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-in interface is displayed, and the resource transfer-in interface comprises a selected resource management product, the number of to-be-transferred resources set for the resource management product, a resource compensation product pre-configured for the resource management product and a transfer-in control; in response to a trigger operation for the transfer-in control, transferring the resources with the number to the resource management product; in response to a revenue viewing operation for the resource management product, displaying a revenue interface of the resource management product, the revenue interface comprising a plurality of revenue corresponding to the resource management product in a plurality of historical trading days; and for any one of the plurality of earnings, when the earnings are negative, first prompt information is displayed around the earnings, and the first prompt information is used for prompting to get a set number of resources from the resource compensation product. According to the invention, the user churn rate of the financial management platform can be effectively reduced.

Description

Technical Field

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

[0002] With the rapid development of internet technology, various financial institutions have launched their own internet applications and corresponding resource management products (such as financial products) within these applications. This has greatly improved the efficiency of people processing financial products. Among these, mutual funds are a type of financial product. Funds are initiated by fund management companies or other institutions, raising capital from the public and then investing in various assets such as stocks, bonds, and money market instruments to achieve diversified investment, reduce risk, and increase returns. As a medium- to high-risk financial product, mutual funds carry the possibility of loss. However, related technologies cannot dynamically respond to users' loss status, resulting in a high user churn rate. Summary of the Invention

[0003] This application provides a method, apparatus, electronic device, computer-readable storage medium, and computer program product for processing resource management products, which can effectively reduce the user churn rate of financial management platforms.

[0004] The technical solution of this application embodiment is implemented as follows:

[0005] This application provides a method for processing a resource management product, including:

[0006] The resource transfer interface is displayed, which includes the selected resource management product, the number of resources to be transferred for the resource management product, the resource compensation product pre-configured for the resource management product, and the transfer control.

[0007] In response to a trigger operation on the transfer control, the specified amount of resources are transferred to the resource management product;

[0008] In response to an operation to view the revenue of the resource management product, the revenue interface of the resource management product is displayed, wherein the revenue interface includes multiple revenues of the resource management product corresponding to multiple historical trading days;

[0009] For any of the multiple benefits, when the benefit is negative, a first prompt message is displayed around the benefit, wherein the first prompt message is used to prompt the recipient to claim a set amount of resources from the resource compensation product.

[0010] This application provides a processing apparatus for a resource management product, including:

[0011] The display module is used to display the resource transfer interface, wherein the resource transfer interface includes the selected resource management product, the number of resources to be transferred set for the resource management product, the resource compensation products pre-configured for the resource management product, and the transfer control;

[0012] The transfer module is used to transfer the specified amount of resources to the resource management product in response to a trigger operation on the transfer control.

[0013] The display module is also used to respond to the operation of viewing the revenue of the resource management product and display the revenue interface of the resource management product, wherein the revenue interface includes multiple revenues of the resource management product corresponding to multiple historical trading days.

[0014] The display module is further configured to, for any of the plurality of benefits, when the benefit is negative, display a first prompt message around the benefit, wherein the first prompt message is used to prompt the recipient to claim a set number of resources from the resource compensation product.

[0015] In the above scheme, the resource transfer interface also includes multiple transfer methods; the display module is further used to highlight the selected transfer method in response to the selection operation of the multiple transfer methods; the transfer module is further used to transfer the quantity of resources to the resource management product according to the selected transfer method in response to the trigger operation of the transfer control.

[0016] In the above scheme, the device further includes a transfer module, which is used to perform the following processing after the display module displays the first prompt information around the benefit: in response to the trigger operation of the first prompt information, transfer a set number of resources from the resource compensation product to the account of the target object, wherein the target object is the object holding the resource management product.

[0017] In the above scheme, the device further includes a determining module, used to determine the amount of resources that the target object can receive based on the benefit in response to a trigger operation for the first prompt information; the transfer module is further used to transfer the amount of resources from the resource compensation product to the target object's account.

[0018] In the above scheme, the determining module is further configured to multiply the income by a pre-configured ratio to obtain a multiplication result; subtract the total number of resources included in the resource compensation product from the number of resources already received by the target object to obtain a subtraction result; and take the minimum value among the absolute value of the multiplication result, the subtraction result, and the pre-configured maximum number of resources that can be received per day as the number of resources that the target object can receive.

[0019] In the above scheme, the display module is further configured to display an interactive interface in response to a trigger operation for the first prompt information; the determination module is further configured to determine the amount of resources that the target object can receive based on the interaction result after completing the interaction in the interactive interface; the transfer module is further configured to transfer the amount of resources from the resource compensation product to the target object's account.

[0020] In the above scheme, the display module is further configured to display multiple virtual cards in the interactive interface; in response to a trigger operation on any of the virtual cards, the triggered virtual card is flipped from the back to the front; the determining module is further configured to use the number of the triggered virtual cards displayed on the front as the number of resources that the target object can claim.

[0021] In the above scheme, the display module is further configured to display a countdown control and a second prompt message in the interactive interface, wherein the second prompt message is used to prompt the target object to shake the electronic device; in response to the countdown control displaying the end of the countdown, the number of times the target object shakes the electronic device used to display the interactive interface is displayed in the interactive interface; the determining module is further configured to determine the amount of resources that the target object can receive based on the number of times, wherein the amount is positively correlated with the number of times.

[0022] In the above scheme, the device further includes a control module for controlling multiple interactive elements to appear from the first end of the interactive interface and gradually move to the second end of the interactive interface until they are removed from the interactive interface; the determining module is further used to determine the number of triggered interactive elements among the multiple interactive elements in response to the multiple interactive elements all moving out of the interactive interface; and to determine the number of resources that the target object can claim based on the number of triggered interactive elements, wherein the number of resources that the target object can claim is positively correlated with the number of triggered interactive elements.

[0023] In the above scheme, the display module is further configured to display multiple virtual containers in the interactive interface; in response to a trigger operation for any of the virtual containers, play an animation of the triggered virtual container breaking; in response to the completion of the animation playback, display the number of the triggered virtual containers encapsulated; the determining module is further configured to use the number as the number of resources that the target object can claim.

[0024] In the above scheme, the display module is further configured to display multiple questions and multiple candidate answers corresponding to each question in the interactive interface; the device further includes a comparison module, configured to compare the candidate answer selected by the target object from the multiple candidate answers corresponding to the question with the standard answer corresponding to the question for each question, and obtain a comparison result; the determination module is further configured to determine the accuracy rate of the target object based on the multiple comparison results corresponding to the multiple questions; and determine the amount of resources that the target object can receive based on the accuracy rate, wherein the amount is positively correlated with the accuracy rate.

[0025] In the above scheme, the display module is further configured to display a third prompt message, interactive text, and an audio acquisition control in the interactive interface, wherein the third prompt message is used to prompt the reading of the interactive text; the device further includes an acquisition module, configured to, in response to a trigger operation on the audio acquisition control, acquire audio from the environment in which the electronic device displaying the interactive interface is located, and obtain the audio output by the target object in the environment; the comparison module is further configured to convert the audio into corresponding text, and compare the converted text with the interactive text to obtain a comparison result; the determination module is further configured to determine the amount of resources that the target object can receive based on the comparison result.

[0026] In the above scheme, the display module is further configured to display a fourth prompt message and an interactive pattern in the interactive interface, wherein the fourth prompt message is used to prompt the drawing of the interactive pattern; the comparison module is further configured to, in response to receiving a sliding operation triggered by the target object in the interactive interface, compare the pattern formed by the sliding trajectory of the sliding operation with the interactive pattern to obtain a comparison result; the determination module is further configured to determine the amount of resources that the target object can receive based on the comparison result.

[0027] In the above scheme, the display module is further configured to display a fifth prompt message, an interactive pattern, and an image acquisition control in the interactive interface, wherein the fifth prompt message is used to prompt the drawing of the interactive pattern; the acquisition module is further configured to, in response to a trigger operation on the image acquisition control, perform image acquisition on the environment in which the electronic device displaying the interactive interface is located, and obtain the motion trajectory of the target object in the environment; the comparison module is further configured to compare the pattern formed by the motion trajectory with the interactive pattern to obtain a comparison result; the determination module is further configured to determine the amount of resources that the target object can receive based on the comparison result.

[0028] In the above scheme, the display module is further configured to display a countdown control and multiple virtual targets in the interactive interface; the determining module is further configured to determine the number of virtual targets that have been knocked down among the multiple virtual targets in response to the countdown control displaying the end of the countdown; and to determine the number of resources that the target object can claim based on the number of virtual targets that have been knocked down, wherein the number of resources that the target object can claim is positively correlated with the number of virtual targets that have been knocked down.

[0029] In the above scheme, the determining module is further used to determine the initial quantity of resources that the target object can receive based on the interaction result; the device also includes an acquisition module and an adjustment module, wherein the acquisition module is used to acquire the feature data of the target object; the adjustment module is used to adjust the initial quantity based on the feature data to obtain the adjusted quantity; the determining module is further used to use the adjusted quantity as the final quantity of resources that the target object can receive.

[0030] In the above scheme, the acquisition module is further configured to acquire feature data of the target object in response to the trigger operation of the first prompt information; the device further includes a prediction module, configured to call a machine learning model to perform prediction processing based on the feature data of the target object and the amount of resources currently remaining in the resource compensation product, to obtain the amount of resources that the target object can receive; the transfer module is further configured to transfer the amount of resources from the resource compensation product to the target object's account.

[0031] In the above scheme, the display module is further configured to display multiple transfer options in response to the trigger operation of the first prompt information, wherein the multiple transfer options include: transfer to account option and transfer to resource management product option; the transfer module is further configured to transfer a set number of resources from the resource compensation product to the target object's account in response to the selection of the transfer to account option.

[0032] In the above scheme, after the display module displays the multiple transfer options, the transfer module is further configured to transfer a set number of resources from the resource compensation product to the resource management product in response to the selection of the transfer resource management product option.

[0033] In the above scheme, the resource management product has a lock-up period; the device also includes a write-off module, which is used to perform the following processing after the display module displays the first prompt information around the income: in response to the current time exceeding the lock-up period of the resource management product, or the number of resources included in the resource compensation product being zero, write off the resource compensation product.

[0034] In the above scheme, the display module is further configured to display a resource transfer interface in response to a subscription trigger operation for a resource management product. The resource transfer interface includes a resource management product selection control, a transfer quantity setting control, a resource compensation product display control, and a transfer control. In response to a trigger operation for the resource management product selection control, multiple candidate resource management products are displayed. In response to a selection operation for the multiple candidate resource management products, the selected candidate resource management product is displayed in the resource management product selection control. The transfer quantity setting control receives the quantity of resources to be transferred for the selected candidate resource management product. The resource compensation product display control displays the resource compensation products pre-configured for the selected candidate resource management product.

[0035] This application provides an electronic device, including:

[0036] Memory is used to store executable instructions for a computer;

[0037] The processor, when executing computer-executable instructions stored in the memory, implements the processing method of the resource management product provided in the embodiments of this application.

[0038] This application provides 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 in this application.

[0039] This application provides a computer program product, including a computer program or computer executable instructions, which, when executed by a processor, implements the processing method of the resource management product provided in this application.

