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

Abstract

The invention relates to a resource product processing method and device, computer equipment, a computer readable storage medium and a computer program product. The method comprises the steps that a configuration page of a target resource product is displayed, the configuration page comprises an input control about resource configuration parameters of the target resource product, and the resource configuration parameters comprise an expected resource growth rate, a regular release basic amount and release times; the method comprises the steps of obtaining an input resource configuration parameter in response to a trigger operation on an input control of the resource configuration parameter, initiating a regular putting application for a target resource product according to the resource configuration parameter, and executing a regular putting operation according to the resource configuration parameter under the condition that the regular putting application is passed. The single-time putting amount of the regular putting operation is determined according to the total put amount, the total expected putting amount and the expected resource growth rate of the historical regular putting period, the total expected putting amount is the product of the regular putting basic amount and the putting frequency, and the user experience is improved.

Description

Technical Field

[0001] The present application relates to the field of Internet technology, and in particular to a method, apparatus, computer equipment, computer-readable storage medium, and computer program product for processing resource products. Background Art

[0002] With the development of Internet technology, various resource products such as funds and stocks have emerged, which provide users with diversified investment options. Among them, when facing a variety of investment products, regular investment operations provide users with a relatively effective investment strategy.

[0003] In the related art, a user is usually assigned a regular investment plan, that is, an investment amount is invested in resource products at a fixed time. However, this regular investment operation is relatively simple and the total amount of regular investment cannot be controlled. Summary of the invention

[0004] Based on this, it is necessary to provide a method, device, computer equipment, computer-readable storage medium and computer program product for processing resource products that can effectively control the total amount of periodic delivery while flexibly configuring the single delivery amount of periodic delivery operations to improve the user experience of periodic delivery.

[0005] In a first aspect, the present application provides a method for processing resource products, comprising:

[0006] Displaying a configuration page of a target resource product, the configuration page including input controls for resource configuration parameters of the target resource product, the resource configuration parameters including an expected resource growth rate, a regular delivery base amount, and delivery times;

[0007] In response to a trigger operation on an input control of the resource configuration parameter, the input resource configuration parameter is obtained, and a periodic delivery application for the target resource product is initiated according to the resource configuration parameter. When the periodic delivery application is approved, a periodic delivery operation is performed according to the resource configuration parameter. The single delivery amount of the periodic delivery operation is determined based on the total delivery amount of the historical periodic delivery cycle, the expected total delivery amount, and the expected growth rate of the resource. The expected total delivery amount is the product of the periodic delivery base amount and the number of deliveries.

[0008] In a second aspect, the present application also provides a resource product processing device, including:

[0009] A configuration page display module, used to display a configuration page of a target resource product, wherein the configuration page includes input controls for resource configuration parameters of the target resource product, wherein the resource configuration parameters include an expected resource growth rate, a regular delivery base amount, and delivery times;

[0010] The delivery operation execution module is used to respond to the trigger operation of the input control of the resource configuration parameter, obtain the input resource configuration parameter, initiate a periodic delivery application for the target resource product according to the resource configuration parameter, and execute the periodic delivery operation according to the resource configuration parameter when the periodic delivery application is approved. The single delivery amount of the periodic delivery operation is determined according to the total delivery amount of the historical periodic delivery cycle, the expected total delivery amount and the expected growth rate of the resource. The expected total delivery amount is the product of the periodic delivery base amount and the number of deliveries.

[0011] In some embodiments, the configuration page display module is used to display the details page of the target resource product, and the details page includes a periodic delivery option controlled based on the expected total delivery amount; in response to a trigger operation on the periodic delivery option, the configuration page of the target resource product is displayed, and the configuration page includes input controls for resource configuration parameters for periodic delivery.

[0012] In some embodiments, the processing device of the resource product also includes: a single investment amount determination module, which is used to determine the remaining average investment amount based on the difference between the expected total investment amount and the total investment amount of the historical regular investment cycle when the current regular investment cycle is not the last regular investment cycle; determine the current total holdings of the target resource product and the net value of the resource product, and determine the current profit deviation based on the current total holdings, the net value of the resource product and the expected growth rate of the resource; determine the pending investment amount based on the remaining average investment amount and the current profit deviation, the pending investment amount is negatively correlated with the current profit deviation, and the pending investment amount is positively correlated with the remaining average investment amount; when the pending investment amount is less than or equal to the difference, use the pending investment amount as the single investment amount of the current regular investment cycle.

[0013] In some embodiments, the single investment amount determination module is used to take the product of the current total shares held and the net value of the resource product as the current total assets; estimate the assets of each historical regular investment cycle based on the expected growth rate of the resources and the single investment amount of each historical regular investment cycle to obtain the estimated assets of each historical regular investment cycle, and superimpose the estimated assets of each historical regular investment cycle to obtain the estimated total assets; subtract the estimated total assets from the current total assets to obtain the current return deviation.

[0014] In some embodiments, the single investment amount determination module is used to determine the amount deduction ratio corresponding to the current revenue deviation, and the current revenue deviation is inversely proportional to the amount deduction ratio; the product of the amount deduction ratio and the remaining average investment amount is used as the pending investment amount.

[0015] In some embodiments, the resource configuration parameters also include an investment amount range, and the resource product processing device also includes: an investment amount verification module, which is used to verify whether the pending investment amount exceeds the difference when it is verified that the pending investment amount is within the investment amount range.

[0016] In some embodiments, the investment amount verification module is used to use the lower limit investment amount as the single investment amount of the current regular investment cycle when the pending investment amount is less than the lower limit investment amount of the investment amount range; and use the upper limit investment amount as the single investment amount of the current regular investment cycle when the pending investment amount is greater than the upper limit investment amount of the investment amount range.

[0017] In some embodiments, the processing device for the resource product also includes: a revenue viewing page display module, which is used to display a revenue viewing page about the target resource product in response to a trigger operation on a periodic delivery view control, and the revenue viewing page includes a historical yield curve corresponding to the periodic delivery application, and the historical yield curve is used to display the historical yield at a historical time point after executing the periodic delivery operation.

[0018] In some embodiments, the processing device for the resource product also includes: a rate of return determination module, which is used to determine the total assets at the historical time point based on the total shares currently held and the net value of the resource product at the historical time point; and determine the historical rate of return at the historical time point based on the difference between the total assets at the historical time point and the total amount invested.

[0019] In some embodiments, the revenue viewing page also includes historical investment records, and the historical investment records include the single investment amount of each historical regular investment cycle; the processing device of the resource product also includes: a revenue viewing module, which is used to respond to the selection operation of the target single investment amount in the historical investment record, and display the historical yield line segment corresponding to the target single investment amount in the historical yield curve, and the historical yield line segment includes the historical yield at each historical time point after the investment is made according to the target single investment amount.

[0020] In some embodiments, the processing device of the resource product also includes: a yield comparison module, which is used to respond to the trigger operation of the yield comparison control in the yield viewing page, and display the historical yield curve and the reference yield curve in the same period in the yield viewing page, and the reference yield curve is used to display the reference yield at the historical time point when simulating regular and fixed-amount delivery with a fixed delivery amount.

[0021] In some embodiments, the rate of return determination module is also used to determine the reference total holdings at the historical time point when regular and fixed investment amounts are invested, and determine the reference total assets at the historical time point based on the net value of the resource products at the historical time point and the reference total holdings; determine the number of investments at the historical time point, and determine the reference total amount invested at the historical time point based on the number of investments and the fixed investment amount; and determine the reference rate of return at the historical time point based on the difference between the reference total assets and the reference total amount invested.

[0022] In some embodiments, the processing device of the resource product also includes: an investment operation change module, which is used to display a regular investment operation change control in the income viewing page when the reference rate of return is higher than the historical rate of return for a period longer than a preset period of time; in response to a trigger operation on the regular investment operation change control, determine a fixed investment amount for regular fixed amount investment, and perform regular investment operations according to the fixed investment amount.

[0023] In some embodiments, the processing device of the resource product also includes: a release application initiation module, which is used to display parameter modification controls in the revenue viewing page in response to the resource configuration parameter modification conditions being met; in response to the triggering operation of the parameter modification controls, obtain new resource configuration parameters, and initiate new periodic release applications based on the new resource configuration parameters.

[0024] In some embodiments, the parameter modification control includes a periodic investment base amount increase control, and an investment application initiation module, which is used to display the periodic investment base amount increase control in the yield viewing page in response to the historical yield curve trend being an upward trend; the investment application initiation module is used to increase the periodic investment base amount in response to the triggering operation of the periodic investment base amount increase control, and initiate a new periodic investment application with the increased periodic investment base amount.

[0025] 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-mentioned resource product processing method when executing the computer program.

[0026] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, and when the computer program is executed by a processor, the steps of the above-mentioned resource product processing method are implemented.

[0027] In a fifth aspect, the present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned resource product processing method when executed by a processor.

