operation corresponding to the current trading day, and only the transaction income of the specified dividend distribution interval needs to be distributed in each pre-configured dividend distribution day. By configuring the pre-configured dividend distribution day after the dividend distribution end date of the specified dividend distribution interval, the delay of the transaction income distribution is avoided, the effectiveness of the transaction income distribution is ensured, the risk of the transaction income distribution is eliminated, and the timeliness of the transaction income distribution is improved. Moreover, in response to the dividend distribution success indication information returned by the trading platform, the asset income record after the dividend distribution of the current trading day is updated to ensure the accuracy of the transaction income distribution in the subsequent trading day.

[0110] In one embodiment, the transaction income information includes a total transaction income value of the specified dividend distribution interval of the pre-configured dividend distribution day and a specified transaction income value of each target client object of the target project; taking the target dividend distribution interval income corresponding to the current trading day as the transaction income information of the specified dividend distribution interval of the pre-configured dividend distribution day and triggering a dividend distribution request to the trading platform can specifically include: generating dividend distribution verification information according to the total transaction income in the transaction income information and the target project identifier of the target project; encrypting the object identifier corresponding to each target client object of the target project and the specified transaction income value of each target client object based on the dividend distribution verification information to obtain encryption information; obtaining time period information corresponding to the target dividend distribution interval, and generating a dividend distribution request according to the encryption information and the time period information, and sending the dividend distribution request to the trading platform.

[0111] Correspondingly, the transaction platform performs the dividend distribution operation corresponding to the current transaction day specifically includes: obtaining the time period information carried in the dividend distribution request, determining the candidate total income of each candidate project in the time interval corresponding to the time period information, for any candidate project, generating the candidate verification information corresponding to the candidate project according to the candidate project identifier and the candidate total income of the candidate project, and then using the candidate verification information to decrypt the encrypted information carried in the dividend distribution request to obtain the decrypted information, wherein the decrypted information includes the first decrypted information representing the object identifier of the client object and the second decrypted information representing the candidate transaction income value corresponding to each client object; matching the first decrypted information representing the object identifier of the client object and the candidate client object corresponding to the candidate project, if the matching is successful, determining that the candidate project is the target project, and determining the object identifier of the target client object according to the first decrypted information representing the candidate client object, and determining the specified transaction income value of the target client object according to the second decrypted information, and transferring the electronic resources corresponding to the specified transaction income value of the target client object from the project account indicated by the target project identifier to the client account indicated by the object identifier of the target client object according to the target project identifier of the target project, the object identifier of the target client object and the specified transaction income value of the target client object.

[0112] The dividend distribution verification information is generated by the transaction total income and the target project identifier to encrypt the object identifier and the specified transaction income value of each target client object under the target project, and when the transaction platform performs the dividend distribution operation, the encrypted information is decrypted by using the corresponding time period information and the project identifier to obtain the accurate target client object and its specified transaction income value, which ensures that the target client object and its specified transaction income value and other related information are not leaked, ensures the security of the information, and at the same time realizes the secondary verification of the target client object and its specified transaction income value for the dividend distribution operation, and ensures the accuracy thereof.

[0113] Furthermore, when there are multiple target customer objects under the target project, an encryption matrix can be randomly generated through a preset mapping function based on the dividend verification information and the number of target customer objects, wherein the encryption matrix can be expressed as R0, and the encryption matrix R0 includes n (n is greater than or equal to 1, and n is the number of target customer objects under the target project) random vectors with consistent row length, wherein the i-th row (i∈[1,n]) random vector is the first sub-verification information of the i-th target customer object, that is, the encryption key; based on the dividend verification information, the object identifier corresponding to each target customer object under the target project and the specified transaction income value of each target customer object are encrypted to obtain encrypted information, which can specifically include: for any first sub-verification information in the encryption matrix, the object identifier and the specified transaction income value of the target customer object corresponding to the first sub-verification information are respectively encrypting using the first sub-verification information to obtain first encrypted information including the object identifier of the target customer object and second encrypted information including the specified transaction income value corresponding to the target customer object.