[0040] The embodiments of this application have the following beneficial effects:

[0041] By configuring resource compensation products for the resource management products selected by users, when the resource management products incur losses, users can be prompted to receive a set amount of resources from the resource compensation products. In this way, by responding to the user's loss status and having the financial platform bear part of the loss, the platform can enhance user trust and effectively reduce user churn. Attached Figure Description

[0042] Figure 1 This is a schematic diagram of the architecture of the processing system 100 of the resource management product provided in this application embodiment;

[0043] Figure 2 This is a schematic diagram of the structure of the electronic device 500 provided in the embodiments of this application;

[0044] Figure 3 This is a first flowchart illustrating the processing method of the resource management product provided in this application embodiment;

[0045] Figure 4 This is a second flowchart illustrating the processing method of the resource management product provided in this application embodiment;

[0046] Figure 5 This is a schematic diagram of the third process of the resource management product processing method provided in the embodiments of this application;

[0047] Figure 6 This is a schematic diagram of a first application scenario of the processing method of the resource management product provided in the embodiments of this application;

[0048] Figure 7 This is a schematic diagram of a second application scenario of the processing method of the resource management product provided in the embodiments of this application;

[0049] Figure 8 This is a schematic diagram of a third application scenario of the processing method of the resource management product provided in the embodiments of this application;

[0050] Figure 9 This is a schematic diagram of the fourth process of the resource management product processing method provided in the embodiments of this application;

[0051] Figure 10 This is a schematic diagram of the fifth process of the resource management product processing method provided in the embodiments of this application;

[0052] Figure 11 This is a schematic diagram of the sixth process of the resource management product processing method provided in the embodiments of this application;

[0053] Figure 12 This is a schematic diagram of the seventh process of the resource management product processing method provided in the embodiments of this application;

[0054] Figure 13 This is the eighth flowchart of the processing method for the resource management product provided in the embodiments of this application. Detailed Implementation

[0055] To make the objectives, technical solutions, and advantages of this application clearer, the application will be further described in detail below with reference to the accompanying drawings. The described embodiments should not be regarded as limitations on this application. All other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.

[0056] In the following description, references are made to “some embodiments,” which describe a subset of all possible embodiments. However, it is understood that “some embodiments” may be the same subset or different subsets of all possible embodiments and may be combined with each other without conflict.

[0057] It is understood that in the embodiments of this application, data such as user information are involved. When the embodiments of this application are applied to specific products or technologies, user permission or consent is required, and the collection, use and processing of related data must comply with relevant laws, regulations and standards.

[0058] In the following description, the terms “first, second, ...” are used merely to distinguish similar objects and do not represent a specific ordering of objects. It is understood that “first, second, ...” may be interchanged in a specific order or sequence where permitted, so that the embodiments of this application described herein can be implemented in an order other than that illustrated or described herein.

[0059] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs. The terminology used herein is for the purpose of describing embodiments of this application only and is not intended to limit this application.

[0060] Before providing a further detailed description of the embodiments of this application, the nouns and terms involved in the embodiments of this application will be explained, and the nouns and terms involved in the embodiments of this application shall be interpreted as follows.

[0061] 1) Responding to: used to indicate the conditions or states on which the operation is performed depends. When the conditions or states on which it depends are met, one or more operations can be performed in real time or with a set delay. Unless otherwise specified, there is no restriction on the order in which the multiple operations are performed.

[0062] 2) Resource management products: These include financial products and products with financial transaction attributes. Financial products may include funds, stocks, and bonds, while products with financial transaction attributes may include digital resources, precious metals, and collectibles.

[0063] 3) Trading day: refers to the date on which resource management products can be traded. Trading days generally cover weekdays from Monday to Friday, but weekends and statutory holidays must be excluded.

[0064] 4) Resource compensation products: These are products offered by the financial management platform to compensate users who have suffered losses. For example, when a user's resource management product incurs a loss, the user can receive a set amount of resources from the resource compensation product, which can compensate the user's loss to a certain extent.

[0065] This application provides a method, apparatus, electronic device, computer-readable storage medium, and computer program product for processing resource management products, which can effectively reduce the user churn rate of financial management platforms. The electronic device provided in this application embodiment is described below. The electronic device provided in this application embodiment can be implemented as various types of terminal devices such as smartphones, tablets, laptops, desktop computers, smart speakers, smartwatches, and in-vehicle terminals, but is not limited thereto.

[0066] For example, see Figure 1 , Figure 1 This is a schematic diagram of the architecture of the processing system 100 of the resource management product provided in this application embodiment, as shown below. Figure 1 As shown in the embodiment of this application, the processing system 100 for the resource management product includes: a server 200, a network 300, and a terminal device 400. The server 200 can be an independent physical server, a server cluster or 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 communication, middleware services, domain name services, security services, content delivery networks (CDNs), and big data and artificial intelligence platforms. The network 300 can be a local area network (LAN), a wide area network (WAN), or a combination of both. The terminal device 400 is a user-associated terminal device, on which a client 410 runs. The client 410 can be various types of clients, such as dedicated financial management clients, instant messaging clients, and payment clients.

[0067] In some embodiments, taking client 410 as a dedicated financial management client as an example, client 410 may display a resource transfer interface. This interface may include a resource management product selected by the user (e.g., Fund A), the quantity of resources to be transferred to the selected resource management product (e.g., 1000), a pre-configured resource compensation product for the selected resource management product (e.g., financial funds), and a transfer control. In response to a user's trigger operation (e.g., a click) on the transfer control, client 410 transfers the user-set quantity of resources to the selected resource management product. Subsequently, in response to a return viewing operation for the resource management product, client 410 sends a return query request to server 200 via network 300. This return query request may carry the product identifier of the resource management product (e.g., the identifier of Fund A). Upon receiving the return query request from client 410, server 200 first parses the product identifier from the request and returns the return list of the resource management product corresponding to that product identifier to client 410 via network 300 for display. For example, after receiving the profit list returned by server 200, client 410 can display the profit interface of the resource management product, showing the received profit list. This profit list can include multiple profits corresponding to the resource management product over multiple historical trading days. Finally, for each profit, when the profit is negative, client 410 can display a first prompt message around it. This first prompt message can be used to remind the user to claim a set amount of resources from the resource compensation product. For example, when the user triggers an action based on the first prompt message, the set amount of resources can be transferred from the resource compensation product to the user's bank account. Thus, by responding promptly to the user's loss status and having the financial platform bear part of the user's loss, user trust in the financial platform can be increased, thereby effectively reducing the user churn rate.

[0068] In other embodiments, the terminal device can also implement the processing method of the resource management product provided in this application embodiment by running various computer-executable instructions or computer programs. For example, computer-executable instructions can be microprogram-level commands, machine instructions, or software instructions. Computer programs can be native programs or software modules in an operating system; they can be native applications (APPs), i.e., programs that need to be installed in the operating system to run, such as financial management APPs; or they can be applets that can be embedded in any APP, i.e., programs that only need to be downloaded to a browser environment to run. In summary, the above-mentioned computer-executable instructions can be any form of instruction, and the above-mentioned computer programs can be any form of application, module, or plugin.

[0069] The structure of the electronic device provided in the embodiments of this application will be further described below. Taking the electronic device as a terminal device as an example, see... Figure 2 , Figure 2 This is a schematic diagram of the structure of the electronic device 500 provided in the embodiments of this application. Figure 2 The illustrated electronic device 500 includes at least one processor 510, a memory 550, at least one network interface 520, and a user interface 530. The various components in the electronic device 500 are coupled together via a bus system 540. It is understood that the bus system 540 is used to implement communication between these components. In addition to a data bus, the bus system 540 also includes a power bus, a control bus, and a status signal bus. However, for clarity, ... Figure 2 The general labeled all buses as Bus System 540.

[0070] The processor 510 can be an integrated circuit chip with signal processing capabilities, such as a general-purpose processor, a digital signal processor (DSP), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. The general-purpose processor can be a microprocessor or any conventional processor.

[0071] 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 displays. User interface 530 also includes one or more input devices 532, including user interface components that facilitate user input, such as a keyboard, mouse, microphone, touch screen display, camera, other input buttons and controls.

[0072] The memory 550 may be removable, non-removable, or a combination thereof. Exemplary hardware devices include solid-state storage, hard disk drives, optical disk drives, etc. The memory 550 may optionally include one or more storage devices physically located away from the processor 510.

[0073] The memory 550 may include volatile memory or non-volatile memory, or both. The non-volatile memory may be read-only memory (ROM), and the volatile memory may be random access memory (RAM). The memory 550 described in this application embodiment is intended to include any suitable type of memory.

[0074] In some embodiments, memory 550 is capable of storing data to support various operations, examples of which include programs, modules, and data structures or subsets or supersets thereof, as illustrated below.

[0075] Operating system 551 includes system programs for handling various basic system services and performing hardware-related tasks, such as the framework layer, core library layer, driver layer, etc., for implementing various basic business functions and handling hardware-based tasks;

[0076] 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 including: Bluetooth, WiFi, and Universal Serial Bus (USB), etc.

[0077] Presentation module 553 is configured to enable the presentation of information (e.g., a user interface for operating peripheral devices and displaying content and information) via one or more output devices 531 (e.g., a display screen, a speaker, etc.) associated with user interface 530;

[0078] The input processing module 554 is used to detect and translate one or more user inputs or interactions from one or more input devices 532.

[0079] In some embodiments, the apparatus provided in this application can be implemented in software. Figure 2A processing device 555 for a resource management product stored in memory 550 is shown. This device can be software in the form of programs and plug-ins, and includes the following software modules: a display module 5551, a transfer module 5552, a transfer module 5553, a determination module 5554, a control module 5555, a comparison module 5556, a data acquisition module 5557, an acquisition module 5558, an adjustment module 5559, a prediction module 55510, and a verification module 55511. These modules are logically connected and can therefore be arbitrarily combined or further split according to the functions implemented. It should be noted that... Figure 2 For ease of explanation, all the above modules are shown at once, but this should not be considered as excluding the implementation of the resource management product processing device 555 which may only include the display module 5551 and the transfer module 5552. The functions of each module will be described below.

[0080] The following will describe in detail the processing method of the resource management product provided in the embodiments of this application, with reference to the exemplary application and implementation of the terminal device provided in the embodiments of this application.

[0081] For example, see Figure 3 , Figure 3 This is a first flowchart illustrating the processing method of the resource management product provided in this application embodiment, which will be combined with... Figure 3 The steps shown are explained.

[0082] It should be noted that, Figure 3 The method illustrated can be executed by various forms of computer programs running on the terminal device, and is not limited to a client. For example, it can also be the operating system, software module, script, and applet mentioned above. Therefore, the client-side examples used below should not be considered as limiting the embodiments of this application. Furthermore, for ease of description, no specific distinction will be made between the terminal device and the client running on the terminal device below.

[0083] In step 101, the resource transfer interface is displayed.

[0084] Here, the resource transfer interface may include the selected resource management product, the number of resources to be transferred for the selected resource management product, the resource compensation products pre-configured for the selected resource management product, and the transfer control.

[0085] In some embodiments, step 101 above can be implemented as follows: In response to a subscription trigger operation for a resource management product, a resource transfer interface is displayed, wherein the resource transfer interface may include a resource management product selection control, a transfer quantity setting control, a resource compensation product display control, and a transfer control; In response to a trigger operation for the resource management product selection control, multiple candidate resource management products (e.g., multiple candidate funds) are displayed; In response to a selection operation for multiple candidate resource management products, the selected candidate resource management product (e.g., Fund A) is displayed in the resource management product selection control; The transfer quantity setting control receives the quantity of resources to be transferred for the selected candidate resource management product; The resource compensation product display control displays a pre-configured resource compensation product (e.g., investment funds) for the selected candidate resource management product. In other words, when a user subscribes to a fund, they can also use investment funds. Thus, if the user's subsequent fund subscription incurs a loss, investment funds can be awarded to the user, meaning the investment platform can bear part of the loss, thereby increasing user trust in the investment platform and effectively reducing user churn.

