Resource management product processing method and device, electronic equipment, computer readable storage medium and computer program product

Abstract

The invention provides a resource management product processing method and device, electronic equipment, a computer readable storage medium and a computer program product. The method comprises the steps that a resource transfer-out interface is displayed, and the resource transfer-out interface comprises the number of to-be-transferred-out resources set for a first resource management product and a transfer-out control; in response to roll-out mode selection operation, a selected roll-out mode is displayed, the roll-out mode comprises a first roll-out mode and a second roll-out mode, the first roll-out mode is a mode in which the number of actual roll-out resources is the same as that of the set to-be-roll-out resources, and the second roll-out mode is a mode in which the number of the actual roll-out resources is the same as that of the set to-be-roll-out the second transfer-out mode is a mode in which the number of actual transfer-out resources is different from the set number of to-be-transferred-out resources; and in response to a trigger operation for the roll-out control, at least transferring out the resource from the first resource management product according to the selected roll-out mode. According to the method and the device, the resources can be transferred from the financial account more flexibly and conveniently, so that individual requirements of different users can be met.

Description

Technical Field

[0001] This application relates to the field of Internet technologies, and in particular, to a processing method, apparatus, electronic device, computer-readable storage medium, and computer program product for a resource management product. Background Art

[0002] With the rapid development of Internet technologies, various financial institutions have launched their respective Internet applications and corresponding financial products in their Internet applications, which has greatly improved the efficiency of people's operations for processing financial products.

[0003] A fund (including a money market fund and a net asset value fund) is a type of financial product that is initiated by a fund management company or other institutions, raises funds from the public, and then invests in various assets such as stocks, bonds, and money market instruments to achieve the purposes of diversified investment, risk reduction, and return improvement. However, in related technologies, the redemption methods for funds are relatively single and cannot meet the personalized needs of different users. Summary of the Invention

[0004] Embodiments of this application provide a processing method, apparatus, electronic device, computer-readable storage medium, and computer program product for a resource management product, which can transfer resources from a financial management account more flexibly and conveniently, thereby meeting the personalized needs of different users.

[0005] The technical solution of the embodiments of this application is implemented as follows:

[0006] Embodiments of this application provide a processing method for a resource management product, including:

[0007] Display a resource transfer interface, where the resource transfer interface includes the quantity of resources to be transferred set for a first resource management product and a transfer control;

[0008] In response to a transfer mode selection operation, display the selected transfer mode, where the transfer mode includes a first transfer mode and a second transfer mode. The first transfer mode is a mode in which the actual quantity of transferred resources is the same as the set quantity of resources to be transferred, and the second transfer mode is a mode in which the actual quantity of transferred resources is different from the set quantity of resources to be transferred;

[0009] In response to a trigger operation on the transfer control, transfer resources from at least the first resource management product according to the selected transfer mode.

[0010] Embodiments of this application provide a processing apparatus for a resource management product, including:

[0011] A display module for displaying a resource transfer-out interface, where the resource transfer-out interface includes the quantity of resources to be transferred out set for a first resource management product and a transfer-out control;

[0012] The display module is further configured to display the selected transfer-out mode in response to a transfer-out mode selection operation, where the transfer-out mode includes a first transfer-out mode and a second transfer-out mode. The first transfer-out mode is a mode in which the actual quantity of resources transferred out is the same as the set quantity of resources to be transferred out, and the second transfer-out mode is a mode in which the actual quantity of resources transferred out is different from the set quantity of resources to be transferred out;

[0013] A transfer-out module for transferring out resources from at least the first resource management product in accordance with the selected transfer-out mode in response to a trigger operation on the transfer-out control.

[0014] Another processing method for a resource management product provided by an embodiment of the present application includes:

[0015] Displaying a resource transfer-out interface, where the resource transfer-out interface includes the quantity of resources to be transferred out set for a first resource management product and a transfer-out control;

[0016] Transferring out resources from the first resource management product in response to a trigger operation on the transfer-out control;

[0017] When the actual quantity of resources transferred out from the first resource management product is less than the set quantity of resources to be transferred out, transferring out resources of the same quantity as the first difference between the set quantity of resources to be transferred out and the actual quantity of resources transferred out from a second resource management product.

[0018] Another processing device for a resource management product provided by an embodiment of the present application includes:

[0019] A display module for displaying a resource transfer-out interface, where the resource transfer-out interface includes the quantity of resources to be transferred out set for a first resource management product and a transfer-out control;

[0020] A transfer-out module for transferring out resources from the first resource management product in response to a trigger operation on the transfer-out control;

[0021] The transfer-out module is further configured to, when the actual quantity of resources transferred out from the first resource management product is less than the set quantity of resources to be transferred out, transfer out resources of the same quantity as the first difference between the set quantity of resources to be transferred out and the actual quantity of resources transferred out from a second resource management product.

[0022] An electronic device provided by an embodiment of the present application includes:

[0023] A memory for storing computer-executable instructions;

[0024] A processor, when executing the computer-executable instructions stored in the memory, implements the processing method of the resource management product provided by the embodiments of the present application.

[0025] The embodiments of the present application provide a computer-readable storage medium storing computer-executable instructions, which when executed by a processor, implement the processing method of the resource management product provided by the embodiments of the present application.

[0026] The embodiments of the present application provide a computer program product including a computer program or computer-executable instructions, which when executed by a processor, implement the processing method of the resource management product provided by the embodiments of the present application.

[0027] The embodiments of the present application have the following beneficial effects:

[0028] For the resource transfer-out scenario, the embodiments of the present application provide multiple transfer-out modes (including the first transfer-out mode and the second transfer-out mode) for the user to choose. In this way, the user can select a suitable transfer-out mode to transfer resources according to their own needs. That is to say, by adopting the technical solution provided by the embodiments of the present application, the user can transfer resources more flexibly and conveniently, thus meeting the personalized needs of different users. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] Figure 1 is a schematic structural diagram of a processing system 100 of a resource management product provided by the embodiments of the present application;

[0030] Figure 2 is a schematic structural diagram of an electronic device 500 provided by the embodiments of the present application;

[0031] Figure 3 is a first flowchart of a processing method of a resource management product provided by the embodiments of the present application;

[0032] Figure 4 is a second flowchart of a processing method of a resource management product provided by the embodiments of the present application;

[0033] Figure 5 is a third flowchart of a processing method of a resource management product provided by the embodiments of the present application;

[0034] Figure 6 is a first application scenario diagram of a processing method of a resource management product provided by the embodiments of the present application;

[0035] Figure 7It is a schematic diagram of the second application scenario of the processing method of the resource management product provided by the embodiment of the present application;

[0036] Figure 8 It is a schematic diagram of the third application scenario of the processing method of the resource management product provided by the embodiment of the present application;

[0037] Figure 9 It is the fourth process schematic diagram of the processing method of the resource management product provided by the embodiment of the present application;

[0038] Figure 10 It is the fifth process schematic diagram of the processing method of the resource management product provided by the embodiment of the present application;

[0039] Figure 11 It is the sixth process schematic diagram of the processing method of the resource management product provided by the embodiment of the present application;

[0040] Figure 12 It is the seventh process schematic diagram of the processing method of the resource management product provided by the embodiment of the present application;

[0041] Figure 13 It is the eighth process schematic diagram of the processing method of the resource management product provided by the embodiment of the present application. Detailed implementation manners

[0042] In order to make the objectives, technical solutions, and advantages of the present application clearer, the present application will be further described in detail below with reference to the accompanying drawings. The described embodiments should not be construed as limitations on the present application. All other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the scope of protection of the present application.

[0043] In the following description, reference is made to "some embodiments", which describe a subset of all possible embodiments. However, it can be understood that "some embodiments" can be the same subset or different subsets of all possible embodiments, and can be combined with each other without conflict.

[0044] It can be understood that in the embodiments of the present application, when related data such as user information is involved, when the embodiments of the present application are applied to specific products or technologies, user permission or consent needs to be obtained, and the collection, use, and processing of related data need to comply with relevant laws, regulations, and standards.

[0045] In the following description, the terms "first / second / ..." involved are only used to distinguish similar objects and do not represent a specific order for the objects. It can be understood that "first / second / ..." can be interchanged with a specific order or sequence when permitted, so that the embodiments of the present application described here can be implemented in an order other than that illustrated or described here.

[0046] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by those of ordinary skill in the technical field to which this application belongs. The terms used herein are for the purpose of describing the embodiments of this application only and are not intended to limit this application.

[0047] Before further elaborating on the embodiments of this application, the nouns and terms involved in the embodiments of this application are described, and the nouns and terms involved in the embodiments of this application are applicable to the following explanations.

[0048] 1) In response to: used to indicate the conditions or states on which the executed operations depend. When the dependent conditions or states are met, one or more executed operations can be real-time or can have a set delay; without special instructions, there is no limitation on the execution order of multiple executed operations.

[0049] 2) Resource management product: refers to a product used to manage resources, which can be a financial product, such as including funds, stocks, bonds, etc., or can refer to a product with financial trading attributes. In addition, resources can refer to items exchanged for resource management products, that is, resources can be a medium for exchanging resource management products. For example, resources can be currency, minerals, etc., and the embodiments of this application do not make specific limitations on this.

[0050] 3) Money market fund: The net asset value of the fund units of a money market fund is fixed, usually 1 yuan per fund unit, and can be subscribed and redeemed at any time without time restrictions.

[0051] 4) Net value type non-money fund: Briefly referred to as net value type fund, it means that when the product is issued, the expected rate of return is not clearly defined, and the product income is displayed in the form of net value. When the product is issued, there is no clear expected rate of return. Users enjoy floating income financial products according to the actual operation of the product. The product can be opened weekly or monthly, and users can perform operations such as subscription or redemption during the opening period. That is to say, the income of the net value type fund is determined by the difference between the net value at the time of user subscription and the net value at the time of redemption.

[0052] 5) Quick redemption: It means that when redeeming a money market fund, ordinary redemption and quick redemption can be selected. Among them, the funds for quick redemption can be credited immediately.

[0053] The embodiments of the present application provide a processing method, apparatus, electronic device, computer-readable storage medium, and computer program product for a resource management product, which can transfer resources from a financial management account more flexibly and conveniently, thereby meeting the personalized needs of different users. The electronic device provided by the embodiments of the present application will be described below. The electronic device provided by the embodiments of the present application can be implemented as a terminal device, or the processing method of the resource management product provided by the embodiments of the present application can also be jointly implemented by a server and a terminal device. The following takes the case where the processing method of the resource management product provided by the embodiments of the present application is jointly implemented by a server and a terminal device as an example for description.

[0054] Exemplarily, refer to Figure 1 , Figure 1 is a schematic diagram of the architecture of the processing system 100 of the resource management product provided by the embodiments of the present application. As Figure 1 shown, the processing system 100 of the resource management product provided by the embodiments of the present application includes: a server 200, a network 300, and a terminal device 400. Among them, the network 300 can be a local area network or a wide area network, or a combination of the two. The terminal device 400 is a terminal device associated with a user. A client 410 is running on the terminal device 400. The client 410 can be various types of clients, such as including a dedicated financial management client, a payment client, and a browser, etc.

[0055] In some embodiments, taking the client 410 as a dedicated financial management client as an example, a resource transfer-out interface (such as a fund transfer-out interface) can be displayed on the client 410. Among them, the quantity of the resources to be transferred out set by the user for the first resource management product (such as a net value fund) (such as the quantity of the funds to be transferred out set for the selected net value fund) and a transfer-out control can be displayed on the resource transfer-out interface. Then, the client 410 can, in response to the transfer-out mode selection operation triggered by the user, display the selected transfer-out mode in the resource transfer-out interface. Among them, the transfer-out mode can include a first transfer-out mode (such as the received amount mode) and a second transfer-out mode (such as the debited amount mode). For example, a transfer-out mode selection control can also be displayed in the fund transfer-out interface. When the click operation of the user on the transfer-out mode selection control is received, a transfer-out mode list can be displayed in the fund transfer-out interface. Among them, the transfer-out mode list can include the received amount mode and the debited amount mode for the user to select. Assuming that the user clicks on the received amount mode in the transfer-out mode list, the selected received amount mode can be displayed in the fund transfer-out interface. Subsequently, when the client 410 receives the click operation of the user on the transfer-out control, it can request the server 200 to transfer resources from at least the first resource management product according to the transfer-out mode selected by the user. For example, assuming that the transfer-out mode selected by the user is the received amount mode, the server 200 can first transfer funds from the net value fund. When the quantity of the funds actually transferred out from the net value fund (such as assuming it is 900 yuan) is less than the quantity of the funds to be transferred out set by the user for this net value fund (such as assuming it is 1000 yuan) (such as because the net value of this net value fund decreases, resulting in the actual received amount being less than the transfer-out amount input by the user), at this time, the server 200 can also transfer 100 yuan from the second resource management product (such as a money market fund), so as to meet the user's requirement for the received amount setting.

[0056] It should be noted that Figure 1 the server 200 in can be an independent physical server, or a server cluster or a distributed system composed of multiple physical servers, or a cloud server providing basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery network (CDN, Content Delivery Network), and big data and artificial intelligence platforms. The terminal device 400 can be a smart phone, a tablet computer, a notebook computer, a desktop computer, a smart speaker, a smart watch, a vehicle-mounted terminal, etc., but is not limited thereto. The terminal device 400 and the server 200 can be directly or indirectly connected through wired or wireless communication methods, which are not limited in the embodiments of the present application.