[0028] The processing method, device, computer equipment, computer readable storage medium and computer program product of the resource product are as follows: by displaying the configuration page of the target resource product, the user can set the resource configuration parameters by himself according to the demand through the input control of the resource configuration parameters of the target resource product in the configuration page, and the resource configuration parameters include the expected growth rate of resources, the basic amount of regular delivery and the number of delivery. In response to the trigger operation of the input control of the resource configuration parameter, the input resource configuration parameter is obtained. Then, according to the resource configuration parameter, a regular delivery application for the target resource product is initiated. When the regular delivery application is passed, the regular delivery operation is performed according to the resource configuration parameter. The single delivery amount of the regular delivery operation is determined according to the total amount of delivery in the historical regular delivery cycle, the expected total delivery amount and the expected growth rate of resources. The expected total delivery amount is the product of the basic amount of regular delivery and the number of delivery. In this way, in the case of flexibly configuring the single delivery amount of the regular delivery operation, the expected total delivery amount of the regular delivery is also effectively controlled to improve the user experience of the regular delivery. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] In order to more clearly illustrate the technical solutions in the embodiments of the present application or related technologies, the drawings required for use in the embodiments of the present application or related technical descriptions will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.

[0030] Figure 1 A schematic diagram of a delivery strategy selection page in the related art;

[0031] Figure 2 An application environment diagram of a method for processing resource products in one embodiment;

[0032] Figure 3 A schematic diagram of a process flow of a resource product processing method in one embodiment;

[0033] Figure 4 A schematic diagram of a configuration page in one embodiment;

[0034] Figure 5A schematic diagram of specific steps for determining a single investment amount in an embodiment;

[0035] Figure 6 A schematic diagram of a revenue viewing page in an embodiment;

[0036] Figure 7 A schematic diagram of a historical yield line segment in one embodiment;

[0037] Figure 8 A schematic diagram of a yield comparison process in one embodiment;

[0038] Fig. 9 A schematic diagram of modifying resource configuration parameters in one embodiment;

[0039] Fig.10 A schematic diagram of modifying resource configuration parameters in another embodiment;

[0040] Fig.11 A schematic diagram of the steps of applying for periodic delivery in one embodiment;

[0041] Fig.12 A schematic diagram of the periodic delivery operation steps in an embodiment;

[0042] Fig.13 is a structural block diagram of a resource product processing device in one embodiment;

[0043] Fig.14 FIG. 4 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0044] 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.

[0045] Nowadays, there are various financial management applications on the market. For each financial management application, when a user performs a certain resource product placement operation in the financial management application, the financial management application will provide the user with corresponding placement strategy options, such as Figure 1 As shown, it is a schematic diagram of the delivery strategy selection page in the related technology. The user selects a delivery strategy from the cost strategy and the moving average strategy, so that the delivery operation of the resource product is started based on the selected delivery strategy. Among them, the cost strategy belongs to the increase and decrease mode, and the single delivery amount of each fixed investment operation is determined according to the delivery principle of "more investment below cost, less investment above cost", where cost refers to the holding cost. The moving average strategy belongs to the moving average mode, and the single delivery amount of each fixed investment operation is determined according to the delivery principle of "more investment below the moving average, less investment above the moving average".

[0046] However, these delivery strategies in the prior art are relatively simple in function when each delivery is performed according to their own delivery principles, and do not consider whether the regular delivery is excessive, that is, the total amount of the regular delivery cannot be controlled.

[0047] To this end, the resource product processing method provided in the embodiment of the present application allows users to set resource configuration parameters according to their own needs by providing a configuration page for the target resource product, wherein the product of the basic amount of regular delivery and the number of deliveries in the resource configuration parameters is the expected total delivery amount. Therefore, each time a regular delivery operation is performed on the target resource product, based on the total amount delivered in the historical regular delivery cycle, the expected total delivery amount, and the expected growth rate of resources in the resource configuration parameters, not only can the basic amount of a single delivery of the regular delivery operation be flexibly configured, but also the expected total delivery amount of the regular delivery can be effectively controlled, thereby avoiding excessive support for the regular delivery operation and improving the user experience of the regular delivery.

[0048] The resource product processing method provided in the embodiment of the present application can be applied to Figure 2 In the application environment shown, the terminal 202 communicates with the server 204 via a network. The data storage system can store data that the server 204 needs to process. The data storage system can be integrated on the server 204, or placed on the cloud or other network servers.

[0049] In some embodiments, terminal 202 displays a configuration page for a target resource product, the configuration page including input controls for resource configuration parameters of the target resource product, the resource configuration parameters including an expected resource growth rate, a basic amount for periodic delivery, and a number of deliveries; in response to a trigger operation on the input controls for the resource configuration parameters, terminal 202 obtains the input resource configuration parameters, initiates a periodic delivery application for the target resource product based on the resource configuration parameters, and if the periodic delivery application is approved, performs a periodic delivery operation based on the resource configuration parameters, wherein a single delivery amount for the periodic delivery operation is determined by server 204 based on the total amount delivered in a historical periodic delivery cycle, the expected total delivery amount, and the expected resource growth rate, and the expected total delivery amount is the product of the basic amount for periodic delivery and the number of deliveries.

[0050] In some embodiments, the terminal 202 deploys an application for periodic delivery, such as a financial management application, an online payment application, a banking application, etc. After the target user logs into the application and selects the target resource product for periodic delivery, the configuration page of the target resource product is displayed. The user sets the resource configuration parameters by himself through the input controls in the configuration page to initiate a periodic delivery application to the server 204, so as to instruct the server 204 to determine the single delivery amount of the periodic delivery operation according to the resource configuration parameters and the total amount of delivery in the historical periodic delivery cycle.

[0051] In some embodiments, the terminal 202 can also be used to execute alone. Specifically, the terminal 202 displays a configuration page for the target resource product, and the configuration page includes input controls for resource configuration parameters of the target resource product. The resource configuration parameters include an expected resource growth rate, a basic amount for regular delivery, and a number of deliveries. In response to a trigger operation on the input control for the resource configuration parameter, the terminal 202 obtains the input resource configuration parameters, and initiates a regular delivery application for the target resource product according to the resource configuration parameters. When the regular delivery application is approved, the regular delivery operation is performed according to the resource configuration parameters, wherein the single delivery amount of the regular delivery operation is determined by the terminal 202 based on the total amount delivered in the historical regular delivery cycle, the expected total delivery amount, and the expected resource growth rate, and the expected total delivery amount is the product of the basic amount for regular delivery and the number of deliveries.

[0052] The terminal 202 may be, but is not limited to, various personal computers, laptops, smart phones, tablet computers, etc. The server 204 may be an independent physical server, a server cluster or a distributed system composed of multiple physical servers, or a cloud server providing cloud computing services.

[0053] In an exemplary embodiment, Figure 3 As shown, a method for processing resource products is provided, and the method is applied to Figure 2 The terminal 202 in the example is used as an example to illustrate, including the following steps 302 to 304. Among them:

[0054] Step 302, displaying a configuration page of the target resource product, the configuration page including input controls for resource configuration parameters of the target resource product, the resource configuration parameters including expected resource growth rate, regular delivery base amount and delivery times.

[0055] Among them, the target resource product refers to a product that allows regular delivery. Regular delivery refers to regular delivery of resources, for example, delivering a corresponding amount of resources (such as digital resources) to the target resource product within a predetermined period. The target resources include but are not limited to stocks, funds, bonds, etc. The configuration page of the target resource product is a page for configuring the regular delivery plan of the target resource product. The regular delivery plan is a plan for regular delivery. Resource configuration parameters are parameters required to generate a regular delivery plan. Resource configuration parameters at least include the expected resource growth rate, the regular delivery base amount, and the number of deliveries. The expected resource growth rate refers to the expected rate of return after the resource delivery is carried out according to the regular delivery plan, which can also be understood as the expected rate of return. The regular delivery base amount refers to the basic amount at the time of regular delivery, which can be understood as each regular delivery. The number of deliveries refers to the total number of deliveries of the target resource product at regular delivery. The product of the regular delivery base amount and the delivery number is the expected total delivery amount of the target resource product, that is, the maximum delivery amount of the target resource product. For example, the regular delivery base amount is 300 yuan, the delivery number is 10 times, and the expected total delivery amount is 3,000 yuan, indicating that the total amount required to complete 10 regular deliveries needs to be less than or equal to 3,000 yuan. Therefore, based on the basic amount and number of regular delivery in the configuration page, users can flexibly set the expected total delivery amount according to their needs to ensure that regular delivery plans are made under the premise of controlling the expected total delivery amount, which realizes the function of intelligent delivery.

[0056] In one embodiment, displaying the configuration page of the target resource product includes: in response to an opening operation of an application for periodic delivery, the terminal displays an initialization page of the application, and in response to a selection operation of the target resource product in the initialization page, displays a setting page of the target resource product. In this embodiment, the target resource product is first selected from multiple resource products, and then the corresponding configuration page is directly entered.

[0057] Furthermore, in one embodiment, a configuration page for a target resource product is displayed, including: displaying a details page for the target resource product, the details page including a periodic delivery option controlled based on an expected total delivery amount; and in response to a triggering operation on the periodic delivery option, displaying a configuration page for the target resource product, the configuration page including input controls for resource configuration parameters for periodic delivery.

[0058] Among them, the option of regular delivery based on the control of the expected total delivery amount is used to indicate that regular delivery operations are performed under the premise of controlling the expected total amount.