[0086] It should be noted that the internal management personnel of the wealth management platform can pre-configure corresponding resource management products (such as funds) for resource compensation products (such as wealth management funds). In other words, users can only use wealth management funds when they subscribe to these funds. In addition, in order to control the overall operating costs of the wealth management platform and prevent exceeding the operating budget, the internal management personnel of the wealth management platform can also configure the maximum amount that users can receive per day (for example, 1 yuan) and the maximum amount that they can receive (for example, 100 yuan).

[0087] In step 102, in response to a trigger operation on the transfer control, the set amount of resources is transferred to the resource management product.

[0088] In some embodiments, the resource transfer interface described above may also include multiple transfer methods (e.g., multiple payment methods), in which case step 102 can be implemented as follows: in response to a selection operation for multiple transfer methods, the selected transfer method is highlighted; in response to a trigger operation for the transfer control, the set amount of resources is transferred to the resource management product according to the selected transfer method.

[0089] For example, taking a fund as an example of a resource management product, when a user subscribes to a fund, multiple payment methods can be displayed on the resource transfer interface for the user to choose from. After selecting a payment method, the user can click the transfer button displayed on the resource transfer interface. Upon receiving the user's click on the transfer button, the payment for the subscription order corresponding to the selected fund can be processed according to the user's selected payment method. In this way, by providing multiple payment methods for the user to choose from, the user's payment experience is improved.

[0090] In step 103, in response to the operation of viewing the revenue of the resource management product, the revenue interface of the resource management product is displayed.

[0091] Here, the earnings interface can include multiple earnings corresponding to the resource management product over multiple historical trading days. For example, the earnings interface can display multiple earnings corresponding to the resource management product (e.g., Fund A) over multiple historical trading days in the most recent month.

[0092] In some embodiments, taking Fund A, which is subscribed to by a user through a resource management product, as an example, when a user's request to view the returns of Fund A is received, such as clicking the "Returns" button, a return query request can be sent to the server. This return query request may carry the identifier of Fund A. Upon receiving the return query request, the server can first extract the identifier of Fund A from the request and then query the database for the return list of Fund A based on that identifier. Subsequently, the server can return the return list of Fund A to the client, causing the client to be redirected to the return interface of Fund A, where the server-returned return list of Fund A is displayed. This return list may include multiple returns corresponding to different historical trading days within the past month for Fund A.

[0093] In step 104, for any one of the multiple benefits, when the benefit is negative, a first prompt message is displayed around the benefit.

[0094] Here, the first prompt message can be used to prompt you to claim a set amount of resources from the resource compensation product. The periphery of the benefit can refer to the area where the distance to the benefit is less than a distance threshold. For example, the first prompt message can be displayed to the left of the benefit.

[0095] In some embodiments, taking Fund A, purchased by a user through a resource management product, as an example, the returns interface of Fund A can display the returns for the past 5 trading days (e.g., historical trading days 1 to 5). If Fund A's return on historical trading day 1 is negative (i.e., the user's purchase of Fund A incurred a loss on historical trading day 1), a first notification message can be displayed around the corresponding return on historical trading day 1 (e.g., on the left). This first notification message could be: "Investment Bonus Pending Collection." In other words, when a user's purchased fund incurs a loss, the user can be reminded to collect the investment bonus. By having the investment platform bear part of the user's loss, the platform can increase user trust and effectively reduce user churn.

[0096] In other embodiments, see Figure 4 , Figure 4 This is a second flowchart illustrating the processing method of the resource management product provided in this application embodiment, as shown below. Figure 4 As shown, after execution Figure 3 After step 104 shown, you can also execute... Figure 4 Step 105 shown will combine Figure 4 The steps shown are explained.

[0097] In step 105, in response to the triggering operation for the first prompt message, a set amount of resources is transferred from the resource compensation product to the target object's account.

[0098] Here, the target audience is the entity that owns the resource management product.

[0099] In some embodiments, step 105 above can be implemented as follows: in response to a triggering operation for the first prompt information, the amount of resources that the target object can receive is determined based on the benefit, and the amount of resources is transferred from the resource compensation product to the target object's account.

[0100] For example, taking user 1 as the target audience, suppose that fund A purchased by user 1 has a negative return on a certain historical trading day. A first notification message can be displayed around (e.g., on the left) the return data for that historical trading day. When user 1 clicks on this first notification message, the system can determine the amount user 1 can receive from a resource compensation product (e.g., investment funds) based on fund A's return on that historical trading day, and transfer that amount from the investment funds to user 1's bank account. The greater user 1's loss on that historical trading day, the larger the amount they can receive from the investment funds. This allows users to experience positive returns even when they are losing money, reducing negative feelings towards investment products (e.g., funds) and thus improving user retention.

[0101] In other embodiments, following the examples above, the determination of the amount of resources that the target object can receive based on the benefits can be achieved in the following way: multiply the benefits by a pre-configured ratio to obtain a multiplication result; subtract the total amount of resources included in the resource compensation product from the amount of resources already received by the target object to obtain a subtraction result; and take the minimum value among the absolute value of the multiplication result, the subtraction result, and the pre-configured maximum amount of resources that can be received per day as the amount of resources that the target object can receive.

[0102] For example, continuing with User 1 as the target, suppose that Fund A, which User 1 subscribed to, had a negative return on a certain historical trading day. A first notification message could be displayed to the left of the return for that historical trading day. When User 1 clicks on this notification message, the return of Fund A on that historical trading day (e.g., -50 yuan) can be multiplied by the return ratio pre-configured by the platform's internal management for resource compensation products (e.g., investment funds) (e.g., 0.05), resulting in a multiplication result of -2.5 yuan. Then, the maximum reward amount pre-configured by the platform's internal management for investment funds (e.g., 10 yuan) can be subtracted from the amount User 1 has already received (e.g., 2 yuan), resulting in a subtraction result of 8 yuan. Then, the minimum of the absolute value of the multiplication result, the subtraction result, and the maximum daily amount that the financial management personnel of the financial platform can receive (for example, assuming it is 1 yuan) can be used as the amount that user 1 can currently receive. For example, 1 yuan can be transferred from the financial funds to user 1's bank account. In this way, while controlling the overall cost of the financial platform, users can still have the experience of positive returns when they lose money, reducing users' negative emotions towards the financial platform, and thus effectively reducing the user churn rate of the financial platform.

[0103] In some embodiments, step 105 above can also be implemented in the following ways: in response to the triggering operation of the first prompt information, display an interactive interface; in response to completing the interaction in the interactive interface, determine the amount of resources that the target object can receive based on the interaction result, and transfer the amount of resources from the resource compensation product to the target object's account.

[0104] For example, continuing with User 1 as the target user, suppose that Fund A, which User 1 subscribed to, had a negative return on a certain historical trading day. A first notification could be displayed around (e.g., on the left) the return data for that historical trading day. When User 1 clicks on this first notification, an interactive interface can be displayed. In response to User 1's interaction on the interactive interface, the amount User 1 receives from a resource compensation product (e.g., investment funds) can be determined based on the interaction result, and this amount can be transferred from the investment funds to User 1's bank account. In other words, User 1 can receive investment fund rewards by participating in activities displayed on the interactive interface, and the amount User 1 can receive can be related to the interaction result, thus further enhancing the user experience.

[0105] In other embodiments, following the examples above, the above-mentioned response to completing an interaction in the interactive interface and determining the number of resources that the target object can claim based on the interaction result can be achieved in the following way: displaying multiple virtual cards in the interactive interface; in response to a trigger operation on any virtual card, flipping the triggered virtual card from back to front; and using the number of the triggered virtual cards displayed on the front as the number of resources that the target object can claim.

[0106] For example, taking user 1 as the target, the interactive interface can display multiple virtual cards (e.g., four virtual cards, namely virtual card 1 to virtual card 4, with the backs facing up) for user 1 to choose from. If user 1 selects virtual card 2 from these four cards, and a click is received on virtual card 2, the interface can control virtual card 2 to flip from back to front. The amount displayed on the front of virtual card 2 will then be the amount user 1 can currently receive from resource compensation products (e.g., investment funds). In other words, the user can determine the amount they can receive by flipping a card, further enhancing the user experience and reducing psychological pressure.

[0107] In some embodiments, following the above examples, the above-mentioned response to completing an interaction in the interactive interface and determining the amount of resources that the target object can receive based on the interaction result can also be achieved in the following ways: displaying a countdown control and a second prompt message in the interactive interface, wherein the second prompt message can be used to prompt the shaking of the electronic device; in response to the countdown control displaying the end of the countdown, displaying the number of times the target object shakes the electronic device used to display the interactive interface in the interactive interface; determining the amount of resources that the target object can receive based on the number of times, wherein the amount of resources that the target object can receive can be positively correlated with the number of times the target object shakes the electronic device, that is, the more times the target object shakes the electronic device, the more resources it can receive.

[0108] For example, taking user 1 as the target, the interactive interface can display a countdown control and a prompt message to encourage user 1 to shake their phone. User 1 can shake their phone according to the prompt message displayed on the interactive interface. When the countdown displayed by the countdown control (e.g., a 1-minute countdown) ends, the number of times user 1 shook their phone can be displayed on the interactive interface. Based on the number of times user 1 shook their phone, the amount that user 1 can currently receive from the resource compensation product (e.g., investment funds) can be determined. The reward amount that user 1 can currently receive from the investment funds can be positively correlated with the number of times user 1 shook their phone; that is, the more times user 1 shakes their phone, the more investment funds reward they receive. In this way, users can still experience positive returns even when they incur losses, and the reward that users can receive is related to the user's interaction results, thereby reducing users' negative emotions towards investment products.

[0109] It should be noted that in practical applications, besides determining the amount of resources a target can receive based on the number of times the target shakes the electronic device, the amount of resources a target can receive can also be determined based on the frequency of shaking the electronic device (e.g., the number of times per second) and the duration of shaking. Alternatively, the number of times the target shakes the electronic device, the shaking frequency, and the shaking duration can be weighted and summed to determine the amount of resources a target can receive. This application does not specifically limit this approach.

[0110] In other embodiments, following the examples above, the above-mentioned response to completing an interaction in the interactive interface and determining the amount of resources that the target object can claim based on the interaction result can also be achieved in the following way: controlling multiple interactive elements to appear from the first end (e.g., the top or right side) of the interactive interface and gradually move towards the second end (e.g., the bottom or left side) of the interactive interface until they are removed from the interactive interface; in response to multiple interactive elements being removed from the interactive interface, determining the number of interactive elements that have been triggered among the multiple interactive elements; determining the amount of resources that the target object can claim based on the number of interactive elements that have been triggered, wherein the amount of resources that the target object can claim may be positively correlated with the number of interactive elements that have been triggered, that is, during the movement of multiple interactive elements, the more interactive elements that the target object triggers (e.g., clicks), the more resources the target object can claim.

