Note: Descriptions are shown in the official language in which they were submitted.
FUND DATA PROCESSING METHOD, APPARATUS, COMPUTER DEVICE AND STORAGE
MEDIUM
Field
[0001] The present disclosure relates to the field of computer data
processing, particularly to a fund data
processing method, an apparatus, a computer device, and a storage medium.
Background
[0002] With the continuous development of network technology, more and more
users choose to purchase
fund products for financial management through third-party platforms provided
by the Internet.
[0003] As the number of online funds is increasing, the functions involved are
becoming more and more
abundant, and the number of users and investment amounts continue to increase,
at the same time, most
non-professional users may choose a fixed investment method when investing in
funds, that is, through
investing in a fixed amount on a regular basis to hope to diversify investment
risks and obtaining higher
investment returns.
[0004] However, in the traditional fixed investment method, when a third-party
platform provides users
with digital services for fund investment, the timing of investment and the
timing of selling need to rely on
the user's decision and perform corresponding operations, for example, users
need to determine the best
time to sell and the quantity to sell based on the total subscription shares
of the target fund, based on their
own experience or memory, sometimes when a user performs a sell operation
facing the total subscription
shares of the target fund, it may also cause property losses to the user due
to human error operations (such
as entering the wrongly sold shares).
Invention Content
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[0005] Based on this, it is necessary to provide a fund data processing
method, an apparatus, a computer
device, and a storage medium to tackle the above-mentioned technical problems,
wherein the method can
save time and efforts and can reduce the risk of user operation errors.
[0006] A fund data processing method comprises:
[0007] Obtaining subscription conditions of target fund and default
subscription share corresponding to
the subscription conditions, generating first monitoring task according to the
subscription conditions;
[0008] After generating the first monitoring task, obtaining latest valuation
of the target fund, and when
the latest valuation meets the subscription conditions, generating a
subscription order for the target fund
according to the default subscription share;
[0009] After the subscription order becomes effective, a second monitoring
task and a virtual account of
the subscription order are generated, the virtual account is used to record
identification information and
real-time share of the subscription order;
[0010] After the second monitoring task is generated, determining profit value
of the subscription order
according to the real-time share;
[0011] When the profit value meets the preset first profit condition,
generating a first redemption request
according to the identification information and the real-time share.
[0012] In an implementation, the method also comprises: obtaining first
reference value of the target fund;
[0013] When the latest valuation meets the subscription conditions, generating
a subscription order for
the target fund according to the default subscription share comprises: the
current date is a trading day and
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the latest valuation is less than the first reference value, generating a
subscription order for the target fund
according to the default subscription share;
[0014] In one of the implementations, the method also comprises obtaining a
second reference value of
the target fund, the second reference value is greater than the first
reference value;
[0015] When the latest valuation meets the subscription conditions, generating
a subscription order for
the target fund according to the default subscription share further comprises:
the current date is a trading
day and the latest valuation is in between the first the reference value and
the second reference value,
reducing the default subscription share, generating the subscription order
according to the reduced default
subscription share.
[0016] In an implementation, the method also comprises:
[0017] Before obtaining the subscription conditions of the target fund and the
default subscription share
corresponding to the subscription conditions, obtaining the latest valuation
of fund available for
subscription and historical valuation data in designated historical time
period; wherein, the fund available
for subscription includes the target fund;
[0018] Determining first reference value and second reference value of the
fund available for subscription
according to the historical valuation data;
[0019] Generating a fund list including identification information, latest
valuation, first reference value,
and second reference value of the funds available for subscription, sending
the fund list to first terminal for
display, preferably, the fund list also includes a subscription link of the
fund available for subscription, the
fund available for subscription includes the target fund.
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[0020] In an implementation, the method also comprises:
[0021] Obtaining business operation information, the business operation
information is used to record
result changes in fund business operation; wherein, the fund business
operation includes forced redemption
operation, forced increase operation, or dividend reinvestment operation;
[0022] Determining change value of total share held by user according to the
business operation
information;
[0023] Updating the real-time share corresponding to subscription order
according to the change value.
[0024] In an implementation, the method also comprises:
[0025] Obtaining latest total share held by user according to the business
operation information;
[0026] After the updating of the real-time share corresponding to the
subscription order, adding up the
real-time shares of all the subscription orders to obtain an added value;
[0027] When there is a difference value between the added value and the latest
total share, determining
the subscription order with the largest real-time share, the sum of the
difference value and the largest real-
time share is taken as the latest real-time subscription order share.