[0114] Similarly, after obtaining the candidate verification information of each candidate project, the trading platform can randomly generate a decryption matrix based on the candidate verification information and the number of candidate customer objects through a preset mapping function, wherein the decryption matrix can be expressed as R1, and the encryption matrix R1 includes n (n is greater than or equal to 1, and n is the number of candidate customer objects under the candidate project) random vectors of consistent row length, wherein the random vector in the i-th row (i∈[1,n]) is the second sub-verification information corresponding to the i-th candidate customer object, that is, the decryption key. It can be understood that when the candidate verification information and the number of candidate customer objects are consistent with the dividend verification information and the number of target customer objects, the decryption matrix is ​​generated. The encryption matrix is ​​consistent with the encryption matrix; the step of decrypting the encrypted information carried in the dividend payment request using the candidate verification information to obtain the decrypted information may specifically include: decrypting the first encrypted information using the second sub-verification information for each second sub-verification information in the decryption matrix to obtain first decrypted information representing the object identifier of the customer object; matching the first decrypted information representing the object identifier of the customer object with the object identifier of the candidate customer object corresponding to the candidate project; if the match is successful, determining that the candidate project is the target project; and then decrypting the second encrypted information using the second sub-verification information to obtain second encrypted information representing the specified transaction income value of the target customer object. It can be understood that the encryption key (or decryption key) is generated by using the dual valid information of the dividend payment verification information (or candidate verification information) and the quantitative value of the target customer object (or candidate customer object), effectively improving the confidentiality of information related to the target customer object and its specified transaction income value. At the same time, only when both the candidate verification information and the quantitative value of the candidate customer object are correct can the valid information be correctly decrypted, thereby ensuring information security.

[0115] In the above embodiments, in the encryption process, the object identifier corresponding to each target client object and the specified transaction income value of each target client object are encrypted by generating an encryption matrix. In the decryption process, the encrypted information containing the object identifier corresponding to the target client object is first decrypted by a decryption matrix to obtain the object identifier corresponding to each candidate client object. When the object identifier corresponding to the candidate client object matches the object identifier of the candidate client object corresponding to the candidate project, the encrypted information containing the specified transaction income value of the target client object is decrypted. This greatly reduces the calculation amount of the decryption process, quickly locates the target project, and improves the efficiency of income distribution.

[0116] As an optional implementation in the present application, in order to ensure the accuracy of any target project in transaction income distribution, the present application can explain and describe the specific creation process and update process of asset income records on the current transaction day in detail.

[0117] Figure 4 The flowchart of another transaction income distribution method provided by the embodiment of the present application can specifically include the following steps:

[0118] S410, obtaining the preset dividend paying date of any target project and the specified dividend interval preset for each preset dividend paying date.

[0119] S420, in response to the asset income update request for the target project, determining the corresponding current transaction day new income according to the existing transaction assets of the last transaction day and the new transaction assets of the current transaction day.

[0120] In each transaction day, each transaction project after successful transaction in the current transaction day will generate new transaction income in the current transaction day. Therefore, when receiving the asset income update request for any target project, in order to accurately analyze the transaction income of the current transaction day, the present application first determines whether the current transaction day has new successful transaction of the target project, such as new subscription or redemption of the target project in the current transaction day. Then, according to the new target project after successful transaction in the current transaction day, the new transaction assets in the current transaction day are determined.

[0121] It can be understood that the new transaction assets in the current transaction day are positive or negative, for example, if a user subscribes a new target project in the current transaction day, the new transaction assets in the current transaction day are positive; if the user redeems a new target project in the current transaction day, the new transaction assets in the current transaction day are negative.

[0122] Further, the existing transaction assets of the previous trading day are analyzed, and the new transaction assets of the current trading day are combined to analyze the existing transaction assets of the current trading day, so as to calculate the transaction income newly generated in the current trading day as the corresponding current trading day new income.

[0123] S430, determining the target dividend interval income and the undistributed accrued income corresponding to the previous trading day from the latest asset income record of the previous trading day.

[0124] Since the transaction assets in the current trading day are affected by whether the transaction income distribution is performed in the previous trading day, the application further acquires the latest asset income record of the previous trading day after determining the corresponding current trading day accrued income. Then, by analyzing the latest asset income record of the previous trading day, the target dividend interval income and the undistributed accrued income corresponding to the previous trading day can be determined.

[0125] S440, taking the target dividend interval income corresponding to the previous trading day as the target dividend interval income corresponding to the current trading day, and taking the total income of the undistributed accrued income corresponding to the previous trading day and the current trading day accrued income as the undistributed accrued income corresponding to the current trading day, to create the asset income record of the current trading day.

[0126] Since the dividend interval income of each trading day is only updated when the dividend is distributed in the trading day or the trading day is the stop dividend day of a certain preset dividend interval, for the current trading day, the application can directly take the target dividend interval income corresponding to the previous trading day as the target dividend interval income corresponding to the current trading day when creating the asset income record of the current trading day, and then update it by judging whether the current trading day distributes dividend or whether the current trading day is the stop dividend day of a certain preset dividend interval.