[0111] For example, taking user 1 as the target, multiple virtual red envelopes can be controlled to appear from the top of the interactive interface and gradually move towards the bottom until they are removed from the interface (i.e., a red envelope rain can be displayed on the interactive interface). User 1 needs to click on the virtual red envelopes before they are removed from the interactive interface. When all virtual red envelopes are detected to have been removed from the interactive interface, the number of virtual red envelopes clicked by user 1 can be counted, and the amount of reward that user 1 can currently receive from resource compensation products (such as investment funds) can be determined based on the number of virtual red envelopes clicked by user 1. For example, the more virtual red envelopes user 1 clicks, the greater the reward amount that can be received from investment funds. In this way, users can still experience positive returns even when they lose money, and the amount of reward that users can receive is positively correlated with the number of virtual red envelopes clicked by the user. This can effectively reduce users' negative emotions and psychological pressure regarding investment products, thereby improving user retention.

[0112] In some embodiments, following the above examples, the above-mentioned response to completing an interaction in the interactive interface and determining the number of resources that the target object can claim based on the interaction result can also be achieved in the following ways: displaying multiple opaque virtual containers (e.g., blind boxes) in the interactive interface; playing an animation of the triggered virtual container breaking in response to a trigger operation on any virtual container; and displaying the number of virtual containers encapsulated in the triggered virtual container in response to the completion of the animation, and using this number as the number of resources that the target object can claim.

[0113] For example, taking user 1 as the target, multiple opaque virtual containers (e.g., five virtual containers, numbered 1 to 5, each containing a corresponding amount) can be displayed on the interactive interface for user 1 to choose from. If user 1 selects virtual container 4 from these five, and the interface receives a click on virtual container 4, an animation of container 4 breaking can be played. After the animation finishes, the amount contained in virtual container 4 is displayed, and this amount becomes the reward user 1 can currently receive from a resource compensation product (e.g., investment funds). For example, if virtual container 4 contains 5 yuan, 5 yuan can be transferred from investment funds to user 1's bank account. In other words, the user can determine the reward amount from investment funds in a way similar to opening a blind box, allowing them to experience positive returns even when they incur losses. Furthermore, the reward amount is random, thus compensating for user losses to some extent, reducing psychological pressure, and ultimately increasing user trust in the investment platform.

[0114] In other embodiments, following the examples above, the above-mentioned response to completing an interaction in the interactive interface and determining the amount of resources that the target object can receive based on the interaction result can also be achieved in the following ways: Multiple questions and multiple candidate answers corresponding to each question are displayed in the interactive interface; for each question, the candidate answer selected by the target object from the multiple candidate answers corresponding to that question is compared with the standard answer corresponding to that question to obtain a comparison result; based on the multiple comparison results corresponding to the multiple questions, the target object's accuracy rate is determined; based on the accuracy rate, the amount of resources that the target object can receive is determined, wherein the amount of resources that the target object can receive can be positively correlated with the accuracy rate, that is, the higher the accuracy rate of the target object when answering questions, the more resources it can receive.

[0115] For example, taking user 1 as the target, the interactive interface can display multiple financial management-related questions (e.g., 10 financial management-related questions) and multiple candidate answers for each question (e.g., 4 candidate answers). For each question, the candidate answer selected by user 1 from the 4 candidate answers can be compared with the standard answer for that question to obtain a comparison result. For example, taking question 1 as an example, if the candidate answer selected by user 1 from the 4 candidate answers for question 1 matches the standard answer for question 1, a comparison result of user 1 answering correctly can be generated; if the candidate answer selected by user 1 from the 4 candidate answers for question 1 does not match the standard answer for question 1, a comparison result of user 1 answering incorrectly can be generated. Next, based on the 10 comparison results corresponding to the 10 questions mentioned above, the accuracy rate of User 1's answers can be calculated. Based on this accuracy rate, the amount of reward User 1 can currently receive from resource compensation products (such as investment funds) can be determined. The amount of reward User 1 can currently receive from investment funds can be positively correlated with the accuracy rate of User 1's answers; that is, the higher the accuracy rate, the larger the reward amount. For example, when User 1's accuracy rate is 40%, the reward they can currently receive from investment funds is 0.4 yuan; when the accuracy rate is 80%, the reward they can currently receive is 0.8 yuan. This can compensate for the user's losses to a certain extent, and the amount of reward the user can receive is related to the user's accuracy rate. This allows users to experience positive returns even when they suffer losses, while also encouraging them to learn more about financial management.

[0116] It should be noted that the questions displayed in the interactive interface can be generated based on artificial intelligence technology, and the questions displayed in the interactive interface can be different for different users. For example, for novice users, whose financial knowledge is relatively limited, the questions displayed in the interactive interface can be simpler; while for experienced users, who already have a certain level of financial knowledge, the questions displayed in the interactive interface can be relatively more complex. This application embodiment does not impose specific limitations on this. For example, before displaying multiple questions and multiple candidate answers corresponding to each question in the interactive interface, feature data of the target object can be obtained first, and the feature data of the target object can be input into a large language model so that the large language model can generate multiple questions that conform to the target object's cognition, and multiple candidate answers corresponding to each question. Among the multiple candidate answers, one candidate answer is correct, and the other candidate answers are incorrect.

[0117] Furthermore, it should be noted that in practical applications, the amount of reward a user can ultimately receive can also be determined by combining the user's answering time and the number of consecutive correct answers. For example, the user's answering accuracy, answering time, and the number of consecutive correct answers can be weighted and summed to obtain a weighted sum result, and the amount of reward a user can ultimately receive can be determined based on the weighted sum result. This application embodiment does not specifically limit this.

[0118] In some embodiments, following the above examples, the above-mentioned response to completing an interaction in the interactive interface and determining the number of resources that the target object can receive based on the interaction result can also be achieved in the following ways: displaying a third prompt message, interactive text, and an audio capture control in the interactive interface, wherein the third prompt message can be used to prompt the reading of the interactive text; in response to a trigger operation on the audio capture control, performing audio capture on the environment in which the electronic device displaying the interactive interface is located, and obtaining the audio output by the target object in the environment; converting the audio into corresponding text, and comparing the converted text with the interactive text displayed in the interactive interface to obtain a comparison result (for example, the similarity between the converted text and the interactive text displayed in the interactive interface can be calculated); determining the number of resources that the target object can receive based on the comparison result, for example, the number of resources that the target object can receive can be positively correlated with the similarity, that is, the greater the similarity (indicating that the target object reads more completely), the more resources the target object can receive.

[0119] For example, taking User 1 as the target, a piece of text related to finance (such as financial terminology) can be displayed on the interactive interface, prompting User 1 to read it aloud. When User 1 clicks on the audio capture control (such as the record button) displayed on the interactive interface, the microphone of the electronic device (such as User 1's mobile phone) can be used to capture the audio. For example, after User 1 clicks the record button, they can read the text displayed on the interactive interface. At this time, User 1's mobile phone can capture the sound emitted by User 1 through the microphone, obtaining the corresponding audio. Subsequently, speech-to-text technology can be used to convert the captured audio into the corresponding text, and the converted text can be compared with the text displayed on the interactive interface. For example, the similarity between the converted text and the text displayed on the interactive interface can be calculated to determine the accuracy of User 1's reading. Next, the amount of reward that user 1 can currently receive from resource compensation products (such as investment funds) can be determined based on the calculated similarity. The amount of reward that user 1 can currently receive from investment funds can be positively correlated with the calculated similarity. That is, the more accurate user 1's reading is, the greater the amount of reward that can be received from investment funds. In this way, users can still have the experience of obtaining positive returns when they lose money, which compensates for the user's losses to a certain extent and can reduce the user's negative emotions towards the investment platform.

[0120] It should be noted that, in practical applications, the amount of reward a user can ultimately receive can also be determined by combining the deviation between the user's reading speed and the standard reading speed, as well as the emotional score of the user's reading. For example, the accuracy of the user's reading, the deviation between the user's reading speed and the standard reading speed, and the emotional score of the user's reading can be weighted and summed, and the amount of reward a user can ultimately receive can be determined based on the weighted summation result. This application embodiment does not specifically limit this.

[0121] In other embodiments, following the examples above, the above-mentioned response to completing an interaction in the interactive interface and determining the amount of resources that the target object can receive based on the interaction result can also be achieved in the following ways: displaying a fourth prompt message and an interactive pattern in the interactive interface, wherein the fourth prompt message can be used to prompt the drawing of the interactive pattern; in response to receiving a sliding operation triggered by the target object in the interactive interface, comparing the pattern formed by the sliding trajectory of the sliding operation with the interactive pattern displayed in the interactive interface (for example, calculating the similarity between the pattern formed by the sliding trajectory of the sliding operation and the interactive pattern) to obtain a comparison result; and determining the amount of resources that the target object can receive based on the comparison result.

[0122] For example, taking user 1 as the target, the interactive interface can display an interactive pattern (such as the logo of a financial platform) and prompts to prompt user 1 to draw the interactive pattern. User 1 can draw an interactive pattern displayed on the interactive interface based on the prompts. For example, User 1 can slide their finger across the screen. The pattern formed by User 1's sliding motion can then be compared with the interactive pattern displayed on the interface. For example, the similarity between the two patterns can be calculated. Subsequently, based on the similarity, the amount of reward User 1 can currently receive from resource compensation products (such as investment funds) can be determined. The amount of reward User 1 can currently receive from investment funds can be positively correlated with the aforementioned similarity. That is, the more similar the pattern drawn by User 1 is to the interactive pattern displayed on the interface, the larger the reward amount User 1 can receive. In this way, by compensating users through the investment platform, users can still experience positive returns even when they suffer losses. Furthermore, the amount of reward that users can receive is related to the pattern drawn by the user. This can reduce users' negative emotions towards the investment platform while increasing users' trust in the investment platform, thereby improving user retention.

[0123] In some embodiments, following the above examples, the target object can also be drawn in the air. This can be achieved by: responding to an interaction completed in the interactive interface and determining the amount of resources the target object can receive based on the interaction result; displaying a fifth prompt message, an interactive pattern, and an image acquisition control in the interactive interface, wherein the fifth prompt message can be used to prompt the drawing of the interactive pattern; in response to a trigger operation on the image acquisition control, capturing an image of the environment in which the electronic device displaying the interactive interface is located, obtaining the movement trajectory of the target object in the environment (e.g., the movement trajectory of the target object's finger in the environment); comparing the pattern formed by the movement trajectory with the interactive pattern displayed in the interactive interface to obtain a comparison result; and determining the amount of resources the target object can receive based on the comparison result.

[0124] For example, taking user 1 as the target, the interactive interface can display an interactive pattern (such as the logo of a financial platform) and prompts for user 1 to draw the interactive pattern. When user 1 clicks on the image capture control (such as the camera button) displayed on the interactive interface, the environment of user 1's electronic device (such as a mobile phone) can be captured to obtain user 1's movement trajectory in the environment. For example, after user 1 clicks the camera button displayed on the interactive interface, the interactive pattern displayed on the interactive interface can be drawn in the air in front of the front camera of user 1's mobile phone using their finger. Next, the pattern formed by the movement trajectory of User 1's mobile phone in the environment can be compared with the interactive pattern displayed in the interactive interface. For example, the similarity between the two patterns can be calculated, and the amount of reward that User 1 can currently receive from resource compensation products (such as investment funds) can be determined based on the calculated similarity. The amount of reward that User 1 can currently receive from investment funds can be positively correlated with the aforementioned similarity. That is, the more similar the pattern drawn by User 1 is to the interactive pattern displayed in the interactive interface, the greater the amount of reward that User 1 can currently receive from investment funds. In this way, by compensating users through the investment platform, users can still experience positive returns even when they suffer losses. Furthermore, the amount of reward that users can receive is related to the pattern drawn by the user. This can reduce users' negative emotions towards the investment platform while increasing users' trust in the investment platform, thereby improving user retention.

