Cross-investment category position conversion method, device and equipment and storage medium

Abstract

The invention discloses a cross-investment category position conversion method, device and equipment and a storage medium, and relates to the technical field of investment product management, and the method comprises the steps: obtaining original position product information and target position product information; determining a product conversion mode based on the original position product information and the target position product information, and performing product conversion on the original position product information based on the product conversion mode to determine transaction behavior characteristics; and controlling a system to complete a transaction plan based on the target position product information and the transaction behavior characteristics. Product conversion is carried out by automatically acquiring product information and determining a proper product conversion mode, so that a transaction behavior characteristic control system intelligently completes a transaction plan, human errors are reduced through automatic control, the optimal transaction opportunity is grasped, the fund utilization rate and investment income are improved, the conversion process is simplified, and the conversion success rate is improved. And the quota is applied in advance to purchase hot products, so that the revenue maximization is realized, and the customer satisfaction is remarkably improved.

Description

Technical Field

[0001] The present application relates to the technical field of investment product management, and in particular to methods, devices, equipment and storage media for converting positions across investment categories. Background Art

[0002] In the field of investment product management, clients often need to switch funds between different investment products to optimize asset allocation or pursue higher investment returns. This conversion usually involves transferring funds from one product, such as stocks, bonds and funds, to another. With the development of financial markets and the diversification of investment products, clients are facing more and more choices, and the demand for cross-investment position conversion is also increasing. In order to better serve customers, improving the efficiency of fund use and investment returns is a must.

[0003] Currently, the existing practice is that when customers switch positions across investment categories, they must manually manage the redemption and subscription process of different products. They need to understand the trading cycle, redemption settlement time and purchase confirmation status of each product, and manually perform redemption and subscription operations.

[0004] However, the existing practices are not only time-consuming and labor-intensive, but also due to the lack of automated processes and real-time monitoring, it is difficult for customers to accurately grasp the best buying and selling points, resulting in low investment efficiency. Since each product has a unique trading cycle, it is difficult for customers to accurately grasp the best buying and selling points, resulting in missed opportunities to increase yields. There are also transaction delays, which take several days, making it difficult for customers to redeem and purchase transactions at the best time, increasing the possibility of missing high-yield transactions. At the same time, some popular products have quota restrictions, and customers may not be able to purchase new products immediately after redeeming old products, resulting in funds being temporarily idle in low-yield current accounts, affecting overall returns and reducing customer satisfaction. Therefore, how to more conveniently and efficiently convert positions across investment categories has become an urgent problem to be solved.

[0005] The above contents are only used to assist in understanding the technical solution of the present application and do not constitute an admission that the above contents are prior art. Summary of the invention

[0006] The main purpose of this application is to provide a method, device, equipment and storage medium for cross-investment category position conversion, aiming to solve the technical problem of how to more conveniently and efficiently perform cross-investment category position conversion.

[0007] To achieve the above purpose, the present application proposes a method for converting positions across investment categories, the method comprising:

[0008] Obtain information about the original and target holding products;

[0009] Determine a product conversion method based on the original holding product information and the target holding product information, and perform product conversion on the original holding product information based on the product conversion method to determine transaction behavior characteristics;

[0010] The control system completes the trading plan based on the target holding product information and the trading behavior characteristics.

[0011] In one embodiment, the step of obtaining the original holding product information and the target holding product information includes:

[0012] Obtain the original holdings’ real-time arrival product information, the original holdings’ delayed arrival product information, the original holdings’ redemption initiation date, the original holdings’ redemption date, the target holdings’ daily confirmation product information, the target holdings’ last-day confirmation product information, the target holdings’ quota information, the target holdings’ purchase start date, and the target holdings’ purchase end date;

[0013] Determine the original holding product information based on the original holding real-time arrival product information, the original holding delayed arrival product information, the original holding product redemption initiation date, and the original holding product redemption date;

[0014] The target holding product information is determined based on the target holding daily confirmation product information, the target holding last-day confirmation product information, the target holding product quota information, the target holding product purchase start date and the target holding product purchase end date.

[0015] In one embodiment, the step of determining the product conversion method based on the original holding product information and the target holding product information includes:

[0016] When the original holding product information is the original holding real-time account arrival product information, the product conversion method is selected as the real-time account arrival conversion method, and the real-time account arrival conversion method includes the target product purchase start date conversion method and the target product purchase end date conversion method;

[0017] When the original holding product information is the original holding delayed arrival product information, the product conversion method is selected as the delayed arrival conversion method, and the delayed arrival conversion method includes a product forward conversion method and a product reverse conversion method.

[0018] In one embodiment, when the original holding product information is the original holding delayed arrival product information, the step of selecting the product conversion mode as the delayed arrival conversion mode includes:

[0019] When the original holding product information is the original holding delayed arrival product information and the target holding product information is the target holding daily confirmation product information, the purchase start date of the target holding product shall be the redemption date of the original holding product;

[0020] When the original holding product information is the original holding delayed arrival product information and the target holding product information is the target holding last-day confirmation product information, the purchase deadline of the target holding product shall be used as the redemption date of the original holding product;

[0021] The delayed account conversion method is determined based on the redemption date of the original holding product.

[0022] In one embodiment, the step of determining the delayed account transfer method based on the redemption date of the original position product includes:

[0023] Obtaining a target date, wherein the target date includes a current date and a product closing date;

[0024] When the redemption date of the original holding product does not match the target date, the delayed account conversion method is the product forward conversion method;

[0025] When the redemption date of the original holding product matches the target date, the delayed account conversion method is the product reverse conversion method.

[0026] In one embodiment, the step of performing product conversion on the original position product information based on the product conversion method to determine the transaction behavior characteristics includes:

[0027] When the product conversion method is the target product purchase start date conversion method, redemption and purchase are initiated based on the target holding product purchase start date in the target holding product information, and the transaction behavior characteristics are obtained as transaction redemption and purchase;

[0028] When the product conversion method is a target product purchase deadline conversion method, redemption and purchase are initiated based on the target holding product purchase deadline in the target holding product information, and the transaction behavior characteristics are transaction redemption and purchase;

[0029] When the product conversion mode is a product forward conversion mode, the original position product arrival date is calculated based on the redemption date of the original position product in the original position product information, and the transaction behavior characteristic is transaction freezing. The target position product purchase start date is forward calculated based on the original position product arrival date, and the transaction behavior characteristic is transaction unfreezing and purchase.

[0030] When the product conversion method is the product reverse conversion method, the arrival date of the original holding product is calculated based on the purchase start date of the target holding product and the purchase end date of the target holding product, and the redemption date of the original holding product is reversely calculated based on the arrival date of the original holding product. If the redemption date of the original holding product matches the arrival date of the original holding product, the redemption date of the original holding product is used as the redemption initiation date of the original holding product, and the arrival date of the original holding product is used as the purchase start date of the target holding product, and redemption and purchase are initiated, and the transaction behavior characteristics are transaction redemption and purchase.

[0031] In one embodiment, the step of controlling the trading plan based on the target holding product information and the trading behavior characteristics comprises:

[0032] Determine new position product information based on the quota information and transaction behavior characteristics in the target position product information;

[0033] The trading plan is completed based on the new position product information control system.

[0034] In addition, to achieve the above-mentioned purpose, the present application also proposes a cross-investment category position conversion device, the cross-investment category position conversion device comprising:

[0035] The acquisition module is used to obtain the original position product information and the target position product information;

[0036] A processing module, configured to determine a product conversion method based on the original position product information and the target position product information, and perform product conversion on the original position product information based on the product conversion method to determine transaction behavior characteristics;

[0037] An execution module is used to control the control system to complete the transaction plan based on the target holding product information and the transaction behavior characteristics.