[0127] Further, based on the undistributed accrued income corresponding to the previous trading day, the application can combine the transaction income newly generated in the current trading day, that is, the current trading day new income in the application, to calculate the total income between the undistributed accrued income corresponding to the previous trading day and the current trading day accrued income, and take the total income as the undistributed accrued income corresponding to the current trading day.

[0128] Further, the target dividend interval income and the undistributed accrued income corresponding to the current trading day can be used to create the asset income record of the current trading day.

[0129] In addition, in order to accurately analyze the specific period of transaction income distribution, the application can also configure an actual last dividend distribution date field in the asset income record of the current trading day, which can record the date of the last actual dividend distribution. Therefore, when creating the asset income record of the current trading day, the actual dividend distribution date in the latest asset income record of the previous trading day can be directly used as the corresponding actual last dividend distribution date of the current trading day to create the corresponding asset income record.

[0130] S450, if the current trading day is any preset dividend distribution date, the target dividend interval income corresponding to the current trading day is used as the transaction income information of the specified dividend distribution interval of the preset dividend distribution date, and a dividend distribution request is triggered to the transaction platform to instruct the transaction platform to perform the dividend distribution operation corresponding to the current trading day.

[0131] S460, in response to the dividend distribution success indication information returned by the transaction platform, the unpaid accrued income under the current trading day is updated to the income difference between the unpaid accrued income under the current trading day and the dividend interval income under the current trading day, and the dividend interval income under the current trading day is emptied.

[0132] After the transaction platform successfully completes the transaction dividend distribution under the current trading day, a dividend distribution success indication information is returned to indicate that the dividend distribution under the current trading day is successfully completed, which means that the unpaid accrued income under the current trading day will be reduced. Therefore, when receiving the dividend distribution success indication information returned by the transaction platform, the application can calculate the income difference between the initial unpaid accrued income under the current trading day and the target dividend interval income corresponding to the current trading day, and use the income difference as the latest unpaid accrued income under the current trading day to update the unpaid accrued income after the dividend distribution of the current trading day. Moreover, when the current trading day is any preset dividend distribution date and the dividend distribution is completed, it means that the transaction income of the specified dividend distribution interval has been distributed to the user in the current trading day. Therefore, the application can directly empty the target dividend interval income corresponding to the current trading day in order to update the target dividend interval income corresponding to the current trading day again in the nearest dividend distribution stop date.

[0133] In addition, when the asset income record of the current trading day also includes the actual last dividend distribution date corresponding to the current trading day, the application can also update the actual last dividend distribution date in the asset income record to the current trading day when updating the asset income record after the dividend distribution of the current trading day.

[0134] That is, since the transaction income of the specified dividend interval of the preset dividend date represented by the current transaction date is distributed to the user on the current transaction date, the transaction income of the specified dividend interval from the end of the dividend date to the current transaction date is not distributed. Therefore, the application can take the current transaction date as the last actual dividend date to accurately update the last actual dividend date in the asset income record of the current transaction date.

[0135] According to one or more embodiments of the application, in addition to the need to distribute the transaction income of the corresponding period to the user on the preset dividend date, if there is a demand for early interest settlement on a certain transaction date, the transaction income of the corresponding period will also be distributed to the user, such as Interest Paid Early (IPE) dividend. Therefore, in order to ensure the comprehensiveness of any target project in transaction income distribution, the application can also provide detailed explanations for other transaction income distribution situations in addition to transaction income distribution on the preset dividend date.

[0136] Figure 5 The flowchart of another transaction income distribution method provided by the embodiment of the application can specifically include the following steps:

[0137] S510, obtaining the preset dividend date of any target project and the specified dividend interval preset for each preset dividend date.

[0138] S520, in response to an asset income update request for a target project, creating an asset income record of the current transaction date, the asset income record at least including the target dividend interval income corresponding to the current transaction date and the un-distributed accrued income.

[0139] S530, if an early interest settlement instruction is detected on the current transaction date, the un-distributed accrued income corresponding to the current transaction date is taken as the corresponding transaction income information, and a dividend request is triggered to the transaction platform to instruct the transaction platform to perform the dividend operation corresponding to the current transaction date, and in response to the dividend success indication information returned by the transaction platform, the target dividend interval income and the un-distributed accrued income corresponding to the current transaction date are emptied.

[0140] When entering each transaction date, it is first determined whether the current transaction date is any preset dividend date or whether there is a demand for early interest settlement on the current transaction date, so as to determine whether the transaction income needs to be distributed to the user on the current transaction date. Among them, if the user exits the target project or uses the idle funds of the target project to invest in other target products on the current transaction date, early interest settlement of the target project needs to be performed on the current transaction date to generate the corresponding early interest settlement instruction.