[0059] Exemplarily, during the process of displaying the initialization page of an application for periodic delivery, the terminal displays the details page of the target resource product in response to the selection operation of the target resource product in the initialization page. The details page includes periodic delivery options for multiple different delivery strategies. For example, the details page includes a periodic delivery option based on the expected total delivery amount control, and other periodic delivery options. Other periodic delivery options may be periodic delivery options based on cost strategies, periodic delivery options based on moving average strategies, or fixed-quota periodic delivery options. Next, in response to the selection operation of the periodic delivery option based on the expected total delivery amount control, the configuration page of the target resource product is displayed, and the configuration page includes input controls for resource configuration parameters for periodic delivery.

[0060] Among them, the regular delivery options based on the expected total delivery amount control, the regular delivery options based on the cost strategy, and the regular delivery options based on the moving average strategy can all be regarded as regular delivery options for intelligent delivery, that is, intelligent calculation of the delivery amount required for each delivery. It can be understood that the regular delivery option based on the cost strategy indicates that the regular delivery operation is carried out according to the cost strategy, and the regular delivery option based on the moving average strategy is used to indicate that the regular delivery is carried out according to the moving average strategy. The fixed-amount regular delivery option is used to indicate that each regular delivery is carried out according to a fixed delivery amount.

[0061] In this embodiment, after selecting the target resource product as the fixed investment object, by selecting the regular investment option based on the expected total investment amount control, switch from the target resource product's details page to the target resource product's configuration page to flexibly configure the corresponding resource configuration parameters according to needs.

[0062] In one embodiment, displaying a configuration page of a target resource product includes: in the process of displaying an initialization page of an application for periodic delivery, in response to a triggering operation on a periodic delivery control in the initialization page, displaying a periodic delivery option for intelligent delivery. In response to a periodic delivery option based on the expected total delivery amount control in the periodic delivery option, displaying an initial configuration page, the initial configuration page including a resource product selection item and an input control for resource configuration parameters. In response to a triggering operation on a resource product selection item, displaying a resource product list, and in response to a selection operation on a target resource product in the resource product list, displaying a configuration page for the target resource product.

[0063] In this embodiment, after the user selects to perform intelligent delivery, an initial configuration page allowing intelligent delivery is displayed. After the user selects to perform intelligent delivery on a target resource product, the user directly enters the corresponding configuration page.

[0064] Step 304, in response to the trigger operation of the input control of the resource configuration parameter, the input resource configuration parameter is obtained, and a periodic delivery application for the target resource product is initiated according to the resource configuration parameter. When the periodic delivery application is approved, the periodic delivery operation is performed according to the resource configuration parameter. The single delivery amount of the periodic delivery operation is determined according to the total delivery amount of the historical periodic delivery cycle, the expected total delivery amount and the expected growth rate of the resources. The expected total delivery amount is the product of the periodic delivery base amount and the number of deliveries.

[0065] Among them, the regular delivery application is used to apply for at least one regular delivery operation under the premise of controlling the expected total delivery amount. The single delivery amount refers to the amount involved in each delivery. The historical regular delivery cycle is the regular delivery cycle that has completed the regular delivery operation. Each regular delivery cycle performs one delivery. The regular delivery cycle refers to the interval time period of the regular delivery. The regular delivery cycle can be set by days, weeks, months, or quarters. For example, the regular delivery cycle is delivered monthly, that is, the regular delivery operation is started on the 1st of each month. The total amount delivered in the historical regular delivery cycle refers to the sum of the single delivery amounts in each historical regular delivery cycle. For example, the target resource product starts the regular delivery operation from January 1st, and the regular delivery cycle is the 1st of each month. If the current date is March 29th, the single delivery amounts on January 1st, February 1st, and March 1st in the historical regular delivery cycle are 200 yuan, 250 yuan, and 300 yuan respectively, then the total amount delivered is 750 yuan.

[0066] In one embodiment, the resource configuration parameters also include account information for delivering the target resource product, and the method also includes: the terminal sends the initiated periodic delivery application for the target resource product to the server to instruct the server to determine whether the periodic delivery application is approved based on the account information, and return the determination result to the terminal. For example, the server queries the corresponding remaining amount based on the account information. If the remaining amount is greater than or equal to the expected total delivery amount, feedback information indicating that the periodic delivery application is approved is returned to the terminal. If the amount is less than the expected total delivery amount, feedback information indicating that the periodic delivery application is not approved is returned to the terminal. In this way, it can ensure that there are sufficient resources for subsequent periodic delivery operations, avoiding the failure of periodic delivery operations due to insufficient resources.

[0067] like Figure 4 As shown, it is a schematic diagram of a configuration page in an embodiment. Figure 4The configuration page of the target resource product is shown as Fund F1. The input resource configuration parameters obtained are: the basic amount of regular release is 200 yuan, the maximum release amount and the minimum release amount (see below for specific explanation) are 400 yuan and 100 yuan respectively, the number of releases is 24, the regular release cycle is monthly, that is, release on the 1st of each month, and the resource source reflects the account information, such as from account A, and the expected resource growth rate is 10%. By triggering the "Create" control, the corresponding regular release application is generated based on these resource configuration parameters and sent to the server. If the server verifies that the balance in account A is more than 4,800 yuan, it determines that the regular release application is approved.

[0068] In one embodiment, the terminal determines the benchmark amount corresponding to the current regular delivery cycle based on the difference between the total amount delivered in the historical regular delivery cycle and the expected total amount delivered, and counts the current total share of the target resource product corresponding to the total amount delivered, and determines the current income deviation based on the current total share and the expected growth rate of the resource; based on the mean of the difference, the benchmark amount is adjusted, and the adjusted benchmark amount is used as the single delivery amount of the current regular delivery cycle. The larger the current income deviation, the smaller the benchmark amount, and the smaller the current income deviation, the larger the benchmark amount, and the larger the benchmark amount is less than or equal to the difference.

[0069] Among them, the current income deviation is the difference between the current resource growth (current income) and the expected resource growth (expected income). The larger the current income deviation is, for example, a large positive number, it means that the current resource growth (current income) is significantly higher than the expected resource growth (expected income); the smaller the current income deviation is, for example, a negative number, it means that the current resource growth (current income) is significantly lower than the expected resource growth (expected income).

[0070] Exemplarily, the step of determining the benchmark amount includes: determining the remaining average delivery amount according to the number of remaining regular delivery cycles, and using the remaining average delivery amount as the single delivery amount of the current regular delivery cycle. Alternatively, determining the weights of the current regular delivery cycle and other regular delivery cycles in the remaining regular delivery cycles, and determining the single delivery amount of the current regular delivery cycle based on the weights and the difference.

[0071] That is to say, the larger the current return deviation is, the higher the current return is than the expected return, and the smaller the single investment amount of the current regular investment cycle is, that is, less investment is made if the return is higher than the expected return; conversely, the smaller the current return deviation is, for example, the current return deviation is a negative number, which means that the current return is lower than the expected return, and the larger the single investment amount of the current regular investment cycle is, that is, more investment is made if the return is lower than the expected return.

[0072] In the above-mentioned resource product processing method, by displaying the configuration page of the target resource product, the user can set the resource configuration parameters by himself according to the needs through the input control of the resource configuration parameters of the target resource product in the configuration page. The resource configuration parameters include the expected growth rate of resources, the basic amount of regular delivery and the number of delivery. In response to the trigger operation of the input control of the resource configuration parameter, the input resource configuration parameter is obtained. Then, according to the resource configuration parameter, a regular delivery application for the target resource product is initiated. When the regular delivery application is passed, the regular delivery operation is performed according to the resource configuration parameter. The single delivery amount of the regular delivery operation is determined according to the total amount of delivery in the historical regular delivery cycle, the expected total delivery amount and the expected growth rate of resources. The expected total delivery amount is the product of the basic amount of regular delivery and the number of delivery. In this way, while flexibly configuring the single delivery amount of the regular delivery operation, the expected total delivery amount of the regular delivery is also effectively controlled to improve the user experience of regular delivery.

[0073] In one embodiment, Figure 5 FIG. 1 is a schematic diagram of specific steps for determining a single delivery amount in an embodiment. The steps of determining a single delivery amount for a periodic delivery operation according to the total delivered amount in a historical periodic delivery cycle, the expected total delivery amount, and the expected growth rate of resources include:

[0074] Step 502: when the current regular delivery cycle is not the last regular delivery cycle, determine the remaining average delivery amount based on the difference between the expected total delivery amount and the total delivery amount of the historical regular delivery cycles.

[0075] Among them, the last regular delivery cycle refers to the regular delivery cycle corresponding to the last delivery number. The current regular delivery cycle is the regular delivery cycle corresponding to the current delivery number. The total amount delivered in the historical regular delivery cycle is obtained by adding up the single delivery amount of each historical regular delivery cycle. For example, before the current regular delivery cycle (April 1), 100 yuan, 150 yuan and 200 yuan have been delivered on January 1, February 1 and March 1 respectively, then the total amount delivered is 450 yuan.

[0076] The remaining average delivery amount is the quotient of the difference and the remaining delivery times, where the remaining delivery times is the difference between the delivery times and the delivery times already delivered. Continuing with the above example, 3 deliveries have been made before the current regular delivery cycle. Therefore, the remaining average delivery amount can be calculated according to the remaining average delivery amount = difference / (delivery times - delivery times already delivered).