[0028] In an implementation, wherein, the method comprises:
[0029] Generating a plurality of the subscription orders;
[0030] After the subscription orders become effective, generating a third
monitoring task;
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[0031] Determining the total profit value corresponding to a plurality of
subscription orders according to
the third monitoring task and the real-time shares of a plurality orders;
[0032] When the total income value meets the preset second income condition,
generating a second
redemption request.
[0033] A fund data processing apparatus, wherein, the apparatus comprises:
[0034] A first task generation module configured to obtain subscription
conditions of target fund and
default subscription share corresponding to the subscription conditions,
generate first monitoring task
according to the subscription conditions;
[0035] An order generation module configured to obtain latest valuation of the
target fund after generating
the first monitoring task, and when the latest valuation meets the
subscription conditions, generating a
subscription order for the target fund according to the default subscription
share;
[0036] A second task generation module configured to after the subscription
order becomes effective, a
second monitoring task and a virtual account of the subscription order are
generated, the virtual account is
used to record identification information and real-time share of the
subscription order;
[0037] A first profit determining module configured to after the second
monitoring task is generated,
determining profit value of the subscription order according to the real-time
share;
[0038] A first redemption module configured to when the profit value meets the
preset first profit
condition, generating a first redemption request according to the
identification information and the real-
time share.
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[0039] A computer device, comprising storage, processor and a computer program
stored on storage to
execute following steps when the processor executes the computer program:
[0040] Obtaining subscription conditions of target fund and default
subscription share corresponding to
the subscription conditions, generating first monitoring task according to the
subscription conditions;
[0041] After generating the first monitoring task, obtaining latest valuation
of the target fund, and when
the latest valuation meets the subscription conditions, generating a
subscription order for the target fund
according to the default subscription share;
[0042] After the subscription order becomes effective, a second monitoring
task and a virtual account of
the subscription order are generated, the virtual account is used to record
identification information and
real-time share of the subscription order;
[0043] After the second monitoring task is generated, determining profit value
of the subscription order
according to the real-time share;
[0044] When the profit value meets the preset first profit condition,
generating a first redemption request
according to the identification information and the real-time share.
[0045] A computer readable storage, wherein, a computer program is stored on
storage to execute
following steps when the computer program is executed:
[0046] Obtaining subscription conditions of target fund and default
subscription share corresponding to
the subscription conditions, generating first monitoring task according to the
subscription conditions;
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[0047] After generating the first monitoring task, obtaining latest valuation
of the target fund, and when
the latest valuation meets the subscription conditions, generating a
subscription order for the target fund
according to the default subscription share;
[0048] After the subscription order becomes effective, a second monitoring
task and a virtual account of
the subscription order are generated, the virtual account is used to record
identification information and
real-time share of the subscription order;
[0049] After the second monitoring task is generated, determining profit value
of the subscription order
according to the real-time share;
[0050] When the profit value meets the preset first profit condition,
generating a first redemption request
according to the identification information and the real-time share.
[0051] The above-mentioned fund data processing method, apparatus, system,
computer device and
storage medium, during implementation, determining the investment timing of
the target fund by the first
monitoring task, that is, when the valuation level of the target fund meets
the subscription conditions,
determining the selling timing of the target fund by the second monitoring
task, that is, the profit value of
the subscription order meets the preset first profit condition, at the same
time, the process of generating the
subscription order and the first redemption request does not require any
operation from user, which saves
time and effort for the user, and determining the redemption share based on
the real-time share of the
subscription order, no user input is required, and the risk of user operation
errors can also be reduced. At
the same time, according to the latest valuation of the target fund, combined
with the subscription conditions
and the first profit condition, the subscription and redemption operations can
increase the probability of
generating profit and reduce the risk of user capital loss.
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Drawing Description
[0052] Figure 1(a) is an application environment diagram of the fund data
processing method in an
implementation;
[0053] Figure 1(b) is another application environment diagram of the fund data
processing method in an
implementation;
[0054] Figure 2 is a mainly process diagram of fund data processing method in
an implementation;
[0055] Figure 3 is a process diagram of relating to generate the second
monitoring task in an
implementation;
[0056] Figure 4 is a process diagram of generating subscription order
according to the latest valuation in
another implementation;
[0057] Figure 5 is a process diagram of relating to generate fund list steps
in an implementation;
[0058] Figure 6 is a process diagram of generating the second redemption
request according to the total
profits in an implementation;
[0059] Figure 7 is a structural diagram of the fund data processing apparatus
in an implementation;
[0060] Figure 8 is an internal structure of a computer device in an
implementation.
