Bank deposit right management method and system
Through bank deposit rights management methods and systems, users can independently select and manage deposit rights, solving the problem of unselectable choice of equity combinations and collection time in traditional technology, and realizing the satisfaction of users' personalized needs and flexibility in rights management.
Patent Information
- Application Number
- CN202411636301.3
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-11-15
- Publication Date
- 2025-03-21
AI Technical Summary
In traditional technology, the combination of bank deposit rights and collection time cannot be chosen by users independently, limiting users' personalized needs.
Provide a bank deposit rights management method and system, allowing users to independently select and manage deposit rights through query, selection and execution modules. The system dynamically executes the user-selected equity management strategies through the equity management policy container, supporting configured execution plans.
It realizes users' independent selection and management of bank deposit rights, improves user experience and satisfaction, and supports flexible equity execution strategy configuration.
Smart Images
Figure CN119671692A_ABST
Abstract
Description
Technical Field
[0001] The present invention belongs to the technical field of Internet finance, and in particular relates to a bank deposit rights and interests management method and system. Background Art
[0002] With the development of Internet financial technology, banks and other financial institutions can provide users with various forms of deposit benefits. Bank deposit benefits have been derived from a single deposit interest to a variety of deposit benefits for online use.
[0003] In traditional technology, financial institutions usually combine one or more deposit benefits with financial products such as deposit products. Users cannot independently choose the benefits that are more suitable for them, nor can they independently choose the time to collect the benefits and when they take effect. Summary of the invention
[0004] Based on this, it is necessary to provide a bank deposit rights management method and system that can be independently selected by users to address the above technical problems.
[0005] In a first aspect, the present application provides a bank deposit rights management method, comprising:
[0006] Receive a rights query instruction from a user, the rights query instruction carrying user identification information;
[0007] According to the user identification information, the user's currently available rights and interests are determined in the rights and interests pool corresponding to the user, and a display instruction is generated; the display instruction is used to instruct the generation of a rights and interests collection interface, and the rights and interests collection interface is used to receive at least one right and interests selected by the user;
[0008] Receive a user's equity selection instruction, and determine at least one equity selected by the user as a target equity according to the equity selection instruction;
[0009] Get the instantiation object of the equity management policy corresponding to the target equity in the equity management policy container and execute the equity management policy.
[0010] In one of the embodiments, the equity management policy container includes instantiation objects of each equity management policy;
[0011] The instantiated object is obtained by:
[0012] For each type of equity, obtain the execution steps corresponding to the equity;
[0013] Create the execution step implementation class corresponding to each execution step in sequence, and merge the execution step implementation classes to obtain the management strategy implementation class corresponding to the rights and interests;
[0014] Get the execution step implementation class and management policy implementation class through reflection, create corresponding instantiation objects, and put the instantiation objects into the rights management policy container.
[0015] In one embodiment, executing a rights management policy includes:
[0016] Obtain an instantiation object of the equity management strategy corresponding to the target equity and call the execution method of the equity management strategy; the execution method includes multiple consecutive execution steps;
[0017] Obtain the target equity execution condition in the instantiated object; the execution condition includes the trigger condition or the start time;
[0018] When the execution conditions are met, the execution steps corresponding to the target rights are executed in sequence.
[0019] In one embodiment, after determining at least one equity selected by the user as the target equity according to the equity selection instruction, the method further includes:
[0020] Obtaining usage information of the target benefit; the usage information includes at least one of the benefit name, effective time, and validity period;
[0021] Generate a target equity certificate based on the usage information; the equity certificate is used to verify the validity of the target equity when the user uses the target equity;
[0022] Move the target stake out of the stake pool to update the user's corresponding stake pool.
[0023] In one embodiment, the method further comprises:
[0024] When the equity management strategy includes multiple execution methods, a corresponding execution selection interface is generated, and the execution selection interface is used to receive the target execution method selected by the user;
[0025] Receive the target execution method selected by the user, summarize the target rights and interests selected by the user and the corresponding target execution methods, and obtain the corresponding rights and interests redemption configuration of the user.