[0038] In addition, to achieve the above-mentioned purpose, the present application also proposes a cross-investment category position conversion device, which includes: a memory, a processor, and a computer program stored on the memory and executable on the processor, and the computer program is configured to implement the steps of the cross-investment category position conversion method as described above.

[0039] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by the processor, the steps of the cross-investment category position conversion method as described above are implemented.

[0040] One or more technical solutions proposed in this application have at least the following technical effects:

[0041] The present application proposes a method for converting positions across investment categories, which obtains the original position product information and the target position product information; determines the product conversion method based on the original position product information and the target position product information, and determines the transaction behavior characteristics by performing product conversion on the original position product information based on the product conversion method; and controls the system to complete the transaction plan based on the target position product information and the transaction behavior characteristics. The present application automatically obtains the original position product information and the target position product information, thereby determining the appropriate product conversion method to convert the original position product, and clarifies the transaction behavior characteristics so that the control system intelligently completes the transaction plan. Through automated control, human errors are reduced, customer satisfaction is effectively enhanced, the best trading opportunities are grasped, and capital utilization and investment returns are improved. The conversion process is simplified, the conversion success rate is improved, and the purchase of popular product resources by applying for quotas in advance is maximized, which significantly improves customer satisfaction. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0043] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0044] Figure 1 A flowchart diagram of the first embodiment of the method for converting positions across investment categories of this application;

[0045] Figure 2 This is a product information diagram of the cross-investment category position conversion method for this application;

[0046] Figure 3 A flow chart of the second embodiment of the method for converting positions across investment categories of this application;

[0047] Figure 4 This is a schematic diagram of the forward conversion process for the cross-investment category position conversion method for this application;

[0048] Figure 5 A schematic diagram of the reverse conversion process for the cross-investment category position conversion method for this application;

[0049] Figure 6 A flowchart diagram of the third embodiment of the method for converting positions across investment categories of this application;

[0050] Figure 7A schematic diagram of a simplified process of a method for converting positions across investment categories provided in an embodiment of the present application;

[0051] Figure 8 This is a schematic diagram of the module structure of the device for converting positions across investment categories according to an embodiment of the present application;

[0052] Fig. 9 Schematic diagram of the device structure of the hardware operating environment involved in the cross-investment category position conversion method in the embodiment of the present application.

[0053] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0054] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0055] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0056] The main solution of the embodiment of the present application is: to obtain the original holding product information and the target holding product information; to determine the product conversion method based on the original holding product information and the target holding product information, and to determine the transaction behavior characteristics by performing product conversion on the original holding product information based on the product conversion method; and to control the control system to complete the transaction plan based on the target holding product information and the transaction behavior characteristics.

[0057] In this embodiment, for ease of description, the following description is made with the identification of cross-investment category position conversion equipment as the execution subject.

[0058] Because existing technologies are not only time-consuming and labor-intensive, but also lack automated processes and real-time monitoring, it is difficult for customers to accurately grasp the best buying and selling points, resulting in low investment efficiency. Since each product has a unique trading cycle, it is difficult for customers to accurately grasp the best buying and selling points, resulting in missed opportunities to increase returns. In addition, there are transaction delays that take several days, making it difficult for customers to redeem and purchase transactions at the best time, increasing the possibility of missing out on high-yield transactions. At the same time, some popular products have quota limits. Customers may not be able to purchase new products immediately after redeeming old products, resulting in funds temporarily idle in low-yield current accounts, affecting overall returns and reducing customer satisfaction.

[0059] The present application provides a solution, which obtains original holding product information and target holding product information; determines a product conversion method based on the original holding product information and the target holding product information, and performs product conversion on the original holding product information based on the product conversion method to determine transaction behavior characteristics; and controls the system to complete the transaction plan based on the target holding product information and the transaction behavior characteristics.

[0060] It can be seen from the above embodiments that the present application automatically obtains the original holding product information and the target holding product information, thereby determining the appropriate product conversion method to convert the original holding product, clarifying the transaction behavior characteristics and controlling the system to intelligently complete the transaction plan, reducing human errors through automated control, effectively enhancing customer satisfaction, grasping the best trading opportunities, improving capital utilization and investment returns, and simplifying the conversion process, improving the conversion success rate, and maximizing profits by applying for quotas in advance to purchase popular product resources, significantly improving customer satisfaction.

[0061] Based on this, the present application embodiment provides a method for converting positions across investment categories. Figure 1 , Figure 1 This is a flow chart of the first embodiment of the method for converting positions across investment categories of the present application.

[0062] In this embodiment, the cross-investment category position conversion method includes steps S10 to S30:

[0063] Step S10, obtaining information of the original holding product and information of the target holding product;

[0064] It should be noted that the original holding product information reflects the characteristics of the funds for redeeming the original holding products, and the target holding product information reflects the characteristics of the planned use of funds to purchase new products.

[0065] It can be understood that the original holding product information can represent the arrival time of the product redemption funds, which is used to distinguish between real-time and delayed arrival products, so as to use different conversion rules to convert the redemption funds into other investment products, and provide the specific time points of the redemption initiation date and the redemption date to help the system determine the execution time of the redemption operation, so as to plan the fund conversion path, and include the product type and transaction cycle to ensure that the funds can be converted to the target product at the appropriate time to achieve the best investment timing and returns. At the same time, the original holding product information can include any specific transaction restrictions and conditions, such as minimum holding period and early redemption fees, to more accurately adjust other conversion strategies and improve fund utilization and investment returns.

[0066] In addition, it should be noted that the target holding product information can characterize the product characteristics of the target product, such as daily confirmation and last-day confirmation. The daily confirmation indicates that the product will be confirmed every day after purchase, allowing investors to confirm their investment every day. The last-day confirmation indicates that the product will be confirmed once on a specific date, such as the end of the month or the end of the quarter. The target holding product quota information can ensure that when the quota of popular products is limited, users have sufficient quota to buy popular products, and provide the start date and end date of purchase to facilitate the planning of fund conversion and investment opportunities. At the same time, the original holding product information may include any specific transaction restrictions and conditions, such as purchase restrictions and fee structures, to more accurately adjust other conversion strategies and improve fund utilization and investment returns.

[0067] For ease of understanding, the example of obtaining the original holding product information and the target holding product information is used for explanation, wherein the information collection device is an information collection module, and the storage device is a memory.

[0068] The information collection module obtains the original holding real-time arrival product information, the original holding delayed arrival product information, the original holding product redemption initiation date, the original holding product redemption date, the target holding daily confirmation product information, the target holding last day confirmation product information, the target holding product quota information, the target holding product purchase start date and the target holding product purchase end date, and determines the original holding product information based on the original holding real-time arrival product information, the original holding delayed arrival product information, the original holding product redemption initiation date and the original holding product redemption date, and determines the target holding product information based on the target holding daily confirmation product information, the target holding last day confirmation product information, the target holding product quota information, the target holding product purchase start date and the target holding product purchase end date. Figure 2 As shown, Figure 2 This is a product information diagram of the cross-investment category position conversion method of this application, wherein A1 and A2 refer to the original products before conversion, that is, the original holding product information, which only focuses on redemption features, and B1 and B2 refer to the new products after conversion, that is, the target holding product information, which only focuses on purchase features. The original holding product information and the target holding product information are stored in a memory, and subsequent processing is performed based on the original holding product information and the target holding product information.