Specific implementation methods
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[0061] In order to make clearer application purposes, technical solutions, and
advantages, the present
disclosure is further explained in detail with a particular embodiment
thereof, and with reference to the
drawings. It shall be appreciated that these descriptions are only intended to
be illustrative, but not to limit
the scope of the disclosure thereto.
[0062] The fund data processing method provided in this application can be
applied to the application
environment shown in Figure 1(a). Among them, the first server 101 and the
second server 102 can
communicate through the network, and the second server 102 and the second
terminal 103 can communicate
through the network, for example, the first server 101 can send the
subscription order or the first redemption
request to the second server 102, the second server 102 generates the
subscription request information
according to the subscription order, and sends the subscription request
information to the second terminal
103; the second server 102 can also generate the first redemption transaction
information according to the
first redemption request, and transfer the first redemption transaction
information to the first redemption
request, send the redemption transaction information to the second terminal
103.
[0063] Among them, the second terminal 103 can be, but is not limited to,
various computers,
communication device, and data processing device. The first server 101 or the
second server 102 can be
implemented by an independent server or a server cluster composed of a
plurality of servers.
[0064] The application environment shown in Figure 1(a) is only one of the
common application
environments, and the fund data processing method provided by this application
is not limited to the above
application environments, for example, in Figure 1(b), the third server 104
directly communicates with the
second terminal 103 on the network, and there are two situations at this time.
In the first case, the third
server 104 is used to execute the steps of the first server 101 and the second
server 102. In the second case,
the third server 104 is used to execute the fund data processing method, and
the generated subscription
order or first redemption request directly conforms to the format required by
the second terminal 103, at
this time, the third server 104 directly sends the subscription order or sends
the first redemption request to
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the second terminal 103.
[0065] In an implementation, as shown in Figure 2, a fund data processing
method is provided, the method
is applied in the first server 101 from Figure 1(a) as example to illustrate,
comprising following steps:
[0066] Step S201, obtaining subscription conditions of target fund and default
subscription share
corresponding to the subscription conditions, generating first monitoring task
according to the subscription
conditions;
[0067] Step S202, after generating the first monitoring task, obtaining latest
valuation of the target fund,
and when the latest valuation meets the subscription conditions, generating a
subscription order for the
target fund according to the default subscription share;
[0068] Step S203, after the subscription order becomes effective, a second
monitoring task and a virtual
account of the subscription order are generated, the virtual account is used
to record identification
information and real-time share of the subscription order;
[0069] Step S204, after the second monitoring task is generated, determining
profit value of the
subscription order according to the real-time share;
[0070] Step S205, when the profit value meets the preset first profit
condition, generating a first
redemption request according to the identification information and the real-
time share.
[0071] In an implementation, the application environment as shown in Figure
1(b), the third server 104 is
used to execute the Step S201 ¨ S205.
[0072] Generally speaking, currently there are third-party institutions other
than users and fund
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companies, and third-party institutions can accept user entrustment to conduct
fund transactions with fund
companies. From a technical perspective, users generally operate the first
terminal (such as a mobile phone
or computer) and send user agreement signing request to the server of a third-
party organization, the server
of the third-party organization generates the user agreement and taking
effects after confirming with the
first terminal; then, the third-party institution can communicate with the
second terminal 103 of the fund
company according to the authorization conditions of the user agreement, such
as sending subscription
transaction information or redemption transaction information, so as to
perform fund investment operations.
This kind of transaction method and technical realization method between
users, third-party institutions and
fund companies is relatively common, and will not be expanded here too much.
After the background
description, it is further pointed out here that the above-mentioned steps
S201-S205 involve the data
processing flow of the server of the third-party institution, especially the
data processing flow of the fund
subscription or fund redemption process. The servers of the third-party
organization include, but are not
limited to, the first server 101. In addition, as will be mentioned below, the
above steps S201-S205 are
different from traditional fund data processing methods.
[0073] In step S201, the target fund refers to the fund that the user
determines to subscribe, the funds on
the market are diversified, and the type of fund is not particularly limited
here.
[0074] Regarding subscription conditions and default subscription shares. The
subscription conditions are
mainly used to help determine the subscription timing of the target fund, that
is, to help determine when to
perform the subscription operation of the target fund. There is also a
corresponding relationship between
the subscription conditions and the subscription quota (that is, the default
subscription quota), that is, the
specific subscription conditions can determine the number of subscription
shares.
