Revenue information query method and device, equipment, storage medium and product

Abstract

The invention discloses a revenue information query method and device, equipment, a storage medium and a product, relates to the technical field of computers, and discloses a method for receiving a product information updating instruction from a product issuing server, the product information updating instruction comprising a current unit net value and a current share bonus of a target product; based on the current unit net value and the current share bonus, determining a current simulated market value of a target product corresponding to the target user identifier; in response to an income query request from a target terminal, determining income information of the target product based on the current simulated market value and the historical simulated market value of the target product; and sending the income information of the target product to the target terminal, so that the target terminal displays the income information of the target product. According to the method, the content of the inquired and displayed income information can be enriched, the information amount of the income information acquired by the user is increased, and the user can accurately judge the income condition of the financial product conveniently.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a method, device, equipment, storage medium and product for querying revenue information. Background Art

[0002] With the development of Internet financial services, financial products are increasingly favored by investors due to their relatively low investment risks. Financial products are products designed and issued by commercial banks and financial institutions. They invest the funds raised in the financial market according to the product contract and distribute the profits to investors. For financial products, the profit is an important criterion for measuring their quality.

[0003] In the related art, when users view the income information of financial products, the accumulated net value of the financial products is generally displayed to the users, that is, the sum of the current unit net value of the financial products and the previous share dividends. The displayed income information is relatively simple, which leads to the limitation of the income information content obtained by users, and they cannot accurately judge the income of financial products.

[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 a method, device, equipment, storage medium and product for querying income information, which can enrich the content of the queried and displayed income information, increase the amount of income information obtained by users, and facilitate users to accurately judge the income of financial products.

[0006] To achieve the above purpose, the present application proposes a revenue information query method, which is executed by a product sales server, and the method includes:

[0007] Receiving a product information update instruction from a product issuing server, wherein the product information update instruction includes a current unit net value and a current share dividend of a target product;

[0008] Based on the current unit net value and the current share dividend, determine the current simulated market value of the target product corresponding to the target user identifier, where the current simulated market value is the total market value of the target product invested by the target user when the target user's dividend income is used to invest in the target product;

[0009] In response to a revenue query request from a target terminal, determining revenue information of the target product based on the current simulated market value and the historical simulated market value of the target product;

[0010] The revenue information of the target product is sent to the target terminal so that the target terminal displays the revenue information of the target product, wherein the target terminal is a terminal that logs in the target user ID.

[0011] Optionally, the determining, based on the current unit net value and the current share dividend, the current simulated market value of the target product corresponding to the target user identifier includes:

[0012] Determine the sum of the current unit net value of the target product and the current share dividend as the current simulated unit price of the target product;

[0013] The historical investment share of the target product corresponding to the target user identifier is multiplied by the current simulated unit price of the target product to obtain the current simulated market value of the target product.

[0014] Optionally, before multiplying the historical investment share of the target product corresponding to the target user identifier by the current simulated unit price of the target product to obtain the current simulated market value of the target product, the method further includes:

[0015] Determine the unit net value and simulated market value of the target product at the last product information update;

[0016] The simulated market value of the target product when the product information was last updated is divided by the unit net value of the target product when the product information was last updated to obtain the historical investment share of the target product corresponding to the target user identifier.

[0017] Optionally, the yield query request indicates querying the interval yield corresponding to the target time interval;

[0018] The step of determining the revenue information of the target product based on the current simulated market value and the historical simulated market value of the target product in response to the revenue query request from the target terminal includes:

[0019] In response to the revenue query request, determining the simulated market value of the target product at the start time point of the target time interval as the historical simulated market value;

[0020] The difference between the current simulated market value and the historical simulated market value is divided by the historical simulated market value to obtain the interval rate of return of the target product.

[0021] Optionally, the yield query request indicates querying the annualized yield of the target product;

[0022] The step of determining the revenue information of the target product based on the current simulated market value and the historical simulated market value of the target product in response to the revenue query request from the target terminal includes:

[0023] In response to the income query request, the duration corresponding to the target time interval is used as the investment cycle to determine the number of investments that can be made in the target product within one year;

[0024] Based on the number of investments and the interval yield corresponding to the target time interval, the annualized yield of the target product is determined.

[0025] Optionally, in response to the revenue query request, taking the duration corresponding to the target time interval as an investment cycle, and determining the number of investments that can be made in the target product within one year, includes:

[0026] In response to the income query request, determining the duration between the start time point of the target time interval and the update time point of the current unit net value as the investment period;

[0027] Determine the length of investment time included in a year;

[0028] The investment duration is divided by the investment cycle to obtain the number of investments.

[0029] Optionally, determining the annualized rate of return of the target product based on the number of investments and the interval rate of return corresponding to the target time interval includes:

[0030] The sum of the interval rate of return and the value 1 is used as the base, and the number of investments is used as the exponent to form an exponential power;

[0031] The difference between the exponential power and the value 1 is determined as the annualized rate of return.

[0032] Optionally, the determining, in response to the revenue query request from the target terminal, the revenue information of the target product based on the current simulated market value and the historical simulated market value of the target product includes:

[0033] In response to the revenue query request, multiple different types of revenue indicators of the target product are determined based on the current simulated market value and the historical simulated market value of the target product, and the multiple different types of revenue indicators are used to characterize the revenue status of the target product from different dimensions.

[0034] Optionally, in response to the revenue query request, determining a plurality of different types of revenue indicators of the target product based on the current simulated market value and the historical simulated market value of the target product includes:

[0035] In response to the revenue query request, generating a plurality of revenue index determination instructions, each revenue index determination instruction instructing to determine a type of revenue index of the target product;

[0036] In response to the plurality of profit indicator determination instructions, the plurality of different types of profit indicators are determined in parallel.

[0037] Optionally, the product information update instruction includes the current unit net value and current share dividend of multiple products;

[0038] The determining, based on the current unit net value and the current share dividend, the current simulated market value of the target product corresponding to the target user identifier includes:

[0039] In response to the product information update instruction, generating a plurality of simulated market value determination instructions, each simulated market value determination instruction instructing to determine a current simulated market value of a corresponding product;

[0040] In response to the multiple simulated market value determination instructions, the current simulated market values ​​of the multiple products are determined in parallel based on the current unit net worths and current share dividends of the multiple products.