[0057] In some other embodiments, the terminal device can also implement the processing method of the resource management product provided in the embodiments of the present application by running various computer-executable instructions or computer programs. For example, the computer-executable instructions can be commands at the microprogram level, machine instructions, or software instructions. The computer program can be a native program or software module in the operating system; it can be a local (Native) application (APPlication, APP), that is, a program that needs to be installed in the operating system to run, such as a dedicated financial management APP; it can also be a small program that can be embedded in any APP, that is, a program that only needs to be downloaded to the browser environment to run. In short, the above computer-executable instructions can be instructions in any form, and the above computer programs can be application programs, modules, or plugins in any form.

[0058] Next, the structure of the electronic device provided in the embodiments of the present application will be further described. Taking the electronic device as a terminal device as an example, refer to Figure 2 , Figure 2 which is a schematic structural diagram of the electronic device 500 provided in the embodiments of the present application. Figure 2 The electronic device 500 shown includes: at least one processor 510, a memory 550, at least one network interface 520, and a user interface 530. Each component in the electronic device 500 is coupled together through a bus system 540. It can be understood that the bus system 540 is used to realize the connection and communication between these components. In addition to the data bus, the bus system 540 also includes a power bus, a control bus, and a status signal bus. However, for the sake of clear illustration, in Figure 2 all kinds of buses are labeled as the bus system 540.

[0059] The processor 510 can be an integrated circuit chip with signal processing capabilities, such as a general-purpose processor, a digital signal processor (DSP, Digital Signal Processor), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. Among them, the general-purpose processor can be a microprocessor or any conventional processor, etc.

[0060] The user interface 530 includes one or more output devices 531 that enable the presentation of media content, including one or more speakers and / or one or more visual display screens. The user interface 530 also includes one or more input devices 532, including user interface components that facilitate user input, such as a keyboard, a mouse, a microphone, a touch screen display, a camera, other input buttons, and controls.

[0061] The memory 550 can be removable, non-removable, or a combination thereof. Exemplary hardware devices include solid-state memories, hard disk drives, optical disk drives, and the like. The memory 550 optionally includes one or more storage devices that are physically remote from the processor 510.

[0062] The memory 550 includes volatile memory or non-volatile memory, or can include both volatile and non-volatile memory. The non-volatile memory can be a read-only memory (ROM), and the volatile memory can be a random access memory (RAM). The memory 550 described in the embodiments of the present application is intended to include any suitable type of memory.

[0063] In some embodiments, the memory 550 is capable of storing data to support various operations. Examples of such data include programs, modules, and data structures, or subsets or supersets thereof, which are illustrated below.

[0064] The operating system 551, including system programs for processing various basic system services and performing hardware-related tasks, such as a framework layer, a core library layer, a driver layer, etc., for implementing various basic services and processing hardware-based tasks;

[0065] The network communication module 552 is used to reach other computing devices via one or more (wired or wireless) network interfaces 520. Exemplary network interfaces 520 include: Bluetooth, Wi-Fi (Wireless Fidelity), and USB (Universal Serial Bus), etc.;

[0066] The presentation module 553 is used to enable the presentation of information (such as a user interface for operating peripheral devices and displaying content and information) via one or more output devices 531 associated with the user interface 530 (such as a display screen, a speaker, etc.).

[0067] The input processing module 554 is used to detect and translate one or more user inputs or interactions from one of one or more input devices 532.

[0068] In some embodiments, the device provided by the embodiments of the present application can be implemented in software. Figure 2The processing device 555 of the resource management product stored in the memory 550 is shown. It can be software in the form of programs and plugins, etc., including the following software modules: a display module 5551, a transfer-out module 5552, a summation module 5553, a determination module 5554, a freezing module 5555, a thawing module 5556, a transfer-in module 5557, a creation module 5558, and a jump module 5559. These modules are logical, so they can be combined arbitrarily or further split according to the functions implemented. It should be noted that, in Figure 2 for the sake of convenient expression, all the above modules are shown at once, but it should not be regarded as excluding the implementation where the processing device 555 of the resource management product may only include the display module 5551 and the transfer-out module 5552. The functions of each module will be described below.

[0069] Next, the processing method of the resource management product provided in the embodiments of the present application will be specifically described in combination with the exemplary applications and implementations of the terminal device provided in the embodiments of the present application.

[0070] Exemplarily, referring to Figure 3 , Figure 3 is the first process schematic diagram of the processing method of the resource management product provided in the embodiments of the present application, and will be described in combination with Figure 3 the steps shown.

[0071] It should be noted that, Figure 3 the method shown can be executed by various forms of computer programs running on the terminal device, not limited to the client. For example, it can also be the operating system, software modules, scripts, and applets described above. Therefore, the example of the client in the following text should not be regarded as a limitation to the embodiments of the present application. In addition, for the sake of convenient expression, the terminal device and the client running on the terminal device will not be specifically distinguished in the following text.

[0072] In step 101, a resource transfer-out interface is displayed.

[0073] Here, the resource transfer-out interface may include the quantity of the resources to be transferred out set for the first resource management product, and a transfer-out control. The first resource management product may be a non-monetary fund of the net value type, that is, the income of the first resource management product is determined according to the difference between the net value at the time of purchase and the net value at the time of redemption.

[0074] It should be noted that the quantity of resources to be transferred out set for the first resource management product needs to be less than or equal to the maximum quantity of resources that the first resource management product can currently transfer out. For example, taking the first fund management product as the net value type AAA fund, assuming the current total amount of the AAA fund is 7,000 yuan, then the quantity of funds to be transferred out set by the user for the AAA fund must be less than or equal to 7,000 yuan. When the quantity of resources to be transferred out set by the user for the first resource management product is greater than the maximum quantity of resources that the first resource management product can currently transfer out, a prompt message can be displayed to prompt the user that the quantity of resources to be transferred out set for the first resource management product needs to be less than or equal to the maximum quantity of resources that the first resource management product can currently transfer out.

[0075] In some embodiments, taking the first resource management product as a net value type non - monetary fund as an example, in the resource transfer - out interface (such as the fund transfer - out interface of a wealth management account), at least one net value type non - monetary fund held by the user can be displayed. For example, assuming it includes the AAA fund, the BBB fund, and the CCC fund, the user can transfer out funds from these 3 net value type non - monetary funds. For example, if the user selects the AAA fund among these 3 net value type non - monetary funds, the quantity of funds to be transferred out from the AAA fund can be further set.

[0076] It should be noted that the user can also transfer out funds from multiple net value type non - monetary funds simultaneously. For example, the user can input the total quantity of funds to be transferred out and set the corresponding transfer - out ratios for multiple net value type non - monetary funds respectively in the fund transfer - out interface. That is to say, in the fund transfer - out interface, the transferred - out amount input by the user (such as assuming it is 10,000 yuan) and the transfer - out ratios set for multiple net value type non - monetary funds respectively can also be displayed. Taking multiple net value type non - monetary funds as the AAA fund, the BBB fund, and the CCC fund as an example, assuming the transfer - out ratio set by the user for the AAA fund is 70%, the transfer - out ratio set for the BBB fund is 20%, and the transfer - out ratio set for the CCC fund is 10%, then 7,000 yuan can be displayed at the corresponding position of the AAA fund, 2,000 yuan can be displayed at the corresponding position of the BBB fund, and 1,000 yuan can be displayed at the corresponding position of the CCC fund.

[0077] In some other embodiments, refer to Figure 4 , Figure 4 which is the second process schematic diagram of the resource management product processing method provided by the embodiments of the present application. As Figure 4 shown, before performing Figure 3 the step 101 shown, steps 104 to 106 shown can also be performed, which will be described in combination with Figure 4 the steps shown. Figure 4 the steps shown.

[0078] In step 104, a financial account creation interface is displayed.

[0079] Here, the financial account creation interface may include a selected first resource management product (such as a net value non-monetary fund), a selected second resource management product (such as a money market fund), and a creation control. Among them, the redemption speed of the second resource management product is faster than that of the first resource management product.

[0080] In some embodiments, taking the first resource management product as a net value non-monetary fund and the second resource management product as a money market fund as an example, the user can edit the name of the financial account to be created in the financial account creation interface. For example, an editing area for the financial account name may be displayed at the top of the financial account creation interface, and the user can edit the name of the financial account in the editing area. In addition, the user can also configure one or more net value non-monetary funds as needed in the financial account creation interface. For example, an asset selection control may also be displayed in the financial account creation interface. When a click operation on the asset selection control is received, a fund list including multiple net value non-monetary funds can be displayed for the user to select. Then, the net value non-monetary funds selected by the user from the fund list (such as assuming including Fund AAA, Fund BBB, and Fund CCC) can be displayed below the asset selection control. In addition, the user can also select a money market fund with the ability to support quick redemption as needed in the financial account creation interface, and the money market fund selected by the user (such as assuming it is XXX Money Market Fund) can be displayed in the financial account creation interface, so as to support the ability to transfer funds according to a determined amount.

[0081] In step 105, in response to a trigger operation on the creation control, a financial account including the first resource management product and the second resource management product is created, and the interface jumps from the financial account creation interface to the resource transfer-in interface.

[0082] Here, the resource transfer-in interface (such as the fund transfer-in interface) may include a first quantity of the resource to be transferred set for the first resource management product, and a transfer control.

[0083] In some embodiments, taking the first resource management product as a net - value non - monetary fund and the second resource management product as a monetary fund as an example, a user can select, as needed, the net - value non - monetary funds (such as assumed to be Fund AAA, Fund BBB, and Fund CCC) and the monetary fund (such as XXX Monetary Fund) that the user is interested in on the financial management account creation interface. When receiving a click operation of the user on the creation control displayed on the financial management account creation interface, a financial management account including Fund AAA, Fund BBB, Fund CCC, and XXX Monetary Fund can be created, and the interface can jump from the financial management account creation interface to the fund transfer - in interface. After jumping to the fund transfer - in interface, the user can also input the amount of funds to be transferred in (i.e., the transfer - in amount) on the fund transfer - in interface, as well as the transfer - in ratios respectively set for Fund AAA, Fund BBB, Fund CCC, and XXX Monetary Fund. For example, assuming the number entered by the user in the input box corresponding to the transfer - in amount is 10000, and assuming the transfer - in ratio set by the user for Fund AAA is 60%, the transfer - in ratio set for Fund BBB is 20%, the transfer - in ratio set for Fund CCC is 10%, and the transfer - in ratio set for XXX Monetary Fund is 10%, then 6000 can be displayed at the position corresponding to Fund AAA (indicating that the amount of funds to be bought for Fund AAA is 6000 yuan), 2000 can be displayed at the position corresponding to Fund BBB (indicating that the amount of funds to be bought for Fund BBB is 2000 yuan), 1000 can be displayed at the position corresponding to Fund CCC (indicating that the amount of funds to be bought for Fund CCC is 1000 yuan), and 1000 can be displayed at the position corresponding to XXX Monetary Fund (indicating that the amount of funds to be bought for XXX Monetary Fund is 1000 yuan).

[0084] In step 106, in response to a trigger operation on the transfer - in control, transfer a first quantity of resources to the first resource management product.

[0085] In some embodiments, when the quantity of the first resource management products is multiple (for example, assuming the user selects multiple net - value non - monetary funds on the financial management account creation interface, such as Fund AAA, Fund BBB, and Fund CCC respectively), the above - mentioned resource transfer - in interface can also include the total quantity of resources to be transferred in set for the multiple first resource management products (such as the transfer - out amount input by the user). Then, the above - mentioned transfer of a first quantity of resources to the first resource management product can be achieved in the following way: for each first resource management product, obtain the first quantity of resources to be transferred in set for this first resource management product, and transfer the first quantity of resources from the total quantity of resources to this first resource management product.

[0086] For example, taking multiple first resource management products as multiple net value non-monetary funds, such as AAA Fund, BBB Fund, and CCC Fund respectively, the user can enter the total amount of funds to be transferred in the resource transfer interface (such as the fund transfer interface), and set the corresponding transfer ratios for the above three net value non-monetary funds respectively. For example, assuming that the transfer amount entered by the user is 10,000 yuan, and assuming that the transfer ratio set by the user for the AAA Fund is 70%, the transfer ratio set for the BBB Fund is 20%, and the transfer ratio set for the CCC Fund is 10%, then after receiving the click operation of the user on the transfer control, 7,000 yuan can be transferred from the user's bank card to the AAA Fund, 2,000 yuan to the BBB Fund, and 1,000 yuan to the CCC Fund.

[0087] In some other embodiments, the above resource transfer interface may further include a second amount of the resource to be transferred set for the second resource management product. Then, when responding to the trigger operation for the transfer space, the following processing may also be performed: transferring the second amount of the resource to the second resource management product.

[0088] For example, taking the second resource management product as a money fund, assuming that the user selects the XXX money fund in the financial account creation interface, after jumping from the financial account creation interface to the fund transfer interface, the user can also set the amount of funds to be transferred for the XXX money fund in the fund transfer interface (for example, assuming it is 1,000 yuan). Then, when receiving the click operation of the user on the transfer control, 1,000 yuan can also be transferred from the user's bank card to the XXX money fund. In this way, the subsequent quick redemption ability of the money fund can be used to make up for the product characteristic that the actual amount received by the net value non-monetary fund is different from the transfer amount entered by the user, so as to meet the user's requirement for setting the received amount.