[0125] In other embodiments, following the examples above, the above-mentioned response to completing an interaction in the interactive interface and determining the amount of resources that the target object can claim based on the interaction result can also be achieved in the following way: displaying a countdown control and multiple virtual targets in the interactive interface; in response to the countdown control displaying the end of the countdown, determining the number of virtual targets that have been knocked down among the multiple virtual targets; determining the amount of resources that the target object can claim based on the number of virtual targets that have been knocked down, wherein the amount of resources that the target object can claim can be positively correlated with the number of virtual targets that have been knocked down, that is, the more virtual targets the target object knocks down before the countdown ends, the more resources it can claim.

[0126] For example, taking user 1 as the target, a countdown timer and multiple virtual targets (e.g., 10) can be displayed in the interactive interface. User 1 can shoot at these 10 virtual targets using virtual shooting tools displayed in the interactive interface. When the countdown timer (e.g., a 60-second countdown) ends, the number of virtual targets knocked down by user 1 can be counted. Based on the number of virtual targets knocked down, the amount of reward user 1 can currently receive from resource compensation products (e.g., investment funds) can be determined. The amount of reward user 1 can currently receive from investment funds can be positively correlated with the number of virtual targets knocked down; that is, the more virtual targets user 1 knocks down, the greater the reward amount they can receive from investment funds. Thus, by using a shooting mini-game to determine the amount of reward a user can receive, users can still experience positive returns even when they incur losses. Furthermore, by compensating users through the investment platform, negative emotions towards the investment platform can be reduced, thereby improving user retention.

[0127] It should be noted that in practical applications, the amount of reward a user can receive can also be determined based on parameters such as hit rate, shooting reaction time, and number of consecutive hits. For example, the hit rate, shooting reaction time, and number of consecutive hits can be weighted and summed to obtain a weighted sum result, and the amount of reward a user can receive can be determined based on the weighted sum result. This application embodiment does not specifically limit this.

[0128] In some embodiments, following the above example, the determination of the number of resources that the target object can receive based on the interaction results can also be achieved in the following way: determining the initial number of resources that the target object can receive based on the interaction results; obtaining the characteristic data of the target object, and adjusting the initial number based on the characteristic data of the target object to obtain the adjusted number; and using the adjusted number as the final number of resources that the target object can receive.

[0129] For example, taking user 1 as the target, the initial amount of reward user 1 can receive from resource compensation products (such as investment funds) can be determined based on the interaction results of user 1 in the interactive interface (such as the accuracy rate of user 1's answers, the number of virtual red envelopes user 1 clicks, the number of times user 1 shakes their phone, etc.). Then, user 1's characteristic data can be obtained, and the initial amount can be adjusted according to the characteristic data. For example, when user 1 is a new user, since new users are more sensitive to losses, the initial amount can be increased (for example, the initial amount can be multiplied by 1.5) to retain new users, that is, a higher reward can be given to new users. When user 1 is an old user, since old users are less sensitive to losses, the initial amount can be decreased (for example, the initial amount can be multiplied by 0.8). In other words, the initial amount can be fine-tuned according to user 1's characteristic data, thereby effectively improving the user retention rate while controlling the operating costs of the investment platform.

[0130] In other embodiments, the amount of resources that the target object can receive can also be determined based on artificial intelligence technology. In this case, step 105 above can also be implemented in the following way: in response to the trigger operation of the first prompt information, the characteristic data of the target object is obtained; based on the characteristic data of the target object and the amount of resources currently remaining in the resource compensation product, a machine learning model is invoked to perform prediction processing to obtain the amount of resources that the target object can receive; the amount of resources is transferred from the resource compensation product to the target object's account.

[0131] For example, taking user 1 as the target, if the fund A that user 1 subscribed to had a negative return on a certain historical trading day, the first prompt information can be displayed to the left of the return on that historical trading day. When user 1 clicks on the first prompt message, user 1's characteristic data can be obtained (e.g., account opening duration, login frequency in the last 7 days, dwell time, whether the profit analysis page has been opened, and the recent 7-day investment rate). Then, user 1's characteristic data and the current remaining resources of the resource compensation product (e.g., investment funds) (e.g., the current remaining amount of investment funds) can be input into a pre-trained machine learning model. This allows the model to output the amount of reward user 1 can currently receive from the investment funds. This amount can then be transferred from the investment funds to user 1's bank account. Thus, by analyzing user characteristics using artificial intelligence, the model can accurately output the reward amount each user can receive. For example, if the machine learning model determines that user 1 is particularly sensitive to losses based on their characteristic data, a relatively high reward amount can be output to retain user 1; if the model determines that user 1 is not very sensitive to losses based on their characteristic data, a relatively low reward amount can be output to control the operating costs of the investment platform. In other words, artificial intelligence technology can be used to accurately output the amount of reward each user can receive, thereby retaining users while controlling the operating costs of the financial platform.

[0132] In some embodiments, step 105 above can also be implemented in the following manner: in response to a triggering operation for the first prompt information, displaying multiple transfer options, wherein the multiple transfer options may include: transfer to account option, transfer to resource management product option; in response to the transfer to account option being selected, transferring a set number of resources from the resource compensation product to the target object's account.

[0133] For example, taking user 1 as the target, suppose that fund A purchased by user 1 has a negative return on a certain historical trading day. A first notification message can be displayed to the left of the return information for that historical trading day. When user 1 clicks on this notification message, two transfer options (let's say transfer to a bank account and transfer to a fund) can be displayed for user 1 to choose from. If user 1 selects the bank account option, a set amount of resources can be transferred from a resource compensation product (such as wealth management funds) to user 1's bank account. For example, if user 1 can currently receive 1 yuan in rewards from wealth management funds, 1 yuan can be transferred from wealth management funds to user 1's bank account. Thus, by providing multiple transfer methods for users to choose from, the user transfer experience can be effectively improved, meeting the personalized needs of different users.

[0134] In other embodiments, following the examples above, after displaying multiple transfer options, the following process can also be performed: in response to the selection of the transfer to resource management product option, a set number of resources are transferred from the resource compensation product to the resource management product.

[0135] For example, continuing from the previous example and focusing on User 1, suppose that the return of Fund A purchased by User 1 was negative on a certain historical trading day. A first notification message could be displayed to the left of the return information for that historical trading day. When User 1 clicks on this notification message, two transfer options (let's say transfer to a bank account and transfer to a fund) can be displayed for User 1 to choose from. If User 1 selects the transfer to fund option, a set amount of resources can be transferred from resource compensation products (such as investment funds) to Fund A held by User 1. For example, if User 1 currently has 1 yuan in rewards from investment funds, 1 yuan can be transferred from investment funds to Fund A held by User 1. This allows the investment fund rewards issued by the investment platform to be used to purchase Fund A, thus meeting the personalized needs of different users.

[0136] In some embodiments, the resource management products described above may have a lock-in period; see [link to relevant documentation]. Figure 5 , Figure 5 This is a schematic diagram of the third process of the resource management product processing method provided in the embodiments of this application, as shown below. Figure 5 As shown, after execution Figure 3 After step 104 shown, you can also execute... Figure 5 The illustrated step 106 will combine Figure 5 The steps shown are explained.

[0137] In step 106, in response to the current time exceeding the lockout period of the resource management product or the resource compensation product containing zero resources, the resource compensation product is written off.

[0138] In some embodiments, taking a fund as an example of a resource management product, when a user subscribes to a fund with a lock-up period, the system can detect in real time whether the current time has exceeded the fund's lock-up period. If the current time has exceeded the fund's lock-up period, it can be determined that the resource compensation product (such as investment funds) managed by the fund has expired, and the investment platform can be invoked to cancel the investment funds. Alternatively, when the remaining amount in the investment funds is zero, that is, when the user has received all the investment fund rewards issued by the investment platform, it can be determined that the investment funds have expired, and the investment platform can also be invoked to cancel the investment funds. In this way, by cancelling expired investment funds, the situation where users cannot receive investment fund rewards can be avoided.

[0139] The following example, using a resource management product as a fund, illustrates an exemplary application of the embodiments of this application in a real-world application scenario.

[0140] This application provides a method for processing resource management products. Through processes such as configuring investment funds (corresponding to the aforementioned resource compensation product), distributing investment funds, managing investment funds upon subscription, and calculating reward amounts based on the actual returns of orders while holding investment funds, a reverse reward mechanism for investment funds and returns from real transactions is implemented. After users experience ordinary investment funds, new users are attracted to try real subscriptions to investment products. Even if real investment results in losses, users can still receive returns from the investment funds distributed by the investment platform, meaning the platform bears part of the loss, thereby increasing user trust and lowering the barrier to entry. Therefore, it can serve as an innovative marketing tool to attract new users and enhance their investment experience. In other words, the technical solution provided in this application combines reverse compensation for real subscriptions to reward investment funds, helping users gain psychological comfort when experiencing losses, while controlling the overall costs of the investment platform. As an innovative marketing method for low-risk products, it attracts users to participate in specific activities or products, especially helping new users lower their psychological barrier and encouraging them to try investment products.

[0141] The processing method of the resource management product provided in the embodiments of this application will be described in detail below.

[0142] The following is a combination of... Figure 6 The process of allocating funds for investment is explained.

[0143] For example, see Figure 6 , Figure 6This is a schematic diagram of a first application scenario of the processing method of the resource management product provided in this application embodiment, such as... Figure 6 As shown, internal management personnel of the wealth management platform can perform relevant configuration operations on the wealth management fund configuration interface 600. For example, they can configure the product pool 610 corresponding to this wealth management fund (e.g., assuming it includes Fund A and Fund B). This means that users can only use the wealth management fund when subscribing to these wealth management products. For example, internal management personnel can select wealth management products with a lock-up period (e.g., wealth management products with a 30-day or 60-day lock-up period). Users must hold these products for the lock-up period before subscribing, and the wealth management fund will only be awarded based on the lock-up period. Furthermore, internal management personnel can configure the return ratio 620 (e.g., 0.05) on the wealth management fund configuration interface 600. This way, when a user's subscribed wealth management product incurs a loss, a corresponding wealth management fund reward can be issued based on the percentage of loss. Additionally, to prevent exceeding the operating budget, for a scheme that distributes wealth management fund rewards on a daily basis, internal management personnel can also configure the maximum daily amount 630 on the wealth management fund configuration interface 600. Of course, the platform's internal administrators can also configure the maximum reward amount for the investment funds in the investment fund configuration interface (600). Finally, after configuring the above parameters for this investment fund, the platform's internal administrators can click the confirmation button (650) to confirm.

[0144] It should be noted that the investment reward will only be issued to users when their invested products incur losses (i.e., negative returns). The greater the loss, the larger the reward. No investment reward will be issued when the user's investment products generate positive returns.

[0145] The following will continue to combine Figure 7 and Figure 8 Explain the process of using the investment funds.

[0146] For example, see Figure 7 , Figure 7 This is a schematic diagram of a second application scenario of the processing method of the resource management product provided in the embodiments of this application, such as... Figure 7As shown, the resource transfer interface 700 displays the user-selected fund 710 (e.g., Fund A), the transfer amount set by the user for Fund A 720, and the associated financial benefits 730 (e.g., financial funds, which users can obtain through various financial platforms and choose to use when subscribing to corresponding financial products). Furthermore, the resource transfer interface 700 also displays multiple payment methods for the user to choose from. After selecting a payment method, the user can click the transfer button 740. When the user clicks the transfer button 740, the amount required to subscribe to Fund A can be paid according to the user's selected payment method.

