Investment transaction method and device, equipment, storage medium and product

Abstract

The invention discloses an investment transaction method and device, equipment, a storage medium and a product, and relates to the technical field of computers, and the method comprises the steps: responding to different types of target wealth investment demands, and creating different types of target wealth investment special households corresponding to the different types of target wealth investment demands; when a target wealth investment strategy is received, the target wealth investment strategy is analyzed, and the target wealth investment special account is controlled to execute an investment instruction corresponding to the target wealth investment strategy; determining a corresponding target fund special account according to the target wealth investment special account; and when a fund transaction signal is received, controlling the target fund special account to perform fund transaction according to the fund accounting condition of the target wealth investment special account. According to the method, different types of investment specialized households are created for different types of target wealth investment requirements, refined investment of the target wealth is realized based on application of the investment specialized households and fund specialized households, and the investment efficiency is improved.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to investment transaction methods, devices, equipment, storage media and products. Background Art

[0002] With the rapid development of wealth business and the increasing awareness of wealth planning among more and more high-net-worth clients, clients are no longer satisfied with single fund management for wealth management, but set different asset management methods and strategies for different wealth goals, such as children's education funds, pension funds, etc.

[0003] Since most current investment systems use current accounts as customer investment accounts, they can provide flexible cash usage services (including investment, consumption, transfers, etc.), but cannot effectively isolate and manage funds and assets for different wealth goals, and cannot meet customers' needs for independent management and performance measurement of different wealth goals. At the same time, the single account model makes the independent accounting of investment performance complicated, which is not conducive to customers' comprehensive understanding and evaluation of the realization of each type of wealth goal, reduces the sophistication of customers' investment transactions, and thus leads to low efficiency of customers' investment transactions.

[0004] The above contents are only used to assist in understanding the technical solution of the present application and do not constitute an admission that the above contents are prior art. Summary of the invention

[0005] The main purpose of this application is to provide an investment transaction method, device, equipment, storage medium and product, aiming to solve the technical problem of low efficiency of investment transactions.

[0006] To achieve the above objectives, the present application proposes an investment transaction method, wherein the method comprises:

[0007] In response to different types of target wealth investment demands, creating target wealth investment special accounts corresponding to different types of target wealth investment demands;

[0008] When receiving the target wealth investment strategy, analyzing the target wealth investment strategy, and controlling the target wealth investment account to execute the investment instructions corresponding to the target wealth investment strategy;

[0009] Determine the corresponding target fund account according to the target wealth investment account;

[0010] When a fund transaction signal is received, the target fund account is controlled to conduct fund transactions according to the fund accounting status of the target wealth investment account.

[0011] In one embodiment, the step of creating a corresponding target fund special account according to the target wealth investment special account includes:

[0012] Create a secondary investment account of the target wealth investment account according to the preset fund type;

[0013] According to the preset special account correspondence rules, the target fund special account corresponding to the secondary investment special account is determined.

[0014] In one embodiment, after the step of analyzing the target wealth investment strategy upon receiving the target wealth investment strategy and controlling the target wealth investment account to execute the investment instruction corresponding to the target wealth investment strategy, the step includes:

[0015] When asset change information is received, the asset change information is analyzed to determine the target wealth investment account to which the asset change belongs;

[0016] Update the corresponding asset holding information of the target wealth investment account.

[0017] In one embodiment, when the fund transaction signal is received, the step of controlling the target fund account to perform fund transaction according to the fund accounting status of the target wealth investment account includes:

[0018] When receiving the income calculation instruction, obtaining the expected income and investment funds of various types of assets of the target wealth investment account of various types;

[0019] The expected returns of various types of assets and the invested funds are input into a preset calculation formula to calculate the expected returns and expected yields of each type of target wealth investment account, wherein the calculation formula includes:

[0020] Expected return on holdings of investment accounts = ∑ expected return on various assets,

[0021] The expected rate of return of holdings in the investment account = ∑ expected return of various assets / capital invested in the investment account*100%.