[0089] It should be noted that multiple payment methods may also be displayed in the resource transfer interface for the user to select. That is to say, before the user clicks the transfer control, a payment method needs to be selected first, and then the funds can be transferred to the net value non-monetary fund or the money fund according to the selected payment method by the user. For example, assuming that the payment method selected by the user is bank large-amount payment, the funds can be transferred from the user's bank card to the net value non-monetary fund or the money fund.

[0090] In some embodiments, after creating a wealth management account including a first resource management product and a second resource management product and transferring resources to the first resource management product and the second resource management product included in the wealth management account respectively, the following processing may be further performed: displaying multiple returns respectively corresponding to multiple trading days included in the selected time period of the wealth management account, and the total return of the wealth management account in the selected time period; in response to a trigger operation for the return corresponding to any trading day, displaying a return details interface, where the return details interface may include the return of the first resource management product on that trading day and the return of the second resource management product on that trading day.

[0091] Exemplarily, taking the first resource management product as a net value-based non-monetary fund (such as the AAA Fund) and the second resource management product as a money fund (such as the XXX Money Fund) as an example, after receiving a click operation of the user on the creation control displayed in the wealth management account creation interface, a wealth management account including the AAA Fund and the XXX Money Fund can be created. Then the user can transfer funds to the AAA Fund and the XXX Money Fund. Subsequently, the user can view the returns of the wealth management account. For example, the total return of the wealth management account created by the user in the selected time period (such as the most recent month) and multiple returns respectively corresponding to multiple trading days included in the selected time period of the wealth management account can be displayed in the return details interface. When receiving a click operation of the user on the return corresponding to any trading day, the return details interface corresponding to that trading day can be displayed, and the return of the AAA Fund on that trading day and the return of the XXX Money Fund on that trading day can be displayed in the return details interface. In this way, the user can intuitively understand the overall return of the wealth management account over a period of time and the returns respectively corresponding to each fund included in the wealth management account on different trading days.

[0092] In step 102, in response to a transfer-out mode selection operation, display the selected transfer-out mode.

[0093] Here, the transfer-out mode may include a first transfer-out mode (such as the received amount mode) and a second transfer-out mode (such as the debited amount mode). Among them, the first transfer-out mode refers to a mode in which the quantity of the actually transferred resources is the same as the quantity of the to-be-transferred resources set (such as a mode in which the transferred amount input by the user is the same as the actually received amount), and the second transfer-out mode refers to a mode in which the quantity of the actually transferred resources is different from the quantity of the to-be-transferred resources set (such as a mode in which the transferred amount input by the user is different from the actually received amount).

[0094] Exemplarily, taking the resource transfer-out interface as the fund transfer-out interface as an example, a transfer mode selection control may also be displayed on the fund transfer-out interface. When a click operation of the user on the transfer mode selection control is received, a pop-up window may be displayed, and the arrival amount mode and the debit amount mode may be displayed in the pop-up window for the user to select. Assuming that the user selects the arrival amount mode in the pop-up window, for example, a click operation of the user on the arrival amount mode displayed in the pop-up window is received, the pop-up window may be cancelled, and the selected arrival amount mode by the user may be displayed on the fund transfer-out interface. For example, the selected arrival amount mode by the user may be displayed at the position corresponding to the transfer mode. That is to say, the funds will be transferred out according to the arrival amount mode subsequently.

[0095] In step 103, in response to the triggering operation on the transfer control, resources are transferred out from at least the first resource management product according to the selected transfer mode.

[0096] In some embodiments, when the selected transfer mode is the above-mentioned first transfer mode (such as the arrival amount mode), the above-mentioned transferring out of resources from at least the first resource management product according to the selected transfer mode may be implemented in the following manner: transferring out resources from the first resource management product; when the quantity of the actually transferred out resources from the first resource management product is less than the set quantity of the to-be-transferred out resources, according to the first difference between the set quantity of the to-be-transferred out resources and the quantity of the actually transferred out resources, transferring out resources with the same quantity as the first difference from the second resource management product (such as a money market fund).

[0097] Exemplarily, taking the first resource management product as a net value-based non-monetary fund (such as the AAA fund) as an example, assuming that the quantity of the to-be-transferred out funds set by the user for the AAA fund on the fund transfer-out interface is 1000 yuan, and at the same time assuming that the selected transfer mode by the user is the arrival amount mode (i.e., the first transfer mode), then when a click operation of the user on the transfer control displayed on the fund transfer-out interface is received, funds may be transferred out from the AAA fund first. When the quantity of the actually transferred out funds from the AAA fund is less than the 1000 yuan input by the user, for example, since the net value of the AAA fund drops from 1 yuan / share to 0.9 yuan / share (that is, when the user transfers out funds, the net value of the AAA fund is 1 yuan / share, but when the fund settlement system settles the AAA fund, the net value of the AAA fund drops to 0.9 yuan / share), resulting in the quantity of the actually transferred out funds from the AAA fund being only 900 yuan, then 100 yuan may be transferred out from the money market fund included in the financial management account according to the difference (i.e., 100 yuan) between the transfer amount input by the user (i.e., 1000 yuan) and the quantity of the actually transferred out funds from the AAA fund (i.e., 900 yuan). In this way, it can be ensured that the actual arrival amount of the user is consistent with the transfer amount input by the user, that is, the ability to transfer out funds according to a determined amount can be supported.

[0098] In some other embodiments, continuing with the above example, when the number of the first resource management products is multiple, the above-mentioned resource transfer-out interface may further include the total quantity of the resources to be transferred out set for the multiple first resource management products. Then, the above-mentioned transfer of resources from the first resource management products can be achieved in the following manner: transferring out resources from the multiple first resource management products respectively, and the following method can be used to achieve the situation that when the quantity of the resources actually transferred out from the first resource management products is less than the set quantity of the resources to be transferred out, according to the first difference between the set quantity of the resources to be transferred out and the quantity of the resources actually transferred out, transferring out the same quantity of resources as the first difference from the second resource management product: summing up the quantities of the resources actually transferred out from the multiple first resource management products respectively to obtain a summation result; when the summation result is less than the total quantity of the resources to be transferred out set for the multiple first resource management products, according to the first difference between the total quantity and the summation result, transferring out the same quantity of resources as the first difference from the second resource management product.

[0099] For example, taking multiple first resource management products as multiple net value non-monetary funds, assume they are AAA Fund, BBB Fund, and CCC Fund respectively. Also assume that the transfer amount input by the user in the resource transfer-out interface (such as the fund transfer-out interface) is 10,000 yuan, the quantity of the funds to be transferred out set for AAA Fund is 7,000 yuan, the quantity of the funds to be transferred out set for BBB Fund is 2,000 yuan, and the quantity of the funds to be transferred out set for CCC Fund is 1,000 yuan. Then, when receiving the click operation of the user on the transfer control displayed in the fund transfer-out interface, funds can be transferred out from AAA Fund, BBB Fund, and CCC Fund respectively. For example, assume that the quantity of the funds actually transferred out from AAA Fund is 6,000 yuan (that is, the net value of AAA Fund has decreased, resulting in the quantity of the funds actually transferred out from AAA Fund being less than 7,000 yuan), the quantity of the funds actually transferred out from BBB Fund is 1,900 yuan (that is, the net value of BBB Fund has decreased, resulting in the quantity of the funds actually transferred out from BBB Fund being less than 2,000 yuan), and the quantity of the funds actually transferred out from CCC Fund is 1,200 yuan (that is, the net value of CCC Fund has increased, resulting in the quantity of the funds actually transferred out from CCC Fund being greater than 1,000 yuan). Subsequently, the quantities of the funds actually transferred out from AAA Fund, BBB Fund, and CCC Fund can be summed up to obtain a summation result (that is, 6,000 yuan + 1,900 yuan + 1,200 yuan = 9,100 yuan). When the summation result is less than the transfer amount input by the user (that is, 10,000 yuan), according to the difference between the transfer amount input by the user and the summation result (that is, 10,000 yuan - 9,100 yuan = 900 yuan), transfer out the same quantity (900 yuan) of funds from the money fund included in the financial management account. In this way, it can be ensured that the amount actually received by the user is consistent with the input transfer amount, meeting the user's requirement for setting the received amount.

[0100] In some other embodiments, continuing from the above, before transferring out the same number of resources as the first difference between the set number of resources to be transferred out and the actual number of resources transferred out from the second resource management product, the following processing may also be performed: Obtain the first net value (i.e., the current net value) of the first resource management product at the first moment, where the first moment is the moment when a trigger operation for the transfer control is received; Divide the set number of resources to be transferred out of the first resource management product by the first net value, and use the division result as the transfer share of the first resource management product; Obtain the second net value (such as the net value when the fund settlement system settles the fund) of the first resource management product at the second moment, where the second moment is the moment when the resource management platform settles the first resource management product; Multiply the transfer share by the second net value, and use the multiplication result as the actual number of resources transferred out from the first resource management product.

[0101] For example, taking the first resource management product as a net-value non-monetary fund (such as the AAA fund) as an example, assume that the set amount of funds to be transferred out by the user for the AAA fund is 1000 yuan. Then, when receiving the click operation of the user on the transfer control displayed in the fund transfer interface, the net value of the AAA fund at the moment when the user clicks the transfer control (i.e., the current net value of the AAA fund, for example, assumed to be 1 yuan / share) can be obtained. Then, the set amount of funds to be transferred out by the user for the AAA fund can be divided by the current net value of the AAA fund, and the obtained multiplication result can be used as the redemption share of the AAA fund (i.e., 1000 yuan ÷ 1 yuan / share = 1000 shares). Subsequently, the net value of the AAA fund when the fund company settles the AAA fund (for example, assumed to be 0.9 yuan / share) can be obtained. Then, the net value at the time of redemption and liquidation of the AAA fund (i.e., 0.9 yuan / share) can be multiplied by the redemption share (i.e., 1000 shares), and the obtained multiplication result (i.e., 0.9 yuan / share × 1000 shares = 900 yuan) can be used as the actual amount of funds transferred out from the AAA fund. That is to say, due to the fluctuation of the net value, the actual amount of funds transferred out from the AAA fund is only 900 yuan.

[0102] In some embodiments, continuing from the above, before transferring the same quantity of resources as the first difference between the set quantity of resources to be transferred out and the actual quantity of resources transferred out from the second resource management product, the following processing may also be performed: determining the minimum quantity of resources that can be transferred out from the first resource management product; freezing the same quantity of resources in the second resource management product according to the second difference between the set quantity of resources to be transferred out and the minimum quantity. Then, the above-mentioned transfer of the same quantity of resources as the first difference from the second resource management product can be achieved by the following method: thawing the same quantity of resources in the second resource management product and transferring out the same quantity of resources as the first difference from the thawed resources, where the second difference is greater than the first difference.

[0103] For example, taking the first resource management product as a net value non-monetary fund (such as the AAA fund) and the second resource management product as a money fund (such as the XXX money fund) as an example, assuming that the quantity of funds to be transferred out set by the user for the AAA fund is 1000 yuan, then the minimum quantity of funds that can be transferred out from the AAA fund can be estimated first (for example, assumed to be 800 yuan). Then, according to the difference between the quantity of funds to be transferred out set by the user for the AAA fund (i.e., 1000 yuan) and the minimum quantity of funds that can be transferred out from the AAA fund (i.e., 800 yuan) (i.e., 1000 yuan - 800 yuan = 200 yuan), the same quantity of funds in the XXX money fund as the difference can be frozen. That is to say, 200 yuan in the XXX money fund can be frozen. In this way, it can be ensured that there is sufficient funds in the XXX money fund, thus avoiding the situation where the XXX money fund does not have enough funds to make up the difference. Subsequently, assuming that due to the decline in the net value of the AAA fund, the actual quantity of funds transferred out from the AAA fund is 900 yuan, then the 200 yuan frozen in the XXX money fund can be thawed, and 100 yuan can be transferred from the thawed 200 yuan to the user's bank card.

[0104] In some other embodiments, the minimum quantity of resources that can be transferred out from the first resource management product can be determined in the following manner: Determine the number of trading days between the first date and the second date, where the first date is the date when the resource management platform settles the first resource management product (for example, the date of redemption and liquidation of a net value fund), and the second date is the date when a trigger operation for the transfer control is received; Obtain the discount rate corresponding to the first resource management product; Multiply the discount rate by itself the number of times equal to the number of trading days minus 1, to obtain a first multiplication result (for example, assuming the number of trading days is n, the first multiplication result is the nth power of the discount rate); Multiply the first multiplication result by the quantity of resources to be transferred out that is set, and use the obtained second multiplication result as the minimum quantity of resources that can be transferred out from the first resource management product.