[0026] In one embodiment, the method further comprises:
[0027] Generate execution records corresponding to target equity based on the execution results of equity management strategies;
[0028] Summarize the execution records of each target interest and generate accounting registration data for the interest redemption configuration.
[0029] In a second aspect, the present application also provides a bank deposit rights and interests management system, including:
[0030] A query module, used to receive a user's rights query instruction, where the rights query instruction carries user identification information;
[0031] A display module is used to determine the user's currently available rights in the rights pool corresponding to the user according to the user identification information, and generate a display instruction; the display instruction is used to instruct the generation of a rights collection interface, and the rights collection interface is used to receive at least one right selected by the user;
[0032] A selection module, used to receive a user's equity selection instruction, and determine at least one equity selected by the user as a target equity according to the equity selection instruction;
[0033] The execution module is used to obtain the instantiation object of the equity management policy corresponding to the target equity in the equity management policy container and execute the equity management policy.
[0034] In a third aspect, the present application further provides a computer device, including a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the above method when executing the computer program.
[0035] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, wherein the computer program implements the steps of the above method when executed by a processor.
[0036] In a fifth aspect, the present application also provides a computer program product, including a computer program, which implements the steps of the above method when executed by a processor.
[0037] The above-mentioned bank deposit rights and interests management method and system receive the user's rights and interests query instruction, which carries the user identification information; according to the user identification information, the user's currently redeemable rights and interests are determined in the user's corresponding rights and interests pool, and a display instruction is generated; the display instruction is used to instruct the generation of a rights and interests collection interface, and the rights and interests collection interface is used to receive at least one right and interests selected by the user; the user's rights and interests selection instruction is received, and according to the rights and interests selection instruction, at least one right and interests selected by the user is determined as the target right and interests; the instantiation object of the rights and interests management strategy corresponding to the target right and interests is obtained in the rights and interests management strategy container, and the rights and interests management strategy is executed. Different management strategies can be executed for unified rights and interests in specific scenarios, and the execution scheme in the strategy can be configurable, which can be used immediately after modification. BRIEF DESCRIPTION OF THE DRAWINGS
[0038] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the related technologies, the drawings required for use in the embodiments or the related technical descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.
[0039] Figure 1 A schematic diagram of the implementation environment of a bank deposit rights and interests management method provided for this application;
[0040] Figure 2 A flow chart of a bank deposit rights management method provided for this application;
[0041] Figure 3 A schematic diagram of the structure of a bank deposit rights and interests management system provided for this application. DETAILED DESCRIPTION
[0042] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.
[0043] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by those skilled in the art to which this application belongs. The terms used herein are only for the purpose of describing the embodiments of this application and are not intended to limit this application.
[0044] It is to be understood that terms such as “first”, “second”, etc. in the present application are only used to distinguish similar objects, and cannot be understood as indicating or implying relative importance or implicitly indicating the number of the indicated technical features.
[0045] It can be understood that the “connection” in the following embodiments should be understood as “electrical connection”, “communication connection”, etc. if the connected circuits, modules, units, etc. have electrical signals or data transmission between each other.
[0046] It will be understood that “at least one” means one or more, and “plurality” means two or more.
[0047] When used herein, the singular forms "a", "an", and "said / the" may also include plural forms, unless the context clearly indicates otherwise. It should also be understood that the terms "include / comprise" or "have" and the like specify the presence of stated features, wholes, steps, operations, components, parts, or combinations thereof, but do not exclude the possibility of the presence or addition of one or more other features, wholes, steps, operations, components, parts, or combinations thereof. At the same time, the term "and / or" used in this specification includes any and all combinations of the relevant listed items.