[0069] In a feasible implementation, step S10 may include steps A11 to A13:

[0070] Step A11, obtaining the original holding real-time arrival product information, the original holding delayed arrival product information, the original holding product redemption initiation date, the original holding product redemption date, the target holding daily confirmation product information, the target holding last day confirmation product information, the target holding product quota information, the target holding product purchase start date and the target holding product purchase end date;

[0071] It should be noted that the real-time arrival product information of the original holdings reflects the feature that the redemption funds of the product are immediately received on the trading day, the delayed arrival product information of the original holdings reflects the feature that the redemption funds of the product are received after a certain period of time, the redemption initiation date of the original holdings reflects the feature of the specific date on which the customer can initiate the redemption operation, the redemption date of the original holdings reflects the feature of the specific date on which the product actually completes the redemption and releases the funds, the daily confirmation product information of the target holdings reflects the feature that the product is confirmed every day after purchase, the last-day confirmation product information of the target holdings reflects the feature that the product is confirmed once after purchase, the quota information of the target holdings reflects the product quota that can be purchased by early subscription, the purchase start date of the target holdings reflects the feature of the earliest date allowed to purchase the target product, and the purchase end date of the target holdings reflects the feature of the last date allowed to purchase the target product.

[0072] It is understandable that by accurately matching the redemption settlement time and purchase opportunity, it is possible to ensure efficient use of funds during the conversion process, reduce idle funds, and improve overall investment returns. Clear target holding product purchase time windows and quota limits can help customers and systems make more reasonable fund allocation decisions when converting funds, avoiding losses due to insufficient quotas or missed purchase opportunities.

[0073] Step A12, determining the original holding product information based on the original holding real-time arrival product information, the original holding delayed arrival product information, the original holding product redemption initiation date, and the original holding product redemption date;

[0074] It is understandable that the information of the original holding products can be used to obtain the speed of fund arrival, manage fund liquidity more effectively, ensure that funds are available when needed, and clarify the specific time point of redemption operations, which will help investors grasp the best investment opportunities and improve fund utilization. By accurately matching the redemption time of the original holding products and the purchase time of the target products, it can reduce the idle time of funds, reduce transaction costs and market risks, and provide an accurate fund conversion schedule to help customers better plan their investment strategies and improve customer satisfaction. At the same time, the redemption time and transaction cycle of the original holding products can be clarified, which will help improve the compliance and transparency of transactions and reduce potential disputes.

[0075] Step A13, determine the target holding product information based on the target holding daily confirmation product information, the target holding last day confirmation product information, the target holding product quota information, the target holding product purchase start date and the target holding product purchase end date.

[0076] It is understandable that the target holding product information can represent the title confirmation method and the quota limit. The title confirmation method determines the time point when the funds are finally owned, while the quota limit affects the amount of funds that can be operated at these time points. The purchase start date and purchase end date of the target holding product information can be used to adjust the timing of fund purchases, ensure the efficient use of funds in the conversion process, reduce idle funds, improve overall investment returns, make more reasonable fund allocation decisions when converting funds, avoid losses caused by insufficient quotas or missed purchase opportunities, significantly improve the success rate of cross-investment category position conversions, and enhance customer satisfaction.

[0077] Step S20, determining a product conversion method based on the original holding product information and the target holding product information, and performing product conversion on the original holding product information based on the product conversion method to determine transaction behavior characteristics;

[0078] It should be noted that the product conversion method reflects the characteristics of the selected appropriate conversion strategy to convert the original position product into the target position product, and the transaction behavior characteristics reflect the characteristics of the transaction operation performed by the system.

[0079] It can be understood that the most appropriate conversion strategy is selected according to the time of the original holdings and the target holdings, so as to buy the right products at the right time to maximize the returns. The selected product conversion method directly affects the trading behavior, and the corresponding trading operations can be performed, including redemption, purchase, freezing and unfreezing, so as to convert the funds from the original holdings to the target holdings. At the same time, the choice of the product conversion method is affected by market conditions, such as product time changes and price fluctuations. The conversion strategy can be dynamically adjusted to ensure the efficient flow of funds during the conversion process, reduce unnecessary delays and costs, grasp the best investment opportunities, improve fund utilization and investment returns, achieve optimal fund management and maximize investment returns, provide efficient and transparent fund conversion solutions, enhance customers' confidence in fund control, and improve customer satisfaction and loyalty.

[0080] In addition, it should be noted that during the conversion period, the customer can cancel the conversion and suspend the conversion. During the redemption and purchase process, the transaction may fail and the conversion will be automatically suspended.

[0081] For ease of understanding, the following is explained by taking determining product conversion methods and transaction behavior characteristics as an example, wherein the information collection device is an information collection module, the storage device is a memory, and the processing device is a processing module.

[0082] The information collection module obtains the original holding product information and the target holding product information and stores them in the memory. When the original holding product information is the original holding real-time arrival product information, the product conversion method is selected as the real-time arrival conversion method. The real-time arrival conversion method includes the target product purchase start date conversion method and the target product purchase end date conversion method. When the original holding product information is the original holding delayed arrival product information, the product conversion method is selected as the delayed arrival conversion method. The delayed arrival conversion method includes the product forward conversion method and the product reverse conversion method.

[0083] If the original holding product information is A1 and A2, and the target holding product information is B1 and B2, A1 and A2 refer to the original products before the conversion, that is, the original holding product information, and only focus on the redemption features; B1 and B2 refer to the new products after the conversion, that is, the target holding product information, and only focus on the purchase features.

[0084] When A1 is converted to B1 as a holding product, the target product purchase start date conversion method is selected, and redemption and purchase operations are initiated on the purchase start date of B1, resulting in the transaction behavior characteristics of A1 transaction redemption and B1 purchase. When A1 is converted to B2 as a holding product, the target product purchase end date conversion method is selected, and redemption and purchase operations are initiated on the purchase end date of B2, resulting in the transaction behavior characteristics of A1 transaction redemption and B2 purchase.

[0085] In order to ensure smooth execution from redemption to purchase and avoid the small probability that manual operations by customers may cause changes in funds and lead to the inability to convert, the system will freeze the current funds used to purchase the target holding product information after the funds of the original holding product information are redeemed to the current account and before the target holding product information is initiated for subscription.

[0086] When A2 is converted to B1 as a holding product, the purchase start date of B1 is used as the redemption settlement date of A2, and the redemption initiation date of A2 is calculated backwards. When A2 is converted to B2 as a holding product, the purchase end date of B1 is used as the redemption settlement date of A2, and the redemption initiation date of A2 is calculated backwards. If the redemption initiation date does not match the product closure date, the product forward conversion method is used to calculate the original holding product arrival date based on the original holding product redemption date in the original holding product information, and the transaction behavior characteristic is transaction freezing A2. The purchase start date of the target holding product is calculated based on the arrival date of the original holding product, that is, the redemption is initiated on the redemption date of A2. After the redemption is settled, the transaction behavior characteristic is obtained. For transaction redemption A2 and purchase B1 or transaction redemption A2 and purchase B2, if the redemption initiation date coincides with the product closing date, the product reverse conversion method is used to calculate the original holding product arrival date based on the target holding product purchase start date and the target holding product purchase end date, and the original holding product redemption date is reversely calculated based on the original holding product arrival date. If the original holding product redemption date matches the original holding product arrival date, the original holding product redemption date is used as the original holding product redemption initiation date, and the original holding product arrival date is used as the target holding product purchase start date, and redemption and purchase are initiated, and the transaction behavior characteristics are transaction redemption A2 and purchase B1 or transaction redemption A2 and purchase B2.