[0105] For example, taking the first resource management product as a net value non-monetary fund (such as the AAA fund) as an example, the minimum quantity of funds that can be transferred out from the AAA fund can be estimated in the following manner: First, calculate the number of trading days between the current net value date of the AAA fund (i.e., the date when the user clicks the transfer control) and the redemption confirmation date (i.e., the date when the fund company settles the AAA fund) (for example, assuming there are 2 trading days between them). Then, obtain the discount rate corresponding to the AAA fund (for example, assuming it is 0.9). Then, multiply the discount rate by itself the number of times equal to the number of trading days minus 1 (i.e., multiply the discount rate by itself once), to obtain a first multiplication result (i.e., 0.9 * 0.9 = 0.81). Subsequently, multiply the first multiplication result (i.e., 0.81) by the quantity of funds to be transferred out that is set for the AAA fund (for example, assuming it is 1000 yuan), and use the obtained second multiplication result (i.e., 1000 yuan × 0.81 = 810 yuan) as the minimum quantity of funds that can be transferred out from the AAA fund. That is to say, at least 810 yuan can be transferred out from the AAA fund.

[0106] In some embodiments, continuing from the above, when the number of the first resource management products is multiple, the above-mentioned resource transfer-out interface may further include the total quantity of the resources to be transferred out set for the multiple first resource management products. Then, the following method can be used to determine the minimum quantity of resources that can be transferred out from the first resource management products: determine the minimum quantity of resources that can be transferred out from each of the multiple first resource management products respectively, and the following method can be used to freeze the resources in the second resource management product with the same quantity as the second difference between the set quantity of the resources to be transferred out and the minimum quantity: sum up the multiple minimum quantities corresponding to the multiple first resource management products respectively to obtain a summation result; freeze the resources in the second resource management product with the same quantity as the second difference between the total quantity of the resources to be transferred out set for the multiple first resource management products and the summation result.

[0107] For example, taking multiple first resource management products as multiple net value non-monetary funds (such as assuming they are Fund AAA, Fund BBB, and Fund CCC respectively) and the second resource management product as a monetary fund (such as XXX Monetary Fund) as an example, assume that the total transfer-out amount input by the user for these 3 net value non-monetary funds in the resource transfer-out interface (such as the fund transfer-out interface) is 10,000 yuan, the transfer-out ratio set for Fund AAA is 70% (that is, the quantity of the funds to be transferred out set for Fund AAA is 7,000 yuan), the transfer-out ratio set for Fund BBB is 20% (that is, the quantity of the funds to be transferred out set for Fund BBB is 2,000 yuan), and the transfer-out ratio set for Fund CCC is 10% (that is, the quantity of the funds to be transferred out set for Fund CCC is 1,000 yuan). Then, the minimum quantity of funds that can be transferred out from Fund AAA, Fund BBB, and Fund CCC can be estimated respectively. For example, assume that the minimum quantity of funds that can be transferred out from Fund AAA is 6,000 yuan, the minimum quantity of funds that can be transferred out from Fund BBB is 1,500 yuan, and the minimum quantity of funds that can be transferred out from Fund CCC is 800 yuan. Then, the minimum quantities of funds that can be transferred out from Fund AAA, Fund BBB, and Fund CCC respectively can be summed up to obtain a summation result (that is, 6,000 yuan + 1,500 yuan + 800 yuan = 8,300 yuan). Finally, according to the difference between the total transfer-out amount set for these 3 net value non-monetary funds (that is, 10,000 yuan) and the summation result (that is, 8,300 yuan) (that is, 10,000 yuan - 8,300 yuan = 1,700 yuan), freeze the funds in XXX Monetary Fund with the same quantity as the difference (that is, 1,700 yuan). That is to say, 1,700 yuan in XXX Monetary Fund can be frozen, so as to ensure that there is enough funds in XXX Monetary Fund to make up the subsequent difference.

[0108] In some other embodiments, when the quantity of resources actually transferred out from the first resource management product is greater than the set quantity of resources to be transferred out, the following processing may also be performed: thaw the same quantity of resources in the second resource management product as the second difference; transfer the same quantity of resources as the third difference into the second resource management product according to the third difference between the actual quantity of resources transferred out and the set quantity of resources to be transferred out.

[0109] Exemplarily, taking the first resource management product as a net value non-monetary fund (such as the AAA fund) and the second resource management product as a money fund (such as the XXX money fund) as an example, assume that the quantity of funds to be transferred out set by the user for the AAA fund is 1000 yuan, and at the same time assume that the minimum quantity of funds that can be transferred out from the AAA fund is 800 yuan. Then, 200 yuan in the XXX money fund can be frozen. Subsequently, when receiving a click operation on the transfer control displayed in the fund transfer interface by the user, funds can be transferred out from the AAA fund. For example, assume that due to the increase in the net value of the AAA fund, the actual quantity of funds transferred out from the AAA fund is 1100 yuan. Then, the 200 yuan frozen in the XXX money fund can be thawed, and the extra 100 yuan can be transferred into the XXX money fund. That is to say, after transferring the same quantity of funds as the transfer amount input by the user into the user's bank card, the extra funds can be transferred into the underlying money fund.

[0110] In some embodiments, when the quantity of the first resource management products is multiple, the above-mentioned resource transfer interface may further include the total quantity of resources to be transferred out set for the multiple first resource management products. Then, the quantities of resources actually transferred out from the multiple first resource management products can be summed up to obtain a summation result. When the summation result is greater than the total quantity of resources to be transferred out set for the multiple first resource management products, the following processing may also be performed: thaw the same quantity of resources in the second resource management product as the second difference; transfer the same quantity of resources as the third difference into the second resource management product according to the third difference between the summation result and the total quantity.

[0111] Exemplarily, taking multiple first resource management products as multiple net value non-monetary funds (for example, assuming they are AAA Fund, BBB Fund, and CCC Fund respectively) and the second resource management product as a money fund (for example, XXX Money Fund), assume that the total transfer-out amount set by the user for these 3 net value non-monetary funds is 10,000 yuan, the amount of funds to be transferred out set for AAA Fund is 7,000 yuan, the amount of funds to be transferred out set for BBB Fund is 2,000 yuan, and the amount of funds to be transferred out set for CCC Fund is 1,000 yuan. Then, when receiving the click operation of the user on the transfer-out control displayed in the fund transfer-out interface, funds can be transferred out from AAA Fund, BBB Fund, and CCC Fund respectively. Assume that the actual amount of funds transferred out from AAA Fund is 7,500 yuan, the actual amount of funds transferred out from BBB Fund is 2,100 yuan, and the actual amount of funds transferred out from CCC Fund is 900 yuan. Subsequently, the amounts of funds actually transferred out from these 3 net value non-monetary funds can be summed up to obtain the summation result (i.e., 7,500 yuan + 2,100 yuan + 900 yuan = 10,500 yuan). Finally, the summation result can be compared with the total transfer-out amount set by the user for these 3 net value non-monetary funds. When the summation result is greater than the total transfer-out amount input by the user, the funds with the same amount as the difference between the summation result and the total transfer-out amount input by the user (i.e., 10,500 yuan - 10,000 yuan = 500 yuan), can be transferred into XXX Money Fund. That is to say, after transferring the funds with the same amount as the transfer-out amount input by the user into the user's bank card, the excess funds can be transferred into the fallback money fund. In this way, while meeting the user's requirement for the amount of funds to be received, additional income can be obtained by transferring the excess funds into the money fund.

[0112] In some embodiments, when the selected transfer-out mode is the second transfer-out mode (for example, the outgoing amount mode), the above-mentioned transferring of resources from at least the first resource management product according to the selected transfer-out mode can be achieved in the following manner: obtaining the first net value of the first resource management product at the first moment, where the first moment is the moment when the trigger operation for the transfer-out control is received; dividing the set amount of resources to be transferred out by the first net value, and taking the division result as the transfer-out share of the first resource management product; obtaining the second net value of the first resource management product at the second moment, where the second moment is the moment when the resource management platform settles the first resource management product; and transferring out from the first resource management product the resources with the same amount as the multiplication result of the transfer-out share and the second net value.

[0113] Exemplarily, taking the first resource management product as a net - value non - monetary fund (such as the AAA fund) as an example, assume that the amount of funds to be transferred out set by the user for the AAA fund is 1000 yuan. At the same time, assume that the transfer mode selected by the user in the fund transfer interface is the disbursement amount mode (i.e., the second transfer mode). Then, when receiving the click operation of the user on the transfer control displayed in the fund transfer interface, the net value of the AAA fund at the moment when the user clicks the transfer control can be obtained (i.e., the current net value of the AAA fund, for example, assume it is 1 yuan / share). Then, the amount of funds to be transferred out set by the user for the AAA fund can be divided by the current net value of the AAA fund, and the resulting quotient is used as the redemption share of the AAA fund (i.e., 1000 yuan÷1 yuan / share = 1000 shares). Subsequently, the net value of the AAA fund when the fund company settles the AAA fund can be obtained (i.e., the net value when the AAA fund is redeemed and liquidated, for example, assume it is 0.9 yuan / share). Finally, the net value when the AAA fund is redeemed and liquidated can be multiplied by the redemption share of the AAA fund, and the resulting product (i.e., 1000 shares×0.9 yuan / share = 900 yuan) is used as the actual amount of funds transferred out from the AAA fund. That is to say, 900 yuan can be transferred from the AAA fund to the user's bank card.

[0114] It should be noted that in addition to transferring funds to their own bank cards, users can also transfer them to change or other monetary funds. The embodiments of the present application do not make specific limitations on this.

[0115] In some embodiments, after at least transferring resources from the first resource management product, the following processing can also be performed: in response to the resource details viewing operation, display a resource details interface, where the resource details interface can include at least one of the following: the amount and transfer time of resources transferred out from the first resource management product, the amount and transfer time of resources transferred out from the second resource management product, the returns corresponding to the first resource management product on different trading days, the returns corresponding to the second resource management product on different trading days, the amount and transfer time of resources transferred into the first resource management product, and the amount and transfer time of resources transferred into the second resource management product.

[0116] Exemplarily, taking the first resource management product as a net value non-monetary fund (such as the AAA fund) and the second resource management product as a money fund (such as the XXX money fund) as an example, when receiving a resource detail viewing operation (such as a fund detail viewing operation) triggered by the user for the financial management account, a resource detail interface (such as a fund detail interface) can be displayed. In the fund detail interface, the amount and transfer time of the funds transferred out from the AAA fund, the amount and transfer time of the funds transferred out from the XXX money fund, the returns corresponding to the AAA fund on different trading days, the returns corresponding to the XXX money fund on different trading days, the amount and transfer time of the funds transferred into the AAA fund, and the amount and transfer time of the funds transferred into the XXX money fund, etc. can be displayed. That is to say, each transfer-in fund, transfer-out fund, and the return of the financial management product of the user can be displayed in the fund detail interface, so that the user can intuitively and conveniently understand the fund situation of his financial management account.

[0117] Next, continue to describe in combination with Figure 5 the resource management product processing method provided by the embodiments of the present application.

[0118] Exemplarily, refer to Figure 5 , Figure 5 which is the third process schematic diagram of the resource management product processing method provided by the embodiments of the present application, and will be described in combination with Figure 5 the steps shown.

[0119] In step 201, a resource transfer-out interface is displayed.

[0120] Here, the resource transfer-out interface may include the quantity of the resources to be transferred out set for the first resource management product, and a transfer-out control.

[0121] In some embodiments, taking the first resource management product as a net value non-monetary fund (such as the AAA fund) as an example, the user can set the quantity of the funds to be transferred out for the AAA fund in the resource transfer-out interface (such as the fund transfer-out interface). For example, the quantity of the funds to be transferred out set by the user for the AAA fund can be displayed at the corresponding position of the AAA fund (such as assuming it is 1000 yuan).

[0122] In step 202, in response to the trigger operation for the transfer-out control, resources are transferred out from the first resource management product.

[0123] In some embodiments, continuing to take the first resource management product as the net value AAA fund as an example, when receiving a click operation on the transfer-out control displayed in the resource transfer-out interface (such as the fund transfer-out interface) by the user, funds can be transferred out from the AAA fund to the user's bank card.

[0124] In step 203, when the quantity of resources actually transferred out from the first resource management product is less than the quantity of resources to be transferred out set, according to the first difference between the quantity of resources to be transferred out set and the quantity of resources actually transferred out, transfer out the same quantity of resources from the second resource management product as the first difference.

[0125] In some embodiments, continuing from the above, taking the first resource management product as a net value non-monetary fund (such as the AAA fund) and the second resource management product as a money fund (such as the XXX money fund) as an example, when the quantity of funds actually transferred out from the AAA fund is less than the quantity of funds to be transferred out set by the user for the AAA fund, for example, due to the decline in the net value of the AAA fund, the quantity of funds actually transferred out from the AAA fund is less than 1000 yuan (for example, assume it is only 900 yuan), then 100 yuan can be transferred out from the XXX money fund to the user's bank card. In this way, it can be ensured that the actual amount credited is the same as the transfer amount input by the user, that is, the requirement of the user for the credited amount can be met.

[0126] In some other embodiments, when the quantity of the first resource management product is multiple, the above resource transfer interface may further include the total quantity of resources to be transferred out set for the multiple first resource management products. Then, the above step 203 can be implemented in the following way: sum up the quantities of resources actually transferred out from the multiple first resource management products respectively to obtain a summation result; when the summation result is less than the total quantity of resources to be transferred out set for the multiple first resource management products, according to the first difference between the total quantity and the summation result, transfer out the same quantity of resources from the second resource management product as the first difference.