[0048] The bank deposit rights management method provided in the embodiment of the present application can be applied to Figure 1 In the application environment shown. Among them, the terminal 102 communicates with the server 104 through the network. The data storage system can store the data that the server 104 needs to process. The data storage system can be integrated on the server 104, or it can be placed on the cloud or other network servers. Among them, the terminal 102 can be but is not limited to various personal computers, laptops, smart phones, tablets, Internet of Things devices and portable wearable devices. The Internet of Things devices can be smart speakers, smart TVs, smart air conditioners, smart car-mounted devices, etc. Portable wearable devices can be smart watches, smart bracelets, head-mounted devices, etc. The server 104 can be implemented with an independent server or a server cluster composed of multiple servers. Exemplarily, the terminal can be called a user terminal, which is equipped with application software provided by banks and other financial institutions. Users interact with the bank's server through the terminal's application software to realize the configuration management of personal deposit rights.
[0049] In an exemplary embodiment, Figure 2 As shown, a bank deposit equity management method is provided, which is applied to Figure 1 The server in the example is used to illustrate, including the following steps 202 to 208. Among them:
[0050] Step 202: Receive a rights query instruction from a user, where the rights query instruction carries user identification information.
[0051] The user can send a rights query instruction to the bank's server through the user terminal. The user identification information may include basic user information and bank account information and other related information, such as the user's name, ID number, bank card number, customer number, etc.
[0052] Step 204, according to the user identification information, determine the user's currently redeemable rights in the rights pool corresponding to the user, and generate a display instruction; the display instruction is used to instruct the generation of a rights collection interface, and the rights collection interface is used to receive at least one right selected by the user.
[0053] Among them, the user's equity pool may include various deposit rights that the user can choose. Exemplarily, deposit rights may include fixed interest income, floating interest income, bank points, e-commerce coupons, airline miles, etc. For each user, different deposit rights that can be claimed can be corresponding to the amount of their deposit and the length of storage, forming the user's equity pool, in which the user can choose to claim one or more deposit rights.
[0054] Step 206: receiving a rights and interests selection instruction from the user, and determining at least one right and interests selected by the user as a target right and interests according to the rights and interests selection instruction.
[0055] Specifically, the user can select at least one equity through the user terminal to generate an equity selection instruction. The server receives the equity selection instruction of the user and determines the at least one equity selected by the user as the target equity according to the equity selection instruction.
[0056] Step 208: Obtain the instantiation object of the equity management policy corresponding to the target equity in the equity management policy container, and execute the equity management policy.
[0057] The server stores a configured equity management policy container in advance, and the equity management policy container stores instantiated objects corresponding to each deposit equity. By taking out the instantiated objects and executing them, the corresponding equity management policy can be executed.
[0058] Exemplarily, when the target benefit selected by the user is to redeem an e-commerce membership, the instantiated object stores the execution steps of the benefit, including receiving the user's user credentials on the e-commerce platform and sending the credentials to the e-commerce platform server to activate the e-commerce membership.
[0059] In the above-mentioned bank deposit rights and interests management method, by receiving the user's rights and interests query instruction, the rights and interests query instruction carries the user identification information; according to the user identification information, the user's currently redeemable rights and interests are determined in the user's corresponding rights and interests pool, and a display instruction is generated; the display instruction is used to instruct the generation of a rights and interests collection interface, and the rights and interests collection interface is used to receive at least one right and interests selected by the user; the user's rights and interests selection instruction is received, and according to the rights and interests selection instruction, at least one right and interests selected by the user is determined as the target right and interests; the instantiation object of the rights and interests management strategy corresponding to the target right and interests is obtained in the rights and interests management strategy container, and the rights and interests management strategy is executed. Different management strategies can be executed for unified rights and interests in specific scenarios, and the execution scheme in the strategy can be configurable, which can be used immediately after modification.