[0041] In addition, to achieve the above purpose, the present application also proposes a revenue information query device, which is applied to a product sales server and includes:

[0042] An instruction receiving module, used to receive a product information update instruction from a product issuing server, wherein the product information update instruction includes the current unit net value and current share dividend of the target product;

[0043] A market value determination module, used to determine the current simulated market value of the target product corresponding to the target user identifier based on the current unit net value and the current share dividend, wherein the current simulated market value is the total market value of the target product invested by the target user when the target user's dividend income is used to invest in the target product;

[0044] A revenue determination module, configured to determine revenue information of the target product based on the current simulated market value and the historical simulated market value of the target product in response to a revenue query request from a target terminal;

[0045] The information sending module is used to send the revenue information of the target product to the target terminal so that the target terminal displays the revenue information of the target product, wherein the target terminal is a terminal that logs in the target user ID.

[0046] Optionally, the market value determination module is used to determine the sum of the current unit net value of the target product and the current share dividend as the current simulated unit price of the target product; multiply the historical investment share of the target product corresponding to the target user identifier by the current simulated unit price of the target product to obtain the current simulated market value of the target product.

[0047] Optionally, the market value determination module is also used to determine the unit net value and simulated market value of the target product when the product information was last updated; dividing the simulated market value of the target product when the product information was last updated by the unit net value of the target product when the product information was last updated, to obtain the historical investment share of the target product corresponding to the target user identifier.

[0048] Optionally, the yield query request indicates querying the interval yield corresponding to the target time interval;

[0049] The profit determination module is used to respond to the profit query request, determine the simulated market value of the target product at the starting time point of the target time interval as the historical simulated market value; divide the difference between the current simulated market value and the historical simulated market value by the historical simulated market value to obtain the interval yield of the target product.

[0050] Optionally, the revenue query request indicates querying the annualized rate of return of the target product; the revenue determination module includes:

[0051] An investment times determination unit, configured to respond to the revenue query request, take the duration corresponding to the target time interval as the investment cycle, and determine the number of investments that can be made in the target product within one year;

[0052] The yield determination unit is used to determine the annualized yield of the target product based on the investment times and the interval yield corresponding to the target time interval.

[0053] Optionally, the investment times determination unit is used to, in response to the income query request, determine the duration between the starting time point of the target time interval and the update time point of the current unit net value as the investment cycle; determine the investment duration contained in one year; and divide the investment duration by the investment cycle to obtain the investment times.

[0054] Optionally, the rate of return determination unit is used to take the sum of the interval rate of return and the value 1 as the base, and the number of investments as the exponent to form an exponential power; and determine the difference between the exponential power and the value 1 as the annualized rate of return.

[0055] Optionally, the revenue determination module is used to respond to the revenue query request and determine multiple different types of revenue indicators of the target product based on the current simulated market value and historical simulated market value of the target product, wherein the multiple different types of revenue indicators are used to characterize the revenue status of the target product from different dimensions.

[0056] Optionally, the revenue determination module is used to generate multiple revenue indicator determination instructions in response to the revenue query request, each revenue indicator determination instruction instructs to determine a type of revenue indicator of the target product; and in response to the multiple revenue indicator determination instructions, determine the multiple different types of revenue indicators in parallel.

[0057] Optionally, the product information update instruction includes the current unit net value and current share dividend of multiple products;

[0058] The market value determination module is used to generate multiple simulated market value determination instructions in response to the product information update instruction, each simulated market value determination instruction instructs to determine the current simulated market value of the corresponding product; in response to the multiple simulated market value determination instructions, based on the current unit net value and current share dividend of the multiple products, the current simulated market value of the multiple products is determined in parallel.

[0059] In addition, to achieve the above-mentioned purpose, the present application also proposes a revenue information query device, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, and the computer program is configured to implement the steps of the revenue information query method as described above.

[0060] 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 the processor, the steps of the income information query method described above are implemented.

[0061] 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 income information query method described above.

[0062] One or more technical solutions proposed in this application have at least the following technical effects:

[0063] The income information query scheme provided by the present application receives a product information update instruction from a product issuing server, and determines the current simulated market value of the target product corresponding to the target user identifier based on the current unit net value and current share dividend of the target product in the product information update instruction. Since the current simulated market value is the sum of the market values ​​of the target products invested by the target user when the dividend income of the target user is used to invest in the target product, in response to the income query request from the target terminal, the income information of the target product is determined based on the current simulated market value and the historical simulated market value of the target product. The income information includes the additional income brought by the reinvestment of the dividend income, and reflects the investment income of the target user from the perspective of compound interest. Subsequently, the income information of the target product is sent to the target terminal so that the target terminal displays the income information of the target product. Then, the income information displayed by the target terminal is no longer limited to the cumulative net value, but can cover the additional income brought by the reinvestment of the dividend income, enriching the content of the income information displayed by the terminal, increasing the amount of information of the income information obtained by the user, and facilitating the user to accurately judge the income of the financial product. BRIEF DESCRIPTION OF THE DRAWINGS

[0064] 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.

[0065] 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.

[0066] Figure 1 A schematic diagram of an implementation environment of the income information query method of this application;

[0067] Figure 2 A flowchart diagram of the first embodiment of the method for querying income information of this application;

[0068] Figure 3 A flowchart diagram of the second embodiment of the method for querying income information of this application;

[0069] Figure 4 A flowchart diagram of the third embodiment of the method for querying income information of this application;

[0070] Figure 5 A flowchart diagram of the fourth embodiment of the method for querying income information of this application;

[0071] Figure 6 A schematic diagram of a simulated market value calculation process provided for this application;

[0072] Figure 7 A schematic diagram of the profit indicator calculation process provided for this application;

[0073] Figure 8 This is a schematic diagram of the module structure of the income information query device according to an embodiment of the present application;

[0074] Fig. 9 Schematic diagram of the device structure of the hardware operating environment involved in the revenue information query method in the embodiment of the present application.

[0075] 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

[0076] 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.

[0077] 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.