[0127] Exemplarily, taking multiple first resource management products as multiple net value non-monetary funds (for example, assuming they are AAA Fund, BBB Fund, and CCC Fund respectively), and the second resource management product as a money fund (for example, XXX Money Fund), and assuming that the transfer amount entered by the user in the resource transfer interface (such as the fund transfer interface) is 10,000 yuan, the quantity of funds to be transferred set for the AAA Fund is 7,000 yuan, the quantity of funds to be transferred set for the BBB Fund is 2,000 yuan, and the quantity of funds to be transferred set for the CCC Fund is 1,000 yuan. Then, when receiving the click operation of the user on the transfer control displayed in the fund transfer interface, funds can be transferred from the AAA Fund, BBB Fund, and CCC Fund respectively. For example, assuming that the actual amount of funds transferred from the AAA Fund is 6,000 yuan (i.e., the net value of the AAA Fund has decreased, resulting in the actual amount of funds transferred from the AAA Fund being less than 7,000 yuan), the actual amount of funds transferred from the BBB Fund is 1,900 yuan (i.e., the net value of the BBB Fund has decreased, resulting in the actual amount of funds transferred from the BBB Fund being less than 2,000 yuan), and the actual amount of funds transferred from the CCC Fund is 1,200 yuan (i.e., the net value of the CCC Fund has increased, resulting in the actual amount of funds transferred from the CCC Fund being greater than 1,000 yuan). Subsequently, the actual amounts of funds transferred from the AAA Fund, BBB Fund, and CCC Fund can be summed up to obtain the sum result (i.e., 6,000 yuan + 1,900 yuan + 1,200 yuan = 9,100 yuan). When the sum result is less than the transfer amount entered by the user (i.e., 10,000 yuan), funds with the same quantity as the difference between the transfer amount entered by the user and the sum result (i.e., 10,000 yuan - 9,100 yuan = 900 yuan) can be transferred from the XXX Money Fund included in the financial management account. In this way, by using the money fund with the ability of quick redemption as a backup, it can be ensured that the actual amount received by the user is the same as the transfer amount entered, thus guaranteeing the user's requirement for the set arrival amount.

[0128] In some other embodiments, before transferring resources with the same quantity as the first difference from the second resource management product according to the first difference between the set quantity of resources to be transferred and the actual quantity of resources transferred, the following processing can also be performed: determining the minimum quantity of resources that can be transferred from the first resource management product; freezing resources with the same quantity as the second difference in the second resource management product according to the second difference between the set quantity of resources to be transferred and the minimum quantity, and the above-mentioned transfer of resources with the same quantity as the first difference from the second resource management product can be achieved by the following method: thawing resources with the same quantity as the second difference in the second resource management product, and transferring resources with the same quantity as the first difference from the thawed resources, where the second difference is greater than the first difference.

[0129] Exemplarily, taking the first resource management product as a net - value non - monetary fund (such as the AAA fund) and the second resource management product as a monetary fund (such as the XXX monetary fund) as an example, assuming the amount of funds to be transferred out set by the user for the AAA fund is 1000 yuan, then the minimum amount of funds that can be transferred out from the AAA fund can be estimated first (for example, assumed to be 800 yuan). Then, according to the difference between the amount of funds to be transferred out set by the user for the AAA fund (i.e., 1000 yuan) and the minimum amount of funds that can be transferred out from the AAA fund (i.e., 800 yuan) (i.e., 1000 yuan - 800 yuan = 200 yuan), the same amount of funds in the XXX monetary fund as the difference is frozen. That is to say, 200 yuan in the XXX monetary fund can be frozen. In this way, it can be ensured that there is enough funds in the XXX monetary fund, thus avoiding the situation where the difference cannot be supplemented due to insufficient funds in the XXX monetary fund. Subsequently, assuming that due to the decline in the net value of the AAA fund, the actual amount of funds transferred out from the AAA fund is 900 yuan, then the 200 yuan frozen in the XXX monetary fund can be unfrozen, and 100 yuan can be transferred from the unfrozen 200 yuan to the user's bank card.

[0130] In some other embodiments, when the actual amount of resources transferred out from the first resource management product is greater than the set amount of resources to be transferred out, the following processing can also be performed: according to the third difference between the actual amount of resources transferred out and the set amount of resources to be transferred out, the same amount of resources as the third difference is transferred into the second resource management product.

[0131] Exemplarily, taking the first resource management product as a net - value non - monetary fund (such as the AAA fund) and the second resource management product as a monetary fund (such as the XXX monetary fund) as an example, assuming the amount of funds to be transferred out set by the user for the AAA fund is 1000 yuan, and at the same time assuming the minimum amount of funds that can be transferred out from the AAA fund is 800 yuan, then 200 yuan in the XXX monetary fund can be frozen. Subsequently, when receiving the click operation on the transfer control displayed in the fund transfer interface by the user, funds can be transferred out from the AAA fund. For example, assuming that due to the increase in the net value of the AAA fund, the actual amount of funds transferred out from the AAA fund is 1100 yuan, then the 200 yuan frozen in the XXX monetary fund can be unfrozen, and the extra 100 yuan is transferred into the XXX monetary fund. That is to say, after transferring the same amount of funds as the transfer amount input by the user into the user's bank card, the extra funds can be transferred into the underlying monetary fund to obtain additional income.

[0132] In some embodiments, the above-mentioned resource transfer-out interface may further include a first transfer-out mode (such as the amount received mode) and a second transfer-out mode (such as the amount debited mode). Among them, the first transfer-out mode is a mode in which the quantity of the actually transferred-out resources is the same as the quantity of the to-be-transferred-out resources set, and the second transfer-out mode is a mode in which the quantity of the actually transferred-out resources is different from the quantity of the to-be-transferred-out resources set. Then, before transferring out resources with the same quantity as the first difference between the quantity of the to-be-transferred-out resources set and the quantity of the actually transferred-out resources from the second resource management product, the following processing may also be performed: In response to the transfer-out mode selection operation, when the first transfer-out mode is selected, the step of transferring out resources with the same quantity as the first difference between the quantity of the to-be-transferred-out resources set and the quantity of the actually transferred-out resources from the second resource management product is executed.

[0133] Exemplarily, taking the first resource management product as a net value non-monetary fund (such as the AAA fund) and the second resource management product as a money fund (such as the XXX money fund) as an example, a transfer-out mode selection control may also be displayed in the resource transfer-out interface (such as the fund transfer-out interface). When a click operation of the user on the transfer-out mode selection control is received, a pop-up window may be displayed, and the amount received mode and the amount debited mode may be displayed in the pop-up window for the user to select. Suppose the user selects the amount received mode in the pop-up window, then subsequently, the XXX money fund may be used as a backup. For example, when the quantity of the actually transferred-out funds from the AAA fund is less than the transfer-out amount input by the user, the XXX money fund may be used to supplement the difference, thereby ensuring the user's requirement for the amount received. If the user selects the amount debited mode in the pop-up window, then only funds will be transferred out from the AAA fund subsequently, that is, the amount actually received by the user may be different from the transfer-out amount input.

[0134] The resource management product processing method provided by the embodiments of the present application provides multiple transfer-out modes (including the first transfer-out mode and the second transfer-out mode) for the user to select for the resource transfer-out scenario. In this way, the user can select a suitable transfer-out mode to transfer out resources according to their own needs. That is to say, by adopting the technical solution provided by the embodiments of the present application, the user can transfer out resources more flexibly and conveniently, thereby meeting the personalized needs of different users. In addition, by utilizing the quick redemption ability of the second resource management product (such as a money fund), the product characteristic that the quantity of the actually transferred-out resources from the first resource management product (such as a net value non-monetary fund) is different from the quantity of the to-be-transferred-out resources set (such as the transfer-out amount input by the user) is supplemented, ensuring the user's requirement for the amount received.

[0135] Next, taking the first resource management product as a net - value non - monetary fund and the second resource management product as a money fund as an example, the exemplary application of the embodiments of the present application in an actual application scenario will be described.

[0136] The embodiments of the present application provide a processing method for resource management products, which allows users to create a financial management account and select their interested net - value non - monetary funds (such as equity funds) and money funds (as a fallback product) as needed. At the same time, this financial management account also allows users to transfer funds in and out and record the detailed fund statements. When transferring out funds, the embodiments of the present application provide two transfer modes: the received - amount mode (i.e., the first transfer mode) and the disbursed - amount mode (i.e., the second transfer mode), so as to manage the users' needs for received funds more flexibly and conveniently. In addition, the embodiments of the present application also utilize the quick redemption ability of money market funds to supplement the product characteristics of the share redemption and amount receipt (and the amount is unknown) of net - value non - monetary fund products, ensuring the users' needs for setting the received amount and also enhancing the simple and user - friendly experience of the financial management account. In addition, the embodiments of the present application also expand the product type of the current financial management account from money market funds to net - value non - monetary funds. That is to say, the embodiments of the present application allow users to customize financial products (including money market funds and net - value non - monetary funds), while meeting the basic needs of the users' financial management accounts (such as including payment functions and fund details), and at the same time being able to take into account the diversity of products and long - term financial management returns.

[0137] The following specifically describes the processing method for resource management products provided by the embodiments of the present application.

[0138] Exemplarily, refer to Figure 6 , Figure 6 which is the first application scenario schematic diagram of the processing method for resource management products provided by the embodiments of the present application. As Figure 6As shown, the user can edit the name 602 of the wealth management account to be created (such as "Short-term Wealth Management Account") in the wealth management account creation interface 601. At the same time, the user can also configure one or more net value non-monetary funds (i.e., single or multiple assets) corresponding to the wealth management account as needed in the wealth management account creation interface 601. For example, the net value non-monetary funds 603 selected by the user (such as including Fund AAA, Fund BBB, and Fund CCC) can be displayed in the wealth management account creation interface 601. In addition, the user can select a money fund with the ability to support quick redemption as the fallback asset. For example, the money fund 604 selected by the user (such as XXX Money Fund) can be displayed in the wealth management account creation interface 601 to support the ability to transfer funds by a certain amount. Then, the user can click the creation control 605 displayed in the wealth management account creation interface 601. When receiving the click operation of the user on the creation control 605, it can jump from the wealth management account creation interface 601 to the fund transfer-in interface 606, and the name 602 of the wealth management account edited by the user is displayed in the fund transfer-in interface 606. In addition, the transferred-in amount 607 input by the user and the quantity 608 of the funds to be transferred for each net value non-monetary fund (for example, the quantity of the funds to be transferred for Fund AAA is 7000, the quantity of the funds to be transferred for Fund BBB is 2000, and the quantity of the funds to be transferred for Fund CCC is 1000) can also be displayed in the fund transfer-in interface 606. In addition, multiple payment methods can also be displayed in the fund transfer-in interface 606 for the user to select. For example, assume that the user selects the payment method 609 from multiple payment methods and then clicks the transfer-in control 610. After receiving the click operation of the user on the transfer-in control 610, the funds can be transferred into the wealth management account according to the selected payment method 609. That is to say, the user can transfer funds into the wealth management account by selecting a payment method. When transferring funds, a certain or multiple assets (i.e., net value non-monetary funds) in the wealth management account can be specified, and the allocated funds for each asset can be configured. Of course, the wealth management platform can also provide default asset and fund allocation methods to facilitate user operation, and the embodiments of the present application do not make specific limitations on this.

[0139] Continue to refer to Figure 6, when receiving a fund transfer operation triggered by a user, it is possible to jump to the fund transfer interface 611. In the fund transfer interface 611, the name 602 of the wealth management account edited by the user can be displayed. In addition, in the fund transfer interface 611, a transfer mode selection control 612 can also be displayed. When receiving a click operation by the user on the transfer mode selection control 612, two transfer modes (such as the received amount mode and the debited amount mode) can be displayed for the user to select. Among them, the received amount mode is a mode where the transfer amount input by the user is equal to the actual received amount of the user, and the debited amount mode is a mode where the transfer amount input by the user is not equal to the actual received amount (this is because the transfer amount input by the user is the amount of the current assets, that is, the product of the share and the current net value, but the redeemed and liquidated net value is not the current net value, so asset fluctuations will cause the actual transferred amount to be different from the transfer amount input by the user). After the user selects these two transfer modes, the selected transfer mode (such as the received amount mode) can be displayed in the fund transfer interface 611. In addition, when transferring funds, the user can also specify one or more assets in the wealth management account and configure the transferred funds for each asset. For example, in the fund transfer interface 611, the transfer amount 613 input by the user and the transferred funds 614 set for each net value-based non-monetary fund (such as the transferred funds for the AAA fund is 7000, the transferred funds for the BBB fund is 2000, and the transferred funds for the CCC fund is 1000) can also be displayed. In addition, in the fund transfer interface 611, multiple transfer recipients can also be displayed for the user to select. Assuming that the user selects the transfer recipient 615 among multiple transfer recipients, after receiving a click operation by the user on the transfer control 616 displayed in the fund transfer interface 611, funds can be transferred from the wealth management account to the transfer recipient 615 according to the selected transfer mode.

[0140] In some embodiments, when the proceeds of multiple wealth management products (including net value-based non-monetary funds and money market funds) included in the wealth management account are all credited, the proceeds of the wealth management account can be shown to the user. In addition, the user can also view the corresponding proceeds details by clicking on the proceeds record.