[0077] In one embodiment, the method further includes: the application for regular delivery in the terminal logs in with the target user ID, and the terminal queries each regular delivery operation of the target user ID every day through a scheduled task, and if it is verified that the current day is a regular delivery cycle for the regular delivery operation of the target resource product, step 502 is executed, and if not, step 502 is not executed. In this embodiment, the scheduled task is used to realize real-time judgment on whether to execute the regular delivery of the deposit on the current day, so as to automatically execute each delivery.

[0078] In one embodiment, the method further includes: if the current regular delivery cycle is the last regular delivery cycle, that is, the current delivery is the last delivery, then the difference between the expected total delivery amount and the total delivery amount of the historical regular delivery cycle is directly used as the current delivery amount of the current regular delivery cycle. In other words, the last delivery does not need to be determined based on the profit deviation, and the remaining amount (difference) is directly delivered in full, which simplifies the delivery steps of the last regular delivery cycle.

[0079] Step 504, determine the current total holding share and the net value of the target resource product, and determine the current return deviation based on the current total holding share, the net value of the resource product and the expected growth rate of the resource.

[0080] The current total share of the target resource product refers to the total share of the target resource product held before the current regular release cycle is not released. The resource product net value is the current net value of the target resource product.

[0081] In one embodiment, for each historical regular delivery cycle, the terminal determines the share of the target resource product purchased by the single delivery amount of the historical regular delivery cycle, and counts the sum of the shares purchased in each historical regular delivery cycle to obtain the current total share held. The current total assets are determined based on the product of the current total share held and the net value of the resource product, and the estimated total assets are determined based on the single delivery amount of each historical delivery cycle and the expected growth rate of resources. The current income deviation is determined based on the difference between the current total assets and the estimated total assets. The larger the difference, the larger the current income deviation.

[0082] Furthermore, in one embodiment, the current profit deviation is determined based on the current total shares held, the net value of resource products and the expected growth rate of resources, including: taking the product of the current total shares held and the net value of resource products as the current total assets; estimating the assets of each historical regular release cycle according to the expected growth rate of resources and the single release amount of each historical regular release cycle to obtain the estimated assets of each historical regular release cycle, and superimposing the estimated assets of each historical regular release cycle to obtain the estimated total assets; subtracting the estimated total assets from the current total assets to obtain the current profit deviation.

[0083] Exemplarily, the step of determining the estimated assets for each historical regular delivery cycle includes: the terminal determines the single delivery amount for the historical regular delivery cycle, and determines the share of the target resource product purchased with the single delivery amount to count the number of days the share is held. The terminal calculates the product of the corresponding single delivery amount, the number of days held, and the expected growth rate of the resource, calculates the quotient of the product and the preset time period, and superimposes the corresponding single delivery amount and the quotient to obtain the estimated assets for the historical regular delivery cycle. For example, the process of calculating the expected total assets according to the preset time period of 365 days: Expected total assets = sum (single delivery amount + single delivery amount × number of days held for the expected growth rate of resources / 365). Among them, sum(.) is a summation function used to sum the estimated assets for each historical regular delivery cycle.

[0084] In this embodiment, the current total assets are determined based on the current total holdings of the target resource product and the net value of the resource product, and the current estimated total assets are estimated based on the single delivery amount and the expected growth rate of the resources in each historical regular delivery cycle. In this way, the difference between the current total assets and the estimated total assets can be calculated, reflecting the current income deviation from the asset dimension, thereby accurately evaluating the degree of deviation between the current income and the expected income.

[0085] Step 506, based on the remaining average investment amount and the current revenue deviation, determine the pending investment amount, the pending investment amount is negatively correlated with the current revenue deviation, and the pending investment amount is positively correlated with the remaining average investment amount.

[0086] In one embodiment, based on the remaining average investment amount and the current revenue deviation, the pending investment amount is determined, including: determining the amount deduction ratio corresponding to the current revenue deviation, the current revenue deviation is inversely proportional to the amount deduction ratio; and taking the product of the amount deduction ratio and the remaining average investment amount as the pending investment amount.

[0087] Among them, the amount deduction ratio can be regarded as the deduction rate, which can be a positive number greater than 1 or a positive number less than 1.

[0088] In one embodiment, the terminal uses the ratio of the current income deviation to the current total assets as the current income deviation rate. The current income deviation rate can be a positive percentage or a negative percentage. Then, the terminal obtains the mapping relationship between the income deviation rate and the amount deduction ratio, and determines the amount deduction ratio corresponding to the current income deviation rate according to the mapping relationship.

[0089] For example, the mapping relationship between the amount deduction ratio corresponding to the income deviation rate is shown in the following Table 1:

[0090] Table 1: Mapping table

[0091]

[0092] Table 1 is a schematic illustration, and the specific mapping relationship can be adjusted according to actual needs. As shown in Table 1, the larger the current income deviation, the larger the current income deviation rate, indicating that the current income is higher than the expected income, the smaller the corresponding amount deduction ratio, and the smaller the amount of pending investment determined thereby.

[0093] In this embodiment, the deduction ratio of the matching amount is determined based on the current income to obtain a suitable pending investment amount, so as to achieve less investment when the income is higher than the expected income and more investment when the income is lower than the expected income.

[0094] Step 508: When the pending delivery amount is less than or equal to the difference, the pending delivery amount is used as the single delivery amount of the current regular delivery cycle.

[0095] In one embodiment, the resource configuration parameters also include an investment amount range. When the pending investment amount is less than or equal to the difference, before using the pending investment amount as the single investment amount of the current regular investment cycle, the method also includes: when it is verified that the pending investment amount is within the investment amount range, verifying whether the pending investment amount exceeds the difference.

[0096] Among them, the investment amount range stipulates the range of the single investment amount, the single investment amount is less than or equal to the maximum investment amount in the investment amount range, and the single investment amount is greater than or equal to the minimum investment amount in the investment amount range.

[0097] In one embodiment, after determining the pending investment amount, the terminal checks whether the pending investment amount is within the investment amount range, and if so, further checks whether the pending investment amount exceeds the difference. If not, the single investment amount is determined based on one of the highest investment amount and the lowest investment amount in the investment amount range.

[0098] Furthermore, in one embodiment, the method also includes: when the pending investment amount is less than the lower limit investment amount of the investment amount range, the lower limit investment amount is used as the single investment amount of the current regular investment cycle; when the pending investment amount is greater than the upper limit investment amount of the investment amount range, the upper limit investment amount is used as the single investment amount of the current regular investment cycle.

[0099] In this way, it is possible to effectively avoid excessive or insufficient single delivery amount in the current delivery cycle, thereby ensuring the accuracy and effectiveness of the delivery operation in the current delivery cycle.

[0100] For example: After the terminal determines the pending delivery amount, if the pending delivery amount is less than the minimum delivery amount, the single delivery amount of the current regular delivery cycle is set to the minimum delivery amount. If the pending delivery amount is greater than the maximum delivery amount, the single delivery amount of the current regular delivery cycle is set to the maximum delivery amount. If the pending delivery amount is within the delivery amount range, check whether the pending delivery amount is greater than the difference. If it is greater than the difference, the single delivery amount of the current regular delivery cycle is set to the difference. If it is less than or equal to the difference, the single delivery amount of the current regular delivery cycle is set to the pending delivery amount.

[0101] In this embodiment, when the current regular delivery cycle is not the last regular delivery cycle, the remaining average delivery amount is determined based on the expected total delivery amount and the total delivery amount. The current income deviation is determined based on the current total share held and the net value of the resource product. According to the current income deviation and the remaining average delivery amount, the single delivery amount that does not exceed the difference can be determined according to the principle of investing more when the expected income is lower than the expected income and investing less when the expected income is higher than the expected income. In this way, the single delivery amount can be adjusted according to the market situation and overdraft can be avoided.

[0102] In one embodiment, the method also includes: in response to a trigger operation on a periodic delivery view control, displaying a revenue viewing page for the target resource product, the revenue viewing page including a historical yield curve corresponding to the periodic delivery application, the historical yield curve being used to display the historical yields at historical time points after executing the periodic delivery operation.

[0103] The historical time point may be the distribution date of the net value of the resource product of the target resource product, or any time point before the distribution date of the next net value of the resource product. The historical rate of return at a historical time point is the rate of return brought about by the single amount of the historical regular distribution cycle corresponding to the historical time point.

[0104] Exemplarily, after the periodic delivery operation on the target resource product is started, a periodic delivery viewing control is displayed in the target resource product's details page. Alternatively, when the terminal displays any page of the application for resource delivery, if the institution has released the net resource value of the target resource product at the current time point, a periodic delivery viewing control is displayed on the displayed page to remind the user to inquire. Then, in response to the triggering operation on the periodic delivery viewing control, the revenue viewing page for the target resource product is switched. The revenue viewing page displays the historical yield curve from the first delivery time point to the current time point. The first delivery time point refers to the time point when the target resource product is delivered according to the single delivery amount of the first regular delivery cycle. Figure 6 The figure shows a schematic diagram of a revenue viewing page in one embodiment. Figure 6The historical returns at various historical time points between March 12 and September 12 are shown.

[0105] In one embodiment, the revenue viewing page also includes a delivery record query control, see Figure 6 By triggering the delivery record query control, the single delivery amount of the historical regular delivery cycle is displayed on the revenue viewing page.