[0060] In one of the embodiments, the equity management policy container includes instantiation objects of each equity management policy;
[0061] The instantiated object can be obtained by:
[0062] Step 302, for each equity, obtaining the execution steps corresponding to the equity;
[0063] Step 304, sequentially create an execution step implementation class corresponding to each execution step, and merge the execution step implementation classes to obtain a management strategy implementation class corresponding to the rights and interests;
[0064] Step 306, obtain the execution step implementation class and the management policy implementation class through reflection, create corresponding instantiation objects, and put the instantiation objects into the rights management policy container.
[0065] The management step interface or abstract class and different specific management step implementation classes can be defined. The permission management strategy interface or abstract class and different specific permission management strategy implementation classes are defined, which contain references to the management steps. Instances of management steps and permission management strategies are dynamically created through the reflection mechanism, and they are placed in a container (such as a list or a collection) for management. When a specific permission management strategy needs to be executed, the corresponding strategy object is taken out of the container and the management steps contained therein are executed.
[0066] Specifically, the following steps may be included:
[0067] 1. Define the interface or abstract class of management steps; 2. Create a specific management step implementation class; 3. Define the interface or abstract class of permission management strategy; 4. Create a specific permission management strategy implementation class; wherein this class contains a reference to the management step, and can receive an instance of the management step in the constructor; 5. Use reflection to create instances of management steps and permission management strategies, and put them into a container; wherein, assuming that the container is a list: you can obtain the class of the management step and create an instance through reflection, obtain the class of the permission management strategy and create an instance through reflection, pass in the management step instance, and put the strategy into the container.
[0068] The bank deposit rights management method provided by the embodiment of the present application can dynamically create objects at runtime through Java reflection technology without determining the specific class name at compile time. In this way, a more flexible architecture can be achieved, and different management steps and authority management strategies can be conveniently managed. At the same time, these objects are placed in a container for management, and can be easily retrieved and executed when needed.
[0069] In one embodiment, executing the equity management strategy may include the following steps:
[0070] Step 402, obtaining an instantiation object of the equity management policy corresponding to the target equity and calling an execution method of the equity management policy; the execution method includes a plurality of consecutive execution steps;
[0071] Step 404, obtaining the target equity execution condition in the instantiated object; the execution condition includes a trigger condition or a start time;
[0072] Step 406, when the execution conditions are met, the execution steps corresponding to the target rights and interests are executed in sequence.
[0073] Specifically, when the rights management policy needs to be executed, the rights management policy can be taken out from the container and executed, that is, the policy object is taken out from the container and its execution method is called.
[0074] The server first identifies and retrieves the benefit management policy associated with the specific target benefit. This usually involves retrieving the details of the policy from a database or configuration file. After obtaining the policy, the system creates an instantiation object of the policy and calls the execution method through this object. This execution method contains a series of predefined operation steps, which will be executed one by one in order to ensure the correct issuance and management of benefits.
[0075] Then, the server obtains the execution conditions of the target benefit in the instantiated object. These execution conditions define when and how the benefit is triggered and executed. Typically, the execution conditions may include a trigger condition (e.g., a user completes a specific behavior) or a start time (e.g., a specific date or time).
[0076] When the execution conditions are met, the server can start to execute the various execution steps corresponding to the target equity in sequence. These steps may include updating user account information, issuing rewards, sending notifications, etc. Each step must be executed correctly in the predetermined order to ensure the integrity and accuracy of equity management.
[0077] The bank deposit rights management method provided in the embodiment of the present application can effectively manage various rights and interests by obtaining the instantiation object of the rights management policy corresponding to the target rights and interests in the rights management policy container and executing the rights management policy, ensuring that they are correctly executed according to established rules and conditions, thereby improving user experience and satisfaction.
[0078] In one embodiment, after determining at least one equity selected by the user as the target equity according to the equity selection instruction, the method further includes:
[0079] Step 502, obtaining usage information of the target benefit; the usage information includes at least one of the benefit name, effective time, and validity period.