[0141] If the early dividend instruction is detected in the current trading day, it indicates that all the transaction income of the target item that has not been distributed to the user needs to be distributed to the user in the current trading day. Therefore, the application can directly parse the asset income record of the current trading day to determine the target dividend interval income corresponding to the current trading day and the undistributed accrued income. The undistributed accrued income can represent all the transaction income that has not been distributed to the user before the current trading day.

[0142] Therefore, when the early dividend instruction is detected in the current trading day, the application can directly take the undistributed accrued income corresponding to the current trading day as the corresponding transaction income information, and trigger the generation of a dividend request and send it to the corresponding transaction platform. Therefore, after receiving the dividend request, the transaction platform can distribute the transaction income information represented by the undistributed accrued income corresponding to the current trading day to the user, and according to the actual distribution situation, it can return an indication information whether the current dividend is successful, so as to realize the distribution of the transaction income in the current trading day.

[0143] After the transaction platform successfully completes the distribution of the transaction income in the current trading day, it returns a dividend success indication information to indicate that the current dividend is successfully completed. Since all the transaction income that has not been distributed to the user has been distributed to the user in the current trading day, when receiving the dividend success indication information returned by the transaction platform, in order to ensure the accuracy of the subsequent distribution of the transaction income, the application can directly clear the target dividend interval income and the undistributed accrued income corresponding to the current trading day to update the asset income record of the current trading day.

[0144] In addition, when the asset income record of the current trading day also includes the last actual dividend day corresponding to the current trading day, the application can update the last actual dividend day in the asset income record to the current trading day when updating the asset income record after the dividend of the current trading day.

[0145] That is, since the undistributed accrued income corresponding to the current trading day is distributed to the user as the corresponding transaction income information, that is, all the transaction income that has not been distributed to the user before the current trading day is distributed to the user. Therefore, the application can take the current trading day as the last actual dividend day to accurately update the last actual dividend day in the asset income record of the current trading day.

[0146] S540, if the current trading day is any pre-set dividend day, the target dividend interval yield corresponding to the current trading day is taken as the trading yield information of the specified dividend interval of the pre-set dividend day, and a dividend request is triggered to the trading platform to instruct the trading platform to perform the dividend operation corresponding to the current trading day, and in response to the dividend success indication information returned by the trading platform, the un-issued accrued yield corresponding to the current trading day is updated to the yield difference between the un-issued accrued yield corresponding to the current trading day and the target dividend interval yield corresponding to the current trading day, and the dividend interval yield under the current trading day is cleared.

[0147] S550, if the current trading day is the end date of any pre-set dividend interval, the target dividend interval yield corresponding to the current trading day is updated to the un-issued accrued yield corresponding to the current trading day to update the asset yield record of the current trading day.

[0148] Whether the current trading day is dividend or not, the current trading day may also be the end date of a pre-set dividend interval, and the target dividend interval yield in the asset yield record of the current trading day needs to be further updated. When the early maturity instruction is detected in the current trading day, after the dividend, the target dividend interval yield and the un-issued accrued yield corresponding to the current trading day are cleared. Therefore, even if the current trading day is the end date of a pre-set dividend interval, the target dividend interval yield and the un-issued accrued yield corresponding to the current trading day are in the cleared state, and there is no need to repeatedly update the target dividend interval yield corresponding to the current trading day.

[0149] When the current trading day is any pre-set dividend day, after the dividend, only the target dividend interval yield corresponding to the current trading day is cleared, and the un-issued accrued yield corresponding to the current trading day is updated to the yield difference between the initial un-issued accrued yield and the target dividend interval yield. Therefore, when the current trading day is the end date of a pre-set dividend interval, the un-issued accrued yield updated after the dividend of the current trading day is taken as the latest target dividend interval yield, and the target dividend interval yield corresponding to the current trading day needs to be updated again.

[0150] When the current trading day neither detects the early maturity instruction nor is any pre-set dividend day, that is, no dividend is issued, if the current trading day is the end date of a pre-set dividend interval, the un-issued accrued yield updated after the dividend of the current trading day is taken as the latest target dividend interval yield to update the target dividend interval yield corresponding to the current trading day.

[0151] In summary, in the two cases that no dividend is distributed in the current trading day and the current trading day is a preset dividend distribution day and dividend distribution is performed, it is further determined whether the current trading day is a dividend distribution end day of a preset dividend distribution interval. When the current trading day is a dividend distribution end day of a preset dividend distribution interval, the latest undistributed accrued income corresponding to the current trading day is taken as the target dividend distribution interval income corresponding to the current trading day, to update the target dividend distribution interval income corresponding to the current trading day.