[0106] In this embodiment, the historical yield curve in the yield viewing page can help the user to fully and in detail understand the overall yield situation since the execution of the investment operation, so as to facilitate the user to make corresponding decisions.

[0107] In one embodiment, the step of determining the historical rate of return at a historical time point includes: determining the total assets at the historical time point based on the total shares currently held and the net value of resource products at the historical time point; determining the historical rate of return at the historical time point based on the difference between the total assets at the historical time point and the total amount invested.

[0108] Exemplarily, for each historical time point, the terminal queries the total current holdings of the target resource product accumulated at the historical time point, and determines the net value of the resource product at the historical time point. The product of the total current holdings and the net value of the resource product at the historical time point is used as the total assets at the historical time point. The terminal counts the number of placements up to the historical time point, adds the single placement amount of each placement, and obtains the total amount placed at the historical time point. The terminal subtracts the total amount placed at the historical time point from the total assets at the historical time point to obtain the income at the historical time point, and uses the ratio of the income to the total assets at the historical time point as the historical rate of return at the historical time point.

[0109] In this embodiment, the total assets at the historical time point are determined by counting the total current holdings and the net value of resource products at the historical time point. As a result, the historical rate of return at a single historical time point can be accurately reflected based on the difference between the total assets at the historical time point and the total amount invested, making it easier for users to understand the return situation from a more detailed time point dimension.

[0110] In one embodiment, the revenue viewing page also includes historical investment records, which include the single investment amount of each historical regular investment cycle; the method also includes: in response to a selection operation on the target single investment amount in the historical investment record, displaying a historical yield line segment corresponding to the target single investment amount in the historical yield curve, the historical yield line segment including the historical yields at each historical time point after the target single investment amount is invested.

[0111] Continue with Figure 6 For example, the regular delivery cycle is weekly Figure 6 The yield viewing page includes historical delivery records, which record the single delivery amounts on January 2, January 8, and January 15. At this time, the target user selects the target single delivery amount on March 15, then the historical yield line segment from March 15 to September 12 is highlighted in the historical yield curve, as shown in the figure below: Figure 7 The figure shows a schematic diagram of a historical yield line segment in one embodiment. Figure 7 In the historical yield curve, the segments other than the historical yield line segment are represented by dotted lines, and the historical yield line segment is represented by solid lines.

[0112] In one embodiment, the terminal can also determine the time point of each selected single investment amount in response to the selection operation of any two single investment amounts in the historical investment record, and highlight the historical yield line segment between the two investment time points in the historical yield curve. In this way, it is convenient for users to query.

[0113] In this embodiment, by responding to the selection operation of the target single investment amount in the historical investment record, the historical yield line segment after the investment according to the target single investment amount is displayed in the historical yield curve, which is convenient for users to view the yield line segments in specific historical periods, thereby improving the convenience of users' historical yield queries.

[0114] In one embodiment, the method also includes: in response to a trigger operation on a revenue comparison control in a revenue viewing page, displaying a historical yield curve and a reference yield curve for the same period in the revenue viewing page, wherein the reference yield curve is used to display a reference yield at a historical time point when simulating a fixed amount of regular fixed-amount investment.

[0115] Among them, the yield comparison control is a control that triggers the yield comparison operation. The yield comparison is the historical yield and the reference yield at the same historical time point. The historical yield is the yield brought by the single delivery amount of the historical regular delivery cycle, and the reference yield is the yield brought by the regular fixed amount delivery. Regular fixed amount delivery refers to regular delivery with a fixed delivery amount. It can be understood that the single delivery amount of each regular delivery cycle is the same, which is a fixed delivery amount. Figure 8 FIG. 1 is a schematic diagram of a yield comparison process in an embodiment.

[0116] In one embodiment, the method further includes: the terminal displays a list of other periodic delivery options for comparison with the historical yield curve in response to the triggering operation of the yield comparison control, and displays the historical yield curve in the same period and the reference yield curve corresponding to each selected other periodic delivery option in the yield viewing page in response to the selection operation of at least one other periodic delivery option list in the other periodic delivery option list. For example, the list of other periodic delivery options includes a periodic delivery option based on a cost strategy, a periodic delivery option based on a moving average strategy, and a fixed-amount periodic delivery option; if the fixed-amount periodic delivery option is selected, then, with reference to the number of delivery times and the periodic base amount (as a fixed delivery amount) in the resource configuration parameters, the reference yields at various historical time points when the fixed-amount periodic delivery option is used for delivery are simulated to generate the corresponding reference yield curve.

[0117] In this embodiment, through the yield comparison control, the user can be provided with a comparison function of different regular fixed investment operations, and intuitively experience the comparison of the yields of fixed investment using resource configuration parameters and fixed-amount investment using periodic fixed amounts. This is helpful for users to evaluate whether the current yield of regular fixed investment operations using resource configuration parameters meets expectations.

[0118] In one embodiment, the reference rate of return determination step at a historical time point includes: determining the reference total holdings at the historical time point when regular fixed-amount investments are made according to a fixed investment amount, and determining the reference total assets at the historical time point based on the net value of the resource product at the historical time point and the reference total holdings; determining the number of investments at the historical time point, and determining the reference total amount invested at the historical time point based on the number of investments and the fixed investment amount; and determining the reference rate of return at the historical time point based on the difference between the reference total assets and the reference total amount invested.

[0119] It is understandable that the reference yield curve is simulated, so the reference total holdings cannot be statistically obtained. Therefore, the reference total holdings can be determined by calculating the subscription shares. There are two ways to calculate the subscription shares, namely method 1 and method 2. The reference total holdings can be determined by any method of method 1 and method 2.

[0120] Method 1:

[0121] Net subscription amount = subscription amount / (1+subscription fee rate)

[0122] Subscription fee = Subscription amount - Net subscription amount

[0123] Subscription shares = net subscription amount / net value of shares on T day

[0124] Method 2:

[0125] Net subscription amount = subscription amount × (1-subscription fee rate)

[0126] Subscription fee = subscription amount × subscription rate

[0127] Subscription shares = (subscription amount - subscription fee) / share face value

[0128] The subscription amount is the fixed amount mentioned above. The subscription rate, T-day share net value, and share par value are all parameters issued by the institution and can be obtained through query.

[0129] Exemplarily, after determining the reference total holdings at a historical point in time, the terminal determines the reference total assets at the historical point in time by multiplying the reference total holdings by the net value of the resource product at the historical point in time. The terminal uses the product of the number of times invested at the historical point in time and the fixed investment amount as the reference total amount invested. The difference is obtained by subtracting the reference investment amount from the reference total assets, and the ratio of the difference to the reference total assets is used as the reference rate of return at the historical point in time.

[0130] In this embodiment, by calculating the reference rate of return at each historical time point, it is possible to compare the historical rate of return determined by resource configuration parameters with the reference rate of return determined by periodic fixed amounts at the same historical time point, thereby facilitating users to evaluate the periodic delivery operations performed according to the resource configuration parameters.

[0131] In one embodiment, the method also includes: when the duration of the reference yield being higher than the historical yield being longer than a preset duration, displaying a periodic delivery operation change control in the yield viewing page; in response to a triggering operation on the periodic delivery operation change control, determining a fixed delivery amount for a periodic fixed amount delivery, and executing the periodic delivery operation according to the fixed delivery amount.

[0132] It should be noted that if the duration of the reference rate of return being higher than the historical rate of return verified at the current time point is longer than the preset duration, it means that the income from the regular delivery operation using the resource configuration parameters is not as good as the income from the regular fixed amount fixed investment. Therefore, the regular delivery operation change control is automatically displayed on the income viewing page, and in response to the triggering operation of the regular delivery operation change control, an input box for the fixed delivery amount is displayed. The default fixed delivery amount in the input box is the regular delivery basic amount. Of course, the user can enter the delivery amount according to the needs and use the input delivery amount as the fixed amount. Then, the regular fixed amount delivery operation can be performed according to the fixed delivery amount and the delivery times in the aforementioned resource configuration parameters, or the delivery times at the current time point can be determined first, and then the difference between the delivery times and the delivery times can be calculated to determine the remaining delivery times, and the remaining delivery times can be delivered according to the fixed delivery amount.

[0133] In this embodiment, when the reference rate of return is higher than the historical rate of return for a long period of time, the control is changed through the periodic delivery operation to switch to a periodic delivery operation with a fixed delivery amount to ensure the user's benefits.

[0134] In one embodiment, the method further includes: in response to resource configuration parameter modification conditions being met, displaying parameter modification controls in the revenue viewing page; in response to a triggering operation on the parameter modification controls, acquiring new resource configuration parameters, and initiating a new periodic delivery application based on the new resource configuration parameters.

[0135] The resource configuration parameter modification condition is a condition that triggers the modification of the resource configuration parameter. The resource configuration parameter modification condition may be that the duration of the current income being higher than the first income threshold reaches a preset duration, or that the duration of the current income being lower than the second income threshold reaches a preset duration, or that the trend of the historical yield curve is a preset trend, such as an upward trend, or a downward trend, etc.