[0080] Specifically, the server retrieves the usage information related to the target benefit from the database. By determining the types of benefits available for users to choose, such as discounts, free services, exclusive activity participation rights, etc., the specific rules for each benefit are determined, including usage conditions, validity period, number of times, etc. Exemplarily, the usage information includes at least one of the benefit name, effective time, and validity period.
[0081] Step 504: Generate a rights certificate of the target rights based on the usage information; the rights certificate is used to verify the validity of the rights when the user uses the target rights.
[0082] Among them, the server generates a rights certificate for the target rights based on the usage information so that the user can verify the validity of the rights when using the target rights. The rights certificate can be an official document or electronic record (such as a QR code) used to verify its validity and legality when the user attempts to use the rights. When the user conducts related consumption or activities, the user presents the rights certificate (which can be a QR code, digital code, etc. generated by the system) so that the merchant or service provider can verify the validity of the rights. Exemplarily, the rights certificate can record the name of the rights, the user's identity information, the effective time, the validity period, and other possible relevant terms and conditions. Optionally, the server can monitor the use of the rights in real time, and record the time, location, transactions involved, and other information of each use. For rights with a limited number of uses, the remaining number of uses is updated in a timely manner after each use.
[0083] Step 506: Move the target stake out of the stake pool to update the stake pool corresponding to the user.
[0084] Specifically, once the stake certificate is generated, the server will remove the target stake from the total stake pool to ensure that the information in the stake pool is up to date and to prevent the same stake from being issued or used multiple times. Furthermore, updating the stake pool corresponding to the user ensures that the user can only see and access the valid stake they currently own.
[0085] In one embodiment, the method further comprises:
[0086] Step 602: When the equity management strategy includes multiple execution modes, a corresponding execution selection interface is generated. The execution selection interface is used to receive the target execution mode selected by the user.
[0087] Exemplarily, each deposit right corresponds to different right attributes and calculation methods, as well as subsequent right distribution methods and right account sharing methods. For example, for fixed-rate interest, the user can choose to receive interest at interest rate a after 1 year, and the interest will be deposited in a new time deposit; or receive interest at interest rate b after 2 years, and the interest will be stored in a demand deposit. For such rights, the server will generate a corresponding execution selection interface, which is used to receive the target execution method selected by the user.
[0088] Step 604, receiving the target execution method selected by the user, and summarizing the target rights and interests selected by the user and the corresponding target execution methods, to obtain the rights and interests redemption configuration corresponding to the user.
[0089] When the user selects the corresponding target execution method on the terminal, the server receives the target execution method selected by the user, summarizes the target rights and interests selected by the user and the corresponding target execution methods, and obtains the user's corresponding rights and interests redemption configuration. The rights and interests redemption configuration includes the configuration of the issuance method and the account splitting method corresponding to each right and interest.
[0090] In one embodiment, the method further comprises:
[0091] Step 702, generating an execution record corresponding to the target equity according to the execution result of the equity management strategy;
[0092] Step 704, summarize the execution records of each target interest and generate accounting registration data for the interest redemption configuration.
[0093] Specifically, the server generates an execution record corresponding to the target equity according to the execution result of the equity management strategy, and automatically registers the equity management strategy. In addition, based on the execution record, it generates the issuance processing result of the equity management strategy and generates the accounting registration data of the equity redemption configuration.
[0094] The server will comprehensively review and analyze the execution of equity management strategies. For each strategy, a detailed target equity execution record is automatically generated. These records not only reflect the actual execution effect of the strategy, but also include all relevant data and parameters, such as execution time, amount involved, beneficiary information, etc. The generation of execution records is automated, ensuring the accuracy and timeliness of the information.
[0095] After collecting and collating the execution records of all target rights, the server will conduct a summary analysis to ensure the completeness and accuracy of the bookkeeping registration data. The generated bookkeeping registration data will be used for the rights redemption configuration.