[0152] It should be understood that S550 can be executed after S520 and S540.

[0153] The technical scheme provided by the embodiment of the application is used for distributing transaction income of any target project. The application preconfigures multiple dividend distribution days and configures a continuous specified dividend distribution interval for each preset dividend distribution day. Moreover, after each preset dividend distribution day, the dividend distribution end day of the specified dividend distribution interval and the dividend distribution start day of the next preset dividend distribution interval are continuous trading days. Therefore, for any target project, the preset dividend distribution days and the specified dividend distribution interval of each preset dividend distribution day are obtained first. Then, after entering each trading day, in response to an asset income update request of the target project, an asset income record of the current trading day is created, which at least includes the target dividend distribution interval income corresponding to the current trading day and the undistributed accrued income. The target dividend distribution interval is the first dividend distribution interval that has not been successfully distributed after the target dividend distribution interval and the current dividend distribution interval are arranged in time sequence. Therefore, when the current trading day is any preset dividend distribution day, the target dividend distribution interval income corresponding to the current trading day is taken as the transaction income information of the specified dividend distribution interval of the preset dividend distribution day, and a dividend distribution request is triggered to the transaction platform to instruct the transaction platform to perform the dividend distribution operation corresponding to the current trading day. In this way, only the transaction income of the specified dividend distribution interval needs to be distributed in each preset dividend distribution day, the delay of transaction income distribution is avoided, the effectiveness of transaction income distribution is ensured, the risk of transaction income distribution is eliminated, and the timeliness of transaction income distribution is improved. Moreover, in response to the dividend distribution success indication information returned by the transaction platform, the asset income record after dividend distribution of the current trading day is updated, to ensure the accuracy of transaction income distribution in the subsequent trading day.

[0154] Figure 6 A principle block diagram of a transaction income distribution device provided by the embodiment of the application is shown in FIG. 6. Figure 6 As shown in FIG. 6, the device 600 can include:

[0155] The dividend information acquisition module 610 is configured to acquire preset dividend dates of any target project and a specified dividend interval preset for each of the preset dividend dates; wherein each of the preset dividend dates is after an interest stop date of the specified dividend interval of the preset dividend date and in a subsequent preset dividend interval adjacent to the specified dividend interval, and the interest stop date of the specified dividend interval and an interest start date of the subsequent preset dividend interval are consecutive trading dates;

[0156] The asset income determination module 620 is configured to, in response to an asset income update request for the target project, create an asset income record of a current trading date, the asset income record including at least a target dividend interval income corresponding to the current trading date and un-distributed accrued income, the target dividend interval being a first dividend interval that has not been successfully distributed in a sequence arrangement of each of the preceding dividend intervals and the current dividend interval of the current trading date;

[0157] The first dividend distribution module 630 is configured to, if the current trading date is any of the preset dividend dates, take the target dividend interval income corresponding to the current trading date as transaction income information of the specified dividend interval of the preset dividend date, and trigger a dividend distribution request to a transaction platform to instruct the transaction platform to perform a dividend distribution operation corresponding to the current trading date;

[0158] The asset income update module 640 is configured to, in response to dividend distribution success indication information returned by the transaction platform, update the asset income record after the dividend distribution of the current trading date.

[0159] In some implementable manners, the asset income determination module 620 can be specifically configured to:

[0160] determine a corresponding current trading day new income according to existing transaction assets of a previous trading day and new transaction assets of the current trading day;

[0161] determine a target dividend interval income corresponding to the previous trading day and un-distributed accrued income corresponding to the previous trading day from a latest asset income record of the previous trading day;

[0162] take the target dividend interval income corresponding to the previous trading day as the target dividend interval income corresponding to the current trading day, and take a total income of the un-distributed accrued income corresponding to the previous trading day and the current trading day accrued income as the un-distributed accrued income corresponding to the current trading day, to create the asset income record of the current trading date.

[0163] In some implementable manners, the asset income update module 640 can be specifically configured to:

[0164] updating the undistributed accrued income corresponding to the current trading day as a difference between the undistributed accrued income corresponding to the current trading day and the target dividend interval income corresponding to the current trading day;

[0165] emptying the target dividend interval income corresponding to the current trading day.

[0166] In some implementable manners, the asset income record further comprises a last actual dividend date corresponding to the current trading day. The asset income updating module 640 can be further specifically used for:

[0167] updating the last actual dividend date in the asset income record as the current trading day.