[0075] When the subscription conditions are met, the corresponding default
subscription share may be
one value or more. For example, the latest valuation of the fund can be used
as the basis for judgment and
the first reference value can be set, when the latest valuation of the fund is
less than the first reference value,
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it is deemed that the subscription conditions are met, otherwise it is deemed
that the subscription conditions
are not met; at the time, the subscription share A can be preset as the
default subscription share to correspond
to the situation when the subscription conditions are met; in this way, when
the subscription conditions are
met, subscription share A can be used as the default subscription share for
fund subscription. For another
example, the first reference value and the second reference value can be set,
the first reference value is less
than the second reference value, the latest valuation of the fund is less than
the first reference value and the
latest valuation is not less than the first reference value and not greater
than the second reference value
which both of the cases are deemed to meet the subscription conditions, and at
this time, the subscription
share B can be preset as the default subscription share to correspond to the
situation where the latest
valuation is less than the first reference value; the subscription share C can
be preset as the default
subscription share to correspond to the situation that the latest valuation is
not less than the first reference
value and not greater than the second reference value. It can be seen that one
subscription condition can
correspond to different default subscription shares due to different specific
content, and one subscription
condition can correspond to one subscription share, or it can correspond to
more default subscription shares.
[0076] The default subscription share refers to the default subscription fund
share when the subscription
conditions are met. Generally speaking, the value of the default subscription
share can be directly obtained
by reading the content of the user agreement, or the value of the default
subscription share can be readjusted
according to the instructions of the first terminal, and the default
subscription share can also be adjusted
according to other methods authorized by the user agreement, for example,
adjust the value of the default
subscription share according to the target profit rate.
[0077] Regarding the first monitoring task. The first monitoring task is used
to monitor whether the
subscription conditions are met, and to generate a subscription order when the
subscription conditions are
met. Generally speaking, the take-profit monitoring task can be set as a task
to be executed periodically,
and the first monitoring task can be triggered by a regular trigger signal,
for example, the first monitoring
task can be triggered every trading day.
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[0078] In step S202, the subscription order is used to record the to-be-
subscribed fund share, it can also
be further used to record the subscription timing information, the
subscription timing can be the current
trading day, other trading days, or non-trading days, which will not be
restricted here. Generally speaking,
if the subscription order directly conforms to the format of the subscription
transaction agreement required
by the fund company, then the subscription transaction can be performed by
directly sending the
subscription order to the second terminal 103 of the fund company. It does not
rule out that in some cases,
as shown in Figure 1(a), the subscription order is sent to the second server
102, which is directly forwarded
by the second server 102, or a subscription transaction that meets the
requirements of the fund company is
generated according to the subscription order, then, the second server 102
sends the subscription transaction
information to the second terminal 103 to perform the subscription
transaction.
[0079] In step S203, the second monitoring task is used to update the virtual
account and determine the
profit value and generate a first redemption request when the first profit
condition is met. Since the
investment amount can be split into a plurality of times or a plurality of
shares for fund subscription, a
second monitoring task can be generated for each subscription order, and the
profit information
corresponding to a single subscription order can be monitored by executing
each second monitoring task.
Generally speaking, the second monitoring task can be set as a task to be
executed periodically, and the
second monitoring task can be triggered by a timing trigger signal, for
example, the second monitoring task
can be triggered every trading day.
[0080] Virtual accounts can be understood as account information set for users
for detailed management
of target fund share. For a target fund, a virtual account can be used to
record a user's fund share. The
traditional method generally records the user's total subscription share, and
the user needs to make decisions
based on the total subscription share for fund redemption operations. In this
application, after the
subscription order becomes effective, it means that a new default subscription
share record is generated in
the virtual account, the first server 101 tracks the value of each default
subscription share due to fluctuations
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in fund business operations, can obtain the final profit value of the default
subscription share. At the
beginning of the subscription order, the real-time share and the default
subscription share are equal in value,
but with the occurrence of fund business operations such as forced redemption,
forced increase, and
dividend reinvestment (described in more detail below), the total number of
user subscription share will
change, which is equivalent to that the initial value of the default
subscription share corresponding to each
subscription order changes in the subsequent process and becomes another
value, and the other value is the
real-time share value. It can be seen that real-time share can be used to
indicate the result of changes in the
default subscription share due to fund business operations.
[0081] Identification information about the subscription order. It is mainly
used to help distinguish the
real-time shares corresponding to different subscription orders. For example,
tags such as "order a" and
"order b" can be used to indicate two different subscription orders, and
information such as "order a: 50
pieces" and "order b: 100 pieces" can be used to indicate the different
identifiers in the virtual account and
the corresponding real-time shares. Certainly, more other methods can be used
to distinguish between
different subscription orders and corresponding real-time shares, which are
not particularly limited here. In
some cases, when the real-time share corresponding to a certain subscription
order identifier is used as the
redemption share for fund redemption, the subscription order identifier and
the real-time share information
can be deleted in the virtual account.