[0078] Figure 1 is a schematic diagram of an implementation environment provided by an embodiment of the present application. Figure 1 , the implementation environment includes a terminal 101, a product issuing server 102 and a product sales server 103. The terminal 101, the product issuing server 102 and the product sales server 103 are connected via a wireless or wired network. Exemplarily, the terminal 101 is a computer, a mobile phone, a tablet computer or other terminals. Exemplarily, the product issuing server 102 and the product sales server 103 are background servers of the application or cloud servers that provide services such as cloud computing and cloud storage. Exemplarily, in an embodiment of the present application, the product issuing server 102 is a server corresponding to the issuing institution of the financial product. The product sales server 103 is a server corresponding to the sales agency of the financial product such as a bank. The terminal is a terminal of a user who invests in financial products.

[0079] Exemplarily, a financial management application is installed in the terminal 101, and the financial management application is a financial management application in the operating system of the terminal 101, or a financial management application provided by a third party. The terminal 101 can implement functions such as data transmission and message interaction through the financial management application.

[0080] In the embodiment of the present application, the product issuing server 102 is used to update the product information of the financial product, and sends a product information update instruction to the product sales server 103, and the product information update instruction includes the current unit net value and the current share dividend of the target product. The product sales server 103 is used to receive the product information update instruction from the product issuing server 102, and determine the current simulated market value of the target product corresponding to the target user identifier based on the current unit net value and the current share dividend. The terminal 101 is used to log in to the target user identifier and send a revenue query request to the product sales server 103. The product sales server 103 is also used to receive the revenue query request sent by the terminal 101, and in response to the revenue query request, determine the revenue information of the target product based on the current simulated market value and the historical simulated market value of the target product corresponding to the target user identifier. Then, the revenue information of the target product is sent to the terminal 101, so that the terminal 101 displays the revenue information of the target product, so that the user can view the revenue information of the target product through the terminal 101.

[0081] Figure 2 This is a flow chart of the first embodiment of the method for querying income information of this application. Figure 2 Taking the execution subject as a product sales server as an example, the revenue information query method includes the following steps S10 to S40:

[0082] Step S10, receiving a product information update instruction from a product issuing server, wherein the product information update instruction includes the current unit net value and current share dividend of the target product.

[0083] The target product refers to any net value type financial product, which is issued by the product issuing server. The product issuing server is used to issue financial products and update the product information of financial products. For example, the unit net value and dividend information of financial products are updated. Among them, the unit net value refers to the net value of each share of the financial product, that is, the net assets of the financial product divided by the total shares of the financial product. In simple terms, the unit net value is the value of a single share of the product holding, and it is also the transaction price when buying and selling products. After purchasing a financial product, during the holding period of the financial product, the unit net value at the end of the period minus the unit net value at the beginning of the period can simply characterize the product yield. The current unit net value refers to the latest unit net value of the target product. Dividend information refers to the investment income of the financial product, including share dividends, that is, the dividend amount corresponding to each share of the financial product. The current share dividend refers to the share dividend corresponding to the current unit net value.

[0084] The product information update instruction is generated by the product issuing server. Exemplarily, when the unit net value of the issued financial product is updated, the product issuing server generates a product information update instruction and sends the product information update instruction to the product sales server. Exemplarily, the product information update instruction includes the product identifier of the financial product and the current unit net value of the financial product. Exemplarily, when there is a corresponding share dividend for the current unit net value, the product information update instruction also carries the current share dividend of the financial product.

[0085] Exemplarily, when the product issuing server updates the unit net value of multiple issued financial products, the generated product information update instruction includes the product identifiers of multiple financial products and the current unit net value of multiple financial products. If the current unit net value of any financial product has a corresponding share dividend, the product information update instruction also carries the current share dividend of the financial product.

[0086] It should be noted that the net value file containing the net value data of the financial product originates from the product issuing server, and the net value file is imported into the product sales server by means of file interaction. The net value file may contain the net value data of multiple batches of financial products, and the size of the net value data can be adjusted as needed. After the net value data is imported into the product sales server, it is stored in a temporary data table to be calculated. In addition, the dividend file containing the dividend information of the financial product also originates from the product issuing server, and is led to the product sales server in the same way as the net value file, and is stored in the dividend information table. After the data import is completed, the product issuing server sends an import end signal to the product sales server to remind the product sales server to calculate the simulated market value and income information of the financial product. Wherein, the import end signal and the imported files constitute the product information update instruction referred to in the embodiment of the present application.

[0087] Step S20, based on the current unit net worth and the current share dividend, determine the current simulated market value of the target product corresponding to the target user identifier. The current simulated market value is the total market value of the target product invested by the target user when the target user's dividend income is used to invest in the target product.

[0088] The simulated market value not only takes into account the additional income generated by the reinvestment of dividend income, but also takes into account the additional income generated by the reinvestment of dividend income on the basis of the accumulated net value, that is, the dividend amount is converted into new product shares according to the unit net value on the day of the dividend, and the additional income generated by continuing to hold the newly added product shares. The simulated market value is suitable for the scenario of reinvesting investment income, and can reflect the maximum income within the product investment cycle.

[0089] The target user ID is an ID registered by the target user through the terminal, which is used to distinguish multiple users who invest in the target product. For example, the target user ID is an account registered by the target user through a financial management application.

[0090] Step S30, in response to the revenue query request from the target terminal, the revenue information of the target product is determined based on the current simulated market value and the historical simulated market value of the target product.

[0091] The income information is used to characterize the income of the target product. Optionally, the income information includes multiple different types of income indicators, and multiple different types of income indicators are used to characterize the income of the target product from different dimensions. Exemplarily, the income information includes interval yields and annualized yields corresponding to multiple different time periods. For example, the interval yield includes the interval yields of the product in the past month, the past three months, the past six months, the past year, the past three years, the year since the beginning of this year, and since the product was issued, as well as the annualized yields corresponding to each interval yield.

[0092] The current simulated market value refers to the simulated market value of the target product invested by the target user at the current moment. When the unit net value is updated in days, the current simulated market value refers to the simulated market value of the target product on the current day. Correspondingly, the historical simulated market value refers to the simulated market value of the target product on any day before the current day. For example, the simulated market value of the target product on the day of product issuance, or the simulated market value of the target product three months ago, which is not limited in the embodiments of the present application.