[0022] In one embodiment, when a fund transaction signal is received, the step of controlling the target fund account to perform fund transactions according to the fund accounting status of the target wealth investment account includes:

[0023] When a fund transaction signal is received, the balance of the target wealth investment account is checked and frozen, and a fund transaction instruction is generated;

[0024] Based on the fund transaction instruction, the target fund account is controlled to perform corresponding fund settlement transactions.

[0025] In one embodiment, when receiving the target wealth investment strategy, analyzing the target wealth investment strategy and controlling the target wealth investment account to execute the investment instruction corresponding to the target wealth investment strategy comprises:

[0026] Obtain historical investment trend information;

[0027] Analyze the historical investment tendency information to obtain different types of wealth investment tendency information;

[0028] The different types of wealth investment tendency information are similarly matched with different types of target wealth investment accounts to generate a target wealth investment strategy.

[0029] In addition, to achieve the above-mentioned purpose, the present application also proposes an investment transaction device, which includes:

[0030] A creation module, for creating target wealth investment special accounts corresponding to different types of target wealth investment needs in response to different types of target wealth investment needs;

[0031] An analysis module, for analyzing the target wealth investment strategy upon receiving the target wealth investment strategy, and controlling the target wealth investment account to execute the investment instruction corresponding to the target wealth investment strategy;

[0032] A determination module, used to determine a corresponding target fund account according to the target wealth investment account;

[0033] The control module is used to control the target fund account to conduct fund transactions according to the fund accounting status of the target wealth investment account when a fund transaction signal is received.

[0034] In addition, to achieve the above-mentioned purpose, the present application also proposes an investment trading device, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the investment trading method described above.

[0035] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the investment trading method described above are implemented.

[0036] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the steps of the investment transaction method described above.

[0037] One or more technical solutions proposed in this application have at least the following technical effects:

[0038] Compared with the related art that uses current accounts as customer investment accounts, this application uses investment accounts and capital accounts to effectively isolate and manage the funds and assets of customers with different wealth goals. It is understandable that this application uses different types of investment accounts to create different types of target wealth investment needs. When the target wealth investment strategy is received, the target wealth investment account is controlled to execute the investment instructions corresponding to the target wealth investment strategy to achieve refined investment. When a capital transaction signal is received, the target capital account is controlled to conduct capital transactions based on the capital accounting of the target wealth investment account, thereby achieving isolated management of target wealth. Therefore, based on the application of investment accounts and capital accounts, refined investment and isolated management of target wealth can be achieved, thereby improving the precision of customer investment transactions and ultimately improving customer investment efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0040] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0041] Figure 1 A flowchart of the first embodiment of the investment transaction method of the present application is provided;

[0042] Figure 2 A schematic diagram of the special account relationship structure provided for the first embodiment of the investment transaction method of this application;

[0043] Figure 3 A schematic diagram of a position structure provided for the first embodiment of the investment and trading method of this application;

[0044] Figure 4 This is a schematic diagram of the module structure of the investment transaction device according to an embodiment of the present application;

[0045] Figure 5 This is a schematic diagram of the device structure of the hardware operating environment involved in the investment transaction method in the embodiment of the present application.

[0046] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0047] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0048] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0049] The main solutions of the embodiments of this application are:

[0050] In response to different types of target wealth investment demands, creating target wealth investment special accounts corresponding to different types of target wealth investment demands;

[0051] When receiving the target wealth investment strategy, analyzing the target wealth investment strategy, and controlling the target wealth investment account to execute the investment instructions corresponding to the target wealth investment strategy;

[0052] Determine the corresponding target fund account according to the target wealth investment account;

[0053] When a fund transaction signal is received, the target fund account is controlled to conduct fund transactions according to the fund accounting status of the target wealth investment account.

[0054] In this embodiment, the present application uses the investment transaction device as the execution subject. For the convenience of description, it is specifically described below as "device".

[0055] Since existing technologies use current accounts as customer investment accounts, they can provide flexible cash usage services (including investment, consumption, transfers, etc.), but they cannot effectively isolate and manage funds and assets for different wealth goals, and cannot meet customers' needs for independent management and performance measurement of different wealth goals.