[0136] The parameter modification control can be a control for modifying all parameters in the resource configuration parameters. The terminal verifies whether the resource configuration parameter modification conditions are met based on the historical yield curve in the revenue viewing page. In response to the resource configuration parameter modification conditions being met, the parameter modification control is displayed in the revenue viewing page. In response to the triggering operation on the parameter modification control, the configuration page containing the resource configuration parameters is switched. At this time, all parameters in the resource configuration parameters except the target resource product are in a modifiable state. In response to the modification operation on at least one parameter, new resource configuration parameters are obtained, and a new periodic delivery application is initiated according to the new resource configuration parameters. Fig. 9 As shown in FIG. 1 , it is a schematic diagram of modifying resource configuration parameters in an embodiment. After clicking the parameter modification control, the basic amount of regular delivery, the maximum delivery amount, the minimum delivery amount, the number of delivery times, the regular delivery cycle, the resource source and the expected resource growth rate in the configuration page are all in a modifiable state. For example, in Figure 4 On the basis of the above, re-enter the regular investment base amount as 300 yuan to obtain Fig. 9 The new resource configuration parameters are shown.

[0137] Of course, the parameter modification control can be a control for modifying a specific parameter in the resource configuration parameters. For example, there are multiple resource configuration parameter modification conditions. In response to one of the multiple resource configuration parameter modification conditions being met, the parameter modification control corresponding to the satisfied resource configuration parameter modification condition is displayed. To this end, in one embodiment, the parameter modification control includes a regular investment base amount increase control. In response to the resource configuration parameter modification condition being met, the parameter modification control is displayed in the income viewing page, including: in response to the historical yield curve trend being an upward trend, the regular investment base amount increase control is displayed in the income viewing page.

[0138] Among them, the historical yield curve trend is an upward trend, which is a resource configuration parameter modification condition, and the corresponding parameter modification control is a regular basic amount increase control. In this embodiment, when the historical yield curve trend is an upward trend, it means that the current yield is good and the market conditions of the entire market are good, and the yield can be further increased by increasing the regular basic amount.

[0139] In one embodiment, in response to a trigger operation on a parameter modification control, new resource configuration parameters are obtained, and a new periodic delivery application is initiated based on the new resource configuration parameters, including: in response to a trigger operation on a periodic delivery base amount increase control, the periodic delivery base amount is increased, and a new periodic delivery application is initiated with the increased periodic delivery base amount.

[0140] Exemplarily, in response to the triggering operation of increasing the control of the basic amount of periodic delivery, a pop-up window for increasing the periodic delivery amount is displayed, and there is an increase icon on the increase pop-up window. In response to the triggering operation of the increase icon, the basic amount of periodic delivery is increased to obtain new resource configuration parameters. A new periodic delivery application is initiated based on the new resource configuration parameters. After the new request for delivery is approved, a new periodic delivery operation is performed according to the new resource configuration parameters. The single delivery amount of the new periodic delivery operation is determined based on the total amount delivered in the historical periodic delivery cycle, the new expected total delivery amount and the expected growth rate of resources. The new expected total delivery amount is the product of the new basic amount of periodic delivery and the number of deliveries. Fig.10 As shown, it is a schematic diagram of modifying resource configuration parameters in another embodiment. After clicking the control for increasing the periodic delivery basic amount, an increase pop-up window is displayed, and the user can click the increase icon to increase the number of units based on the original periodic delivery basic amount to determine a new periodic delivery basic amount, and then replace the original periodic delivery basic amount in the original resource configuration parameter with the new periodic delivery basic amount to obtain a new resource configuration parameter.

[0141] In this embodiment, when the trend of the historical yield curve is an upward trend, the basic amount of regular investment can be flexibly increased according to the control of increasing the basic amount of regular investment to further increase the income.

[0142] In one embodiment, the method further includes displaying a periodic investment base amount reduction control in the income viewing page in response to the historical yield curve trend being a downward trend, reducing the periodic investment base amount in response to a triggering operation on the periodic investment base amount reduction control, and initiating a new periodic investment application with the reduced periodic investment base amount. In this way, when the historical yield curve trend is a downward trend, the loss can be mitigated by flexibly reducing the periodic investment base amount.

[0143] In a specific embodiment, the delivery process for the target resource product is divided into two stages: the regular delivery application stage and the regular delivery operation stage. Both stages involve the front end of the application for regular delivery in the terminal and the corresponding regular delivery platform. The specific steps are as follows:

[0144] (I) Regular application stage: Fig.11 As shown, it is a schematic diagram of the periodic delivery application step in an embodiment. The resource configuration parameters of the target resource product are set on the front end. Specifically, the front end displays the details page of the target resource product, and the details page includes a periodic delivery option based on the expected total delivery amount control; in response to the trigger operation of the periodic delivery option, the configuration page of the target resource product is displayed, and the configuration page includes an input control for the resource configuration parameters for periodic delivery. The resource configuration parameters include the expected growth rate of resources, the basic amount of periodic delivery, the account information of the delivery times, and the delivery amount range. Among them, the expected total delivery amount is the product of the basic amount of periodic delivery and the delivery times. In response to the trigger operation of the input control of the resource configuration parameter, the input resource configuration parameters are obtained, and the periodic delivery application for the target resource product is initiated according to the resource configuration parameters. The terminal sends the periodic delivery application to the periodic delivery platform. When the periodic delivery platform verifies that the periodic delivery application is passed, the periodic delivery is recorded, and specifically, the resource configuration parameters involved in the periodic delivery application are recorded. The periodic delivery platform returns the feedback information of the application passing to the terminal, thereby completing the periodic delivery application for the target resource product, and the periodic delivery operation can be performed according to the resource configuration parameters.

[0145] (II) Regular delivery operation stage:

[0146] During the execution of scheduled delivery operations, such as Fig.12The figure is a schematic diagram of the steps of the periodic delivery operation in one embodiment. The timing unit in the periodic delivery platform sends a query request to the calculation unit to check the associated periodic delivery operation and verify whether the periodic delivery cycle is met on the current day. If so, the information of executing the deposit is sent to the calculation unit in the periodic delivery platform to determine the single delivery amount of the current periodic delivery cycle. The specific steps include:

[0147] When the current regular delivery cycle is not the last regular delivery cycle, the remaining average delivery amount is determined based on the difference between the expected total delivery amount and the total delivery amount of the historical regular delivery cycles; the current total holdings of the target resource product and the net value of the resource product are determined.

[0148] The product of the current total holdings and the net value of resource products is taken as the current total assets; based on the expected growth rate of resources and the single amount of each historical regular release cycle, the assets of each historical regular release cycle are estimated to obtain the estimated assets of each historical regular release cycle, and the estimated assets of each historical regular release cycle are superimposed to obtain the estimated total assets; the estimated total assets are subtracted from the current total assets to obtain the current income deviation. Determine the amount deduction ratio corresponding to the current income deviation, and the current income deviation is inversely proportional to the amount deduction ratio; the product of the amount deduction ratio and the remaining average release amount is taken as the pending release amount.

[0149] If the pending investment amount is verified to be within the investment amount range, check whether the pending investment amount exceeds the difference. If the pending investment amount is less than or equal to the difference, the pending investment amount is used as the single investment amount of the current regular investment cycle. If the pending investment amount is less than the lower limit investment amount of the investment amount range, the lower limit investment amount is used as the single investment amount of the current regular investment cycle; if the pending investment amount is greater than the upper limit investment amount of the investment amount range, the upper limit investment amount is used as the single investment amount of the current regular investment cycle.

[0150] The calculation unit generates deduction information based on the account information and the single investment amount, and sends it to the payment server to instruct the payment server to deduct the single investment amount from the account information according to the deduction information, and returns the deduction completion information to the calculation unit to instruct the calculation unit to generate and record the purchase order corresponding to the deduction information based on the deduction completion information, and return the investment completion information of the current regular investment cycle to the timing unit.

[0151] Next, during the periodic delivery operation, the method further includes: in response to the triggering operation of the periodic delivery viewing control, displaying the revenue viewing page for the target resource product, the revenue viewing page includes the historical yield curve corresponding to the periodic delivery application, and the historical yield curve is used to display the historical yield at the historical time point after the periodic delivery operation is performed. Among them, the historical yield determination step at the historical time point includes: determining the total assets at the historical time point based on the total shares currently held and the net value of the resource product at the historical time point; determining the historical yield at the historical time point based on the difference between the total assets at the historical time point and the total amount already delivered.

[0152] The above-mentioned profit viewing page also includes historical investment records, and the historical investment records include the single investment amount of each historical regular investment cycle; therefore, the method also includes: in response to the selection operation of the target single investment amount in the historical investment record, the historical yield line segment corresponding to the target single investment amount is displayed in the historical yield curve, and the historical yield line segment includes the historical yield at each historical time point after the investment is made according to the target single investment amount.

[0153] The above-mentioned income viewing page also includes an income comparison control, and thus, the method also includes: in response to the triggering operation of the income comparison control in the income viewing page, displaying the historical yield curve and the reference yield curve in the same period in the income viewing page, and the reference yield curve is used to display the reference yield at the historical time point when simulating the fixed amount of regular fixed amount of investment. Among them, the reference yield determination step at the historical time point includes: when the fixed amount of investment is made regularly, the reference total holding share at the historical time point is determined, and the reference total assets at the historical time point are determined according to the net value of the resource product at the historical time point and the reference total holding share; determine the number of investments at the historical time point, and determine the reference total amount of investment at the historical time point according to the number of investments and the fixed amount of investment; determine the reference yield at the historical time point according to the difference between the reference total assets and the reference total amount of investment.