[0087] Step S30, the control system completes the trading plan based on the target holding product information and the trading behavior characteristics.

[0088] It is understandable that some products have purchase quota restrictions. In order to ensure that the product has available quota when the conversion is executed and the subscription is made, a quota reservation mechanism is used. The quota required for the subscription product is reserved when the conversion is submitted, and the reserved quota is redeemed when the subscription is made. This ensures that there will be no insufficient product quota when the subscription is made.

[0089] In addition, it should be noted that when executing a trading plan, the system can limit trading behavior through the target holding product quota information, that is, the pre-subscribed quota, manage funds more flexibly, and improve the success rate of conversion. At the same time, the trading behavior can be adjusted according to the actual market conditions and transaction result feedback to adapt to changes in the target holding product information, accurately match the requirements and trading behavior of the target holding product, which can significantly improve the success rate of the transaction, ensure that funds are converted as planned, manage funds more effectively, reduce idle time of funds, and improve the efficiency of fund use.

[0090] For ease of understanding, the following is explained by taking obtaining target holding product information and transaction behavior characteristics as an example, wherein the information collection device is an information collection module, the storage device is a memory, and the execution device is an execution module.

[0091] The information collection module obtains the target holding product information and transaction behavior characteristics, determines the new holding product information based on the quota information and transaction behavior characteristics in the target holding product information, and completes the transaction plan based on the new holding product information control system.

[0092] In a feasible implementation, step S30 may include steps B11 to B12:

[0093] Step B11, determining new position product information based on the quota information and transaction behavior characteristics in the target position product information;

[0094] It should be noted that the new product holding information reflects the characteristics of the product holding status after the conversion and update.

[0095] It can be understood that the new product holding information is the latest product information obtained after the execution of the trading plan conversion, including product type, quantity and value. At the same time, the new product holding information can represent the update of fund balance and available quota, ensure that the transaction execution is in line with the expected investment objectives, manage funds more effectively, and optimize investment decisions.

[0096] Step B12, completing the transaction plan based on the new position product information control system.

[0097] It is understandable that completing trading plans through the new position product information control system can reduce human errors and market risks, protect the interests of investors, and use automated transaction execution to reduce the customer's operational burden, provide a more convenient and transparent investment experience, and enhance customer satisfaction.

[0098] The present application proposes a method for converting cross-investment categories of positions, which obtains original position product information and target position product information; determines a product conversion method based on the original position product information and the target position product information, and performs product conversion on the original position product information based on the product conversion method to determine transaction behavior characteristics; and controls the system to complete the transaction plan based on the target position product information and the transaction behavior characteristics. The invention solves the technical problems of low efficiency, inaccurate timing and high operational risk in the process of cross-investment category fund conversion. Compared with the existing technology, the invention automatically obtains the original position product information and the target position product information, intelligently determines the optimal product conversion method, and controls the system to execute precise transaction behavior, thereby improving the fund utilization rate and investment return, and enhancing customer satisfaction. By finely dividing the product redemption and purchase characteristics, the invention constructs a targeted conversion logic, simplifies the processing flow, reduces the system complexity, and adopts a strategy combining reverse and forward pushing. The reverse pushing strategy ensures seamless connection of funds, and reverses the redemption date from the purchase date to maximize the fund utilization rate. If reverse pushing is not applicable, the forward pushing strategy is adopted to ensure the flexibility and success rate of the conversion, and reserve the quota for the customer in advance before the conversion to ensure the success of the customer's purchase. If the customer cancels, the quota will be returned. At the same time, the funds will be frozen after the redemption is received to ensure that the customer has sufficient funds to initiate the purchase. If the customer cancels, the funds will be unfrozen.

[0099] Based on the first embodiment of the present application, in the second embodiment of the present application, the same or similar contents as those in the above-mentioned embodiment 1 can be referred to the above introduction and will not be repeated later.

[0100] In this embodiment, refer to Figure 3 , Figure 3 This is a flow chart of Embodiment 2 of the method for converting positions across investment categories of this application. Step S20 specifically includes steps S21 to S22:

[0101] Step S21, when the original holding product information is the original holding real-time account arrival product information, selecting the product conversion mode as the real-time account arrival conversion mode, the real-time account arrival conversion mode includes the target product purchase start date conversion mode and the target product purchase end date conversion mode;

[0102] It should be noted that the real-time account conversion method reflects the ability of funds to be used for other investment products immediately after the redemption operation.

[0103] It can be understood that the real-time account conversion method allows customers to make purchase operations immediately after the funds are available, including the target product purchase start date conversion method and the target product purchase end date conversion method. The target product purchase start date conversion method is to initiate redemption and purchase operations on the purchase start date of the target holding product, and the target product purchase end date conversion method is to initiate redemption and purchase operations on the purchase end date of the target holding product.

[0104] In addition, it should be noted that the real-time account conversion method can ensure that funds will not be idle during the conversion process, thereby improving the efficiency of fund use. Through instant redemption and purchase, the best investment opportunity can be seized, investment returns can be increased, and customer satisfaction and loyalty can be improved.

[0105] For ease of understanding, the method of obtaining product conversion is taken as an example for explanation, wherein the information collection device is the information collection module, the storage device is the memory, and the processing device is the processing module.

[0106] When the product conversion method obtained by the information collection module is the real-time account conversion method, if the original holding product information is A1, and the target holding product information is B1 and B2, A1 is used as the holding product. When it is converted to B1, the target product purchase start date conversion method is selected, and the redemption and purchase operations are initiated on the purchase start date of B1, and the transaction behavior characteristics are A1 transaction redemption and purchase of B1. A1 is used as the holding product. When it is converted to B2, the target product purchase deadline conversion method is selected, and the redemption and purchase operations are initiated on the purchase deadline of B2, and the transaction behavior characteristics are transaction redemption of A1 and purchase of B2.

[0107] Step S22, when the original holding product information is the original holding delayed arrival product information, select the product conversion method as the delayed arrival conversion method, and the delayed arrival conversion method includes the product forward conversion method and the product reverse conversion method.

[0108] It should be noted that the delayed account conversion method reflects the characteristic that funds cannot be operated due to a time delay after the redemption operation.

[0109] It is understandable that the conversion process of products can be processed by reverse and forward methods. The reverse method can ensure that customer funds are not idle and maximize the benefits. In scenarios where reverse cannot meet the requirements, the forward method can be used to improve the success rate of customer conversion.

[0110] For ease of understanding, the method of obtaining product conversion is taken as an example for explanation, wherein the information collection device is the information collection module, the storage device is the memory, and the processing device is the processing module.

[0111] When the product conversion method obtained by the information collection module is the delayed arrival conversion method, if the original holding product information is A2, and the target holding product information is B1 and B2, A2 is the holding product. When it is converted to B1, the purchase start date of B1 is used as the redemption settlement date of A2, and the redemption initiation date of A2 is calculated backwards. When A2 is the holding product, when it is converted to B2, the purchase end date of B1 is used as the redemption settlement date of A2, and the redemption initiation date of A2 is calculated backwards.