[0056] This application provides a solution to effectively isolate and manage the funds and assets of different wealth targets of customers through investment accounts and capital accounts. It is understandable that this application adopts the creation of different types of investment accounts for different types of target wealth investment needs. When the target wealth investment strategy is received, the target wealth investment account is controlled to execute the investment instructions corresponding to the target wealth investment strategy to achieve refined investment. When a capital transaction signal is received, the target capital account is controlled to conduct capital transactions according to the capital accounting of the target wealth investment account, so as to achieve isolated management of target wealth. Therefore, based on the application of investment accounts and capital accounts, refined investment and isolated management of target wealth can be achieved, thereby improving the precision of customer investment transactions and ultimately improving customer investment efficiency.

[0057] Based on this, the present application embodiment provides an investment transaction method, referring to Figure 1 , Figure 1This is a flow chart of the first embodiment of the investment transaction method of the present application.

[0058] In this embodiment, the investment transaction method includes steps S10 to S40:

[0059] Step S10, in response to different types of target wealth investment demands, creating target wealth investment special accounts corresponding to different types of target wealth investment demands;

[0060] It should be noted that the target wealth investment needs refer to the different investment goals set by customers based on their own wealth planning, such as children's education, retirement, wealth reinvestment, etc. These needs reflect the specific expectations and goals of customers for wealth management and are the basis for creating target wealth investment accounts. The target wealth investment accounts are special accounts created to meet different target wealth investment needs. These special accounts are used to isolate and manage funds and assets for specific investment goals to achieve refined management and measure whether the investment strategy has achieved the corresponding investment performance.

[0061] Step S20, when receiving the target wealth investment strategy, analyzing the target wealth investment strategy, and controlling the target wealth investment account to execute the investment instruction corresponding to the target wealth investment strategy;

[0062] It should be noted that the target wealth investment strategy refers to a series of investment decisions and action plans formulated for specific target wealth investment needs. These strategies include investment goals and investment methods, which are used to guide the investment behavior of the target wealth investment account. The investment instructions are specific operation commands derived from the analysis of the target wealth investment strategy, which are used to control the target wealth investment account to perform corresponding investment operations, such as buying, selling, holding, etc.

[0063] Step S30, determining a corresponding target capital account according to the target wealth investment account;

[0064] It should be noted that the target fund special account is an account corresponding to the target wealth investment special account, which is used to store and manage the funds required for a specific target wealth investment strategy. These special accounts ensure the specificity and isolation of funds to support the implementation of the target wealth investment strategy.

[0065] Step S40, when a fund transaction signal is received, the target fund account is controlled to conduct fund transactions according to the fund accounting status of the target wealth investment account.

[0066] It should be noted that the fund transaction signal refers to the instruction or information that triggers the fund transaction, and is the basis for controlling the target fund account to conduct fund transactions. The fund accounting situation refers to the record of freezing the balance during the transaction in the target wealth investment account.

[0067] For example, in combination Figure 2 , Figure 2 A method for interaction between an investment trading system and a fund system is described for managing the multi-objective wealth investment needs of a client. In this embodiment, a client has multiple special accounts in the investment trading system, each of which corresponds to a different investment objective, such as retirement investment, children's education investment, and reinvestment. In the investment trading system, multiple target wealth investment special accounts are created for the client, including retirement investment special accounts, children's education investment special accounts, and reinvestment special accounts. These special accounts are used to isolate and manage funds and assets for specific investment objectives.

[0068] Each target wealth investment account has a corresponding fund account in the fund system. For example, the retirement investment account is linked to a RMB account, a GBP account, and a USD account. Similarly, the children's education investment account and the reinvestment account are also linked to their own RMB, GBP, and USD accounts.

[0069] When the investment trading system receives target wealth investment strategies, the system will analyze these strategies and control the corresponding target wealth investment accounts to execute the corresponding investment instructions. For example, if the pension investment account receives an instruction to invest in a pension fund, the system will control the associated RMB account to transfer funds.

[0070] When receiving a fund transaction signal, the fund system will control the corresponding fund account to conduct fund transactions based on the fund accounting status of the target wealth investment account. For example, if the children's education investment account needs to pay education expenses, the fund system will automatically transfer funds from the associated US dollar account.