[0168] In some implementable manners, the transaction income distribution apparatus 600 can further comprise a second dividend module. The second dividend module can be used for:

[0169] if the early dividend instruction is detected in the current trading day, taking the undistributed accrued income corresponding to the current trading day as the corresponding transaction income information, and triggering a dividend request to the transaction platform to instruct the transaction platform to perform the dividend operation corresponding to the current trading day.

[0170] In some implementable manners, the asset income updating module 640 can be further specifically used for:

[0171] emptying the target dividend interval income corresponding to the current trading day and the undistributed accrued income corresponding to the current trading day;

[0172] updating the last actual dividend date in the asset income record as the current trading day.

[0173] In some implementable manners, the asset income updating module 640 can be further specifically used for:

[0174] if the current trading day is the end date of any preset dividend interval, updating the target dividend interval income corresponding to the current trading day as the undistributed accrued income corresponding to the current trading day to update the asset income record of the current trading day.

[0175] In the embodiment of the present application, for the transaction income distribution of any target item, the present application can pre-configure a plurality of dividend distribution days, and configure a continuous specified dividend distribution interval for each pre-configured dividend distribution day. Moreover, each pre-configured dividend distribution day is after the dividend distribution end date of the specified dividend distribution interval of the pre-configured dividend distribution day and in the adjacent next pre-configured dividend distribution interval of the specified dividend distribution interval, and the dividend distribution end date of the specified dividend distribution interval and the dividend distribution start date of the next pre-configured dividend distribution interval are continuous transaction days. Then, for any target item, the pre-configured dividend distribution day of the target item and the pre-configured specified dividend distribution interval for each pre-configured dividend distribution day are obtained first. Then, after entering each transaction day, in response to the asset income update request of the target item, the asset income record of the current transaction day is created, which at least includes the target dividend distribution interval income corresponding to the current transaction day and the unpaid accrued income, the target dividend distribution interval being the first dividend distribution interval that has not been successfully distributed in the order arranged target dividend distribution interval and the current dividend distribution interval of the pre-configured dividend distribution interval of the current transaction day. Then, when the current transaction day is any pre-configured dividend distribution day, the target dividend distribution interval income corresponding to the current transaction day can be taken as the transaction income information of the specified dividend distribution interval of the pre-configured dividend distribution day, and a dividend distribution request is triggered to the transaction platform to instruct the transaction platform to perform the dividend distribution operation corresponding to the current transaction day, and only the transaction income of the specified dividend distribution interval needs to be distributed on each pre-configured dividend distribution day. Through the pre-configured pre-configured dividend distribution day and the specified dividend distribution interval corresponding to the pre-configured dividend distribution day, the transaction income distribution of zero is realized, and the pre-configured dividend distribution day is configured after the dividend distribution end date of the specified dividend distribution interval to avoid the delay of the transaction income distribution, ensure the effectiveness of the transaction income distribution, eliminate the risk of transaction income distribution, and improve the timeliness of the transaction income distribution. Moreover, in response to the dividend distribution success indication information returned by the transaction platform, the asset income record after the dividend distribution of the current transaction day is updated to ensure the accuracy of the transaction income distribution in the subsequent transaction day.

[0176] It should be understood that the device embodiments configured on the transaction service side and the method embodiments applied to the transaction service side can correspond to each other, and similar descriptions can be referred to the method embodiments. To avoid repetition, it will not be described here. Specifically, Figure 6 The device 600 shown can perform any method embodiment applied to the transaction service side provided by the present application, and the foregoing and other operations and / or functions of each module in the device 600 are respectively for realizing the corresponding processes in each method applied to the transaction service side in the embodiment of the present application. To be brief, it will not be described here.

[0177] The apparatus 600 of the embodiments of the present application is described above from the perspective of functional modules in combination with the drawings. It should be understood that the functional modules can be implemented in the form of hardware, or in the form of instructions of software, or in the form of a combination of hardware and software modules. Specifically, each step of the method embodiments applied to the transaction server in the embodiments of the present application can be completed by integrated logic circuits of hardware in the processor and / or instructions of software. The steps of the method applied to the transaction server in the embodiments of the present application can be directly embodied as hardware code processing performed and completed by the processor, or can be executed by a combination of hardware and software modules in the processor. Alternatively, the software module can be located in a mature storage medium in the art, such as a random access memory, a flash memory, a read-only memory, a programmable read-only memory, an electrically erasable programmable memory, a register, etc. The storage medium is located in the memory, and the processor reads the information in the memory and combines the hardware to complete the steps in the above method embodiments.

[0178] Figure 7 An exemplary block diagram of an electronic device provided in the embodiments of the present application.