[0082] In step S204, the prerequisite for updating the virtual account is
generally that fund business
operations have been performed, including but not limited to fund redemption
or the addition of fund
subscription shares. Determining the profit value of a subscription order
based on real-time shares means
that when there are a plurality of subscription orders, the profit value
corresponding to a plurality of
subscription orders is determined respectively. Among them, the method of
determining the profit value
can be an existing method, or it can be determined according to a self-set
calculation formula. Generally
speaking, the profit value can be determined based on the valuation or net
value of the target fund, and it is
also possible to determine which parameters are used for the profit value
according to the first profit
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condition set, for example, the profit value may be the profit rate. In some
cases, the profit value can be
determined according to the following formula:
[0083] P=NV-M+Q-R;
[0084] Wherein, P is the profit value corresponding to a certain subscription
order, NV is the net value
corresponding to the subscription order, M is the real-time share
corresponding to the subscription order,
Q is the refund amount corresponding to the subscription order, and R is the
subscription order in initial
investment amount.
[0085] After the subscription order takes effect, its default subscription
share will change due to fund
business operations, that is, the value of the real-time share will change, so
the profit value will generally
show a fluctuating state, one of the take-profit monitoring task goals is to
monitor or record changes in the
profit values.
[0086] In step S205, the first profit condition may be set according to the
target profit rate. For example,
the first profit condition may be that the preset target profit rate is
reached; the first profit condition may
also be set according to the amount of profit, for example, the first profit
condition may be that the preset
profit amount is reached; the first profit condition may also be set according
to the valuation or net value
of the target fund, for example, the first profit condition may be that the
valuation or net value of the target
fund is greater than a preset threshold. In summary, the first profit
condition can be diverse, and there is no
special restriction here. In principle, the first profit condition is used to
judge whether the profit generated
by a certain subscription order has reached the preset value, and the first
profit condition needs to be based
on this principle. It should be noted that different first subscription
condition can be set for different
subscription order, or for two or more subscription orders.
[0087] Regarding the first redemption request. In some implementations, the
first redemption request is
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not the information directly sent to the second terminal 103 of the fund
company. At this time, the first
redemption information is mainly used to determine the redemption share, after
the redemption share is
determined, the first server 101 generates the first redemption transaction
information; certainly, other
servers can also generate the first redemption transaction information, as
shown in Figure 1(a), the second
server 102 generates the first redemption transaction information, and then
sends the first redemption
transaction information to the fund company's second terminal for redemption
transactions.
[0088] Steps S201-S205 are characterized in that users do not need to spend
too much time paying
attention to the profit of the subscribed funds, and users do not need to
calculate and calculate reasonable
redemption shares based on the total subscribed fund shares, the first server
101 or the third server 104
executes the above steps, which can realize the fund data processing method of
using the total subscription
shares as the basis for calculating the profits and calculates the reasonable
redemption shares that is different
from the traditional fund data processing method. In the specific
implementation of this method, the
investment timing of the target fund is determined by the first monitoring
task, that is, when the valuation
level of the target fund meets the subscription condition, the selling timing
of the target fund is determined
by the second monitoring task, that is, the profit value of the subscription
order meets the preset first profit
condition, at the same time, the process of generating the subscription order
and the first redemption request
both do not require any user operation, which saves time and effort for the
user, and the redemption share
is determined according to the real-time share of the subscription order, no
user input is required, and the
risk of user operation errors can also be reduced. At the same time, according
to the latest valuation of the
target fund, combined with the purchase conditions and the first profit
condition, the subscription and
redemption operations can increase the probability of generating profit and
reduce the risk of user capital
loss.
[0089] In one implementation, before step S201 is performed, the first server
101 may firstly obtain a user
agreement, which is used to determine the target fund to be invested; and then
determining the subscription
condition and corresponding default subscription share of the target fund
according to the user agreement.
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[0090] In one implementation, as shown in Figure 3, the fund data processing
method further includes
step S301: obtaining the first reference value of the target fund;
accordingly, step S202 includes: step S2021,
when the current date is the trading day and the latest valuation is less than
the first reference value, a
subscription order for the target fund is generated according to the default
subscription share. As mentioned
above, the valuation of the fund can use existing calculation methods or
custom calculation methods. The
latest valuation of the target fund refers to the valuation of the target fund
within the specified latest time
period. Under common circumstances, the latest valuation can refer to the
valuation on the trading day.