[0071] The system regularly monitors the investment performance of each target wealth investment account and adjusts the investment strategy based on market changes and customer feedback. For example, if the investment return of the reinvestment account does not meet expectations, the system will recommend that the customer adjust the investment portfolio or change investment products.

[0072] This embodiment provides an investment transaction method to help clients achieve refined management of different target wealth and execution of investment strategies, ensuring that the investment funds and assets of each type of target wealth are properly isolated and managed.

[0073] This embodiment provides an investment and transaction method, which creates different types of investment accounts for different types of target wealth investment needs. When a target wealth investment strategy is received, the target wealth investment account is controlled to execute the investment instructions corresponding to the target wealth investment strategy to achieve refined investment. When a capital transaction signal is received, the target capital account is controlled to conduct capital transactions based on the capital accounting status of the target wealth investment account, so as to achieve isolated management of the target wealth. Therefore, based on the application of investment accounts and capital accounts, refined investment and isolated management of target wealth can be achieved, thereby improving the refinement of customer investment transactions and ultimately achieving improved customer investment efficiency.

[0074] In a feasible implementation, step S30 may include:

[0075] Create a secondary investment account of the target wealth investment account according to the preset fund type;

[0076] According to the preset special account correspondence rules, the target fund special account corresponding to the secondary investment special account is determined.

[0077] It should be noted that the types of funds include but are not limited to the types of currencies used for investment, such as RMB (CNY), British Pound (GBP), US Dollar (USD), etc. The secondary investment account of the target wealth investment account refers to an account that is further subdivided according to the preset fund types under the target wealth investment account. These secondary investment accounts are used to manage investment activities of specific fund types more finely to adapt to the investment needs and strategies of different monetary assets. The special account correspondence rules refer to a set of rules or standards that determine the correspondence between the target wealth investment account and the fund account to ensure the reasonable allocation and effective management of funds.

[0078] For example, assume that a client has created three sub-investment accounts under the retirement investment account in the investment trading system according to the preset fund types (RMB, GBP, USD). These sub-accounts are used to manage investment activities in RMB, GBP, and USD respectively. According to the preset account correspondence rules, the target fund account corresponding to each sub-investment account is determined.

[0079] When receiving target wealth investment strategies, the system will analyze these strategies and control the corresponding secondary investment accounts to execute the corresponding investment instructions. For example, if the pension investment account receives an instruction to invest in a pension fund denominated in RMB, the system will control the RMB investment account of the pension investment account to execute the investment instruction and transfer funds through the corresponding RMB fund account.

[0080] When receiving a fund transaction signal, the fund system will control the corresponding target fund account to conduct fund transactions based on the fund accounting status of the secondary investment account. For example, if the GBP account of the pension investment account needs to pay a GBP-denominated fee, the fund system will automatically transfer funds from the GBP fund account corresponding to the corresponding pension investment account.

[0081] The system regularly monitors the investment performance of each sub-investment account and adjusts the investment strategy based on market changes and customer feedback. For example, if the investment return of a sub-investment account does not meet expectations, the system will recommend that the customer adjust the investment portfolio or change investment products.

[0082] In a feasible implementation, the investment transaction method may include:

[0083] When asset change information is received, the asset change information is analyzed to determine the target wealth investment account to which the asset change belongs;

[0084] Update the corresponding asset holding information of the target wealth investment account.

[0085] It should be noted that the asset change information refers to notifications or data about changes in the value or quantity of assets in the target wealth investment account, which are caused by investment transactions, fund transfers or other financial activities. The target wealth investment account refers to an account established for a specific investment goal, which is used to isolate and manage funds and assets related to the goal to achieve refined wealth management. The asset holding information refers to detailed information on the assets held in the target wealth investment account, including the type, quantity, value, etc. of the assets, which is used to track and evaluate the performance of the investment portfolio.

[0086] For example, the device receives asset change information from the financial market, which may include stock price changes, bond interest payments, fund net value updates, etc. The device analyzes the received asset change information to determine which target wealth investment account these changes belong to. For example, if the change information involves the purchase and sale of a certain stock, the device will check which investment account this stock belongs to.