[0147] For example, see Figure 8 , Figure 8 This is a schematic diagram of a third application scenario of the processing method of the resource management product provided in the embodiments of this application, such as... Figure 8 As shown, when a user requests to view the returns of a financial product (e.g., Fund A), the Fund A return interface 800 can be displayed. This interface 800 shows Fund A's returns over a past period. If Fund A's return is negative on a particular historical trading day, a notification message (corresponding to the first notification message mentioned above) can be displayed near that return to remind the user to claim the financial reward. For example, if Fund A's return on XXXX-06-10 is negative (i.e., Fund A incurred a loss), notification message 810 can be displayed near the XXXX-06-10 return to remind the user to claim the financial reward. Similarly, since Fund A's returns on XXXX-06-06 and XXXX-06-05 are also negative, notification message 820 can be displayed near (e.g., to the left) the XXXX-06-06 return, and notification message 830 can be displayed to the left of the XXXX-06-05 return. After clicking on any notification message, the user can claim the corresponding financial reward. For example, when a user clicks on prompt message 810, a corresponding investment reward can be transferred to the user's bank account (for example, 1 yuan can be transferred to the user's bank account).

[0148] The following will continue to combine Figure 9 The process of allocating funds for investment is explained.

[0149] For example, see Figure 9 , Figure 9 This is a schematic diagram of the fourth process of the resource management product processing method provided in the embodiments of this application, which will be combined with Figure 9 The steps shown are explained.

[0150] In step 201, the management page receives parameters such as the product pool and distribution mode input by the internal management personnel of the wealth management platform.

[0151] In some embodiments, the internal management personnel of the wealth management platform can configure relevant parameters of the wealth management fund on the management page. For example, the internal management personnel of the wealth management platform can configure the product pool, distribution mode and distribution amount corresponding to this wealth management fund.

[0152] In step 202, the management page sends a request to the wealth management platform to create wealth management funds.

[0153] In some embodiments, after receiving the configuration parameters input by the internal management personnel of the wealth management platform, the management page can call the wealth management platform to create a wealth management fund. For example, the management page can send a wealth management fund creation request to the wealth management platform, and the request can carry the relevant parameters configured by the internal management personnel of the wealth management platform for this wealth management fund.

[0154] In step 203, the wealth management platform records the wealth management parameters.

[0155] In some embodiments, after receiving a request to create a wealth management fund from the management page, the wealth management platform can first extract the configuration parameters carried in the request and record the extracted parameters (i.e., wealth management fund parameters). Finally, the wealth management platform can create the corresponding wealth management fund based on the extracted parameters.

[0156] In step 204, the wealth management platform returns the created wealth management funds to the management page.

[0157] In some embodiments, after creating an investment fund, the wealth management platform can return the created fund to the management page for display. Internal administrators of the wealth management platform can then further verify the investment fund displayed on the management page.

[0158] The following will continue to combine Figure 10 The process of distributing investment funds will be explained.

[0159] For example, see Figure 10 , Figure 10 This is a schematic diagram of the fifth process of the resource management product processing method provided in this application embodiment, which will be combined with... Figure 10 The steps shown are explained.

[0160] In step 301, the management page receives parameters configured by internal personnel of the financial management platform for the marketing campaign.

[0161] In some embodiments, internal administrators of the wealth management platform can configure marketing campaigns on the management page and associate wealth management funds as rewards.

[0162] In step 302, the management page sends a marketing campaign creation request to the wealth management platform.

[0163] In some embodiments, after receiving the parameters configured for the marketing activity by the internal administrators of the wealth management platform, the management page can request the wealth management platform to create the corresponding marketing activity. For example, the management page can send a marketing activity creation request to the wealth management platform, and the request can carry the parameters configured for the marketing activity to be created by the internal administrators of the wealth management platform.

[0164] In step 303, the wealth management platform records the marketing campaign parameters.

[0165] In some embodiments, after receiving a marketing campaign creation request sent by the management page, the financial platform can first extract the parameters carried in the received marketing campaign creation request and record the extracted parameters (i.e., marketing campaign parameters), and then create the corresponding marketing campaign according to these parameters.

[0166] In step 304, the wealth management platform returns the created marketing campaign to the management page.

[0167] In some embodiments, after creating a corresponding marketing campaign according to the marketing campaign parameters, the wealth management platform can return the created marketing campaign to the management page.

[0168] In step 305, the management page sends the marketing campaign to the front-end page.

[0169] In some embodiments, the management page can display the marketing campaign received from the wealth management platform for confirmation by the platform's internal administrators. Once the internal administrators confirm the campaign is correct, the management page can then send it to the front-end page.

[0170] In step 306, the front-end page sends a notification message to the financial management platform regarding the user's participation in the marketing activity.

[0171] In some embodiments, the front-end page (e.g., the page of a financial management app installed on a user's mobile phone) can display a marketing campaign after receiving it from the management page. Users can participate in the marketing campaign displayed on the front-end page. When the front-end page detects that a user has participated in the marketing campaign, it can send a notification message to the financial management platform to inform the platform that the user has participated in the marketing campaign.

[0172] In step 307, the wealth management platform distributes wealth management funds to users.

[0173] In some embodiments, after confirming that a user has participated in a marketing campaign, the wealth management platform may issue a wealth management reward to the user if the wealth management product purchased by the user incurs a loss.

[0174] In step 308, the wealth management platform returns the wealth management fund distribution results to the front-end page.

[0175] In some embodiments, after distributing investment rewards to users, the investment platform can return the distribution results to the front-end page, allowing users to clearly understand the distribution status of the investment rewards.

[0176] The following will continue to combine Figure 11 The process of using the investment funds will be explained.

[0177] For example, see Figure 11 , Figure 11 This is a schematic diagram of the sixth process of the resource management product processing method provided in the embodiments of this application, which will be combined with Figure 11 The steps shown are explained.

[0178] In step 401, the front-end page displays the product application page.

[0179] In some embodiments, users can obtain investment funds through various financial management platforms. Once users hold investment funds, they can access the product pool configured for those investment funds on the front-end page to subscribe to financial products.

[0180] In step 402, the front-end page receives the subscription amount entered by the user and associates it with the investment fund.

[0181] In some embodiments, users can enter the subscription amount for the wealth management product selected from the product pool on the front-end page, check the box to use wealth management funds, and then place an order.

[0182] In step 403, the front-end page sends a subscription request to the wealth management platform.

[0183] In some embodiments, after the front-end page detects that a user has placed an order, it can send a subscription request for the financial product selected by the user to the financial management platform.

[0184] In step 404, the wealth management platform records the subscription order and sets the status of the subscription order to pending payment.

[0185] In some embodiments, after receiving a subscription request from the front-end page, the wealth management platform can generate a corresponding subscription order and record the subscription order in the database. It can also set the status of the subscription order to pending payment.

[0186] In step 405, the financial platform returns the payment URL to the front-end page.

[0187] In some embodiments, after recording the subscription order in the database, the wealth management platform may also return the payment Uniform Resource Locator (URL) corresponding to the subscription order to the front-end page.

[0188] In step 406, the front-end page receives the payment password entered by the user.

[0189] In some embodiments, after receiving the payment URL returned by the financial management platform, the front-end page can redirect to the corresponding payment page, where the user can enter their payment password.

[0190] In step 407, the front-end page sends a payment request to the payment platform.

[0191] In some embodiments, after receiving the payment password entered by the user, the front-end page can send a payment request to the payment platform.

[0192] In step 408, the payment platform generates a payment order.

[0193] In some embodiments, after receiving a payment request from the front-end page, the payment platform can generate a corresponding payment order and process the payment.

[0194] In step 409, the payment platform returns a payment success notification message to the front-end page.

[0195] In some embodiments, after the payment platform successfully pays the generated payment order, it can return a payment success notification message to the front-end page to inform the user that the payment was successful.

[0196] In step 410, the payment platform notifies the wealth management platform to ship the goods.

[0197] In some embodiments, after the payment platform successfully pays the order, it can also notify the wealth management platform to ship the goods.

[0198] In step 411, the wealth management platform updates the status of the subscription order to "paid".

[0199] In some embodiments, when the wealth management platform receives a delivery notification from the payment platform, it can update the status of the subscription order from pending payment to paid.

[0200] In step 412, the wealth management platform updates the status of the investment funds to "in use".

[0201] In some embodiments, after the wealth management platform updates the status of a subscription order from pending payment to paid, it can also update the status of the wealth management funds associated with the subscription order to in use.

[0202] The following will continue to combine Figure 12 Explain the process of holding investment funds.

[0203] For example, see Figure 12 , Figure 12 This is a schematic diagram of the seventh process of the resource management product processing method provided in the embodiments of this application, which will be combined with Figure 12 The steps shown are explained.

[0204] In step 501, the scheduled task retrieves the product's net asset value on a daily basis.

[0205] In some embodiments, when a user uses investment funds to subscribe to a wealth management product, those funds are used and associated with the subscription. Scheduled tasks within the wealth management platform can retrieve the net asset value of the wealth management products subscribed to by the user on a daily basis.

[0206] In step 502, the scheduled task sends a request to the wealth management platform to update the product's net asset value.

[0207] In some embodiments, after obtaining the net asset value of a wealth management product, the scheduled task may request the wealth management platform to update the net asset value.

[0208] In step 503, the wealth management platform updates the product's net asset value.

[0209] In some embodiments, after receiving the latest net asset value (NAV) sent by a scheduled task, the wealth management platform can update the product's NAV. For example, it can update the unit NAV of the wealth management product subscribed by the user to the latest unit NAV sent by the scheduled task.

[0210] In step 504, the financial platform calculates the order revenue.

[0211] In some embodiments, after updating the product's net asset value, the wealth management platform can also calculate the return on subscription orders (let's call it P). The formula for calculating the order return P is: the number of shares held in the order * (latest unit net asset value - unit net asset value of the previous trading day).

[0212] In step 505, the wealth management platform calculates the wealth management reward.

[0213] In some embodiments, if the subscription order is associated with investment funds and the investment funds have not yet been redeemed, the investment fund reward can be calculated. The specific process is as follows: If the order return P is greater than or equal to 0, there is no investment fund reward; if the order return P is less than 0 (indicating that the user has incurred a loss), the minimum value among the absolute value of the product of the order return P and the investment fund return ratio, the highest amount of the day, and the difference between the highest reward amount and the already rewarded amount can be used as the investment fund reward issued to the user (for example, let's assume it's denoted as R), and the investment fund reward R is added to the already rewarded amount.

[0214] In step 506, the wealth management platform returns wealth management rewards to the scheduled task.

[0215] In some embodiments, after determining the investment reward, the wealth management platform can return the determined investment reward to the scheduled task.

[0216] The following will continue to combine Figure 13 The process of writing off investment funds is explained.

[0217] For example, see Figure 13 , Figure 13 This is the eighth flowchart of the processing method of the resource management product provided in the embodiments of this application, which will be combined with Figure 13 The steps shown are explained.

[0218] In step 601, a scheduled task queries the funds already used by the wealth management platform.

[0219] In some embodiments, the scheduled tasks in the wealth management platform can poll the funds that have been used for wealth management.

[0220] In step 602, the timed task determines that the investment has ended and requests the investment platform to write off the ended investment.

[0221] In some embodiments, the scheduled task can determine whether the investment fund has ended. If the subscription order associated with the investment fund has exceeded the lock-up period, or the amount of investment fund distribution has been equal to the maximum reward amount, then it can be determined that the investment fund has ended.