[0091] In one calculation method, when the target fund is an index fund, the
valuation formula is:
[0092] V=F(100-PBx);
[0093] Among them, V represents valuation, F() represents rounding, and PBx
represents the historical
quantile of the price-to-book ratio. When determining the historical quantile,
the historical duration
corresponding to the selected historical valuation data can be customized, and
generally can be selected in
annually.
[0094] It can be seen that an estimated value in the past can be selected as
the first reference value, or an
estimated value can be set by itself as the first reference value. The
significance of the first reference value
is to provide a decision-making reference for the buying timing of the target
fund. The first server 101
selects the time to generate the subscription order according to the first
reference value, which can guarantee
from a statistical point of view that the fund subscription transaction
triggered by the subscription order can
bring a reasonable profit rate.
[0095] It should be noted that, in some implementations, the subscription
order is not directly sent to the
second terminal 103 of the fund company, the subscription order can be used to
determine the to-be-
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subscribed share, after determining the to-be-subscribed share, the
subscription transaction information
may be generated by the first server 101, or may be generated by other
servers, and then the subscription
transaction information may be sent to the second terminal 103 of the fund
company. It can be seen that the
fund data processing method of the present application can also determine the
subscription share and
subscription timing of the target fund through the first reference value,
which can save users' operating time
and avoid the loss of funds caused by user manual errors to a certain extent.
[0096] Furthermore, in one implementation, as shown in Figure. 4, the fund
data processing method
further includes step S401: obtaining a second reference value of the target
fund, the second reference value
is greater than the first reference value; accordingly, Step S202 further
includes: Step S2022, when the
current date is a trading day and the latest valuation is between the first
reference value and the second
reference value, reducing the default subscription share, and generating a
subscription order based on the
reduced default subscription share.
[0097] According to the first reference value and the second reference value,
three estimation intervals
can be divided:
[0098] Low estimate interval, that is, an interval smaller than the first
reference value;
[0099] Mid estimate interval, that is, an interval not less than the first
reference value and not greater than
the second reference value;
[0100] High estimate interval, that is, an interval greater than the second
reference value.
[0101] When the latest valuation is in the low valuation range, the
subscription order can be generated
according to the default subscription share (first subscription share) with a
larger value; when the latest
valuation is in the middle valuation range, generating a subscription order
based on the smaller default
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subscription share (second subscription share), where the first subscription
share and the second
subscription share are not equal in value, which makes the user's investment
methods more diversified and
can ensure that the investment is reasonable to a certain extent profit rate.
In addition, it is also conducive
to splitting into a plurality of subscription orders more flexibly and
completely according to the user's total
investment amount, realizing more diverse investment operation portfolios. For
example, when the total
fiind shares that a user can subscribe for is 1200, the first subscription
share can be set to 700, and the
second subscription share is 500, this can help the user to make two
subscriptions while completely
consuming 1200 shares amount. However, according to some current fixed
investment methods, generally
speaking, it will help users to subscribe for a fixed number of fund shares on
a regular basis, for example,
if 500 shares are subscribed for each fixed investment day, this method cannot
completely consume the
1200 shares, considering that the total fund shares that users can subscribe
for are determined by the funds
on the user's account, and the funds amount on the account is not specific,
the use of the first subscription
share and the second subscription share can form a more flexible investment
portfolio and can split the
funds on the account more effectively.
[0102] As can be seen from the above description, the fund data processing
method is particularly suitable
for fixed investment business. Therefore, in some implementations, the user
agreement refers to the fixed
investment agreement of the index fund, and the target fund is the index fund;
the trading day in the
aforementioned subscription condition is the fixed investment date; in
addition, when the subscription
conditions are not met, fixed investment is not executed, that is, when the
latest valuation is greater than
the second reference value, no subscription order is generated, which can more
reasonably reduce the risk
of user capital loss.
[0103] In some implementations, the profit value in step S204 is the profit
rate, and the first profit
condition in step S205 is: the preset target profit rate is reached.
Furthermore, the target profit rate can be
determined when the subscription conditions are met on the trading day. When
the subscription conditions
are met, it means that a subscription order needs to be generated, at this
time, the target profit rate can be
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determined according to the latest valuation of the target fund. Specifically,
different target profit rates can
be set corresponding to different valuation intervals, so that the target
profit rate is automatically determined
according to the valuation interval in which the latest valuation is located,
and a smarter data processing
method is achieved.