[0087] The device determines the specific target wealth investment account to which the asset change belongs through analysis. For example, if the assets involved in the asset change information are assets in the client's pension investment account, the device will identify the account.

[0088] When the special account to which the asset change belongs is determined, the device will update the asset holding information of the special account. This includes adjusting the quantity and value of assets and calculating the new portfolio value. For example, if the price of a stock in a pension investment special account rises, the device will increase the holding value of the stock and update the total asset value. After the device updates the asset holding information, it will notify the customer of the details of the asset change and the latest status of the special account through appropriate channels (such as email, mobile application notifications, etc.). The device will also evaluate the investment performance based on the updated asset holding information and generate reports. These reports may include asset appreciation, investment return rate, risk assessment, etc., to help customers understand the realization of their investment goals.

[0089] For example, in combination Figure 3 , the device receives asset change information, for example, the USD share of fund code 1000001 held in the customer's pension investment account has changed.

[0090] The device analyzes the received asset change information to determine which target wealth investment account these changes belong to. In this example, the system identifies that the change information is related to the pension investment account. The device further confirms the specific details of the asset change, such as the type, quantity and value of the changed assets. For example, the USD share of fund code 1000001 increased by 1,000 shares. Based on the analysis results, the device updates the asset holding information of the pension investment account. The specific operations include increasing the number of USD shares of fund code 1000001 and updating the holding value according to the latest market value. The device notifies the customer of the details of the asset change and the latest status of the account through appropriate channels (such as email, mobile application notifications, etc.). The device also evaluates the investment performance based on the updated asset holding information and generates reports. These reports may include asset appreciation, investment return rate, risk assessment, etc., to help customers understand the realization of their investment goals.

[0091] In a feasible implementation manner, when the fund transaction signal is received, the step of controlling the target fund account to perform fund transaction according to the fund accounting status of the target wealth investment account includes:

[0092] When receiving the income calculation instruction, obtaining the expected income and investment funds of various types of assets of the target wealth investment account of various types;

[0093] The expected returns of various types of assets and the invested funds are input into a preset calculation formula to calculate the expected returns and expected yields of each type of target wealth investment account, wherein the calculation formula includes:

[0094] Expected return on holdings of investment accounts = ∑ expected return on various assets,

[0095] The expected rate of return of holdings in the investment account = ∑ expected return of various assets / capital invested in the investment account*100%.

[0096] It should be noted that the income calculation instruction refers to the instruction received by the system for calculating the expected income of the target wealth investment account. This is usually triggered automatically by the system or requested by the user to obtain the latest investment income information.

[0097] The target wealth investment account refers to an account established for a specific investment goal, which is used to isolate and manage funds and assets related to the goal to achieve refined management of wealth.

[0098] The expected returns of each type of asset refer to the expected returns of each type of asset (such as stocks, bonds, funds, etc.) in the target wealth investment account. These expected returns are usually calculated based on market analysis, historical performance or other forecasting models.

[0099] The invested funds refer to the total amount of funds invested by the client in the target wealth investment account to achieve specific investment goals.

[0100] The calculation formulas are mathematical expressions used to calculate the expected return and expected rate of return of the target wealth investment account. These formulas help quantify the potential financial performance of the investment account.

[0101] Exemplarily, the device receives a return calculation instruction, which requires calculation of the expected returns of all target wealth investment accounts of the client.

[0102] The device obtains the expected returns and investment funds of various types of assets of the target wealth investment account. For example, for a pension investment account, the device obtains the expected returns of its stocks, bonds and funds, as well as the total investment funds of the account.

[0103] The device inputs the expected returns and investment funds of various assets into the preset calculation formula. For each target wealth investment account, the device calculates the expected return and expected rate of return of the position:

[0104] Expected return on holdings = ∑ expected return on various assets;

[0105] Expected rate of return on holdings = (∑ expected rate of return on various assets) / investment account investment funds * 100%;

[0106] Assume that the expected returns of various assets in the retirement investment account are: 10,000 yuan for stocks, 5,000 yuan for bonds, and 3,000 yuan for funds. The total investment in the account is 50,000 yuan.