[0222] In step 603, the wealth management platform updates the status of the investment funds to "written off".

[0223] In some embodiments, when a scheduled task determines that the investment period has ended, it can request the investment platform to cancel the investment. For example, the investment platform can cancel the investment and update its status from "in use" to "cancelled".

[0224] In step 604, the wealth management platform returns a notification message to the scheduled task indicating that the wealth management funds have been written off.

[0225] In some embodiments, after the wealth management platform has written off the investment funds, it can send a notification message to the scheduled task indicating that the investment funds have been written off.

[0226] In summary, the processing method of the resource management product provided in this application has the following beneficial effects:

[0227] 1. Alleviating users' loss pressure: When a user's actual investment return is negative, the user can receive investment funds provided by the investment platform, which can compensate for the user's losses to a certain extent, reduce the user's psychological pressure, and thus enhance the user's trust in the investment platform.

[0228] 2. Enhance user experience: The technical solution provided in this application embodiment allows users to still experience positive returns even when they suffer losses, reducing users' negative emotions towards financial products and thus improving user retention rate.

[0229] 3. Attracting new users: The technical solution provided in this application embodiment can be used as a marketing tool to attract new users to try financial products, because even if real financial management results in losses, users can still experience positive returns by receiving investment funds, thereby reducing the user's participation threshold.

[0230] The following description continues to illustrate the exemplary structure of the processing device 555 for the resource management product provided in this application embodiment as a software module. In some embodiments, such as... 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 a transfer module 5552.

[0231] Display module 5551 is used to display the resource transfer interface, which includes the selected resource management product, the quantity of resources to be transferred for the resource management product, the resource compensation product pre-configured for the resource management product, and the transfer control; transfer module 5552 is used to transfer the specified quantity of resources to the resource management product in response to a trigger operation on the transfer control; display module 5551 is also used to display the revenue interface of the resource management product in response to a revenue viewing operation on the resource management product, which includes multiple revenues corresponding to the resource management product in multiple historical trading days; display module 5551 is also used to display a first prompt message around any of the multiple revenues when the revenue is negative, which prompts the user to claim a set quantity of resources from the resource compensation product.

[0232] In some embodiments, the resource transfer interface further includes multiple transfer methods; the display module 5551 is also configured to highlight the selected transfer method in response to a selection operation for the multiple transfer methods; the transfer module 5552 is also configured to transfer a quantity of resources to the resource management product according to the selected transfer method in response to a trigger operation for the transfer control.

[0233] In some embodiments, the processing device 555 for the resource management product further includes a transfer module 5553, which performs the following processing after the display module 5551 displays a first prompt message around the revenue: in response to a triggering operation for the first prompt message, transfers a set amount of resources from the resource compensation product to the account of a target object, wherein the target object is an object holding the resource management product.

[0234] In some embodiments, the processing device 555 of the resource management product further includes a determining module 5554, configured to determine the amount of resources that the target object can receive based on the benefit in response to a triggering operation for the first prompt information; and a transfer module 5553, configured to transfer the amount of resources from the resource compensation product to the target object's account.

[0235] In some embodiments, the determining module 5554 is further configured to multiply the benefit by a pre-configured ratio to obtain a multiplication result; subtract the total number of resources included in the resource compensation product from the number of resources already received by the target object to obtain a subtraction result; and take the minimum value among the absolute value of the multiplication result, the subtraction result, and the pre-configured maximum number of resources that can be received per day as the number of resources that the target object can receive.

[0236] In some embodiments, the display module 5551 is further configured to display an interactive interface in response to a triggering operation for the first prompt information; the determination module 5554 is further configured to determine the amount of resources that the target object can receive based on the interaction result in response to completing the interaction in the interactive interface; and the transfer module 5553 is further configured to transfer the amount of resources from the resource compensation product to the target object's account.

[0237] In some embodiments, the display module 5551 is further configured to display multiple virtual cards in the interactive interface; in response to a trigger operation on any virtual card, flip the triggered virtual card from the back to the front; and the determination module 5554 is further configured to determine the number of virtual cards displayed on the front as the number of resources that the target object can claim.

[0238] In some embodiments, the display module 5551 is further configured to display a countdown control and a second prompt message in the interactive interface, wherein the second prompt message is used to prompt the shaking of the electronic device; in response to the countdown control displaying the end of the countdown, the number of times the target object shakes the electronic device used to display the interactive interface is displayed in the interactive interface; the determination module 5554 is further configured to determine the amount of resources that the target object can receive based on the number of times, wherein the amount is positively correlated with the number of times.

[0239] In some embodiments, the processing apparatus 555 of the resource management product further includes a control module 5555, configured to control multiple interactive elements to appear from a first end of the interactive interface and gradually move to a second end of the interactive interface until they are removed from the interactive interface; and a determination module 5554, configured to determine the number of interactive elements that have been triggered among the multiple interactive elements in response to the multiple interactive elements being removed from the interactive interface; and to determine the number of resources that the target object can claim based on the number of triggered interactive elements, wherein the number of resources that the target object can claim is positively correlated with the number of triggered interactive elements.

[0240] In some embodiments, the display module 5551 is further configured to display multiple virtual containers in an interactive interface; in response to a triggering operation on any virtual container, play an animation of the triggered virtual container breaking; in response to the completion of the animation playback, display the number of virtual containers encapsulated by the triggered virtual containers; and the determination module 5554 is further configured to use the number of virtual containers encapsulated by the triggered virtual containers as the number of resources that the target object can claim.

[0241] In some embodiments, the display module 5551 is further configured to display multiple questions and multiple candidate answers corresponding to each question in the interactive interface; the processing device 555 of the resource management product further includes a comparison module 5556, configured to compare the candidate answer selected by the target object from the multiple candidate answers corresponding to the question with the standard answer corresponding to the question for each question, and obtain a comparison result; the determination module 5554 is further configured to determine the accuracy rate of the target object based on the multiple comparison results corresponding to the multiple questions; and determine the number of resources that the target object can receive based on the accuracy rate, wherein the number of resources that the target object can receive is positively correlated with the accuracy rate.

[0242] In some embodiments, the display module 5551 is further configured to display a third prompt message, interactive text, and an audio acquisition control in the interactive interface, wherein the third prompt message is used to prompt the reading of the interactive text; the processing device 555 of the resource management product further includes a acquisition module 5557 configured to acquire audio from the environment in which the electronic device displaying the interactive interface is located in response to a trigger operation on the audio acquisition control, and obtain the audio output by the target object in the environment; the comparison module 5556 is further configured to convert the audio into corresponding text, and compare the converted text with the interactive text to obtain a comparison result; the determination module 5554 is further configured to determine the amount of resources that the target object can receive based on the comparison result.

[0243] In some embodiments, the display module 5551 is further configured to display a fourth prompt message and an interactive pattern in the interactive interface, wherein the fourth prompt message is used to prompt the drawing of the interactive pattern; the comparison module 5556 is further configured to, in response to receiving a sliding operation triggered by the target object in the interactive interface, compare the pattern formed by the sliding trajectory of the sliding operation with the interactive pattern to obtain a comparison result; the determination module 5554 is further configured to determine the amount of resources that the target object can receive based on the comparison result.

[0244] In some embodiments, the display module 5551 is further configured to display a fifth prompt message, an interactive pattern, and an image acquisition control in the interactive interface, wherein the fifth prompt message is used to prompt the drawing of the interactive pattern; the acquisition module 5557 is further configured to, in response to a trigger operation on the image acquisition control, acquire an image of the environment in which the electronic device displaying the interactive interface is located, and obtain the motion trajectory of the target object in the environment; the comparison module 5556 is further configured to compare the pattern formed by the motion trajectory with the interactive pattern to obtain a comparison result; and the determination module 5554 is further configured to, based on the comparison result, determine the amount of resources that the target object can receive.

[0245] In some embodiments, the display module 5551 is further configured to display a countdown control and multiple virtual targets in the interactive interface; the determination module 5554 is further configured to determine the number of virtual targets that have been knocked down among the multiple virtual targets in response to the countdown control displaying the end of the countdown; and to determine the number of resources that the target object can claim based on the number of virtual targets that have been knocked down, wherein the number of resources that the target object can claim is positively correlated with the number of virtual targets that have been knocked down.

[0246] In some embodiments, the determining module 5554 is further configured to determine the initial quantity of resources that the target object can claim based on the interaction result; the processing device 555 of the resource management product further includes an acquisition module 5558 and an adjustment module 5559, wherein the acquisition module 5558 is configured to acquire feature data of the target object; the adjustment module 5559 is configured to adjust the initial quantity based on the feature data to obtain the adjusted quantity; and the determining module 5554 is further configured to use the adjusted quantity as the final quantity of resources that the target object can claim.

[0247] In some embodiments, the acquisition module 5558 is further configured to acquire feature data of the target object in response to a triggering operation for the first prompt information; the processing device 555 of the resource management product further includes a prediction module 55510, configured to perform prediction processing by calling a machine learning model based on the feature data of the target object and the amount of resources currently remaining in the resource compensation product, to obtain the amount of resources that the target object can receive; the transfer module 5553 is further configured to transfer the amount of resources from the resource compensation product to the target object's account.

[0248] In some embodiments, the display module 5551 is further configured to display multiple transfer options in response to a triggering operation for the first prompt information, wherein the multiple transfer options include: transfer to account option and transfer to resource management product option; the transfer module 5553 is further configured to transfer a set number of resources from the resource compensation product to the target object's account in response to the transfer to account option being selected.

[0249] In some embodiments, after displaying multiple transfer options, transfer module 5553 is further configured to transfer a set number of resources from resource compensation product to resource management product in response to the selection of transfer to resource management product option.

[0250] In some embodiments, the resource management product has a lock-up period; the processing device 555 for the resource management product further includes a write-off module 55511, which performs the following processing after the display module 5551 displays a first prompt message around the revenue: in response to the current time exceeding the lock-up period of the resource management product, or the number of resources included in the resource compensation product being zero, writes off the resource compensation product.

[0251] In some embodiments, the display module 5551 is further configured to display a resource transfer interface in response to a subscription trigger operation for a resource management product, wherein the resource transfer interface includes a resource management product selection control, a transfer quantity setting control, a resource compensation product display control, and a transfer control; in response to a trigger operation for the resource management product selection control, display multiple candidate resource management products; in response to a selection operation for multiple candidate resource management products, display the selected candidate resource management product in the resource management product selection control; receive the quantity of resources to be transferred for the selected candidate resource management product through the transfer quantity setting control; and display the resource compensation product pre-configured for the selected candidate resource management product in the resource compensation product display control.

[0252] It should be noted that the description of the apparatus in this application embodiment is similar to the description of the method embodiment above, and has similar beneficial effects as the method embodiment, therefore it will not be repeated. For any technical details not covered in the processing apparatus of the resource management product provided in this application embodiment, please refer to... Figure 3 , Figure 4 ,or Figure 5 The meaning is understood in accordance with the description of any of the accompanying drawings.

[0253] This application provides a computer program product, which includes a computer program or computer-executable instructions. The processor of an electronic device reads the computer-executable instructions from a computer-readable storage medium, and executes the computer-executable instructions, causing the electronic device to perform the processing method of the resource management product described above in this application.

[0254] This application provides a computer-readable storage medium storing computer-executable instructions. When these computer-executable instructions are executed by a processor, they cause the processor to perform a processing method of the resource management product provided in this application. For example, ... Figure 3 , Figure 4 ,or Figure 5 The processing method of the resource management product is shown.