[0179] As shown in Figure 7 , the electronic device 700 can include:

[0180] The memory 710 is configured to store a computer program and transmit the program code to the processor 720. In other words, the processor 720 can call and run the computer program from the memory 710 to implement the method in the embodiments of the present application.

[0181] For example, the processor 720 can be configured to execute the above method embodiments according to the instructions in the computer program.

[0182] In some embodiments of the present application, the processor 720 can include but is not limited to:

[0183] A general processor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic device, a discrete gate or transistor logic device, a discrete hardware component, etc.

[0184] In some embodiments of the present application, the memory 710 includes but is not limited to:

[0185] The non-volatile memory can be a Read-Only Memory (ROM), a Programmable ROM (PROM), an Erasable PROM (EPROM), an Electrically EPROM (EEPROM), or a flash memory. The volatile memory can be a Random Access Memory (RAM) used as an external cache. By way of example, and not limitation, many forms of RAM are available, such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDR SDRAM), Enhanced SDRAM (ESDRAM), Synchlink DRAM (SLDRAM), and Direct Rambus RAM (DR RAM).

[0186] In some embodiments of the present application, the computer program can be divided into one or more modules, which are stored in the memory 710 and executed by the processor 720 to complete the method provided by the present application. The one or more modules can be a series of computer program instruction segments capable of completing a specific function, which are used to describe the execution process of the computer program in the electronic device.

[0187] As shown in Figure 7 The electronic device can further include:

[0188] The transceiver 730 can be connected to the processor 720 or the memory 710.

[0189] The processor 720 can control the transceiver 730 to communicate with other devices, specifically, can send information or data to other devices, or receive information or data sent by other devices. The transceiver 730 can include a transmitter and a receiver. The transceiver 730 can further include an antenna, and the number of antennas can be one or more.

[0190] It should be understood that the various components within the electronic device are connected by a bus system, which includes, in addition to a data bus, a power bus, a control bus, and a state signal bus.

[0191] The embodiment of the present application further provides a computer storage medium, which has a computer program stored thereon, and the computer program enables a computer to execute the method of the method embodiment when the computer program is executed by the computer. Alternatively, the embodiment of the present application further provides a computer program product comprising instructions, and the instructions enable a computer to execute the method of the method embodiment when the instructions are executed by the computer.

[0192] When implemented by using software, the computer program product can be implemented in a form of a computer program product entirely or partially. The computer program product comprises one or more computer instructions. When the computer program instructions are loaded and executed by a computer, the computer program instructions entirely or partially generate the flow or function according to the embodiment of the present application. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable devices. The computer instructions can be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another computer-readable storage medium, for example, the computer instructions can be transmitted from one website, computer, server or data center to another website, computer, server or data center through a wired (for example, coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (for example, infrared, wireless, microwave, etc.) manner. The computer-readable storage medium can be any available medium accessible by a computer or a data storage device such as a server, data center, etc. integrated with one or more available media. The available medium can be a magnetic medium (for example, floppy disk, hard disk, magnetic tape), an optical medium (for example, digital video disc (DVD)), or a semiconductor medium (for example, solid state disk (SSD)), etc.

[0193] Those skilled in the art can realize that the modules and algorithm steps of the examples described in conjunction with the embodiments applied herein can be realized by electronic hardware or a combination of computer software and electronic hardware. Whether the functions are realized by hardware or software depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to realize the described functions for each specific application, but such implementation should not be considered beyond the scope of the present application.

[0194] In several embodiments provided in the present application, it should be understood that the disclosed system, device and method can be implemented in other manners. For example, the division of the above-described device embodiment is merely an example, and there can be other division manners. For example, multiple modules or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the coupling or direct coupling or communication connection between the modules shown or discussed can be indirect coupling or communication connection through some interface, device or module, and can be electrical, mechanical or in other forms.

[0195] The modules explained as separated components can or can not be physically separated, and the components shown as modules can or can not be physical modules, i.e., can be located in one place, or can be distributed on multiple network units. Part or all of the modules can be selected according to actual needs to achieve the purpose of the embodiments. For example, the functional modules in the embodiments of the present application can be integrated in one processing module, or can be physically separated, or two or more modules can be integrated in one module.

[0196] The above is merely specific embodiments of the present application, and the protection scope of the present application is not limited thereto, and any person skilled in the art can easily think of changes or replacements within the technical scope disclosed in the present application, which should be covered in the protection scope of the present application. Therefore, the protection scope of the present application should be subject to the protection scope of the claims.