[0093] The target terminal is a terminal for logging in the target user ID, and the target user sends a yield query request through the target terminal to request to query the yield information of the target product invested. Exemplarily, the yield query request carries the target user ID and the product ID of the target product. Of course, the yield query request may also carry other information, such as the time interval corresponding to the interval yield requested to be queried, the type of yield indicator requested to be queried, etc.

[0094] Step S40, sending the revenue information of the target product to the target terminal so that the target terminal displays the revenue information of the target product, wherein the target terminal is the terminal identified by the logged-in target user.

[0095] After receiving the revenue information of the target product, the target terminal displays the revenue information of the target product. For example, when the revenue information includes multiple different types of revenue indicators, the target terminal displays multiple different types of revenue indicators so that the user can accurately judge the revenue of the target product.

[0096] The income information query scheme provided by the present application receives a product information update instruction from a product issuing server, and determines the current simulated market value of the target product corresponding to the target user identifier based on the current unit net value and current share dividend of the target product in the product information update instruction. Since the current simulated market value is the sum of the market values ​​of the target products invested by the target user when the dividend income of the target user is used to invest in the target product, in response to the income query request from the target terminal, the income information of the target product is determined based on the current simulated market value and the historical simulated market value of the target product. The income information includes the additional income brought by the reinvestment of the dividend income, and reflects the investment income of the target user from the perspective of compound interest. Subsequently, the income information of the target product is sent to the target terminal so that the target terminal displays the income information of the target product. Then, the income information displayed by the target terminal is no longer limited to the cumulative net value, but can cover the additional income brought by the reinvestment of the dividend income, enriching the content of the income information displayed by the terminal, increasing the amount of information of the income information obtained by the user, and facilitating the user to accurately judge the income of the financial product.

[0097] Based on the above first embodiment, a second embodiment of the present application is proposed. For the same or similar contents as the first embodiment, please refer to the above introduction and will not be described in detail later. Figure 3 Taking the execution subject as a product sales server as an example, in the second embodiment, the above step S20 includes steps S201-S204:

[0098] Step S201, determining the unit net value and simulated market value of the target product when the product information was last updated.

[0099] For example, the update cycle of product information is one day, that is, the product information of the target product is updated once a day, then the unit net value of the target product when the product information was last updated is the unit net value of the target product yesterday, and the simulated market value of the target product when the product information was last updated is the simulated market value of the target product yesterday.

[0100] Step S202 , dividing the simulated market value of the target product when the product information was last updated by the unit net value of the target product when the product information was last updated, to obtain the historical investment share of the target product corresponding to the target user identifier.

[0101] Since the simulated market value represents the total market value of the target products invested by the target users, and the unit net value represents the net value of each share of the target product, the historical investment share of the target product can be accurately calculated by dividing the simulated market value of the target product when the product information was last updated by the unit net value of the target product when the product information was last updated.

[0102] It is understandable that since the dividend income has not yet been converted into shares of the target product, the historical investment share is also the share held by the current target user.

[0103] Step S203, the sum of the current unit net value of the target product and the current share dividend is determined as the current simulated unit price of the target product.

[0104] Among them, the current simulated unit price is the total value of the target product per share at present.

[0105] It should be noted that, in other embodiments, the above step S203 may be performed first, and then steps S201-S202 may be performed.

[0106] Step S204: multiply the historical investment share of the target product corresponding to the target user identifier by the current simulated unit price of the target product to obtain the current simulated market value of the target product.

[0107] It can be understood that the result of dividing the current simulated market value of the target product by the current unit net value is: the total shares held by the target user after converting the dividend income into shares of the target product.

[0108] For example, when the target product is released, the target user purchases 10,000 copies of the target product. The calculation process of the simulated market value is as follows:

[0109] Based on the first unit net value N1 of the target product, the simulated market value M1 is: M1 = N1 × 10000

[0110] Based on the second unit net value N2 of the target product, the simulated market value M2 is:

[0111] By analogy, the net value N of the xth unit based on the target product can be determined x , simulated market value M x for:

[0112] Considering the dividend reinvestment scenario, if the net value of the xth unit of the target product is N x If there is a share dividend, the simulated market value M x for: Among them, D X For share dividends.

[0113] In an embodiment of the present application, the sum of the current unit net value of the target product and the current share dividend is determined as the current simulated unit price of the target product. The current simulated unit price can represent the total value of each share of the target product. The historical investment share of the target product corresponding to the target user identifier is multiplied by the current simulated unit price of the target product to obtain the current simulated market value of the target product. The current simulated market value can accurately represent the total market value of the target product invested by the target user when the target user's dividend income is invested in the target product.

[0114] Based on the above first embodiment, the third embodiment of the present application is proposed, and the third embodiment describes a query scheme for interval yield. For the same or similar contents as the first embodiment, please refer to the above introduction, and no further description will be given later. Figure 4 Taking the execution subject as a product sales server as an example, in the third embodiment, the above step S30 includes steps S301-S302:

[0115] Step S301, in response to a revenue query request, determining the simulated market value of the target product at the start time point of the target time interval as the historical simulated market value.

[0116] The yield query request indicates querying the interval yield corresponding to the target time interval. The interval yield indicates the ratio of the total yield of the product in the specified time interval to the total investment.

[0117] Exemplarily, the target time interval includes the time intervals of the past month, the past three months, the past six months, the past year, the past three years, since the product was issued, and this year. Taking the target time interval of the past month as an example, the simulated market value corresponding to the starting time point of the target time is the first simulated market value in the past month. Taking the target time interval of the time interval since the product was issued as an example, the simulated market value corresponding to the starting time point of the target time is the first simulated market value after the product was issued. Taking the target time interval of the time interval since this year as an example, the simulated market value corresponding to the starting time point of the target time is the first simulated market value since this year.

[0118] Step S302, divide the difference between the current simulated market value and the historical simulated market value by the historical simulated market value to obtain the interval rate of return of the target product.

[0119] Exemplarily, the simulated market value of the target product at the starting time point of the target time interval can also be called the initial simulation indication. Correspondingly, the calculation formula for the interval yield is: interval yield = (current simulated market value - initial simulation market value) / initial simulation market value.