[0141] Exemplarily, refer to Figure 7 , Figure 7 is the second application scenario schematic diagram of the processing method of the resource management product provided by the embodiments of the present application, as Figure 7As shown, in the income details interface 701, the total income 702 since the creation of the wealth management account can be displayed, as well as the multiple incomes corresponding to the wealth management account on multiple past trading days. When a click operation is received from the user for the income 703 corresponding to November 29, XXXX, it is possible to jump from the income details interface 701 to the income details interface 704 corresponding to November 29, XXXX. In the income details interface 704, the incomes corresponding to each asset included in the wealth management account on November 29, XXXX can be displayed.

[0142] In some other embodiments, the processing method of the resource management product provided by the embodiments of the present application may further include a funds in transit list and a funds details list 801 as Figure 8 shown. Among them, the funds in transit list may include the funds to be confirmed for transfer in or out; the funds details list 801 may include each transfer-in fund, transfer-out fund and daily income of the user. That is to say, the funds details list 801 can record the amount of the current funds change and the account balance.

[0143] Next, continue to describe the process of creating a wealth management account in combination with Figure 9 this.

[0144] Exemplarily, refer to Figure 9 , Figure 9 which is the fourth process schematic diagram of the processing method of the resource management product provided by the embodiments of the present application. The steps shown in Figure 9 will be described.

[0145] In step 301, the front end obtains parameters such as the wealth management account name and account assets configured by the user.

[0146] In some embodiments, the user can input the name of the wealth management account in the wealth management account creation interface provided by the front end (such as a wealth management APP), and after selecting the account assets of interest (such as one or more net value non-monetary funds) and the underlying money fund as needed, a dedicated wealth management account can be created. Specific descriptions will be given below.

[0147] In step 302, the front end sends a wealth management account creation request to the wealth management platform.

[0148] In some embodiments, after the front end (such as a wealth management APP) obtains parameters such as the wealth management account name and account assets configured by the user, it can send a wealth management account creation request carrying the parameters such as the wealth management account name and account assets configured by the user to the wealth management platform.

[0149] In step 303, the wealth management platform generates a wealth management account.

[0150] In some embodiments, after receiving a wealth management account creation request sent by the front end, the wealth management platform may parse the received wealth management account creation request to obtain parameters such as the wealth management account name and account assets carried in the wealth management account creation request. Then, it may generate a corresponding wealth management account according to the parsed parameters.

[0151] In step 304, the wealth management platform returns the generated wealth management account to the front end.

[0152] In some embodiments, after generating a corresponding wealth management account in response to a wealth management account creation request sent by the front end, the wealth management platform may return the generated wealth management account to the front end.

[0153] Next, continue to combine Figure 10 to illustrate the process of transferring funds.

[0154] Exemplarily, refer to Figure 10 , Figure 10 which is the fifth process schematic diagram of the processing method of the resource management product provided by the embodiments of the present application. It will be described in combination with Figure 10 the steps shown.

[0155] In step 401, the front end obtains the transferred amount input by the user, the selected assets and their proportions.

[0156] In some embodiments, after creating a wealth management account, the user may input the transferred amount in the fund transfer interface and select the assets and their allocation proportions.

[0157] In step 402, the front end places a purchase order with the wealth management platform.

[0158] In some embodiments, after the front end (such as a wealth management APP) obtains the transferred amount input by the user, the selected assets and their corresponding allocation proportions, it may place a purchase order with the wealth management platform.

[0159] In step 403, the wealth management platform creates the purchase order status of each asset as: to be paid.

[0160] In some embodiments, the wealth management platform may create multiple purchase orders according to the transferred amount input by the user, the selected assets and the allocation proportions. Among them, the status of the purchase order is: to be paid.

[0161] In step 404, the wealth management platform returns a payment URL to the front end.

[0162] In some embodiments, after creating multiple purchase orders, the wealth management platform may return the corresponding payment uniform resource locator (URL, Uniform Resource Locator) to the front end.

[0163] In step 405, the front end makes a payment to the payment system.

[0164] In some embodiments, after receiving the payment URL returned by the wealth management platform, the front end can make a payment to the payment system based on the received payment URL.

[0165] In step 406, the payment system returns a payment success notification message to the front end.

[0166] In some embodiments, after the front end successfully makes a payment, the payment system can return a payment success notification message to the front end.

[0167] In step 407, the payment system notifies the wealth management platform to ship the goods.

[0168] In some embodiments, after the front end successfully makes a payment, the payment system can also notify the wealth management platform to ship the goods.

[0169] In step 408, the wealth management platform updates the subscription order status of each asset to: completed.

[0170] In some embodiments, after receiving the shipment notice sent by the payment system, the wealth management platform can update the subscription order status of each asset from pending payment to completed.

[0171] In step 409, the wealth management platform writes the fund details bill with the status: pending confirmation.

[0172] In some embodiments, the wealth management platform can write the above-mentioned multiple funds into the fund details bill with the status: pending confirmation. Since the transfer has not been truly recorded in the account at this time, there is no balance. That is to say, the above-mentioned multiple funds can be recorded in the in-transit fund list.

[0173] In step 410, the wealth management platform reports a subscription request to the fund TA system at the end of the day.

[0174] In some embodiments, the wealth management platform can report a subscription request to the Transfer Agent (TA) system of the fund at the end of the day. After the fund TA system clears and confirms the subscription, the wealth management platform can obtain the actual subscription share. At this time, the share held by the user will increase, and the bill balance (i.e., the total balance after subscription confirmation) will be confirmed and displayed in the fund bill. That is to say, it can be recorded in the fund details list.

[0175] In step 411, the fund TA system issues a subscription confirmation message to the wealth management platform after settlement.

[0176] In some embodiments, after receiving the subscription request reported by the wealth management platform, the fund TA system conducts settlement and issues a subscription confirmation message to the wealth management platform after settlement.

[0177] In step 412, the wealth management platform writes the fund detail statement, and the status is: confirmed.

[0178] In some embodiments, after receiving the purchase confirmation message sent by the fund TA system, the wealth management platform can update the status of each fund from pending confirmation to confirmed, and at the same time, can also display the bill balance in the fund detail statement.

[0179] Next, continue to combine Figure 11 to illustrate the process of transferring funds according to the disbursement amount mode.

[0180] Exemplarily, refer to Figure 11 , Figure 11 is the sixth process schematic diagram of the processing method of the resource management product provided by the embodiment of the present application, and will be described in combination with Figure 11 the steps shown.

[0181] In step 501, the front end obtains the withdrawal amount input by the user, the selected assets and their proportions.

[0182] In some embodiments, the total amount that the user can withdraw can be displayed in the fund transfer interface. In addition, the user can also input the amount that they want to withdraw, as well as the corresponding assets and their redemption proportions in the fund transfer interface. At this time, the front end can perform a legality check to ensure that the withdrawable amount of each asset of the user is greater than the amount that the user inputs to withdraw.

[0183] In step 502, the front end sends a withdrawal request to the wealth management platform.

[0184] In some embodiments, after obtaining the withdrawal amount input by the user, the selected assets and their redemption proportions, the front end can send a withdrawal request (such as a redemption request) to the wealth management platform.

[0185] In step 503, the wealth management platform calculates the redemption share of each product according to the user input parameters.

[0186] In some embodiments, the wealth management platform can calculate the redemption share of each product (i.e., asset) in the following way, that is, the redemption share of the product = withdrawal amount * withdrawal proportion / current net value of the product.

[0187] In step 504, the wealth management platform generates a redemption order and writes it into the fund details, and the status is: pending confirmation.

[0188] In some embodiments, after calculating the redemption share of each asset, the wealth management platform can generate the corresponding redemption order, and after generating the redemption order, write it into the fund details, for example, can write it into the fund in-transit list.

[0189] In step 505, the wealth management platform returns the processing result to the front end.

[0190] In step 506, the wealth management platform reports the redemption request to the fund TA system at the end of the day.

[0191] In step 507, the fund TA system issues a redemption confirmation message to the wealth management platform after liquidation.

[0192] In some embodiments, after generating the redemption order, the wealth management platform may report the redemption request to the fund TA system at the end of the day. After receiving the redemption request reported by the wealth management platform, the fund TA system conducts liquidation and issues a redemption confirmation to the wealth management platform (i.e., the actual amount credited).

[0193] In step 508, after receiving the redemption payment from the fund company, the wealth management platform makes a payment to the user and updates the fund details, with the status: confirmed.

[0194] In some embodiments, after receiving the redemption payment from the fund company, the wealth management platform may make a payment to the user according to the confirmed amount, update the fund details status to confirmed, the bill amount to the officially credited amount, and the balance to the total balance after redemption confirmation. It should be noted that due to the fluctuation of net value, the amount withdrawn by the user and the actual amount credited to the user may not be equal.

[0195] Next, continue to combine Figure 12 to illustrate the process of transferring funds according to the amount credited mode.

[0196] For example, refer to Figure 12 , Figure 12 which is the seventh process schematic diagram of the processing method of the resource management product provided by the embodiment of the present application, and will be described in combination with Figure 12 the steps shown.

[0197] In step 601, the front end obtains the withdrawal amount input by the user, the selected assets and their proportions.

[0198] In some embodiments, the total amount that the user can withdraw may be displayed on the fund transfer interface. In addition, the user can also input the amount they want to withdraw, as well as the corresponding assets and their redemption proportions on the fund transfer interface. At this time, the front end can perform a legality check to ensure that the withdrawable amount of each asset of the user is greater than the amount the user wants to withdraw.

[0199] In step 602, the front end sends a withdrawal request to the wealth management platform.

[0200] In step 603, the wealth management platform calculates the redemption share of each asset according to the user input parameters.

[0201] In some embodiments, the wealth management platform can calculate the redemption share of each asset (or product) in the following way, i.e., the redemption share of the asset = withdrawal amount * withdrawal ratio / current net value of the product.

[0202] In step 604, the wealth management platform calculates the frozen share of the bill guarantee product.

[0203] In some embodiments, the wealth management platform can calculate the number of trading days between the current net value date of the product and the redemption confirmation date (for example, assuming there are n trading days between them). Then, it can estimate the minimum amount of funds that can be transferred out of the product in the following way, i.e., the minimum received amount = redemption share * current net value of the product * (discount rate (representing the maximum daily drawdown of the product, for example, it can be 0.9)) to the power of n. Subsequently, the wealth management platform can accumulate the minimum received amounts corresponding to multiple products respectively to obtain an accumulation result, and use the subtraction result of the withdrawal amount input by the user and the accumulation result as the amount of the frozen account guarantee product, i.e., the amount of the frozen account guarantee product = withdrawal amount - sum (multiple minimum received amounts corresponding to multiple products), where sum() represents the summation function.

[0204] In step 605, the wealth management platform generates a redemption order and writes it into the fund details with the status: pending confirmation.

[0205] In some embodiments, the wealth management platform can generate a corresponding redemption order and write it into the fund details, that is, it can be recorded in the in-transit fund list.

[0206] In step 606, the wealth management platform returns the processing result to the front end.

[0207] In step 607, the wealth management platform reports the redemption request to the fund TA system at the end of the day.

[0208] In step 608, the fund TA system issues a redemption confirmation message to the wealth management platform after settlement.

[0209] In step 609, the wealth management platform operates the bill guarantee product based on the difference between the redemption received amount and the withdrawal amount.

[0210] In some embodiments, the wealth management platform may report redemption requests to the fund TA system at the end of the day. After the fund TA system clears, it issues redemption confirmations to the wealth management platform (such as multiple actual arrival amounts corresponding to multiple products). Then, the wealth management platform can calculate the difference between the withdrawal amount entered by the user and the sum of the multiple actual arrival amounts, that is, the difference = withdrawal amount - sum (multiple actual arrival amounts corresponding to multiple products). If the difference is greater than 0, it means that the difference needs to be supplemented from the account's fallback product (i.e., money fund). At this time, the amount of the account's fallback product can be unfrozen and an amount equal to the difference can be quickly redeemed; if the difference is less than 0, it means that the actual arrival amount is greater than the withdrawal amount entered by the user, then the amount of the account's fallback product can be unfrozen and the difference can be used to purchase the account's fallback product.

[0211] In step 610, after the wealth management platform receives the redemption payment from the fund company, it makes a payment to the user and updates the fund details, with the status: confirmed.

[0212] In some embodiments, after the wealth management platform receives the redemption payment from the fund company, it can make a payment to the user according to the withdrawal amount. Then, the wealth management platform can update the status of the fund details to confirmed, the bill amount to the official arrival amount, and the balance to the total balance after the redemption confirmation. For example, the above information can be recorded in the fund details list.

[0213] Next, continue to combine Figure 13 to illustrate the process of displaying earnings.

[0214] Exemplarily, refer to Figure 13 , Figure 13 which is the eighth process schematic diagram of the processing method of the resource management product provided by the embodiments of the present application. It will be described in combination with Figure 13 the steps shown.

[0215] In step 701, the fund TA system issues the net value file of day T to the timing task.

[0216] In step 702, the timing task initiates a single product earnings posting request to the wealth management platform.

[0217] In some embodiments, the fund company (i.e., the fund TA system) may issue the net value file of day T of a single asset to the wealth management platform. After the timing task of the wealth management platform scans that there is a net value file of day T, it will post earnings for the single asset.

[0218] In step 703, the wealth management platform calculates the earnings.

[0219] In some embodiments, the wealth management platform can generate corresponding earnings according to the earnings posting formula (i.e., holding share * net value difference).