[0112] If the redemption initiation date does not coincide with the product closure date, the product forward conversion method is used to calculate the original holding product arrival date based on the redemption date of the original holding product in the original holding product information, and the transaction behavior characteristic is transaction freezing A2. The purchase start date of the target holding product is calculated forward based on the arrival date of the original holding product, that is, the redemption is initiated on the redemption date of A2. After the redemption is credited to the account, the transaction behavior characteristics are transaction redemption A2 and purchase B1 or transaction redemption A2 and purchase B2. That is, the most recent redemption date of the A2 product is used as the redemption initiation date T1, and the redemption arrival date T2 is calculated. In a forward-pushing manner, the purchase date T3 of the B1 or B2 product is calculated. At the same time, the system will freeze the redeemed funds on T2, and unfreeze and purchase them on the purchase date T3 of the B1 or B2 product. The funds will be frozen between T2 and T3, and the time difference is T=T3-T2. If the T value is large, although the conversion success rate may be higher, the time that the customer's funds stay in the current account will also increase, which may affect the returns. Therefore, the return and success rate can be balanced by setting the T threshold.

[0113] like Figure 4 As shown, Figure 4 This is a schematic diagram of the forward conversion process for the cross-investment category position conversion method for this application. The current date is 9.9, the redemption initiation date of product A is T1 (9.11), the redemption account date of product A is T2 (9.12), and the purchase initiation date of product B is T3 (9.16) calculated in a forward manner. Customer funds will be frozen between T2 (9.12) and T3 (9.16), and will be unfrozen and the purchase transaction will be initiated on T3 (9.16).

[0114] If the redemption initiation date matches the product closure date, the product reverse conversion method is used to calculate the original holding product arrival date based on the target holding product purchase start date and the target holding product purchase end date, and the original holding product redemption date is calculated based on the original holding product arrival date. If the original holding product redemption date matches the original holding product arrival date, the original holding product redemption date is used as the original holding product redemption initiation date, and the original holding product arrival date is used as the target holding product purchase start date to initiate redemption and purchase, and the transaction behavior characteristics are transaction redemption A2 and purchase B1 or transaction redemption A2 and purchase B2, that is, the purchase time point of B1 or B2 product is used as the key time point T1, corresponding to the redemption arrival date of A2 product, and the redemption initiation date T2 of A2 product is calculated by reverse calculation. If T2 meets the requirements for initiating the redemption of A2 product, T2 is used as the redemption initiation date of A2 product, and T1 is used as the purchase initiation date of B1 or B2 product.

[0115] like Figure 5 As shown, Figure 5 This is a schematic diagram of the reverse conversion process for the cross-investment category position conversion method for this application. The current date is 9.9, product A can be redeemed on a working day and the funds will be credited T+1. The purchase initiation date of product B1 is T1 (10.14), and the redemption initiation date of product A is T2 (10.13). At this time, the customer can still enjoy the benefits of product A before 10.13, and start to enjoy the benefits of product B1 after 10.14, thereby maximizing the benefits. When converting to product B2, the reversed T2 date is less than the current date and does not meet the redemption conditions. The following forward method will be used. When converting to product B3, since B3 is the last day of confirmation of rights, the deadline is used as the purchase initiation date T1 to maximize the benefits of product A.

[0116] In a feasible implementation, step S22 may include steps C11 to C13:

[0117] Step C11, when the original holding product information is the original holding delayed arrival product information and the target holding product information is the target holding daily confirmation product information, the purchase start date of the target holding product is used as the redemption date of the original holding product;

[0118] It is understandable that by setting the purchase start date of the target product as the redemption date of the original holding product, it is possible to ensure that the redemption operation of the original holding product matches the purchase timing of the target holding product during daily confirmation of rights, so as to achieve effective conversion of funds, make fund management more orderly, ensure that funds can be used for new investments immediately after redemption, reduce idle fund time, improve fund utilization, accurately match redemption and purchase timing, improve investment efficiency, and enable investment decisions to respond to market changes more quickly.

[0119] Step C12, when the original holding product information is the original holding delayed arrival product information and the target holding product information is the target holding last-day confirmation product information, the target holding product purchase deadline is used as the original holding product redemption date;

[0120] It can be understood that by using the purchase deadline of the target holding product as the redemption date of the original holding product, the redemption time can be accurately controlled to match the purchase deadline when the product is confirmed on the last day, ensuring that the funds can be in place before the purchase deadline of the target product, thereby improving the efficiency of fund use and accurately matching the redemption and purchase timings, enabling investors to seize investment opportunities, reducing operational risks caused by time mismatches, and managing funds more effectively.

[0121] Step C13, determining the delayed account conversion method based on the redemption date of the original holding product.

[0122] It is understandable that the delayed arrival conversion method requires the prediction and management of the arrival time and available time of funds to ensure the effective use of funds, thereby predicting and avoiding potential risks caused by time delays, improving the planning and foresight of fund management, and reducing liquidity risks caused by delayed arrival of funds through advance planning and management.

[0123] In a feasible implementation, step C13 may include steps D11 to D13:

[0124] Step D11, obtaining a target date, wherein the target date includes the current date and the product closing date;

[0125] It should be noted that the target date reflects the characteristics of the time point when the product is expected to be converted.

[0126] It is understandable that the target date defines the effective timing of fund conversion operations, ensuring that all fund conversion operations are completed before the necessary time, avoiding missing key market opportunities, optimizing fund management, reducing idle funds and improving fund utilization efficiency, and reducing operational risks caused by time uncertainty, such as fund lock-in due to missing the product closure date.

[0127] Step D12: when the redemption date of the original holding product does not match the target date, the delayed account conversion mode is the product forward conversion mode;

[0128] It should be noted that the product forward conversion method reflects the characteristics of the forward calculation and derivation of the product date.

[0129] It is understandable that when the redemption date of the original holding product does not match the target date, the forward push method is used to improve the success rate of customer conversion.

[0130] Step D13, when the redemption date of the original holding product matches the target date, the delayed account conversion method is the product reverse conversion method.

[0131] It should be noted that the product reverse conversion method reflects the characteristics of reverse calculation and derivation of product dates.

[0132] It is understandable that when the redemption date of the original holding product matches the target date, the reverse calculation method can ensure that customer funds are not idle and maximize returns.

[0133] The present application proposes a method for converting cross-investment categories of positions. When the original position product information is the original position real-time arrival product information, the product conversion method is selected as the real-time arrival conversion method, and the real-time arrival conversion method includes a target product purchase start date conversion method and a target product purchase end date conversion method; when the original position product information is the original position delayed arrival product information, the product conversion method is selected as the delayed arrival conversion method, and the delayed arrival conversion method includes a product forward conversion method and a product reverse conversion method. The technical problem of how to convert products more accurately and efficiently is solved. Compared with the existing technology, this application optimizes investment decisions and enhances customer satisfaction by distinguishing the real-time and delayed arrival characteristics of the original holding products and selecting the corresponding real-time or delayed arrival conversion method. According to the characteristics of redemption funds arrival and purchase confirmation, the products are subdivided into different categories, and a customized conversion process is created for each category, which reduces the complexity of processing and makes operations more efficient and accurate. In addition, an innovative timing management method is used. The reverse strategy ensures that funds are seamlessly connected during conversion and maximizes customer benefits, while the forward strategy improves the success rate of conversion when reverse is not feasible, ensures transaction flexibility, and provides customers with quota reservations before conversion. Once the customer withdraws, the quota is released immediately, which is especially critical for popular products and improves the success rate of purchases. At the same time, after the redemption is received, the funds are temporarily frozen to ensure sufficient funds for purchasing new products and prevent conversion from being affected by insufficient funds.