[0104] In some implementations, the target fund is one of the funds that are
available for subscription; as
shown in Figure 5, the fund data processing method also comprises:
[0105] Step S501: obtaining the latest valuation of the fund that is available
for subscription and historical
valuation data in a designated historical time period;
[0106] Step S502, according to historical valuation data, determining the
first reference value and the
second reference value of the fund that is available for subscription;
[0107] Step S503: generating a fund list including the identification
information of the fund that is
available for subscription, the latest valuation, the first reference value,
and the second reference value,
sending the fund list to the first terminal for display.
[0108] Steps S501-S503 are used to provide a fund list for the first terminal
(not shown in the figure)
before signing the user agreement. Based on this, the first terminal can
visually display the latest valuations
and historical valuations of different funds for users, and users can make
investment decisions based on the
latest valuations of the displayed funds and historical valuations. In step
S503, the fund list may also include
a subscription link of the fund that is available for subscription, and the
fund that is available for
subscription includes the target fund. The subscription link can be a link for
signing user agreement or
viewing user agreement.
[0109] It should be noted that the first reference value and the second
reference value corresponding to
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the latest estimate calculated at different time may be different which
depends on the pair of the first
reference value and the second reference value whether the historical
valuation data has changed. For
example, the first reference value and the second reference value determined
by selecting historical
valuation data between 2001 and 2010 may be different from the first reference
value and the second
reference value determined by selecting historical valuation data between 2002
and 2011. In addition, the
historical valuation data for which time periods are selected can be set
according to actual needs; after
selecting historical valuation data for a period of time, how to obtain the
first reference value and the second
reference value can also be set according to actual needs. Generally speaking,
historical valuation data of
the most recent 5 to 10 years can be obtained for each index fund, and the
valuation set formed by the
relatively lowest valuation within 30% of the time period is regarded as a low
valuation area, considering
the valuation set formed by the relatively highest valuation within 30% of the
time period as the high
valuation area, and the valuation set formed by other valuations as the medium
valuation area, at this time,
the maximum estimate in the low estimate area can be used as the first
reference value, and the maximum
estimate in the middle estimate area can be used as the second reference
value.
[0110] In some implementations, the fund data processing method further
includes the following steps:
obtaining business operation information, the business operation information
is used to record the results
changes in fund business operations; wherein the fund business operations
include forced redemption
operations, forced increase operations, or bonus reinvestment operations;
according to business operation
information, determining the change value of the total shares held by user;
according to the change value,
updating the real-time shares corresponding to the subscription order.
[0111] For example, assuming that in a virtual account, there are three
subscription order identifiers and
three real-time shares, which are: order a: 50 pieces; order b: 35 pieces; and
order c: 15 pieces. The total
fund shares held by users is the total value of three real-time shares, that
is, 100 shares. Updating virtual
account includes but are not limited to:
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[0112] (1) After the forced redemption operation, the total amount of funds
held by user has changed from
100 to 96. at this time, the change value can be calculated to be 4, and the
aforementioned change
information may include the change value, based on this, three real-time
shares can be updated, that is, 96
shares are split at a ratio of 50:35:15, and the virtual accounts obtained
are: order a: 48 pieces; order b: 33.6
pieces; order c: 14.4 pieces.
[0113] (2) After the forced increase operation, the total amount of funds held
by user has changed from
100 to 110, splitting according to the ratio of 50:35:15, the new virtual
account obtained is: order a: 55
pieces; order b: 38.5 pieces; order c: 16.5 pieces.
[0114] (3) After the dividend reinvestment operation, the idea of updating the
virtual account is similar,
and the real-time share is updated accordingly according to the change value
of the total fund shares.
[0115] It should be noted that the types of fund business operations are not
limited to the above three, but
can also include more, such as liquidation operations and termination
operations, different fund business
operations may involve different virtual account updating methods, such as
liquidation operations and
termination operations may involve the asset realization, at this time, it is
necessary to delete the
subscription order identifier and real-time share.