[0120] One thing that needs to be explained is that the calculation premise of the interval rate of return is that the product issuance duration is greater than the duration of the target time interval. Among them, the product issuance duration is the time between the update date corresponding to the current unit net value of the product and the listing date of the product. This calculation premise can ensure the accuracy of the calculated interval rate of return.

[0121] In an embodiment of the present application, the difference between the current simulated market value and the historical simulated market value can accurately represent the total income of the product within the target time interval, and the historical simulated market value can represent the total investment of the target user at the starting time point of the target time interval. Therefore, when the income query request indicates to query the interval yield corresponding to the target time interval, in response to the income query request, the simulated market value of the target product at the starting time point of the target time interval is determined as the historical simulated market value, and the difference between the current simulated market value and the historical simulated market value is divided by the historical simulated market value to obtain the interval yield of the target product. The interval yield can represent the ratio of the total income to the total investment of the target product within the target time interval, thereby reflecting the income situation of the target product within the target time interval.

[0122] Based on the above first embodiment, the fourth embodiment of the present application is proposed, and the fourth embodiment describes a query scheme for annualized rate of return. For the same or similar contents as the first embodiment, please refer to the above introduction, and no further description will be given later. Figure 5 Taking the execution subject as a product sales server as an example, in the fourth embodiment, the above step S30 includes not only steps S301-S302, but also steps S303-S304:

[0123] Step S303, in response to the income query request, taking the duration corresponding to the target time interval as the investment cycle, and determining the number of investments that can be made in the target product within one year.

[0124] The yield query request indicates to query the annualized yield of the target product. The annualized yield refers to the yield obtained with an investment period of one year. The annualized yield in the embodiment of the present application is the annual yield obtained by converting the interval yield, which is a theoretical yield, not the actual yield achieved.

[0125] Optionally, in response to a return query request, the duration corresponding to the target time interval is used as an investment cycle to determine the number of investments that can be made in the target product within one year, including: in response to the return query request, the duration between the starting time point of the target time interval and the update time point of the current unit net value is determined as the investment cycle; determining the investment duration included in one year; dividing the investment duration by the investment cycle to obtain the number of investments.

[0126] For example, the time between the starting time point of the target time interval and the update time point of the current unit net value is 3 months, and the investment time included in a year is 12 months, then the investment cycle is 3 months, and the number of investments that can be made within a year is 4 times.

[0127] Step S304, determining the annualized rate of return of the target product based on the number of investments and the interval rate of return corresponding to the target time interval.

[0128] Optionally, this step includes: taking the sum of the interval yield and the value 1 as the base, and taking the number of investments as the exponent to form an exponential power; and determining the difference between the exponential power and the value 1 as the annualized yield.

[0129] In this application example, considering the value of capital time, based on the interval rate of return, the interval rate of return is converted into an annualized rate of return to represent the product return within 1 year. The calculation formula of the annualized rate of return is: P = (1 + K) D / T -1

[0130] Among them, P is the annualized rate of return, K is the interval rate of return, T is the investment cycle, and D is the investment duration included in one year.

[0131] In the embodiment of the present application, since the simulated market value is the sum of the market values ​​of the target products invested by the target user when the target user's dividend income is used to invest in the target product, the interval yield calculated based on the simulated market value covers the additional income brought by the reinvestment of the dividend income. Then the annualized yield converted from the interval yield also covers the additional income brought by the reinvestment of the dividend income, reflecting the investment income of the target user from the perspective of compound interest. Subsequently, the interval yield and annualized yield of the target product are sent to the target terminal so that the target terminal displays the interval yield and annualized yield of the target product. Then, the income information displayed by the target terminal is no longer limited to the cumulative net value, but the interval yield and annualized yield can cover the income information of the additional income brought by the reinvestment of the dividend income, enriching the content of the income information displayed by the terminal, increasing the amount of information of the income information obtained by the user, and facilitating the user to accurately judge the income of the financial product.

[0132] It should be noted that the above embodiment only takes the product information update instruction including the current unit net value and current share dividend of the target product as an example to illustrate the determination process of the simulated market value of the target product. In other embodiments, the product information update instruction includes the current unit net value and current share dividend of multiple products. Accordingly, the above step S20 determines the current simulated market value of the target product corresponding to the target user identifier based on the current unit net value and the current share dividend, including: in response to the product information update instruction, generating multiple simulated market value determination instructions, each simulated market value determination instruction indicates to determine the current simulated market value of the corresponding product, and the simulated market value determination instruction contains the current unit net value and current share dividend of the corresponding product. In response to multiple simulated market value determination instructions, based on the current unit net value and current share dividend of multiple products, the current simulated market value of multiple products is determined in parallel. In this way, the simulated market value calculation of each product is initiated by the corresponding simulated market value determination instruction, and the calculation process of the simulated market value of each product does not interfere with each other, so that the parallel calculation of the simulated market value of multiple products can be realized, and the calculation efficiency of the simulated market value can be improved.

[0133] Figure 6 Schematic diagram of a simulated market value calculation process provided by an embodiment of the present application. Figure 6 , where the multiple messages refer to simulated market value determination instructions, which are generated by the product sales server in response to the product information update instruction. Message A corresponds to product A, message B corresponds to product B, and message N corresponds to product N. The message corresponding to each product contains the unit net value and dividend information of the product (not shown in the figure), so as to calculate the simulated market value of the product based on the content in the message. It can be seen that the simulated market value of multiple products is calculated concurrently by the product sales server, and the calculation efficiency is high.

[0134] In addition, the above embodiment only uses the profit query request to request the query of one profit indicator, and the calculation process of each profit indicator. For example, the calculation process of interval yield, annualized yield, etc. In other embodiments, the profit query request is used to request the query of multiple profit indicators. Accordingly, the above step S30 responds to the profit query request from the target terminal, and determines the profit information of the target product based on the current simulated market value and the historical simulated market value of the target product, including: responding to the profit query request, based on the current simulated market value and the historical simulated market value of the target product, determining multiple different types of profit indicators of the target product, and multiple different types of profit indicators are used to characterize the profit situation of the target product from different dimensions. In this way, the product sales server can subsequently send multiple different types of profit indicators to the target terminal, so that the target terminal can display multiple different types of profit indicators, enrich the content of the displayed profit information, and facilitate users to more accurately judge the profit situation of the target product.