[0154] The above-mentioned income viewing page can also provide a regular delivery modification operation, whereby the method further includes: when the duration of the reference yield being higher than the historical yield is longer than the preset duration, displaying a regular delivery operation change control in the income viewing page; in response to the triggering operation of the regular delivery operation change control, determining the fixed delivery amount for regular fixed amount delivery, and performing the regular delivery operation according to the fixed delivery amount. Of course, it can also be: in response to the resource configuration parameter modification condition being met, displaying the parameter modification control in the income viewing page; in response to the triggering operation of the parameter modification control, obtaining new resource configuration parameters, and initiating a new regular delivery application according to the new resource configuration parameters. For example, the parameter modification control includes a regular delivery basic amount increase control, and in response to the historical yield curve trend being an upward trend, displaying a regular delivery basic amount increase control in the income viewing page; in response to the triggering operation of the regular delivery basic amount increase control, increasing the regular delivery basic amount, and initiating a new regular delivery application with the increased regular delivery basic amount.

[0155] In this embodiment, by displaying the configuration page of the target resource product, the user can set the resource configuration parameters by himself according to the needs through the input control of the resource configuration parameters of the target resource product in the configuration page. The resource configuration parameters include the expected growth rate of resources, the basic amount of regular delivery and the number of delivery. In response to the trigger operation of the input control of the resource configuration parameter, the input resource configuration parameter is obtained. Then, according to the resource configuration parameter, a regular delivery application for the target resource product is initiated. When the regular delivery application is passed, the regular delivery operation is performed according to the resource configuration parameter. The single delivery amount of the regular delivery operation is determined according to the total amount of delivery in the historical regular delivery cycle, the expected total delivery amount and the expected growth rate of resources. The expected total delivery amount is the product of the regular delivery basic amount and the delivery number. In this way, while flexibly configuring the single delivery amount of the regular delivery operation, the expected total delivery amount of the regular delivery is also effectively controlled to improve the user experience of the regular delivery.

[0156] The processing method of resource products provided in this application can be applied to any regular delivery scenario, for example, in regular delivery scenarios such as funds, stocks, and fund portfolios. The following takes the regular delivery scenario of funds as an example for explanation, and displays the configuration page of the target fund, which includes input controls for resource configuration parameters of the target fund, and the resource configuration parameters include the expected resource growth rate, the regular delivery base amount, and the number of deliveries; in response to the trigger operation of the input control of the resource configuration parameter, the input resource configuration parameter is obtained, and a regular delivery application for the target fund is initiated according to the resource configuration parameter. If the regular delivery application is approved, the regular delivery operation is performed according to the resource configuration parameter. The single delivery amount of the regular delivery operation is determined according to the total amount delivered in the historical regular delivery cycle, the expected total delivery amount, and the expected resource growth rate. The expected total delivery amount is the product of the regular delivery base amount and the delivery number.

[0157] 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.

[0158] Based on the same inventive concept, the embodiment of the present application also provides a resource product processing device for implementing the resource product processing method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in the embodiment of the processing device for one or more resource products provided below can refer to the limitations of the resource product processing method above, and will not be repeated here.

[0159] In an exemplary embodiment, Fig.13 As shown, a resource product processing device 1300 is provided, including: a configuration page display module 1302 and a delivery operation execution module 1304, wherein:

[0160] The configuration page display module 1302 is used to display the configuration page of the target resource product, the configuration page includes input controls for resource configuration parameters of the target resource product, the resource configuration parameters include the expected resource growth rate, the regular delivery base amount and the delivery frequency;

[0161] The delivery operation execution module 1304 is used to respond to the trigger operation of the input control of the resource configuration parameter, obtain the input resource configuration parameter, initiate a periodic delivery application for the target resource product according to the resource configuration parameter, and execute the periodic delivery operation according to the resource configuration parameter when the periodic delivery application is approved. The single delivery amount of the periodic delivery operation is determined according to the total delivery amount of the historical periodic delivery cycle, the expected total delivery amount and the expected growth rate of the resources. The expected total delivery amount is the product of the periodic delivery base amount and the number of deliveries.

[0162] In some embodiments, the configuration page display module 1302 is used to display the details page of the target resource product, the details page includes a periodic delivery option controlled based on the expected total delivery amount; in response to a trigger operation on the periodic delivery option, the configuration page of the target resource product is displayed, the configuration page includes input controls for resource configuration parameters for periodic delivery.

[0163] In some embodiments, the resource product processing device also includes: a single investment amount determination module, which is used to determine the remaining average investment amount based on the difference between the expected total investment amount and the total investment amount in the historical regular investment cycle when the current regular investment cycle is not the last regular investment cycle; determine the current total holdings of the target resource product and the net value of the resource product, and determine the current profit deviation based on the current total holdings, the net value of the resource product and the expected growth rate of the resources; determine the pending investment amount based on the remaining average investment amount and the current profit deviation, the pending investment amount is negatively correlated with the current profit deviation, and the pending investment amount is positively correlated with the remaining average investment amount; when the pending investment amount is less than or equal to the difference, the pending investment amount is used as the single investment amount of the current regular investment cycle.

[0164] In some embodiments, a single investment amount determination module is used to take the product of the current total shares held and the net value of the resource product as the current total assets; estimate the assets of each historical regular investment cycle based on the expected growth rate of resources and the single investment amount of each historical regular investment cycle to obtain the estimated assets of each historical regular investment cycle, and superimpose the estimated assets of each historical regular investment cycle to obtain the estimated total assets; subtract the estimated total assets from the current total assets to obtain the current return deviation.

[0165] In some embodiments, a single investment amount determination module is used to determine the amount deduction ratio corresponding to the current revenue deviation, and the current revenue deviation is inversely proportional to the amount deduction ratio; the product of the amount deduction ratio and the remaining average investment amount is used as the pending investment amount.

[0166] In some embodiments, the resource configuration parameters also include an investment amount range, and the resource product processing device also includes: an investment amount verification module, which is used to verify whether the pending investment amount exceeds the difference when it is verified that the pending investment amount is within the investment amount range.

[0167] In some embodiments, the investment amount verification module is used to use the lower limit investment amount as the single investment amount of the current regular investment cycle when the pending investment amount is less than the lower limit investment amount of the investment amount range; and to use the upper limit investment amount as the single investment amount of the current regular investment cycle when the pending investment amount is greater than the upper limit investment amount of the investment amount range.

[0168] In some embodiments, the processing device for resource products also includes: a revenue viewing page display module, which is used to display a revenue viewing page about the target resource product in response to a trigger operation on a periodic delivery view control, and the revenue viewing page includes a historical yield curve corresponding to the periodic delivery application, and the historical yield curve is used to display the historical yield at a historical time point after executing the periodic delivery operation.

[0169] In some embodiments, the resource product processing device also includes: a rate of return determination module, which is used to determine the total assets at a historical time point based on the total shares currently held and the net value of the resource product at the historical time point; and determine the historical rate of return at the historical time point based on the difference between the total assets at the historical time point and the total amount invested.

[0170] In some embodiments, the revenue viewing page also includes historical investment records, and the historical investment records include the single investment amount of each historical regular investment cycle; the processing device of the resource product also includes: a revenue viewing module, which is used to respond to the selection operation of the target single investment amount in the historical investment record, and display the historical yield line segment corresponding to the target single investment amount in the historical yield curve, and the historical yield line segment includes the historical yield at each historical time point after the investment is made according to the target single investment amount.

[0171] In some embodiments, the processing device for resource products also includes: a yield comparison module, which is used to respond to the trigger operation of the yield comparison control in the yield viewing page, and display the historical yield curve and the reference yield curve in the same period in the yield viewing page, and the reference yield curve is used to display the reference yield at the historical time point when simulating a regular and fixed amount of investment.

[0172] In some embodiments, the rate of return determination module is also used to determine the reference total holdings at a historical time point when regular and fixed investment amounts are invested, and determine the reference total assets at the historical time point based on the net value of the resource products at the historical time point and the reference total holdings; determine the number of investments at the historical time point, and determine the reference total amount invested at the historical time point based on the number of investments and the fixed investment amount; and determine the reference rate of return at the historical time point based on the difference between the reference total assets and the reference total amount invested.

[0173] In some embodiments, the processing device for resource products also includes: an investment operation change module, which is used to display a regular investment operation change control in the income viewing page when the reference rate of return is higher than the historical rate of return for a period longer than a preset period of time; in response to a trigger operation on the regular investment operation change control, determine a fixed investment amount for regular fixed amount investment, and perform regular investment operations according to the fixed investment amount.

[0174] In some embodiments, the processing device for resource products also includes: a delivery application initiation module, which is used to display parameter modification controls in the revenue viewing page in response to the resource configuration parameter modification conditions being met; in response to the triggering operation of the parameter modification controls, obtain new resource configuration parameters, and initiate new periodic delivery applications based on the new resource configuration parameters.