[0255] 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 disk, or CD-ROM; or it may be a variety of devices including one or any combination of the above-mentioned memories.

[0256] In some embodiments, executable instructions may take the form of a program, software, software module, script, or code, 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 as a standalone program or as a module, component, subroutine, or other unit suitable for use in a computing environment.

[0257] As an example, executable instructions can be deployed to execute on a single electronic device, or on multiple electronic devices located in one location, or on multiple electronic devices distributed across multiple locations and interconnected via a communication network.

[0258] The above description is merely an embodiment of this application and is not intended to limit the scope of protection of this application. Any modifications, equivalent substitutions, and improvements made within the spirit and scope of this application are included within the scope of protection of this application.

Claims

1. A method for processing resource management products, characterized in that, The method includes: The resource transfer interface is displayed, which includes the selected resource management product, the number of resources to be transferred for the resource management product, the resource compensation product pre-configured for the resource management product, and the transfer control. In response to a trigger operation on the transfer control, the specified amount of resources are transferred to the resource management product; In response to an operation to view the revenue of the resource management product, the revenue interface of the resource management product is displayed, wherein the revenue interface includes multiple revenues of the resource management product corresponding to multiple historical trading days; For any of the multiple benefits, when the benefit is negative, a first prompt message is displayed around the benefit, wherein the first prompt message is used to prompt the recipient to claim a set amount of resources from the resource compensation product.

2. The method according to claim 1, characterized in that, The resource transfer interface also includes multiple transfer methods; The step of transferring the specified amount of resources to the resource management product in response to a trigger operation on the transfer control includes: In response to the selection operation for the multiple entry methods, the selected entry method is highlighted; In response to a trigger operation on the transfer control, the specified amount of resources are transferred to the resource management product according to the selected transfer method.

3. The method according to claim 1, characterized in that, After displaying the first notification message around the revenue, the method further includes: In response to a triggered operation for the first prompt message, a set number of resources are transferred from the resource compensation product to the account of a target object, wherein the target object is the object holding the resource management product.

4. The method according to claim 3, characterized in that, The action of transferring a set amount of resources from the resource compensation product to the target object's account in response to the triggering operation of the first prompt message includes: In response to the triggered operation of the first prompt information, the amount of resources that the target object can receive is determined based on the benefits, and the amount of resources is transferred from the resource compensation product to the target object's account.

5. The method according to claim 4, characterized in that, Determining the amount of resources that the target object can receive based on the revenue includes: Multiply the aforementioned revenue by the pre-configured ratio to obtain the multiplication result; Subtract the total number of resources included in the resource compensation product from the number of resources already received by the target object to obtain the subtraction result; The minimum of the absolute value of the multiplication result, the subtraction result, and the pre-configured maximum number of resources that can be claimed per day is taken as the number of resources that the target object can claim.

6. The method according to claim 3, characterized in that, The action of transferring a set amount of resources from the resource compensation product to the target object's account in response to the triggering operation of the first prompt message includes: In response to a triggered operation based on the first prompt message, an interactive interface is displayed; In response to completing the interaction in the interactive interface, the amount of resources that the target object can receive is determined based on the interaction result, and the amount of resources is transferred from the resource compensation product to the target object's account.

7. The method according to claim 6, characterized in that, The response is completed within the interactive interface, and the quantity of resources that the target object can claim is determined based on the interaction result, including: Multiple virtual cards are displayed in the interactive interface; In response to a trigger operation on any of the virtual cards, the triggered virtual card is flipped from back to front; The quantity displayed on the front of the triggered virtual card represents the amount of resources the target can claim.

8. The method according to claim 6, characterized in that, The response is completed within the interactive interface, and the quantity of resources that the target object can claim is determined based on the interaction result, including: The interactive interface displays a countdown control and a second prompt message, wherein the second prompt message is used to prompt the user to shake the electronic device; In response to the countdown control indicating the end of the countdown, the number of times the target object shakes the electronic device used to display the interactive interface is shown in the interactive interface; The number of resources that the target object can receive is determined based on the number of times, wherein the number is positively correlated with the number of times.

9. The method according to claim 6, characterized in that, The response is completed within the interactive interface, and the quantity of resources that the target object can claim is determined based on the interaction result, including: Multiple interactive elements are controlled to appear from the first end of the interactive interface and gradually move to the second end of the interactive interface until they are removed from the interactive interface. In response to all of the multiple interactive elements being removed from the interactive interface, the number of interactive elements that were triggered among the multiple interactive elements is determined; Based on the number of triggered interactive elements, the number of resources that the target object can claim is determined, wherein the number of resources that the target object can claim is positively correlated with the number of triggered interactive elements.

10. The method according to claim 6, characterized in that, The response is completed within the interactive interface, and the quantity of resources that the target object can claim is determined based on the interaction result, including: Multiple virtual containers are displayed in the interactive interface; In response to a triggering operation on any of the virtual containers, play an animation of the triggered virtual container breaking; In response to the completion of the animation playback, the number of virtual containers that were triggered is displayed, and the number is used as the number of resources that the target object can claim.

11. The method according to claim 6, characterized in that, The response is completed within the interactive interface, and the quantity of resources that the target object can claim is determined based on the interaction result, including: The interactive interface displays multiple questions and multiple candidate answers corresponding to each question. For each question, the candidate answer selected by the target object from multiple candidate answers corresponding to the question is compared with the standard answer corresponding to the question to obtain the comparison result; Based on the comparison results corresponding to the multiple questions, the accuracy of the target object is determined; The number of resources that the target object can receive is determined based on the accuracy rate, wherein the number is positively correlated with the accuracy rate.

12. The method according to claim 6, characterized in that, The response is completed within the interactive interface, and the quantity of resources that the target object can claim is determined based on the interaction result, including: The interactive interface displays a third prompt message, interactive text, and an audio capture control, wherein the third prompt message is used to prompt the reading of the interactive text; In response to a trigger operation on the audio acquisition control, audio is acquired from the environment in which the electronic device displaying the interactive interface is located, and the audio output by the target object in the environment is obtained. The audio is converted into corresponding text, and the converted text is compared with the interactive text to obtain the comparison result; Based on the comparison results, the amount of resources that the target object can receive is determined.

13. The method according to claim 6, characterized in that, The response is completed within the interactive interface, and the quantity of resources that the target object can claim is determined based on the interaction result, including: The interactive interface displays a fourth prompt message and an interactive pattern, wherein the fourth prompt message is used to prompt the drawing of the interactive pattern; In response to receiving a sliding operation triggered by the target object on the interactive interface, the pattern formed by the sliding trajectory of the sliding operation is compared with the interactive pattern to obtain a comparison result; Based on the comparison results, the amount of resources that the target object can receive is determined.

14. The method according to claim 6, characterized in that, The response is completed within the interactive interface, and the quantity of resources that the target object can claim is determined based on the interaction result, including: The interactive interface displays a fifth prompt message, an interactive pattern, and an image acquisition control, wherein the fifth prompt message is used to prompt the drawing of the interactive pattern; In response to a trigger operation on the image acquisition control, an image is acquired of the environment in which the electronic device displaying the interactive interface is located, and the motion trajectory of the target object in the environment is obtained. The pattern formed by the motion trajectory is compared with the interactive pattern to obtain the comparison result; Based on the comparison results, the amount of resources that the target object can receive is determined.

15. The method according to claim 6, characterized in that, The response is completed within the interactive interface, and the quantity of resources that the target object can claim is determined based on the interaction result, including: The interactive interface displays a countdown control and multiple virtual targets; In response to the countdown control displaying the end of the countdown, determine the number of virtual targets that have been knocked down among the plurality of virtual targets; Based on the number of virtual targets that have been knocked down, the amount of resources that the target object can claim is determined, wherein the amount of resources that the target object can claim is positively correlated with the number of virtual targets that have been knocked down.

16. The method according to claim 6, characterized in that, The determination of the amount of resources that the target object can receive based on the interaction results includes: The initial amount of resources that the target object can receive is determined based on the interaction results; Obtain the feature data of the target object, and adjust the initial quantity based on the feature data to obtain the adjusted quantity; The adjusted quantity will be taken as the final amount of resources that the target object can receive.

17. The method according to claim 3, characterized in that, The action of transferring a set amount of resources from the resource compensation product to the target object's account in response to the triggering operation of the first prompt message includes: In response to the trigger operation of the first prompt information, the feature data of the target object is obtained; Based on the feature data of the target object and the amount of resources currently remaining in the resource compensation product, a machine learning model is invoked to perform prediction processing to obtain the amount of resources that the target object can receive. Transfer the stated amount of resources from the resource compensation product to the target object's account.

18. The method according to claim 3, characterized in that, The action of transferring a set amount of resources from the resource compensation product to the target object's account in response to the triggering operation of the first prompt message includes: In response to the triggered operation of the first prompt message, multiple transfer options are displayed, including: transfer to account option and transfer to resource management product option; In response to the selection of the transfer-in account option, a set amount of resources is transferred from the resource compensation product to the target object's account.

19. The method according to claim 18, characterized in that, After displaying multiple transfer options, the method further includes: In response to the selection of the Transfer to Resource Management Product option, a set number of resources are transferred from the Resource Compensation Product to the Resource Management Product.

20. The method according to any one of claims 1 to 19, characterized in that, The resource management product has a lock-in period; After displaying the first notification message around the revenue, the method further includes: In response to the current time exceeding the lockout period of the resource management product, or the number of resources included in the resource compensation product being zero, the resource compensation product is cancelled.

21. The method according to any one of claims 1 to 19, characterized in that, The display resource transition interface includes: In response to a subscription trigger operation for a resource management product, a resource transfer interface is displayed, wherein the resource transfer interface includes a resource management product selection control, a transfer quantity setting control, a resource compensation product display control, and a transfer control; In response to a trigger operation on the resource management product selection control, multiple candidate resource management products are displayed; In response to a selection operation for the plurality of candidate resource management products, the selected candidate resource management product is displayed in the resource management product selection control; The transfer quantity setting control receives the quantity of resources to be transferred for the selected candidate resource management product. The resource compensation product display control displays the resource compensation products pre-configured for the selected candidate resource management product.

22. A processing device for a resource management product, characterized in that, The device includes: The display module is used to display the resource transfer interface, wherein the resource transfer interface includes the selected resource management product, the number of resources to be transferred set for the resource management product, the resource compensation products pre-configured for the resource management product, and the transfer control; The transfer module is used to transfer the specified amount of resources to the resource management product in response to a trigger operation on the transfer control. The display module is also used to respond to the operation of viewing the revenue of the resource management product and display the revenue interface of the resource management product, wherein the revenue interface includes multiple revenues of the resource management product corresponding to multiple historical trading days. The display module is further configured to, for any of the plurality of benefits, when the benefit is negative, display a first prompt message around the benefit, wherein the first prompt message is used to prompt the recipient to claim a set number of resources from the resource compensation product.

23. An electronic device, characterized in that, include: Memory is used to store executable instructions for a computer; A processor, when executing computer-executable instructions stored in the memory, implements the processing method of the resource management product according to any one of claims 1 to 21.

24. A computer-readable storage medium storing computer-executable instructions, characterized in that, When the computer-executable instructions are executed by the processor, they implement the processing method of the resource management product according to any one of claims 1 to 21.

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 the processor, the processing method of the resource management product according to any one of claims 1 to 21 is implemented.

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