[0107] Expected profit of holding position = 10,000 + 5,000 + 3,000 = 18,000 yuan;

[0108] Expected rate of return on holding = 18000 / 50000*100% = 36%;

[0109] The device outputs the calculated expected return and expected rate of return of the holdings to the client so that the client can understand the potential financial performance of his investment account.

[0110] Based on the calculation results, customers can decide whether to adjust their investment strategy to optimize returns or manage risks.

[0111] In a feasible implementation, step S30 may include:

[0112] When a fund transaction signal is received, the balance of the target wealth investment account is checked and frozen, and a fund transaction instruction is generated;

[0113] Based on the fund transaction instruction, the target fund account is controlled to perform corresponding fund settlement transactions.

[0114] It should be noted that the fund transaction signal refers to the instruction or information that triggers the fund transaction, which may come from the customer's transaction request, the transaction strategy automatically executed by the device or other external factors. The fund transaction signal is the starting point for initiating the fund transaction process.

[0115] Balance check and balance freeze are to check the balance of funds in the target wealth investment special account before executing the fund transaction, and freeze the account during the transaction to ensure that there are sufficient funds to execute the transaction and prevent the funds from being used improperly. The fund transaction instruction is a specific command generated based on the results of the balance check and freeze to guide the fund transaction. These instructions include information such as the transaction amount, currency type, transaction direction (buy or sell), etc. The target fund special account is an account corresponding to the target wealth investment special account, which is used to store and manage the funds required for specific investment goals. These special accounts ensure the specificity and isolation of funds to support the implementation of the target wealth investment strategy. The fund settlement transaction refers to the settlement operation of the funds in the target fund special account based on the fund transaction instruction, including the transfer, payment or other fund flow activities.

[0116] In a feasible implementation, step S30 may include:

[0117] Obtain historical investment trend information;

[0118] Analyze the historical investment tendency information to obtain different types of wealth investment tendency information;

[0119] The different types of wealth investment tendency information are similarly matched with different types of target wealth investment accounts to generate a target wealth investment strategy.

[0120] It should be noted that the historical investment tendency information refers to the record of the client's past investment behavior, choices and preferences, which reflects the client's preferences for various investment products and strategies in different time periods. The wealth investment tendency information is parsed from the historical investment tendency information and is information about the client's preferences and tendencies for different types of wealth investments. This may include preferences for specific asset classes, industries, risk levels or investment styles. The target wealth investment strategy is a customized investment strategy generated based on the similarity matching results of the wealth investment tendency information and the target wealth investment account. These strategies are designed to meet the client's specific investment goals and preferences.

[0121] For example,

[0122] The device collects the client's historical investment records, including past transaction records, investment product selection, investment time length, and risk preference. The device analyzes the collected historical investment tendency information and extracts the client's preference for different investment types (such as stocks, bonds, funds, etc.), as well as the preference for different risk levels and investment styles. The device compares the wealth investment tendency information obtained by the analysis with different types of target wealth investment accounts and calculates the similarity between them. For example, if the client prefers low-risk investment, the system will match this tendency with the pension investment account. Based on the results of the similarity matching, the device generates a target wealth investment strategy that matches the client's investment tendency. For example, if the client prefers steady growth, the system may recommend allocating more funds to bonds and blue-chip stocks. The device adjusts the asset allocation in the client's target wealth investment account based on the generated investment strategy. This may involve purchasing new investment products or rebalancing the existing investment portfolio. The device continuously monitors the performance of the investment strategy and regularly evaluates whether it needs to be adjusted based on market changes or customer feedback.

[0123] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the investment transaction method of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0124] This application also provides an investment trading device, please refer to Figure 4 , the investment transaction device comprises:

[0125] A creation module 10, for creating target wealth investment special accounts corresponding to different types of target wealth investment needs in response to different types of target wealth investment needs;

[0126] The analysis module 20 is used to analyze the target wealth investment strategy when receiving the target wealth investment strategy, and control the target wealth investment account to execute the investment instruction corresponding to the target wealth investment strategy;

[0127] A determination module 30, for determining a corresponding target fund account according to the target wealth investment account;

[0128] The control module 40 is used to control the target fund account to conduct fund transactions according to the fund accounting status of the target wealth investment account when a fund transaction signal is received.