[0096] The bank deposit rights and interests management method provided in the embodiment of the present application can automatically record, register and process the rights and interests redemption configuration selected and determined by the user, realize the flexible management of bank deposit rights and interests, effectively track and manage the execution of rights and interests, and ensure the accuracy and reliability of the rights and interests redemption configuration.
[0097] It should be understood that, although the various steps in the flowcharts involved in the above-mentioned embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps does not have a strict order restriction, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-mentioned embodiments can include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.
[0098] Based on the same inventive concept, the embodiment of the present application also provides a bank deposit rights and interests management system for implementing the bank deposit rights and interests management method involved above. The implementation scheme for solving the problem provided by the system is similar to the implementation scheme recorded in the above method, so the specific limitations in one or more bank deposit rights and interests management system embodiments provided below can refer to the above limitations on the bank deposit rights and interests management method, and will not be repeated here.
[0099] In an exemplary embodiment, Figure 3 As shown, a bank deposit equity management system 300 is provided, including:
[0100] Query module 301, used to receive a user's rights query instruction, the rights query instruction carries user identification information;
[0101] The display module 302 is used to determine the user's currently available rights in the rights pool corresponding to the user according to the user identification information, and generate a display instruction; the display instruction is used to instruct the generation of a rights collection interface, and the rights collection interface is used to receive at least one right selected by the user;
[0102] The selection module 303 is used to receive a user's equity selection instruction and determine at least one equity selected by the user as a target equity according to the equity selection instruction;
[0103] The execution module 304 is used to obtain the instantiation object of the equity management policy corresponding to the target equity in the equity management policy container and execute the equity management policy.
[0104] In one of the embodiments, the equity management policy container includes instantiation objects of each equity management policy;
[0105] The instantiated object is obtained by:
[0106] For each type of equity, obtain the execution steps corresponding to the equity;
[0107] Create the execution step implementation class corresponding to each execution step in sequence, and merge the execution step implementation classes to obtain the management strategy implementation class corresponding to the rights and interests;
[0108] Get the execution step implementation class and management policy implementation class through reflection, create corresponding instantiation objects, and put the instantiation objects into the rights management policy container.
[0109] In one embodiment, the execution module is further configured to:
[0110] Obtain an instantiation object of the equity management strategy corresponding to the target equity and call the execution method of the equity management strategy; the execution method includes multiple consecutive execution steps;
[0111] Obtain the target equity execution condition in the instantiated object; the execution condition includes the trigger condition or the start time;
[0112] When the execution conditions are met, the execution steps corresponding to the target rights are executed in sequence.
[0113] In one embodiment, the execution module is further configured to:
[0114] Obtaining usage information of the target benefit; the usage information includes at least one of the benefit name, effective time, and validity period;
[0115] Generate a target equity certificate based on the usage information; the equity certificate is used to verify the validity of the target equity when the user uses the target equity;
[0116] Move the target stake out of the stake pool to update the user's corresponding stake pool.
[0117] In one embodiment, the execution module is further configured to:
[0118] When the equity management strategy includes multiple execution methods, a corresponding execution selection interface is generated, and the execution selection interface is used to receive the target execution method selected by the user;
[0119] Receive the target execution method selected by the user, summarize the target rights and interests selected by the user and the corresponding target execution methods, and obtain the corresponding rights and interests redemption configuration of the user.
[0120] In one embodiment, the execution module is further configured to:
[0121] Generate execution records corresponding to target equity based on the execution results of equity management strategies;
[0122] Summarize the execution records of each target interest and generate accounting registration data for the interest redemption configuration.
[0123] In one embodiment, a computer device is provided, including a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of a power supply safety management method as described above when executing the computer program.
[0124] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps in the above-mentioned method embodiments are implemented.