Claims

1. A transaction income distribution method, characterized in that: include: Obtain the preset dividend payment dates for any underlying project and the designated dividend payment range preset for each such preset dividend payment date; wherein each preset dividend payment date is after the end date of the designated dividend payment range for that preset dividend payment date and falls within the next preset dividend payment range immediately preceding the designated dividend payment range, and the end date of the designated dividend payment range and the value date of the next preset dividend payment range are consecutive trading days; In response to an asset return update request for the target project, creating an asset return record for the current trading day, the asset return record including at least a target dividend payout interval return and undistributed accrued returns corresponding to the current trading day, the target dividend payout interval being the first dividend payout interval for which dividends have not yet been successfully paid, following the chronological order of the previous dividend payout intervals and the current dividend payout interval for the current trading day; If the current trading day is any of the preset dividend payment days, the target dividend payment interval income corresponding to the current trading day is used as the transaction income information of the designated dividend payment interval of the preset dividend payment day, and a dividend payment request is triggered to the trading platform to instruct the trading platform to execute the dividend payment operation corresponding to the current trading day; In response to the dividend payment success indication information returned by the trading platform, the asset income record after the dividend payment on the current trading day is updated.

2. The method according to claim 1, characterized in that The creation of asset income records for the current trading day includes: Determine the corresponding new income for the current trading day based on the existing trading assets of the previous trading day and the new trading assets of the current trading day; Determining the target dividend payout range and undistributed accrued earnings corresponding to the previous trading day from the latest asset return record for the previous trading day; The target dividend interval income corresponding to the previous trading day is used as the target dividend interval income corresponding to the current trading day, and the total income of the undistributed accrued income corresponding to the previous trading day and the accrued income of the current trading day is used as the undistributed accrued income corresponding to the current trading day to create the asset income record of the current trading day.

3. The method according to claim 1, characterized in that The updating of the asset income record after the dividend payment on the current trading day includes: The undistributed accrued income corresponding to the current trading day is updated to the difference between the undistributed accrued income corresponding to the current trading day and the target dividend range income corresponding to the current trading day; Clear the target dividend payout range income corresponding to the current trading day.

4. The method according to claim 1, wherein The asset income record also includes the last actual dividend payment date corresponding to the current trading day, and the asset income record after the dividend payment on the current trading day is updated also includes: The last actual dividend payment date in the asset income record is updated to the current trading day.

5. The method according to claim 1, wherein The method further comprises: If an early interest payment instruction is detected on the current trading day, the undistributed accrued income corresponding to the current trading day will be used as the corresponding trading income information, and a dividend payment request will be triggered to the trading platform to instruct the trading platform to execute the dividend payment operation corresponding to the current trading day.

6. The method according to claim 5, characterized in that The updating of the asset income record after the dividend payment on the current trading day also includes: Clear the target dividend range income and undistributed accrued income corresponding to the current trading day.

7. The method according to claim 1, characterized in that The method further comprises: If the current trading day is the end date of any preset dividend interval, the target dividend interval income corresponding to the current trading day is updated to the undistributed accrued income corresponding to the current trading day to update the asset income record of the current trading day.

8. A transaction profit distribution device, characterized in that: include: A dividend information acquisition module, configured to acquire the preset dividend payment dates for any underlying project and the designated dividend payment interval preset for each such preset dividend payment date; wherein each preset dividend payment date is after the end date of the designated dividend payment interval for that preset dividend payment date and falls within the next preset dividend payment interval immediately preceding the designated dividend payment interval, and the end date of the designated dividend payment interval and the value date of the next preset dividend payment interval are consecutive trading days; an asset return determination module, configured to, in response to an asset return update request for the target project, create an asset return record for the current trading day, the asset return record including at least a target dividend payout interval return and undistributed accrued returns corresponding to the current trading day, the target dividend payout interval being the first dividend payout interval for which dividends have not yet been successfully paid, after chronologically arranging the previous dividend payout intervals and the current dividend payout interval for the current trading day; A first dividend payment module is configured to, if the current trading day is any of the preset dividend payment days, use the target dividend payment interval income corresponding to the current trading day as the transaction income information of the specified dividend payment interval of the preset dividend payment day, and trigger a dividend payment request to the trading platform to instruct the trading platform to execute the dividend payment operation corresponding to the current trading day; The asset income updating module is used to update the asset income record after the dividend is paid on the current trading day in response to the dividend payment success indication information returned by the trading platform.

9. An electronic device, characterized in that: include: A processor and a memory, the memory being used to store a computer program, and the processor being used to call and run the computer program stored in the memory to execute the transaction profit distribution method according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that Used to store a computer program, wherein the computer program enables a computer to execute the transaction profit distribution method according to any one of claims 1 to 7.

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