[0129] And / or, the determining module 30 includes:

[0130] A first creation module, used to create a secondary investment account of the target wealth investment account according to a preset fund type;

[0131] The first determination module is used to determine the target fund special account corresponding to the secondary investment special account according to a preset special account corresponding rule.

[0132] And / or, the investment transaction device comprises:

[0133] A second determination module is used to analyze the asset change information when receiving the asset change information, and determine the target wealth investment account to which the asset change belongs;

[0134] The first updating module is used to update the asset holding information of the corresponding target wealth investment account.

[0135] And / or, the investment transaction device comprises:

[0136] The first acquisition module is used to acquire the expected returns and investment funds of various types of assets of the target wealth investment account of various types when receiving the return calculation instruction;

[0137] The first calculation module is used to input the expected returns of various types of assets and the invested funds into a preset calculation formula to calculate the expected returns and expected yields of various types of target wealth investment accounts, wherein the calculation formula includes:

[0138] Expected return on holdings of investment accounts = ∑ expected return on various assets,

[0139] The expected rate of return of holdings in the investment account = ∑ expected return of various assets / capital invested in the investment account*100%.

[0140] And / or, the control module 40 includes:

[0141] The first generating module is used to check and freeze the balance of the target wealth investment account and generate a fund transaction instruction when receiving a fund transaction signal;

[0142] The first control module is used to control the target fund account to perform corresponding fund settlement transactions based on the fund transaction instruction.

[0143] And / or, the investment transaction device comprises:

[0144] The second acquisition module is used to obtain historical investment tendency information;

[0145] A first parsing module is used to parse the historical investment tendency information to obtain different types of wealth investment tendency information;

[0146] The second generation module is used to perform similarity matching between different types of wealth investment tendency information and different types of target wealth investment accounts to generate a target wealth investment strategy.

[0147] The investment trading device provided by the present application adopts the investment trading method in the above embodiment, which can solve the technical problem of low efficiency of investment trading. Compared with the prior art, the beneficial effects of the investment trading device provided by the present application are the same as the beneficial effects of the investment trading method provided by the above embodiment, and other technical features in the investment trading device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0148] The present application provides an investment trading device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the investment trading method in the above-mentioned embodiment one.

[0149] Reference below Figure 5 , which shows a schematic diagram of the structure of an investment trading device suitable for implementing the embodiment of the present application. The investment trading device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, tablet computers, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 5 The investment transaction device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0150] like Figure 5As shown, the investment trading device may include a processing device 1001 (e.g., a central processing unit, a graphics processor, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. In RAM1004, various programs and data required for the operation of the investment trading device are also stored. The processing device 1001, ROM1002, and RAM1004 are connected to each other through a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Generally, the following systems can be connected to the I / O interface 1006: an input device 1007 including, for example, a touch screen, a touch pad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD: Liquid Crystal Display), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the investment trading device to communicate with other devices wirelessly or by wire to exchange data. Although the figure shows an investment trading device with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or have alternatively.

[0151] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0152] The investment trading device provided by the present application adopts the investment trading method in the above embodiment, which can solve the technical problem of low efficiency of investment trading. Compared with the prior art, the beneficial effects of the investment trading device provided by the present application are the same as the beneficial effects of the investment trading method provided by the above embodiment, and other technical features in the investment trading device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0153] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0154] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0155] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, wherein the computer-readable program instructions are used to execute the investment transaction method in the above-mentioned embodiment.

[0156] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0157] The computer-readable storage medium may be included in the investment trading device; or may exist independently without being assembled into the investment trading device.

[0158] The computer-readable storage medium carries one or more programs. When the one or more programs are executed by the investment trading device, the investment trading device: responds to different types of target wealth investment needs and creates different types of target wealth investment accounts corresponding to the target wealth investment needs;

[0159] When receiving the target wealth investment strategy, analyzing the target wealth investment strategy, and controlling the target wealth investment account to execute the investment instructions corresponding to the target wealth investment strategy;

[0160] Determine the corresponding target fund account according to the target wealth investment account;

[0161] When a fund transaction signal is received, the target fund account is controlled to conduct fund transactions according to the fund accounting status of the target wealth investment account.