[0220] In step 704, the financial management platform adds the income to the income in transit.

[0221] In some embodiments, after generating income, the financial management platform may register the income into the income in transit. At this time, the user cannot see the income record of the financial management account.

[0222] In step 705, the financial management platform returns the income of the single product to the scheduled task.

[0223] In step 706, the scheduled task initiates a request to the financial management platform to deposit the financial management account income.

[0224] In step 707, the financial management platform accumulates the earnings of multiple products.

[0225] In step 708, the financial management platform adds the income to the fund bill.

[0226] In step 709, the financial management platform returns the accumulated income of multiple products to the scheduled task.

[0227] In some embodiments, when all assets (or products) have completed the income recording, the scheduled task can initiate the income recording of the financial management account to the financial management platform. The financial management platform can accumulate all the income of the financial management account for the day and record the accumulated income in the capital bill (for example, including income and account balance). At this time, the user can see the accumulated income of the financial management account and the income corresponding to each asset in the capital bill.

[0228] In summary, the processing method of the resource management product provided in the embodiment of the present application has the following beneficial effects:

[0229] 1. Allow users to customize their financial accounts, such as including the asset allocation of the financial account, where the types of assets can include money funds and net value non-money funds;

[0230] 2. Users can flexibly configure the financial products of their financial management accounts based on their own risk level and income and expenditure status, thereby improving the long-term rate of return of overall financial management;

[0231] 3. The financial management account has the function of fund details (such as the amount of each transaction and the balance after changes, etc.), provides transparent information on fund changes, and helps the financial management platform and users to establish a trusting relationship.

[0232] The following is a description of an exemplary structure of a resource management product processing device 555 provided in an embodiment of the present application implemented as a software module. In some embodiments, for example, Figure 2 As shown, the software modules stored in the processing device 555 of the resource management product in the memory 550 may include: a display module 5551 and an export module 5552 .

[0233] A display module 5551 for displaying a resource transfer-out interface, where the resource transfer-out interface includes the quantity of resources to be transferred out set for the first resource management product and a transfer-out control; the display module 5551 is further configured to display the selected transfer-out mode in response to a transfer-out mode selection operation, where the transfer-out modes include a first transfer-out mode and a second transfer-out mode, the first transfer-out mode is a mode in which the actual quantity of resources transferred out is the same as the set quantity of resources to be transferred out, and the second transfer-out mode is a mode in which the actual quantity of resources transferred out is different from the set quantity of resources to be transferred out; a transfer-out module 5552 for transferring out resources from at least the first resource management product according to the selected transfer-out mode in response to a trigger operation on the transfer-out control.

[0234] In some embodiments, when the selected transfer-out mode is the first transfer-out mode, the transfer-out module 5552 is further configured to transfer out resources from the first resource management product; when the actual quantity of resources transferred out from the first resource management product is less than the set quantity of resources to be transferred out, resources of the same quantity as the first difference between the set quantity of resources to be transferred out and the actual quantity of resources transferred out are transferred out from the second resource management product.

[0235] In some embodiments, when there are multiple first resource management products, the resource transfer-out interface further includes the total quantity of resources to be transferred out set for the multiple first resource management products; the transfer-out module 5552 is further configured to transfer out resources from each of the multiple first resource management products; the processing device 555 of the resource management product further includes a summation module 5553 for summing up the actual quantities of resources transferred out from each of the multiple first resource management products to obtain a summation result; the transfer-out module 5552 is further configured to, when the summation result is less than the total quantity, transfer out resources of the same quantity as the first difference between the total quantity and the summation result from the second resource management product.

[0236] In some embodiments, the processing device 555 of the resource management product further includes a determination module 5554, which, before the summation module 5553 sums up the actual quantities of resources transferred out from each of the multiple first resource management products, performs the following processing for each first resource management product: obtaining a first net value of the first resource management product at a first moment, where the first moment is the moment when the trigger operation on the transfer-out control is received; dividing the set quantity of resources to be transferred out for the first resource management product by the first net value, and using the division result as the transfer-out share of the first resource management product; obtaining a second net value of the first resource management product at a second moment, where the second moment is the moment when the resource management platform settles the first resource management product; multiplying the transfer-out share by the second net value, and using the multiplication result as the actual quantity of resources transferred out from the first resource management product.

[0237] In some embodiments, before the transfer-out module 5552 transfers out the same number of resources as the first difference between the set number of resources to be transferred out and the actual number of transferred-out resources from the second resource management product, the determination module 5554 is further configured to determine the minimum number of resources that can be transferred out from the first resource management product; the processing device 555 of the resource management product further includes a freezing module 5555, configured to freeze the same number of resources as the second difference in the second resource management product according to the second difference between the set number of resources to be transferred out and the minimum number; the processing device 555 of the resource management product further includes a thawing module 5556, configured to thaw the same number of resources as the second difference in the second resource management product; the transfer-out module 5552 is further configured to transfer out the same number of resources as the first difference from the thawed resources, where the second difference is greater than the first difference.

[0238] In some embodiments, when the number of the first resource management products is multiple, the resource transfer-out interface further includes the total number of resources to be transferred out set for the multiple first resource management products; the determination module 5554 is further configured to determine the minimum number of resources that can be transferred out from each of the multiple first resource management products; the summation module 5553 is further configured to sum up the multiple minimum numbers corresponding to the multiple first resource management products respectively to obtain a summation result; the freezing module 5555 is further configured to freeze the same number of resources as the second difference in the second resource management product according to the second difference between the total number and the summation result.

[0239] In some embodiments, the determination module 5554 is further configured to determine the number of trading days between the first date and the second date, where the first date is the date when the resource management platform settles the first resource management product, and the second date is the date when a trigger operation for the transfer-out control is received; obtain the discount rate corresponding to the first resource management product; multiply the discount rate by itself the number of times equal to the number of trading days minus 1 to obtain a first multiplication result; multiply the first multiplication result by the set number of resources to be transferred out, and use the obtained second multiplication result as the minimum number of resources that can be transferred out from the first resource management product.

[0240] In some embodiments, the thawing module 5556 is further configured to thaw the same number of resources as the second difference in the second resource management product when the actual number of resources transferred out from the first resource management product is greater than the set number of resources to be transferred out; the processing device 555 of the resource management product further includes a transfer-in module 5557, configured to transfer in the same number of resources as the third difference into the second resource management product according to the third difference between the actual number of resources transferred out and the set number of resources to be transferred out.

[0241] In some embodiments, when the selected transfer-out mode is the second transfer-out mode, the transfer-out module 5552 is further configured to perform the following processing: obtain the first net value of the first resource management product at the first moment, where the first moment is the moment when a trigger operation for the transfer-out control is received; divide the set quantity of the resources to be transferred out by the first net value, and use the division result as the transfer-out share of the first resource management product; obtain the second net value of the first resource management product at the second moment, where the second moment is the moment when the resource management platform settles the first resource management product; transfer out the same quantity of resources as the multiplication result from the first resource management product according to the multiplication result of the transfer-out share and the second net value.

[0242] In some embodiments, before displaying the resource transfer-out interface, the display module 5551 is further configured to perform the following processing: display a resource transfer-in interface, where the resource transfer-in interface includes the first quantity of the resources to be transferred into the first resource management product and a transfer-in control; the transfer-in module 5557 is further configured to, in response to a trigger operation for the transfer-in control, transfer the first quantity of resources into the first resource management product.

[0243] In some embodiments, when the quantity of the first resource management products is multiple, the resource transfer-in interface further includes the total quantity of the resources to be transferred into the multiple first resource management products; the transfer-in module 5557 is further configured to, for each first resource management product, obtain the first quantity of the resources to be transferred into the first resource management product, and transfer the first quantity of resources from the total quantity of resources into the first resource management product.

[0244] In some embodiments, the resource transfer-in interface further includes the second quantity of the resources to be transferred into the second resource management product; the transfer-in module 5557 is further configured to, when responding to a trigger operation for the transfer-in control, transfer the second quantity of resources into the second resource management product.

[0245] In some embodiments, the display module 5551 is further configured to display a financial management account creation interface, where the financial management account creation interface includes the first resource management product, the second resource management product, and a creation control; the processing device 555 for the resource management product further includes a creation module 5558 and a jump module 5559, where the creation module 5558 is configured to, in response to a trigger operation for the creation control, create a financial management account including the first resource management product and the second resource management product; the jump module 5559 is configured to jump from the financial management account creation interface to the resource transfer-in interface.

[0246] In some embodiments, after the creation module 5558 creates a financial management account including a first resource management product and a second resource management product, the display module 5551 is further configured to display multiple returns corresponding to multiple trading days included in the selected time period of the financial management account, and the total return of the financial management account in the selected time period; in response to a trigger operation for the return corresponding to any trading day, display a return details interface, where the return details interface includes the return of the first resource management product on the trading day and the return of the second resource management product on the trading day.

[0247] In some embodiments, after the transfer-out module 5552 transfers out resources from at least the first resource management product, the display module 5551 is further configured to, in response to a resource details viewing operation, display a resource details interface, where the resource details interface includes at least one of the following: the quantity and transfer-out time of the resources transferred out from the first resource management product, the returns corresponding to the first resource management product on different trading days, the quantity and transfer-in time of the resources transferred into the first resource management product.

[0248] In some other embodiments, as Figure 2 shown, the software modules in the processing device 555 of the resource management product stored in the memory 550 may include: a display module 5551 and a transfer-out module 5552.

[0249] The display module 5551 is configured to display a resource transfer-out interface, where the resource transfer-out interface includes the quantity of the resources to be transferred out set for the first resource management product and a transfer-out control; the transfer-out module 5552 is configured to, in response to a trigger operation for the transfer-out control, transfer out resources from the first resource management product; the transfer-out module 5552 is further configured to, when the quantity of the resources actually transferred out from the first resource management product is less than the set quantity of the resources to be transferred out, transfer out resources of the same quantity as the first difference between the set quantity of the resources to be transferred out and the quantity of the resources actually transferred out from the second resource management product.

[0250] In some embodiments, when the quantity of the first resource management products is multiple, the resource transfer-out interface further includes the total quantity of the resources to be transferred out set for the multiple first resource management products; the processing device 555 of the resource management product further includes a summation module 5553 configured to sum the quantities of the resources actually transferred out from the multiple first resource management products respectively to obtain a summation result; the transfer-out module 5552 is further configured to, when the summation result is less than the total quantity, transfer out resources of the same quantity as the first difference between the total quantity and the summation result from the second resource management product.

[0251] In some embodiments, the processing device 555 of the resource management product further includes a determination module 5554, a freezing module 5555, and a thawing module 5556. The determination module 5554 is configured to determine the minimum quantity of resources that can be transferred out from the first resource management product before the transfer-out module 5552 transfers out the same quantity of resources as the first difference between the set quantity of resources to be transferred out and the actual quantity of resources transferred out from the second resource management product; the freezing module 5555 is configured to freeze the same quantity of resources in the second resource management product as the second difference between the set quantity of resources to be transferred out and the minimum quantity; the thawing module 5556 is configured to thaw the same quantity of resources in the second resource management product as the second difference; the transfer-out module 5552 is further configured to transfer out the same quantity of resources as the first difference from the thawed resources, where the second difference is greater than the first difference.

[0252] In some embodiments, the processing device 555 of the resource management product further includes a transfer-in module 5557, which is configured to transfer into the second resource management product the same quantity of resources as the third difference between the actual quantity of resources transferred out from the first resource management product and the set quantity of resources to be transferred out when the actual quantity of resources transferred out from the first resource management product is greater than the set quantity of resources to be transferred out.

[0253] In some embodiments, the resource transfer-out interface further includes a first transfer-out mode and a second transfer-out mode. The first transfer-out mode is the mode where the actual quantity of resources transferred out is the same as the set quantity of resources to be transferred out, and the second transfer-out mode is the mode where the actual quantity of resources transferred out is different from the set quantity of resources to be transferred out; before the transfer-out module 5552 transfers out the same quantity of resources as the first difference between the set quantity of resources to be transferred out and the actual quantity of resources transferred out from the second resource management product, the transfer-in module 5557 is further configured to, in response to a transfer-out mode selection operation, when the first transfer-out mode is selected, execute the step of transferring out the same quantity of resources as the first difference between the set quantity of resources to be transferred out and the actual quantity of resources transferred out from the second resource management product.

[0254] It should be noted that the description of the device in the embodiments of the present application is similar to the description of the above method embodiments and has similar beneficial effects as the method embodiments, so it will not be elaborated here. For the technical details not described in the processing device of the resource management product provided in the embodiments of the present application, they can be understood according to Figure 3 、 Figure 4 、or Figure 5 the description of any one of the drawings.

[0255] An embodiment of the present application provides a computer program product, which includes a computer program or computer-executable instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer-executable instructions from the computer-readable storage medium, and the processor executes the computer-executable instructions, so that the computer device executes the processing method of the resource management product in the above embodiments of the present application.

[0256] An embodiment of the present application provides a computer-readable storage medium storing computer-executable instructions, where the computer-executable instructions are stored, and when the computer-executable instructions are executed by a processor, the processor will be caused to execute the processing method of the resource management product provided by the embodiment of the present application. For example, as Figure 3 、 Figure 4 、or Figure 5 the processing method of the resource management product shown.