[0134] Based on the first and second embodiments of the present application, in the third embodiment of the present application, the same or similar contents as those of the above-mentioned first and second embodiments can be referred to the above introduction and will not be repeated later.

[0135] In this embodiment, refer to Figure 6 , Figure 6 This is a flow chart of Embodiment 3 of the method for converting positions across investment categories of this application. Step S20 specifically includes steps S23 to S26:

[0136] Step S23, when the product conversion mode is the target product purchase start date conversion mode, redemption and purchase are initiated based on the target holding product purchase start date in the target holding product information, and the transaction behavior characteristics are obtained as transaction redemption and purchase;

[0137] It is understandable that once the product conversion method is determined to be the conversion method on the target product purchase start date, the original position product is converted through the product conversion method, and redemption and purchase are initiated on the target position product purchase start date. The redemption and purchase operations are executed in a timely manner to ensure that the funds will not be idle, thereby improving the utilization rate of funds. Investing at the best time improves investment returns and significantly improves customer satisfaction.

[0138] For ease of understanding, the method of obtaining product conversion is taken as an example for explanation, wherein the information collection device is the information collection module, the storage device is the memory, and the processing device is the processing module.

[0139] If the original holding product information is A1, and the target holding product information is B1, when A1 is used as the holding product and converted to B1, the target product purchase start date conversion method is selected, and the redemption and purchase operations are initiated on the purchase start date of B1, and the transaction behavior characteristics are A1 transaction redemption and purchase of B1.

[0140] Step S24, when the product conversion mode is a target product purchase deadline conversion mode, redemption and purchase are initiated based on the target holding product purchase deadline in the target holding product information, and the transaction behavior characteristics are obtained as transaction redemption and purchase;

[0141] It can be understood that once the product conversion method is determined to be the target product purchase deadline conversion method, that is, the original holding product is converted through the product conversion method, and redemption and purchase are initiated on the target product purchase deadline, it can ensure that funds will not be idle, thereby improving fund utilization.

[0142] For ease of understanding, the method of obtaining product conversion is taken as an example for explanation, wherein the information collection device is the information collection module, the storage device is the memory, and the processing device is the processing module.

[0143] If the original holding product information is A1, and the target holding product information is B2, when A1 is used as the holding product and converted to B2, the target product purchase deadline conversion method is selected, and the redemption and purchase operations are initiated on the purchase deadline of B2, and the transaction behavior characteristics are redemption of A1 and purchase of B2.

[0144] Step S25, when the product conversion mode is a product forward conversion mode, the original position product arrival date is calculated based on the original position product redemption date in the original position product information, and the transaction behavior characteristic is obtained as transaction freezing, and the target position product purchase start date is calculated forward based on the original position product arrival date, and the transaction behavior characteristics are obtained as transaction unfreezing and purchase;

[0145] It is understandable that the system needs to freeze the funds for a period of time after they arrive to prevent conversion failures due to insufficient funds to purchase new products, increase conversion efficiency, ensure effective use of funds, purchase target products in a timely manner, optimize investment timing, and improve investment returns.

[0146] For ease of understanding, the method of obtaining product conversion is taken as an example for explanation, wherein the information collection device is the information collection module, the storage device is the memory, and the processing device is the processing module.

[0147] When A2 is converted to B1 as a holding product, the purchase start date of B1 is used as the redemption account date of A2, and the redemption initiation date of A2 is calculated backwards. If the original holding product information is A2 and the target holding product information is B1, if the redemption initiation date does not match the product closure date, the product forward conversion method is used to calculate the original holding product arrival date based on the original holding product redemption date in the original holding product information, and the transaction behavior characteristic is transaction freezing A2. The target holding product purchase start date is calculated based on the original holding product arrival date, that is, the redemption is initiated on the redemption date of A2. After the redemption is credited, the transaction behavior characteristic is obtained. For transaction redemption A2 and purchase B1, if the redemption initiation date coincides with the product closure date, the product reverse conversion method is used to calculate the original holding product arrival date based on the target holding product purchase start date and the target holding product purchase end date, and the original holding product redemption date is reversely calculated based on the original holding product arrival date. If the original holding product redemption date matches the original holding product arrival date, the original holding product redemption date is used as the original holding product redemption initiation date, and the original holding product arrival date is used as the target holding product purchase start date to initiate redemption and purchase, and the transaction behavior characteristics are transaction redemption A2 and purchase B1.

[0148] Step S26, when the product conversion method is the product reverse conversion method, the arrival date of the original holding product is calculated based on the purchase start date of the target holding product and the purchase end date of the target holding product, and the redemption date of the original holding product is reversely calculated based on the arrival date of the original holding product. If the redemption date of the original holding product matches the arrival date of the original holding product, the redemption date of the original holding product is used as the redemption initiation date of the original holding product, and the arrival date of the original holding product is used as the purchase start date of the target holding product, and redemption and purchase are initiated, and the transaction behavior characteristics are transaction redemption and purchase.

[0149] It is understandable that by accurately matching redemption and purchase times, trading risks caused by time mismatch, such as missed investment opportunities or idle funds, are reduced, and timely redemption and purchase operations help seize market opportunities and improve overall investment efficiency and potential returns.

[0150] For ease of understanding, the method of obtaining product conversion is taken as an example for explanation, wherein the information collection device is the information collection module, the storage device is the memory, and the processing device is the processing module.

[0151] When A2 is converted to B2 as a holding product, the purchase deadline of B1 is used as the redemption settlement date of A2, and the redemption initiation date of A2 is calculated backwards. If the redemption initiation date does not match the product closure date, the product forward conversion method is used to calculate the original holding product arrival date based on the redemption date of the original holding product in the original holding product information, and the transaction behavior characteristic is transaction freezing A2. The target holding product purchase start date is calculated forward based on the arrival date of the original holding product, that is, the redemption is initiated on the redemption date of A2. After the redemption is settled, the transaction behavior characteristics are transaction redemption A2 and purchase B1 or transaction redemption A2 and purchase B2. If the redemption initiation date coincides with the product closure date, the product reverse conversion method is used to calculate the original holding product arrival date based on the target holding product purchase start date and the target holding product purchase end date, and the original holding product redemption date is calculated based on the original holding product arrival date. If the original holding product redemption date matches the original holding product arrival date, the original holding product redemption date is used as the original holding product redemption initiation date, and the original holding product arrival date is used as the target holding product purchase start date to initiate redemption and purchase, and the transaction behavior characteristics are transaction redemption A2 and purchase B1 or transaction redemption A2 and purchase B2.

[0152] The present application proposes a method for converting cross-investment category positions. When the product conversion method is the target product purchase start date conversion method, redemption and purchase are initiated based on the target product purchase start date in the target product information, and the transaction behavior characteristics are transaction redemption and purchase; when the product conversion method is the target product purchase end date conversion method, redemption and purchase are initiated based on the target product purchase end date in the target product information, and the transaction behavior characteristics are transaction redemption and purchase; when the product conversion method is the product push conversion method, the original position product arrival date is calculated based on the original position product redemption date in the original position product information, and the transaction behavior characteristics are transaction Freeze, calculate the target holding product purchase start date based on the original holding product arrival date, and obtain the transaction behavior characteristics of transaction unfreezing and purchase; when the product conversion method is the product reverse conversion method, calculate the original holding product arrival date based on the target holding product purchase start date and the target holding product purchase end date, and reversely calculate the original holding product redemption date based on the original holding product arrival date. If the original holding product redemption date matches the original holding product arrival date, then use the original holding product redemption date as the original holding product redemption initiation date, use the original holding product arrival date as the target holding product purchase start date, initiate redemption and purchase, and obtain the transaction behavior characteristics of transaction redemption and purchase. The technical problem of how to more effectively convert products is solved. Compared with the prior art, this application uses different product conversion methods to automatically determine the transaction behavior characteristics by accurately matching the purchase time point of the target holding product with the redemption settlement time of the original holding product, thereby improving the efficiency of capital conversion, ensuring the accuracy of investment timing, reducing operational risks, and improving customer satisfaction.