[0135] Exemplarily, the multiple different types of yield indicators include: the current simulated market value of the target product, the interval yields of the target product corresponding to multiple time intervals, and the annualized yield converted from each interval yield.

[0136] Optionally, the product sales server determines multiple different types of revenue indicators of the target product based on the current simulated market value and the historical simulated market value of the target product in response to the revenue query request, including: generating multiple revenue indicator determination instructions in response to the revenue query request, each revenue indicator determination instruction instructing to determine a type of revenue indicator of the target product; and determining multiple different types of revenue indicators in parallel in response to the multiple revenue indicator determination instructions. In this way, the calculation of each type of revenue indicator of the target product is initiated by the corresponding revenue indicator determination instruction, and the calculation processes of the revenue indicators of each type do not interfere with each other, so that the parallel calculation of multiple types of revenue indicators can be realized, thereby improving the calculation efficiency of the revenue indicators.

[0137] Exemplarily, in the case where the revenue query request is used to request to query the revenue information of multiple products, in response to the revenue query request, revenue indicator determination instructions corresponding to multiple products are generated, and each revenue indicator determination instruction indicates to determine at least one revenue indicator of the corresponding product. In response to the multiple revenue indicator determination instructions, the revenue indicators of multiple different products are determined in parallel. In this way, the calculation of the revenue indicator of each product is initiated by the corresponding revenue indicator determination instruction, and the calculation processes of the revenue indicators of each product do not interfere with each other, so that the parallel calculation of the revenue indicators of multiple products can be achieved, and the calculation efficiency of the revenue indicators is improved.

[0138] Figure 7 Schematic diagram of a profit index calculation process provided by an embodiment of the present application. Figure 7 , where multiple messages refer to the profit index determination instructions, which are generated by the product sales server in response to the profit query request. Message A corresponds to product A, indicating the determination of the interval yield of product A in the past month, message B corresponds to product B, indicating the determination of the interval yield of product B in the past three months, and message N corresponds to product N, indicating the determination of the interval yield of product N in the past year. The message corresponding to each product contains the unit net value and dividend information of the product (not shown in the figure), so as to calculate the profit index of the product based on the content in the message. It can be seen that the profit indicators of multiple products are calculated concurrently by the product sales server, and the calculation efficiency is high.

[0139] In addition, the above embodiment only takes the calculation of the revenue information of the target product in response to the revenue query request as an example to illustrate the calculation process of the revenue information. In other embodiments, the revenue information of each product is first calculated based on the simulated market value of each product, and the revenue information of each product is stored in the product sales server. In response to the revenue query request, the requested revenue information is queried, and then the queried revenue information is sent to the terminal, which can improve the response efficiency of the revenue query request. Therefore, the above step S30 determines the revenue information of the target product based on the current simulated market value and the historical simulated market value of the target product in response to the revenue query request from the target terminal, including: in response to the revenue query request, calculating the revenue information according to the current simulated market value and the historical simulated market value, or querying the revenue information that has been calculated according to the current simulated market value and the historical simulated market value.

[0140] Another point that needs to be explained is that the indicators for measuring product returns in the market currently mainly include performance benchmarks, unit net value, cumulative net value, etc. Among them, the performance benchmark is the estimated return that investors may obtain calculated by the bank based on the past performance of the product or the historical performance of similar products. The performance benchmark is only an expected number, not the actual return on investment, and cannot accurately reflect the real investment return of the product. Unit net value refers to the net value of each product share, which is equal to net assets divided by total shares. Its disadvantages are also obvious: if the product has been distributed since its establishment, it cannot be reflected in the unit net value, and the unit net value will be significantly lower than the real investment return. The cumulative net value refers to the sum of the unit net value of the product after its establishment and the cumulative unit dividend amount. The disadvantage is that the calculation method of the cumulative net value is relatively static and does not take into account the additional income brought by the reinvestment of dividend income. The reinvestment of dividend income is actually very common in the investment market. Therefore, the cumulative net value cannot fully and truly reflect the actual income of the holders of investment products. Among the existing patents in the field of financial investment and wealth management technology, some are highly dependent on investment process data, some are mainly based on prediction, and some are limited to certain types of special products. Overall, there is still a lack of universal methods for calculating actual rates of return.

[0141] For the vast majority of investment products, the income information query scheme in this application is proposed. The income calculation method based on simulated market value involves covering the dividend income reinvestment scenario, and comprehensively calculating the income of the product, which can solve the problem that the cumulative net value cannot accurately reflect the total product yield when the dividend income is reinvested. Based on the simulated market value, this application proposes a method for calculating the interval yield and the annualized yield, which can measure the income indicators of products in the short term and within the specified interval, and provide technical support for customers' short-term investment demands. In addition, the income calculation method is simple and efficient, and can more accurately reflect the investment income of the product in scenarios such as dividend income reinvestment.

[0142] Another point that needs to be explained is that the above examples are only used to understand the present application and do not constitute a limitation on the income information query method of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0143] This application also provides a revenue information query device, which is applied to a product sales server. Please refer to Figure 8 , the income information query device comprises:

[0144] The instruction receiving module 10 is used to receive a product information update instruction from a product issuing server, wherein the product information update instruction includes the current unit net value and current share dividend of the target product.

[0145] The market value determination module 20 is used to determine the current simulated market value of the target product corresponding to the target user identifier based on the current unit net value and the current share dividend. The current simulated market value is the total market value of the target product invested by the target user when the target user's dividend income is used to invest in the target product.

[0146] The revenue determination module 30 is used to determine the revenue information of the target product based on the current simulated market value and the historical simulated market value of the target product in response to the revenue query request from the target terminal.

[0147] The information sending module 40 is used to send the revenue information of the target product to the target terminal so that the target terminal displays the revenue information of the target product, wherein the target terminal is a terminal identified by a logged-in target user.

[0148] Optionally, the market value determination module 20 is used to determine the sum of the current unit net value of the target product and the current share dividend as the current simulated unit price of the target product; multiply the historical investment share of the target product corresponding to the target user identifier by the current simulated unit price of the target product to obtain the current simulated market value of the target product.