[0125] For the device embodiments, since they basically correspond to the method embodiments, the relevant parts can refer to the partial description of the method embodiments. The device embodiments described above are only schematic, wherein the components described as separate parts may or may not be physically separated, and the parts displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the disclosed solution. A person of ordinary skill in the art can understand and implement it without paying any creative work.
[0126] The above-mentioned embodiments only express several implementation methods of the embodiments of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the patent of the embodiments of the present application. It should be pointed out that, for ordinary technicians in this field, several variations and improvements can be made without departing from the concept of the embodiments of the present application, and these all belong to the protection scope of the embodiments of the present application.
Claims
1. A bank deposit equity management method, characterized in that: The method comprises: Receive a rights query instruction from a user, wherein the rights query instruction carries user identification information; According to the user identification information, each currently redeemable interest of the user is determined in the interest pool corresponding to the user, and a display instruction is generated; the display instruction is used to instruct the generation of an interest redemption interface, and the interest redemption interface is used to receive at least one interest selected by the user; receiving a rights and interests selection instruction from a user, and determining at least one right and interests selected by the user as a target right and interests according to the rights and interests selection instruction; The instantiation object of the equity management policy corresponding to the target equity is obtained in the equity management policy container, and the equity management policy is executed.
2. The method according to claim 1, characterized in that: The equity management policy container includes instantiation objects of various equity management policies; The instantiated object is obtained by the following method: For each type of interest, obtain the execution steps corresponding to the interest; Sequentially create an execution step implementation class corresponding to each of the execution steps, and merge the execution step implementation classes to obtain a management strategy implementation class corresponding to the rights and interests; The execution step implementation class and the management policy implementation class are obtained through reflection, and corresponding instantiation objects are created, and the instantiation objects are placed in the rights management policy container.
3. The method according to claim 2, characterized in that The executing the equity management strategy includes: Obtaining an instantiation object of the equity management policy corresponding to the target equity and calling an execution method of the equity management policy; the execution method includes a plurality of consecutive execution steps; Obtaining the target equity execution condition in the instantiated object; the execution condition includes a trigger condition or a start time; When the execution condition is met, the execution steps corresponding to the target rights and interests are executed in sequence.
4. The method according to claim 1, characterized in that: After determining at least one benefit selected by the user as a target benefit according to the benefit selection instruction, the method further includes: Acquire usage information of the target benefit; the usage information includes at least one of benefit name, effective time, and validity period; Generate a rights certificate of the target rights and interests according to the usage information; the rights and interests certificate is used to verify the validity of the rights and interests when the user uses the target rights and interests; The target stake is moved out of the stake pool to update the stake pool corresponding to the user.
5. The method according to any one of claims 1 to 4, characterized in that: The method further comprises: When the equity management strategy includes multiple execution modes, a corresponding execution selection interface is generated, and the execution selection interface is used to receive the target execution mode selected by the user; The target execution method selected by the user is received, and the target rights and interests selected by the user and the corresponding target execution methods are summarized to obtain the rights and interests redemption configuration corresponding to the user.
6. The method according to claim 5, characterized in that The method further comprises: Generate an execution record corresponding to the target equity according to the execution result of the equity management strategy; Summarize the execution records of each of the target rights and interests and generate accounting registration data for the rights and interests redemption configuration.
7. A bank deposit equity management system, characterized in that: The system comprises: A query module, used to receive a user's rights query instruction, wherein the rights query instruction carries user identification information; A display module, used to determine the currently available rights of the user in the rights pool corresponding to the user according to the user identification information, and generate a display instruction; the display instruction is used to instruct the generation of a rights collection interface, and the rights collection interface is used to receive at least one right selected by the user; A selection module, configured to receive a user's equity selection instruction, and determine at least one equity selected by the user as a target equity according to the equity selection instruction; The execution module is used to obtain the instantiation object of the equity management policy corresponding to the target equity in the equity management policy container, and execute the equity management policy.
8. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 7 are implemented.
9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.
10. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.