[0153] For example, in order to help understand the implementation process of the cross-investment category position conversion method obtained by combining this embodiment with the above-mentioned embodiment 1, please refer to Figure 7 , Figure 7 A brief flowchart of the method for converting positions across investment categories is provided, specifically:

[0154] The entire conversion trunk process includes 6 steps, namely, plan submission, initiation of redemption, redemption receipt, initiation of subscription, subscription receipt, and plan completion. See Example 1, obtain the original holding product information and the target holding product information; determine the product conversion method based on the original holding product information and the target holding product information, and determine the transaction behavior characteristics by product conversion of the original holding product information based on the product conversion method; control the system to complete the transaction plan based on the target holding product information and the transaction behavior characteristics. See Example 2, when the original holding product information is the original holding real-time arrival product information, select the product conversion method as the real-time arrival conversion method, and the real-time arrival conversion method includes the target product purchase start date conversion method and the target product purchase end date conversion method; when the original holding product information is the original holding delayed arrival product information, select the product conversion method as the delayed arrival conversion method, and the delayed arrival conversion method includes the product forward conversion method and the product reverse conversion method. Referring to Example 3, when the product conversion method is the target product purchase start date conversion method, redemption and purchase are initiated based on the target product purchase start date in the target product information, and the transaction behavior characteristics are transaction redemption and purchase; when the product conversion method is the target product purchase end date conversion method, redemption and purchase are initiated based on the target product purchase end date in the target product information, and the transaction behavior characteristics are transaction redemption and purchase; when the product conversion method is the product push conversion method, the original product arrival date is calculated based on the redemption date of the original product in the original product information, and the transaction behavior characteristics are transaction freezing, based on the The target holding product purchase start date is calculated forward from the original holding product arrival date, and the transaction behavior characteristics are transaction unfreezing and purchase; when the product conversion method is the product reverse conversion method, the original holding product arrival date is calculated based on the target holding product purchase start date and the target holding product purchase end date, and the original holding product redemption date is calculated based on the original holding product arrival date. If the redemption date of the original holding product matches the original holding product arrival date, the original holding product redemption date is used as the original holding product redemption initiation date, and the original holding product arrival date is used as the target holding product purchase start date, and redemption and purchase are initiated, and the transaction behavior characteristics are transaction redemption and purchase.

[0155] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the method of converting positions across investment categories of the present application. More forms of simple transformations based on this technical concept are all within the scope of protection of the present application.

[0156] This application also provides a cross-investment category position conversion device, please refer to Figure 8 , the cross-investment category position conversion device includes:

[0157] The acquisition module 10 is used to acquire the original position product information and the target position product information;

[0158] A processing module 20 is used to determine a product conversion method based on the original position product information and the target position product information, and perform product conversion on the original position product information based on the product conversion method to determine transaction behavior characteristics;

[0159] The execution module 30 is used to control the control system to complete the transaction plan based on the target holding product information and the transaction behavior characteristics.

[0160] The acquisition module 10 is also used to obtain the original position real-time arrival product information, the original position delayed arrival product information, the original position product redemption initiation date, the original position product redemption date, the target position daily confirmation product information, the target position last day confirmation product information, the target position product quota information, the target position product purchase start date and the target position product purchase end date;

[0161] Determine the original holding product information based on the original holding real-time arrival product information, the original holding delayed arrival product information, the original holding product redemption initiation date, and the original holding product redemption date;

[0162] The target holding product information is determined based on the target holding daily confirmation product information, the target holding last-day confirmation product information, the target holding product quota information, the target holding product purchase start date and the target holding product purchase end date.

[0163] The processing module 20 is further configured to select a product conversion mode as a real-time account conversion mode when the original holding product information is the original holding real-time account arrival product information, wherein the real-time account arrival conversion mode includes a target product purchase start date conversion mode and a target product purchase end date conversion mode;

[0164] When the original holding product information is the original holding delayed arrival product information, the product conversion method is selected as the delayed arrival conversion method, and the delayed arrival conversion method includes a product forward conversion method and a product reverse conversion method.

[0165] The processing module 20 is further configured to use the purchase start date of the target holding product as the redemption date of the original holding product when the original holding product information is the original holding delayed arrival product information and the target holding product information is the target holding daily confirmation product information;

[0166] When the original holding product information is the original holding delayed arrival product information and the target holding product information is the target holding last-day confirmation product information, the purchase deadline of the target holding product shall be used as the redemption date of the original holding product;

[0167] The delayed account conversion method is determined based on the redemption date of the original holding product.

[0168] The processing module 20 is further used to obtain a target date, which includes a current date and a product closure date;

[0169] When the redemption date of the original holding product does not match the target date, the delayed account conversion method is the product forward conversion method;

[0170] When the redemption date of the original holding product matches the target date, the delayed account conversion method is the product reverse conversion method.

[0171] The processing module 20 is further configured to initiate redemption and purchase based on the target holding product purchase start date in the target holding product information when the product conversion mode is the target product purchase start date conversion mode, and obtain the transaction behavior characteristics as transaction redemption and purchase;

[0172] When the product conversion method is a target product purchase deadline conversion method, redemption and purchase are initiated based on the target holding product purchase deadline in the target holding product information, and the transaction behavior characteristics are transaction redemption and purchase;

[0173] When the product conversion mode is a product forward conversion mode, the original position product arrival date is calculated based on the redemption date of the original position product in the original position product information, and the transaction behavior characteristic is transaction freezing. The target position product purchase start date is forward calculated based on the original position product arrival date, and the transaction behavior characteristic is transaction unfreezing and purchase.

[0174] When the product conversion method is the product reverse conversion method, the arrival date of the original holding product is calculated based on the purchase start date of the target holding product and the purchase end date of the target holding product, and the redemption date of the original holding product is reversely calculated based on the arrival date of the original holding product. If the redemption date of the original holding product matches the arrival date of the original holding product, the redemption date of the original holding product is used as the redemption initiation date of the original holding product, and the arrival date of the original holding product is used as the purchase start date of the target holding product, and redemption and purchase are initiated, and the transaction behavior characteristics are transaction redemption and purchase.

[0175] The execution module 30 is further used to determine new position product information based on the quota information and transaction behavior characteristics in the target position product information;

[0176] The trading plan is completed based on the new position product information control system.

[0177] The cross-investment category position conversion device provided by the present application adopts the cross-investment category position conversion method in the above embodiment, which can solve the technical problem of how to perform cross-investment category position conversion more conveniently and efficiently. Compared with the prior art, the beneficial effects of the cross-investment category position conversion device provided by the present application are the same as the beneficial effects of the cross-investment category position conversion method provided by the above embodiment, and other technical features in the cross-investment category position conversion device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0178] The present application provides a cross-investment category position conversion device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the cross-investment category position conversion method in the above-mentioned embodiment one.

[0179] Reference below Fig. 9 , which shows a schematic diagram of the structure of a cross-investment category position conversion device suitable for implementing the embodiment of the present application. The cross-investment category position conversion device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Fig. 9 The cross-investment category position conversion device shown is merely an example and should not bring any limitations to the functions and scope of use of the embodiments of the present application.