[0257] In some embodiments, the computer-readable storage medium may be a memory such as FRAM, ROM, PROM, EPROM, EEPROM, flash memory, magnetic surface memory, optical disc, or CD-ROM; or it may be various devices including one or any combination of the above memories.

[0258] In some embodiments, the executable instructions may be in the form of a program, software, software module, script, or code, and may be written in any form of programming language (including compiled or interpreted languages, or declarative or procedural languages), and may be deployed in any form, including being deployed as an independent program or being deployed as a module, component, subroutine, or other unit suitable for use in a computing environment.

[0259] As an example, the executable instructions may be deployed to be executed on an electronic device, or on multiple electronic devices located at one location, or on multiple electronic devices distributed at multiple locations and interconnected through a communication network.

[0260] As described above, the above are only embodiments of the present application and are not used to limit the protection scope of the present application. Any modifications, equivalent replacements, improvements, etc. made within the spirit and scope of the present application are all included in the protection scope of the present application.

Claims

1. A method for processing a resource management product, characterized in that: The method comprises: Displaying a resource transfer-out interface, wherein the resource transfer-out interface includes the number of resources to be transferred out set for the first resource management product and a transfer-out control; In response to a roll-out mode selection operation, displaying a selected roll-out mode, wherein the roll-out mode includes a first roll-out mode and a second roll-out mode, the first roll-out mode being a mode in which the number of actually rolled-out resources is the same as the number of the set resources to be rolled-out, and the second roll-out mode being a mode in which the number of actually rolled-out resources is different from the number of the set resources to be rolled-out; In response to a triggering operation on the roll-out control, resources are at least rolled out from the first resource management product according to the selected roll-out mode.

2. The method according to claim 1, characterized in that When the selected roll-out mode is the first roll-out mode, the step of at least rolling out resources from the first resource management product according to the selected roll-out mode includes: transferring resources from the first resource management product; When the number of resources actually transferred out from the first resource management product is less than the set number of resources to be transferred out, according to the first difference between the set number of resources to be transferred out and the actually transferred number of resources, the same number of resources as the first difference is transferred out from the second resource management product.

3. The method according to claim 2, characterized in that When there are multiple first resource management products, the resource transfer-out interface further includes the total number of resources to be transferred out set for the multiple first resource management products; The transferring out resources from the first resource management product includes: Transferring resources from the plurality of first resource management products respectively; When the number of resources actually transferred out from the first resource management product is less than the set number of resources to be transferred out, transferring out resources of the same number as the first difference from the second resource management product according to the first difference between the set number of resources to be transferred out and the actually transferred out number of resources, comprises: summing up the amounts of resources actually transferred out from the plurality of first resource management products to obtain a sum result; When the sum is less than the total quantity, according to a first difference between the total quantity and the sum, resources of the same quantity as the first difference are transferred out from the second resource management product.

4. The method according to claim 3, characterized in that Before summing the amounts of resources actually transferred out from the first resource management products, the method further includes: For each of the first resource management products, the following processing is performed: Acquire a first net value of the first resource management product at a first moment, wherein the first moment is a moment when a trigger operation for the transfer-out control is received; Dividing the amount of resources to be transferred out set for the first resource management product by the first net value, and using the division result as the transfer share of the first resource management product; Acquire a second net value of the first resource management product at a second moment, wherein the second moment is a moment when the resource management platform settles the first resource management product; The transfer-out share is multiplied by the second net value, and the multiplication result is used as the amount of resources actually transferred out from the first resource management product.

5. The method according to claim 2, characterized in that: Before transferring out resources of the same quantity as the first difference between the set quantity of resources to be transferred out and the quantity of the actually transferred out resources from the second resource management product according to the first difference between the set quantity of resources to be transferred out and the quantity of the actually transferred out resources, the method further includes: Determining a minimum amount of resources that can be transferred from the first resource management product; According to the second difference between the set number of resources to be transferred out and the minimum number, freezing the resources in the second resource management product with the same number as the second difference; The transferring out resources of the same quantity as the first difference from the second resource management product includes: The resources in the second resource management product having the same quantity as the second difference are unfrozen, and the resources having the same quantity as the first difference are transferred out from the unfrozen resources, wherein the second difference is greater than the first difference.

6. The method according to claim 5, characterized in that When there are multiple first resource management products, the resource transfer-out interface further includes the total number of resources to be transferred out set for the multiple first resource management products; The determining the minimum number of resources that can be transferred out from the first resource management product includes: Determining the minimum number of resources that can be transferred out from each of the plurality of first resource management products; The freezing, according to the second difference between the set number of resources to be transferred out and the minimum number, resources in the second resource management product having the same number as the second difference includes: Summing a plurality of the minimum quantities respectively corresponding to a plurality of the first resource management products to obtain a sum result; According to a second difference between the total quantity and the summation result, resources in a second resource management product having a quantity equal to the second difference are frozen.

7. The method according to claim 5, characterized in that The determining the minimum number of resources that can be transferred out from the first resource management product includes: Determining the number of trading days between a first date and a second date, wherein the first date is the date on which the resource management platform settles the first resource management product, and the second date is the date on which a trigger operation for the transfer-out control is received; Obtaining a discount rate corresponding to the first resource management product; Multiplying the discount rate by itself by a number equal to the number of trading days between each other minus 1, to obtain a first multiplication result; The first multiplication result is multiplied by the set number of resources to be transferred out, and the obtained second multiplication result is used as the minimum number of resources that can be transferred out from the first resource management product.

8. The method according to claim 5, characterized in that When the number of resources actually transferred out from the first resource management product is greater than the set number of resources to be transferred out, the method further includes: Unfreezing the resources in the second resource management product in a quantity equal to the second difference; According to a third difference between the number of resources actually transferred out and the set number of resources to be transferred out, resources of a number equal to the third difference are transferred into the second resource management product.

9. The method according to claim 1, characterized in that: When the selected transfer-out mode is the second transfer-out mode, transferring resources from at least the first resource management product according to the selected transfer-out mode includes: Acquire a first net value of the first resource management product at a first moment, wherein the first moment is a moment when a trigger operation for the transfer-out control is received; Dividing the set amount of resources to be transferred out by the first net value, and using the division result as the transfer share of the first resource management product; Acquire a second net value of the first resource management product at a second moment, wherein the second moment is a moment when the resource management platform settles the first resource management product; According to the multiplication result of the transfer-out share and the second net value, resources of an amount equal to the multiplication result are transferred out from the first resource management product.

10. The method according to any one of claims 1 to 9, characterized in that: Before displaying the resource transfer-out interface, the method further includes: Displaying a resource transfer interface, wherein the resource transfer interface includes a first quantity of resources to be transferred set for the first resource management product and a transfer control; In response to a trigger operation on the transfer control, the first amount of resources is transferred to the first resource management product.

11. The method according to claim 10, characterized in that When there are multiple first resource management products, the resource transfer interface further includes the total number of resources to be transferred set for the multiple first resource management products; The transferring the first amount of resources to the first resource management product includes: For each of the first resource management products, a first quantity of resources to be transferred set for the first resource management product is obtained, and the first quantity of resources is transferred to the first resource management product from the total quantity of resources.

12. The method according to claim 10, characterized in that The resource transfer interface also includes a second quantity of resources to be transferred set for the second resource management product; In response to the trigger operation on the transfer control, the method further includes: The second amount of resources is transferred to the second resource management product.

13. The method according to claim 12, characterized in that The display resource transfer interface includes: Displaying a financial account creation interface, wherein the financial account creation interface includes the first resource management product, the second resource management product, and a creation control; In response to a trigger operation on the creation control, a financial management account including the first resource management product and the second resource management product is created, and a jump is made from the financial management account creation interface to a resource transfer interface.

14. The method according to claim 13, characterized in that After creating the financial account including the first resource management product and the second resource management product, the method further includes: Displaying a plurality of incomes corresponding to a plurality of trading days included in the selected time period of the financial management account, and the total income of the financial management account in the selected time period; In response to a trigger operation for the income corresponding to any trading day, an income details interface is displayed, wherein the income details interface includes the income of the first resource management product on the trading day, and the income of the second resource management product on the trading day.

15. The method according to any one of claims 1 to 14, characterized in that After transferring resources from at least the first resource management product, the method further includes: In response to the resource detail viewing operation, the resource detail interface is displayed, wherein the resource detail interface includes at least one of the following: the quantity and time of resources transferred out from the first resource management product, the income corresponding to the first resource management product on different trading days, and the quantity and time of resources transferred into the first resource management product.

16. A method for processing a resource management product, characterized in that: The method comprises: Displaying a resource transfer-out interface, wherein the resource transfer-out interface includes the number of resources to be transferred out set for the first resource management product and a transfer-out control; In response to a trigger operation on the roll-out control, roll out resources from the first resource management product; When the number of resources actually transferred out from the first resource management product is less than the set number of resources to be transferred out, according to the first difference between the set number of resources to be transferred out and the actually transferred number of resources, the same number of resources as the first difference is transferred out from the second resource management product.

17. The method according to claim 16, characterized in that When there are multiple first resource management products, the resource transfer-out interface further includes the total number of resources to be transferred out set for the multiple first resource management products; When the number of resources actually transferred out from the first resource management product is less than the set number of resources to be transferred out, transferring out resources of the same number as the first difference from the second resource management product according to the first difference between the set number of resources to be transferred out and the actually transferred out number of resources, comprises: summing up the amounts of resources actually transferred out from the plurality of first resource management products to obtain a sum result; When the sum is less than the total quantity, according to a first difference between the total quantity and the sum, resources of the same quantity as the first difference are transferred out from the second resource management product.

18. The method according to claim 16, characterized in that Before transferring out resources of the same quantity as the first difference between the set quantity of resources to be transferred out and the quantity of the actually transferred out resources from the second resource management product according to the first difference between the set quantity of resources to be transferred out and the quantity of the actually transferred out resources, the method further includes: Determining a minimum amount of resources that can be transferred from the first resource management product; According to the second difference between the set number of resources to be transferred out and the minimum number, freezing the resources in the second resource management product with the same number as the second difference; The transferring out resources of the same quantity as the first difference from the second resource management product includes: The resources in the second resource management product having the same quantity as the second difference are unfrozen, and the resources having the same quantity as the first difference are transferred out from the unfrozen resources, wherein the second difference is greater than the first difference.

19. The method according to claim 16, characterized in that When the number of resources actually transferred out from the first resource management product is greater than the set number of resources to be transferred out, the method further includes: According to a third difference between the number of resources actually transferred out and the set number of resources to be transferred out, resources of a number equal to the third difference are transferred into the second resource management product.

20. The method according to any one of claims 16 to 19, characterized in that The resource transfer interface further includes a first transfer mode and a second transfer mode, wherein the first transfer mode is a mode in which the number of actually transferred resources is the same as the number of the set resources to be transferred out, and the second transfer mode is a mode in which the number of actually transferred resources is different from the number of the set resources to be transferred out; Before transferring out resources of the same quantity as the first difference between the set quantity of resources to be transferred out and the quantity of the actually transferred out resources from the second resource management product according to the first difference between the set quantity of resources to be transferred out and the quantity of the actually transferred out resources, the method further includes: In response to the transfer mode selection operation, when the first transfer mode is selected, the step of transferring out the same amount of resources as the first difference between the set number of resources to be transferred out and the actual number of transferred resources from the second resource management product is executed.

21. A processing device for a resource management product, characterized in that: The device comprises: A display module, configured to display a resource transfer-out interface, wherein the resource transfer-out interface includes the number of resources to be transferred-out set for the first resource management product and a transfer-out control; The display module is further configured to display a selected roll-out mode in response to a roll-out mode selection operation, wherein the roll-out mode includes a first roll-out mode and a second roll-out mode, the first roll-out mode being a mode in which the number of actually transferred resources is the same as the number of the set resources to be transferred out, and the second roll-out mode being a mode in which the number of actually transferred resources is different from the number of the set resources to be transferred out; The roll-out module is used to respond to the trigger operation on the roll-out control and roll out resources from at least the first resource management product according to the selected roll-out mode.

22. A processing device for a resource management product, characterized in that: The device comprises: A display module, configured to display a resource transfer-out interface, wherein the resource transfer-out interface includes the number of resources to be transferred-out set for the first resource management product and a transfer-out control; A roll-out module, configured to roll out resources from the first resource management product in response to a trigger operation on the roll-out control; The transfer-out module is also used to transfer out, from the second resource management product, a quantity of resources equal to a first difference between the set number of resources to be transferred out and the actually transferred number of resources when the actually transferred number of resources from the first resource management product is less than the set number of resources to be transferred out.

23. An electronic device, characterized in that: include: A memory for storing computer executable instructions; A processor, used to implement the processing method of the resource management product described in any one of claims 1 to 15 or any one of claims 16 to 20 when executing the computer executable instructions stored in the memory.

24. A computer-readable storage medium storing computer-executable instructions, characterized in that: When the computer executable instructions are executed by a processor, the processing method of the resource management product described in any one of claims 1 to 15 or any one of claims 16 to 20 is implemented.

25. A computer program product comprising a computer program or computer executable instructions, characterized in that: When the computer program or computer executable instructions are executed by a processor, the processing method of the resource management product described in any one of claims 1 to 15 or any one of claims 16 to 20 is implemented.

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