[0149] Optionally, the market value determination module 20 is also used to determine the unit net value and simulated market value of the target product when the product information was last updated; the simulated market value of the target product when the product information was last updated is divided by the unit net value of the target product when the product information was last updated to obtain the historical investment share of the target product corresponding to the target user identifier.

[0150] Optionally, the yield query request indicates querying the interval yield corresponding to the target time interval;

[0151] The profit determination module 30 is used to respond to the profit query request, determine the simulated market value of the target product at the starting time point of the target time interval as the historical simulated market value; divide the difference between the current simulated market value and the historical simulated market value by the historical simulated market value to obtain the interval yield of the target product.

[0152] Optionally, the revenue query request indicates querying the annualized rate of return of the target product; the revenue determination module 30 includes:

[0153] An investment times determination unit, for responding to a revenue query request, taking the duration corresponding to the target time interval as an investment cycle, and determining the number of investments that can be made in the target product within one year;

[0154] The rate of return determination unit is used to determine the annualized rate of return of the target product based on the interval rate of return corresponding to the number of investments and the target time interval.

[0155] Optionally, the investment times determination unit is used to respond to the income query request, determine the duration between the starting time point of the target time interval and the update time point of the current unit net value as the investment cycle; determine the investment duration contained in one year; divide the investment duration by the investment cycle to obtain the number of investments.

[0156] Optionally, the yield determination unit is used to take the sum of the interval yield and the value 1 as the base, and the number of investments as the exponent to form an exponential power; and determine the difference between the exponential power and the value 1 as the annualized yield.

[0157] Optionally, the profit determination module 30 is used to respond to a profit query request and determine multiple different types of profit indicators of the target product based on the current simulated market value and historical simulated market value of the target product, and the multiple different types of profit indicators are used to characterize the profit status of the target product from different dimensions.

[0158] Optionally, the revenue determination module 30 is used to generate multiple revenue indicator determination instructions in response to the revenue query request, each revenue indicator determination instruction instructs to determine a type of revenue indicator of the target product; and in response to the multiple revenue indicator determination instructions, determine multiple different types of revenue indicators in parallel.

[0159] Optionally, the product information update instruction includes the current unit net value and current share dividend of multiple products;

[0160] The market value determination module 20 is used to generate multiple simulated market value determination instructions in response to product information update instructions, each simulated market value determination instruction indicates to determine the current simulated market value of the corresponding product; in response to multiple simulated market value determination instructions, based on the current unit net value and current share dividend of multiple products, the current simulated market value of multiple products is determined in parallel.

[0161] The income information query scheme provided by the present application receives a product information update instruction from a product issuing server, and determines the current simulated market value of the target product corresponding to the target user identifier based on the current unit net value and current share dividend of the target product in the product information update instruction. Since the current simulated market value is the sum of the market values ​​of the target products invested by the target user when the dividend income of the target user is used to invest in the target product, in response to the income query request from the target terminal, the income information of the target product is determined based on the current simulated market value and the historical simulated market value of the target product. The income information includes the additional income brought by the reinvestment of the dividend income, and reflects the investment income of the target user from the perspective of compound interest. Subsequently, the income information of the target product is sent to the target terminal so that the target terminal displays the income information of the target product. Then, the income information displayed by the target terminal is no longer limited to the cumulative net value, but can cover the additional income brought by the reinvestment of the dividend income, enriching the content of the income information displayed by the terminal, increasing the amount of information of the income information obtained by the user, and facilitating the user to accurately judge the income of the financial product.

[0162] The income information query device provided by the present application adopts the income information query method in the above embodiment, which can solve the technical problem that the content of the income information displayed in the relevant information query scheme is relatively single, resulting in the limitation of the content of the income information obtained by the user and the inability to accurately judge the income of the financial product. Compared with the prior art, the beneficial effects of the income information query device provided by the present application are the same as the beneficial effects of the income information query method provided by the above embodiment, and the other technical features in the income information query device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0163] The present application provides a revenue information query device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions that can be executed 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 revenue information query method in the above-mentioned embodiment one.

[0164] Reference below Fig. 9, which shows a schematic diagram of the structure of a revenue information query device suitable for implementing the embodiment of the present application. The revenue information query device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Fig. 9 The revenue information query 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.

[0165] like Fig. 9 As shown, the revenue information query 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 revenue information query 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 revenue information query device to communicate with other devices wirelessly or wired to exchange data. Although the figure shows a revenue information query 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.

[0166] 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.

[0167] The income information query device provided by the present application adopts the income information query method in the above embodiment, which can solve the technical problem that the content of the income information displayed in the relevant information query scheme is relatively single, resulting in the limitation of the content of the income information obtained by the user and the inability to accurately judge the income of the financial product. Compared with the prior art, the beneficial effects of the income information query device provided by the present application are the same as the beneficial effects of the income information query method provided by the above embodiment, and the other technical features in the income information query device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0168] 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.

[0169] 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.

[0170] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, and the computer-readable program instructions are used to execute the revenue information query method in the above-mentioned embodiment.

[0171] 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.

[0172] The computer-readable storage medium may be included in the revenue information query device; or may exist independently without being assembled into the revenue information query device.

[0173] The above-mentioned computer-readable storage medium carries one or more programs. When the above-mentioned one or more programs are executed by the income information query device, the income information query device: receives a product information update instruction from a product issuance server, the product information update instruction includes the current unit net value and the current share dividend of the target product; based on the current unit net value and the current share dividend, determines the current simulated market value of the target product corresponding to the target user identifier, the current simulated market value is the total market value of the target product invested by the target user when the target user's dividend income is used to invest in the target product; responds to a revenue query request from a target terminal, determines the income information of the target product based on the current simulated market value and the historical simulated market value of the target product; sends the income information of the target product to the target terminal, so that the target terminal displays the income information of the target product, wherein the target terminal is the terminal identified by the logged-in target user.

[0174] 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).

[0175] 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.

[0176] 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.