[0180] like Fig. 9As shown, the cross-investment category position conversion device may include a processing device 1001 (e.g., a central processing unit, a graphics processing unit, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM) 1004. Various programs and data required for the operation of the cross-investment category position conversion device are also stored in the RAM 1004. The processing device 1001, the ROM 1002, and the RAM 1004 are connected to each other via a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Typically, the following systems may be connected to the I / O interface 1006: input devices 1007 including, for example, a touch screen, a touchpad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; output devices 1008 including, for example, a liquid crystal display (LCD), a speaker, a vibrator, etc.; storage devices 1003 including, for example, a magnetic tape, a hard disk, etc.; and communication devices 1009. The communication device 1009 may allow the cross-investment category position conversion device to communicate wirelessly or wired with other devices to exchange data. Although the cross-investment category position conversion device with various systems is shown in the figure, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems may be implemented or have instead.

[0181] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0182] The cross-investment category position conversion device provided by the present application adopts the cross-investment category position conversion method in the above embodiment, which can solve the technical problem of how to perform cross-investment category position conversion more conveniently and efficiently. Compared with the prior art, the beneficial effects of the cross-investment category position conversion device provided by the present application are the same as the beneficial effects of the cross-investment category position conversion method provided by the above embodiment, and the other technical features of the cross-investment category position conversion device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0183] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0184] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0185] The present application provides a computer-readable storage medium having computer-readable program instructions (i.e., computer programs) stored thereon, and the computer-readable program instructions are used to execute the cross-investment category position conversion method in the above-mentioned embodiment.

[0186] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0187] The above-mentioned computer-readable storage medium may be included in the cross-investment category position conversion device; or it may exist independently without being assembled into the cross-investment category position conversion device.

[0188] The above-mentioned computer-readable storage medium carries one or more programs. When the above-mentioned one or more programs are executed by the cross-investment category position conversion device, the cross-investment category position conversion device: obtains the original holding product information and the target holding product information; determines the product conversion method based on the original holding product information and the target holding product information, and performs product conversion on the original holding product information based on the product conversion method to determine the transaction behavior characteristics; and controls the system to complete the transaction plan based on the target holding product information and the transaction behavior characteristics.

[0189] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0190] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0191] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0192] The readable storage medium provided in this application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned cross-investment category position conversion method, and can solve the technical problem of how to more conveniently and efficiently perform cross-investment category position conversion. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided in this application are the same as the beneficial effects of the cross-investment category position conversion method provided in the above-mentioned embodiment, and will not be repeated here.

[0193] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A method for converting positions across investment categories, characterized in that: The method comprises: Obtain information about the original and target holding products; Determine a product conversion method based on the original holding product information and the target holding product information, and perform product conversion on the original holding product information based on the product conversion method to determine transaction behavior characteristics; The control system completes the trading plan based on the target holding product information and the trading behavior characteristics.

2. The method according to claim 1, characterized in that The steps of obtaining the original holding product information and the target holding product information include: Obtain the original holdings’ real-time arrival product information, the original holdings’ delayed arrival product information, the original holdings’ redemption initiation date, the original holdings’ redemption date, the target holdings’ daily confirmation product information, the target holdings’ last-day confirmation product information, the target holdings’ quota information, the target holdings’ purchase start date, and the target holdings’ purchase end date; Determine the original holding product information based on the original holding real-time arrival product information, the original holding delayed arrival product information, the original holding product redemption initiation date, and the original holding product redemption date; The target holding product information is determined based on the target holding daily confirmation product information, the target holding last-day confirmation product information, the target holding product quota information, the target holding product purchase start date and the target holding product purchase end date.

3. The method according to claim 1, characterized in that The step of determining the product conversion method based on the original holding product information and the target holding product information includes: When the original holding product information is the original holding real-time account arrival product information, the product conversion method is selected as the real-time account arrival conversion method, and the real-time account arrival conversion method includes the target product purchase start date conversion method and the target product purchase end date conversion method; When the original holding product information is the original holding delayed arrival product information, the product conversion method is selected as the delayed arrival conversion method, and the delayed arrival conversion method includes a product forward conversion method and a product reverse conversion method.

4. The method according to claim 3, characterized in that When the original holding product information is the original holding delayed arrival product information, the step of selecting the product conversion mode as the delayed arrival conversion mode includes: When the original holding product information is the original holding delayed arrival product information and the target holding product information is the target holding daily confirmation product information, the purchase start date of the target holding product shall be the redemption date of the original holding product; When the original holding product information is the original holding delayed arrival product information and the target holding product information is the target holding last-day confirmation product information, the purchase deadline of the target holding product shall be used as the redemption date of the original holding product; The delayed account conversion method is determined based on the redemption date of the original holding product.

5. The method according to claim 4, characterized in that The step of determining the delayed account conversion method based on the redemption date of the original position product includes: Obtaining a target date, wherein the target date includes a current date and a product closing date; When the redemption date of the original holding product does not match the target date, the delayed account conversion method is the product forward conversion method; When the redemption date of the original holding product matches the target date, the delayed account conversion method is the product reverse conversion method.

6. The method according to claim 1, characterized in that The step of performing product conversion on the original position product information based on the product conversion method to determine the transaction behavior characteristics comprises: When the product conversion method is the target product purchase start date conversion method, redemption and purchase are initiated based on the target holding product purchase start date in the target holding product information, and the transaction behavior characteristics are obtained as transaction redemption and purchase; When the product conversion method is a target product purchase deadline conversion method, redemption and purchase are initiated based on the target holding product purchase deadline in the target holding product information, and the transaction behavior characteristics are transaction redemption and purchase; When the product conversion mode is a product forward conversion mode, the original position product arrival date is calculated based on the redemption date of the original position product in the original position product information, and the transaction behavior characteristic is transaction freezing. The target position product purchase start date is forward calculated based on the original position product arrival date, and the transaction behavior characteristic is transaction unfreezing and purchase. When the product conversion method is the product reverse conversion method, the arrival date of the original holding product is calculated based on the purchase start date of the target holding product and the purchase end date of the target holding product, and the redemption date of the original holding product is reversely calculated based on the arrival date of the original holding product. If the redemption date of the original holding product matches the arrival date of the original holding product, the redemption date of the original holding product is used as the redemption initiation date of the original holding product, and the arrival date of the original holding product is used as the purchase start date of the target holding product, and redemption and purchase are initiated, and the transaction behavior characteristics are transaction redemption and purchase.

7. The method according to claim 1, characterized in that The step of completing the trading plan based on the target holding product information and the trading behavior feature control system includes: Determine new position product information based on the quota information and transaction behavior characteristics in the target position product information; The trading plan is completed based on the new position product information control system.

8. A device for converting positions across investment categories, characterized in that: The device comprises: The acquisition module is used to obtain the original position product information and the target position product information; A processing module, configured to determine a product conversion method based on the original position product information and the target position product information, and perform product conversion on the original position product information based on the product conversion method to determine transaction behavior characteristics; An execution module is used to control the control system to complete the transaction plan based on the target holding product information and the transaction behavior characteristics.

9. A cross-investment category position conversion device, characterized in that: The device comprises: a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the cross-investment category position conversion method as described in any one of claims 1 to 7.

10. A storage medium, characterized in that: The storage medium is a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the steps of the cross-investment category position conversion method as described in any one of claims 1 to 7 are implemented.

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