[0175] In some embodiments, the parameter modification control includes a periodic investment basic amount increase control and an investment application initiation module for displaying the periodic investment basic amount increase control on the yield viewing page in response to the historical yield curve trend being an upward trend; and the investment application initiation module for increasing the periodic investment basic amount in response to a triggering operation on the periodic investment basic amount increase control, and initiating a new periodic investment application with the increased periodic investment basic amount.

[0176] Each module in the processing device of the resource product can be implemented in whole or in part by software, hardware, or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute operations corresponding to each module.

[0177] In an exemplary embodiment, a computer device is provided. The computer device may be a server or a terminal. The internal structure diagram thereof may be as follows: Fig.14As shown. The computer device includes a processor, a memory, an input / output interface (Input / Output, referred to as I / O) and a communication interface. The processor, the memory and the input / output interface are connected through a system bus, and the communication interface is connected to the system bus through the input / output interface. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The input / output interface of the computer device is used to exchange information between the processor and an external device. The communication interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, a method for processing a resource product is implemented.

[0178] Those skilled in the art will understand that Fig.14 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0179] In one embodiment, a computer device is further provided, including a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps in the above method embodiments when executing the computer program.

[0180] 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.

[0181] In one embodiment, a computer program product is provided, including a computer program, which implements the steps in the above method embodiments when executed by a processor.

[0182] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant regulations.

[0183] A person of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment method can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in the present application can include at least one of non-volatile memory and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, an artificial intelligence (AI) processor, etc., but are not limited to this.

[0184] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this application.

[0185] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be construed as limiting the scope of the present application. It should be noted that, for a person of ordinary skill in the art, several modifications and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A method for processing resource products, characterized in that: The method comprises: Displaying a configuration page of a target resource product, the configuration page including input controls for resource configuration parameters of the target resource product, the resource configuration parameters including an expected resource growth rate, a regular delivery base amount, and delivery times; In response to a trigger operation on an input control of the resource configuration parameter, the input resource configuration parameter is obtained, and a periodic delivery application for the target resource product is initiated according to the resource configuration parameter. When the periodic delivery application is approved, a periodic delivery operation is performed according to the resource configuration parameter. The single delivery amount of the periodic delivery operation is determined based on the total delivery amount of the historical periodic delivery cycle, the expected total delivery amount, and the expected growth rate of the resource. The expected total delivery amount is the product of the periodic delivery base amount and the number of deliveries.

2. The method according to claim 1, characterized in that The configuration page for displaying the target resource product includes: Displaying a detail page of a target resource product, wherein the detail page includes a periodic delivery option controlled based on an expected total delivery amount; In response to a triggering operation on the periodic delivery option, a configuration page of the target resource product is displayed, wherein the configuration page includes an input control for resource configuration parameters for periodic delivery.

3. The method according to claim 1, characterized in that The step of determining a single delivery amount of the periodic delivery operation according to the total delivered amount in the historical periodic delivery cycle, the expected total delivery amount and the expected growth rate of the resource comprises: In the case where the current regular delivery cycle is not the last regular delivery cycle, determining the remaining average delivery amount based on the difference between the expected total delivery amount and the total delivery amount of the historical regular delivery cycle; Determine the current total share of the target resource product and the net value of the resource product, and determine the current return deviation based on the current total share, the net value of the resource product and the expected growth rate of the resource; Based on the remaining average investment amount and the current revenue deviation, determining a pending investment amount, wherein the pending investment amount is negatively correlated with the current revenue deviation, and the pending investment amount is positively correlated with the remaining average investment amount; When the pending delivery amount is less than or equal to the difference, the pending delivery amount is used as the single delivery amount of the current regular delivery cycle.

4. The method according to claim 3, characterized in that The determining of the current return deviation based on the total current holdings, the net value of the resource products and the expected growth rate of the resources includes: The product of the total current holdings and the net value of the resource products is taken as the current total assets; According to the expected growth rate of the resources and the single delivery amount of each historical regular delivery cycle, the assets of each historical regular delivery cycle are estimated to obtain the estimated assets of each historical regular delivery cycle, and the estimated assets of each historical regular delivery cycle are superimposed to obtain the estimated total assets; The current return deviation is obtained by subtracting the estimated total assets from the current total assets.

5. The method according to claim 3, characterized in that: The step of determining the pending investment amount based on the remaining average investment amount and the current revenue deviation includes: Determine an amount deduction ratio corresponding to the current income deviation, wherein the current income deviation is inversely proportional to the amount deduction ratio; The product of the amount deduction ratio and the remaining average investment amount is taken as the pending investment amount.

6. The method according to claim 3, characterized in that The resource configuration parameter also includes an investment amount range. When the pending investment amount is less than or equal to the difference, before using the pending investment amount as the single investment amount of the current regular investment cycle, the method further includes: When it is verified that the pending investment amount is within the investment amount range, it is verified whether the pending investment amount exceeds the difference.

7. The method according to claim 6, characterized in that The method further comprises: If the pending delivery amount is less than the lower limit delivery amount of the delivery amount range, the lower limit delivery amount is used as the single delivery amount of the current regular delivery cycle; In the case that the pending investment amount is greater than the upper limit investment amount of the investment amount range, the upper limit investment amount is used as the single investment amount of the current regular investment cycle.

8. The method according to claim 1, characterized in that: The method further comprises: In response to a trigger operation on a periodic delivery viewing control, a revenue viewing page for the target resource product is displayed, the revenue viewing page including a historical yield curve corresponding to the periodic delivery application, the historical yield curve being used to display the historical yields at historical time points after executing the periodic delivery operation.

9. The method according to claim 8, characterized in that The steps for determining the historical rate of return at the historical time point include: Determine the total assets at the historical time point based on the total shares currently held and the net value of resource products at the historical time point; The historical rate of return at the historical time point is determined based on the difference between the total assets at the historical time point and the total amount invested.

10. The method according to claim 8, characterized in that The revenue viewing page also includes a historical delivery record, and the historical delivery record includes a single delivery amount in each historical regular delivery cycle; the method also includes: In response to a selection operation on the target single investment amount in the historical investment record, a historical yield line segment corresponding to the target single investment amount is displayed in the historical yield curve, and the historical yield line segment includes the historical yields at various historical time points after the target single investment amount is invested.

11. The method according to claim 8, characterized in that The method further comprises: In response to a triggering operation on a yield comparison control in the yield viewing page, a historical yield curve and a reference yield curve for the same period are displayed in the yield viewing page, and the reference yield curve is used to display a reference yield at the historical time point when simulating regular and fixed-amount delivery with a fixed delivery amount.

12. The method according to claim 11, characterized in that The steps for determining the reference rate of return at the historical time point include: When making regular fixed-amount investments according to a fixed investment amount, determine the reference total holdings at the historical time point, and determine the reference total assets at the historical time point based on the net value of the resource products at the historical time point and the reference total holdings; Determine the number of times the ads have been placed at the historical time point, and determine a reference total amount of ads at the historical time point based on the number of times the ads have been placed and the fixed amount of ads; A reference rate of return at the historical time point is determined based on the difference between the reference total assets and the reference total invested amount.

13. The method according to claim 11, characterized in that The method further comprises: When the duration of the reference yield being higher than the historical yield is longer than a preset duration, a control for changing the periodic delivery operation is displayed on the yield viewing page; In response to a triggering operation on the periodic delivery operation modification control, a fixed delivery amount for periodic fixed delivery is determined, and the periodic delivery operation is performed according to the fixed delivery amount.

14. The method according to claim 8, characterized in that The method further comprises: In response to a resource configuration parameter modification condition being satisfied, displaying a parameter modification control in the revenue viewing page; In response to the triggering operation on the parameter modification control, new resource configuration parameters are obtained, and a new periodic delivery application is initiated according to the new resource configuration parameters.

15. The method according to claim 14, characterized in that The parameter modification control includes a control for increasing the base amount of regular delivery. In response to the resource configuration parameter modification condition being met, the parameter modification control is displayed in the revenue viewing page, including: In response to the historical yield curve trend being an upward trend, displaying a periodic delivery base amount increase control in the yield viewing page; The step of obtaining new resource configuration parameters in response to the triggering operation on the parameter modification control and initiating a new periodic delivery application according to the new resource configuration parameters includes: In response to a triggering operation on the periodic delivery basic amount increase control, the periodic delivery basic amount is increased, and a new periodic delivery application is initiated with the increased periodic delivery basic amount.

16. A resource product processing device, characterized in that: The device comprises: A configuration page display module, used to display a configuration page of a target resource product, wherein the configuration page includes input controls for resource configuration parameters of the target resource product, wherein the resource configuration parameters include an expected resource growth rate, a regular delivery base amount, and delivery times; The delivery operation execution module is used to respond to the trigger operation of the input control of the resource configuration parameter, obtain the input resource configuration parameter, initiate a periodic delivery application for the target resource product according to the resource configuration parameter, and execute the periodic delivery operation according to the resource configuration parameter when the periodic delivery application is approved. The single delivery amount of the periodic delivery operation is determined according to the total delivery amount of the historical periodic delivery cycle, the expected total delivery amount and the expected growth rate of the resource. The expected total delivery amount is the product of the periodic delivery base amount and the number of deliveries.

17. 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 15 are implemented.

18. 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 15 are implemented.

19. 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 15 are implemented.

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