[0177] The readable storage medium provided by the present application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned income information query method, and can solve the technical problem that the content of the income information displayed in the relevant information query scheme is relatively single, resulting in the limitation of the content of the income information obtained by the user, and the inability to accurately judge the income of the financial product. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided by the present application are the same as the beneficial effects of the income information query method provided by the above-mentioned embodiment, and will not be repeated here.

[0178] The present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned income information query method when executed by a processor.

[0179] The computer program product provided by the present application can solve the technical problem that the content of the income information displayed in the relevant information query scheme is relatively single, which leads to the limitation of the content of the income information obtained by the user and the inability to accurately judge the income of the financial product. Compared with the prior art, the beneficial effects of the computer program product provided by the present application are the same as the beneficial effects of the income information query method provided by the above embodiment, which will not be repeated here.

[0180] 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. A method for querying revenue information, executed by a product sales server, characterized in that: The method comprises: Receiving a product information update instruction from a product issuing server, wherein the product information update instruction includes a current unit net value and a current share dividend of a target product; Based on the current unit net value and the current share dividend, determine the current simulated market value of the target product corresponding to the target user identifier, where the current simulated market value is the total market value of the target product invested by the target user when the target user's dividend income is used to invest in the target product; In response to a revenue query request from a target terminal, determining revenue information of the target product based on the current simulated market value and the historical simulated market value of the target product; The revenue information of the target product is sent to the target terminal so that the target terminal displays the revenue information of the target product, wherein the target terminal is a terminal that logs in the target user ID.

2. The method according to claim 1, characterized in that The determining, based on the current unit net value and the current share dividend, the current simulated market value of the target product corresponding to the target user identifier includes: Determine the sum of the current unit net value of the target product and the current share dividend as the current simulated unit price of the target product; The historical investment share of the target product corresponding to the target user identifier is multiplied by the current simulated unit price of the target product to obtain the current simulated market value of the target product.

3. The method according to claim 2, characterized in that Before multiplying the historical investment share of the target product corresponding to the target user identifier by the current simulated unit price of the target product to obtain the current simulated market value of the target product, the method further includes: Determine the unit net value and simulated market value of the target product at the last product information update; The simulated market value of the target product when the product information was last updated is divided by the unit net value of the target product when the product information was last updated to obtain the historical investment share of the target product corresponding to the target user identifier.

4. The method according to claim 1, characterized in that The yield query request indicates querying the interval yield corresponding to the target time interval; The step of responding to the revenue query request from the target terminal and determining the revenue information of the target product based on the current simulated market value and the historical simulated market value of the target product includes: In response to the revenue query request, determining the simulated market value of the target product at the start time point of the target time interval as the historical simulated market value; The difference between the current simulated market value and the historical simulated market value is divided by the historical simulated market value to obtain the interval rate of return of the target product.

5. The method according to claim 4, characterized in that The yield query request indicates querying the annualized yield of the target product; The step of responding to the revenue query request from the target terminal and determining the revenue information of the target product based on the current simulated market value and the historical simulated market value of the target product includes: In response to the income query request, the duration corresponding to the target time interval is used as the investment cycle to determine the number of investments that can be made in the target product within one year; Based on the number of investments and the interval yield corresponding to the target time interval, the annualized yield of the target product is determined.

6. The method according to claim 5, characterized in that The step of responding to the revenue query request, taking the duration corresponding to the target time interval as the investment cycle, and determining the number of investments that can be made in the target product within one year, includes: In response to the income query request, determining the duration between the start time point of the target time interval and the update time point of the current unit net value as the investment period; Determine the length of investment time included in a year; The investment duration is divided by the investment cycle to obtain the number of investments.

7. The method according to claim 5, characterized in that The determining of the annualized rate of return of the target product based on the number of investments and the interval rate of return corresponding to the target time interval includes: The sum of the interval rate of return and the value 1 is used as the base, and the number of investments is used as the exponent to form an exponential power; The difference between the exponential power and the value 1 is determined as the annualized rate of return.

8. The method according to claim 1, characterized in that The step of responding to the revenue query request from the target terminal and determining the revenue information of the target product based on the current simulated market value and the historical simulated market value of the target product includes: In response to the revenue query request, multiple different types of revenue indicators of the target product are determined based on the current simulated market value and the historical simulated market value of the target product, and the multiple different types of revenue indicators are used to characterize the revenue status of the target product from different dimensions.

9. The method according to claim 8, characterized in that In response to the revenue query request, determining a plurality of different types of revenue indicators of the target product based on the current simulated market value and the historical simulated market value of the target product includes: In response to the revenue query request, generating a plurality of revenue index determination instructions, each revenue index determination instruction instructing to determine a type of revenue index of the target product; In response to the plurality of profit indicator determination instructions, the plurality of different types of profit indicators are determined in parallel.

10. The method according to claim 1, characterized in that The product information update instruction includes the current unit net value and current share dividend of multiple products; The determining, based on the current unit net value and the current share dividend, the current simulated market value of the target product corresponding to the target user identifier includes: In response to the product information update instruction, generating a plurality of simulated market value determination instructions, each simulated market value determination instruction instructing to determine a current simulated market value of a corresponding product; In response to the multiple simulated market value determination instructions, the current simulated market values ​​of the multiple products are determined in parallel based on the current unit net worths and current share dividends of the multiple products.

11. A revenue information query device, the device being applied to a product sales server, characterized in that: The device comprises: An instruction receiving module, used to receive a product information update instruction from a product issuing server, wherein the product information update instruction includes the current unit net value and current share dividend of the target product; A market value determination module, used to determine the current simulated market value of the target product corresponding to the target user identifier based on the current unit net value and the current share dividend, wherein the current simulated market value is the total market value of the target product invested by the target user when the target user's dividend income is used to invest in the target product; A revenue determination module, configured to determine revenue information of the target product based on the current simulated market value and the historical simulated market value of the target product in response to a revenue query request from a target terminal; The information sending module is used to send the revenue information of the target product to the target terminal so that the target terminal displays the revenue information of the target product, wherein the target terminal is a terminal that logs in the target user ID.

12. A revenue information query 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 revenue information query method according to any one of claims 1 to 10.

13. 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 income information query method according to any one of claims 1 to 10 are implemented.

14. 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 revenue information query method according to any one of claims 1 to 10 are implemented.

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