[0162] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0163] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0164] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0165] The readable storage medium provided in this application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned investment transaction method, and can solve the technical problem of low efficiency of investment transactions. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided in this application are the same as the beneficial effects of the investment transaction method provided in the above-mentioned embodiment, and will not be repeated here.

[0166] The present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned investment transaction method when executed by a processor.

[0167] The computer program product provided by this application can solve the technical problem of low efficiency of investment transactions. Compared with the prior art, the beneficial effects of the computer program product provided by this application are the same as the beneficial effects of the investment transaction method provided by the above embodiment, which will not be repeated here.

[0168] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. An investment transaction method, characterized in that: The method includes: In response to different types of target wealth investment demands, creating target wealth investment special accounts corresponding to different types of target wealth investment demands; When receiving the target wealth investment strategy, analyzing the target wealth investment strategy, and controlling the target wealth investment account to execute the investment instructions corresponding to the target wealth investment strategy; Determine the corresponding target fund account according to the target wealth investment account; When a fund transaction signal is received, the target fund account is controlled to conduct fund transactions according to the fund accounting status of the target wealth investment account.

2. The method according to claim 1, characterized in that The step of creating a corresponding target fund account according to the target wealth investment account includes: Create a secondary investment account of the target wealth investment account according to the preset fund type; According to the preset special account correspondence rules, the target fund special account corresponding to the secondary investment special account is determined.

3. The method according to claim 1, characterized in that The step of analyzing the target wealth investment strategy upon receiving the target wealth investment strategy and controlling the target wealth investment account to execute the investment instruction corresponding to the target wealth investment strategy comprises: When asset change information is received, the asset change information is analyzed to determine the target wealth investment account to which the asset change belongs; Update the corresponding asset holding information of the target wealth investment account.

4. The method according to claim 1, characterized in that When the fund transaction signal is received, the step of controlling the target fund account to conduct fund transaction according to the fund accounting status of the target wealth investment account includes: When receiving the income calculation instruction, obtaining the expected income and investment funds of various types of assets of the target wealth investment account of various types; The expected returns of various types of assets and the invested funds are input into a preset calculation formula to calculate the expected returns and expected yields of each type of target wealth investment account, wherein the calculation formula includes: Expected return on holdings of investment accounts = ∑ expected return on various assets, The expected rate of return of holdings in the investment account = ∑ expected return of various assets / capital invested in the investment account*100%.

5. The method according to claim 1, characterized in that When the fund transaction signal is received, the step of controlling the target fund account to conduct fund transaction according to the fund accounting status of the target wealth investment account includes: When a fund transaction signal is received, the balance of the target wealth investment account is checked and frozen, and a fund transaction instruction is generated; Based on the fund transaction instruction, the target fund account is controlled to perform corresponding fund settlement transactions.

6. The method according to claim 1, characterized in that The step of analyzing the target wealth investment strategy upon receiving the target wealth investment strategy and controlling the target wealth investment account to execute the investment instruction corresponding to the target wealth investment strategy comprises: Obtain historical investment trend information; Analyze the historical investment tendency information to obtain different types of wealth investment tendency information; The different types of wealth investment tendency information are similarly matched with different types of target wealth investment accounts to generate a target wealth investment strategy.

7. An investment trading device, characterized in that: The device comprises: A creation module, for creating target wealth investment special accounts corresponding to different types of target wealth investment needs in response to different types of target wealth investment needs; An analysis module, for analyzing the target wealth investment strategy upon receiving the target wealth investment strategy, and controlling the target wealth investment account to execute the investment instruction corresponding to the target wealth investment strategy; A determination module, used to determine a corresponding target fund account according to the target wealth investment account; The control module is used to control the target fund account to conduct fund transactions according to the fund accounting status of the target wealth investment account when a fund transaction signal is received.

8. An investment trading device, characterized in that: The device comprises: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the investment transaction method according to any one of claims 1 to 6.

9. A storage medium, characterized in that: The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the investment transaction method according to any one of claims 1 to 6 are implemented.

10. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the investment transaction method according to any one of claims 1 to 6 are implemented.

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