[0116] In some implementations, the fund data processing method further
includes: obtaining latest total
share held by user according to the business operation information; after the
updating of the real-time share
corresponding to the subscription order, adding up the real-time shares of all
the subscription orders to
obtain an added value; when there is a difference value between the added
value and the latest total share,
determining the subscription order with the largest real-time share, the sum
of the difference value and the
largest real-time share is taken as the latest real-time subscription order
share. This implementation solves
the problem that there may be a tail difference in data processing that causes
the sum of the implemented
shares to be inconsistent with the latest total share, the "tail difference"
is literally explained as the
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difference in the last number, which is the error mainly caused by discarding
some decimal places in the
calculation. For example, a virtual account is: order a: 40 pieces; order b:
30 pieces. Due to the dividend
reinvestment operation, the total shares of the target ftmd held by user has
changed from 70 to 71, at this
time, the changed share is 1 share, when updating the virtual account, 1 share
needs to be in the ratio of
40:30 to be added to the share corresponding to order a and order b, in some
algorithms, if two decimal
points are directly retained, the real-time share may become 40.57 and 30.42
respectively, and the total
share becomes 70.99, forming an error of 0.01, that is tail difference. At
this time, a tail difference of 0.01
can be added to the real-time share corresponding to order a, so that 40.57
becomes 40.58.
[0117] In some implementations, as shown in Figure 6, the fund data processing
method also comprises:
[0118] Step S601, generating a plurality of the subscription orders;
[0119] Step S602, after the subscription orders become effective, generating a
third monitoring task;
[0120] Step S603, determining the total profit value corresponding to a
plurality of subscription orders
according to the third monitoring task and the real-time shares of a plurality
orders;
[0121] Step S604, when the total income value meets the preset second income
condition, generating a
second redemption request.
[0122] Considering that the target profit rate and the corresponding
investment amount are generally
agreed in the user agreement, when the fund investment is executed, and the
corresponding investment
amount reaches the target profit rate, it is deemed that the third-party
institution has completed the
performance of the user agreement. At this time, a third monitoring task can
be set up according to a user
agreement, by executing the third monitoring task, the profit information
corresponding to the investment
amount can be obtained from the whole, when the target profit rate is reached,
all the fund shares are
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redeemed, the third monitoring task can be terminated.
[0123] Steps S601-S604 provide a new data processing method for determining
when to perform a
redemption operation. It can be understood in conjunction with Figure 2 and
Figure 6. After step S203 is
executed, steps S204 and S205 can be directly executed, or steps S603 and S604
can be executed directly,
depending on whether the situation at the time meets the first profit
condition or meets the second profit
condition, if the second profit condition is met, step S603 and step S604 can
be executed first.
[0124] In addition, according to the above-mentioned design principle of the
profit value involved in step
S204 and step S205 and the first profit condition, the total profit value in
step S603 and step S604 and the
second profit condition can be designed accordingly. Considering that the
profit value corresponding to
some subscription orders does not meet the first profit condition, but from
the perspective of overall profits,
the total profit value corresponding to the total subscription order has
reached an ideal value, that is, it has
met the second profit condition, so it will provide users with more
opportunities for fund redemption and
shorten the user's investment cycle to a certain extent.
[0125] In some implementations, the step of generating a subscription order
according to the default
subscription share includes: generating a subscription order after passing
user risk level verification, fund
transaction status verification, initial investment amount verification, and
subscription limit verification.
The first server 101 sends the subscription order to the second server 102,
and the second server 102
generates subscription request transaction information according to the
subscription order, and then sends
the subscription request transaction information to the second terminal 103 to
perform the subscription
transaction.
[0126] In some implementations, the second server 102 may generate the first
redemption transaction
information according to the first redemption request, send the first
redemption transaction information to
the second terminal 103, after receiving the redemption confirmation message
returned by the second
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terminal 103 (meaning that the fund company agrees to the redemption
transaction), send a repayment
instruction to the second terminal 103, the repayment instruction is used to
instruct the repayment to be
transferred to the preset account of a third-party institution, so that the
user can continue to enjoy the profit
of demand deposits or currency funds, and ensure that user's profit is
maximized. The aforementioned
preset account may be a bank account corresponding to Suning Coin Purse. More
specifically, a description
of the preset account and a description of the profit agreement can be
provided in the user agreement.
[0127] In some implementations, the UTS unified scheduling component may
initiate a timing task to
initiate an HTTP request to a specific server, after the specific server
performs domain name resolution, the
Nginx load balances it and distributes it to a specific application server;
the application server takes the role
of Master to obtain the take-profit monitoring task and then distributes the
take-profit monitoring task to
the Windq queue, after being multi-threaded monitored by the Slave server, the
processing result data is
obtained after processing according to the steps involved in the take-profit
monitoring task, and the
processing result data is sent to database for preservation. At this time, the
aforementioned servers can be
regarded as a constituent part of the first server 101, and the processing
result data includes virtual accounts.
In addition, the Slave server can obtain the basic data of the fund from the
data center component, including
the price-earnings ratio, price-to-book ratio, dividend ratio, price-earnings
ratio quantile or price-to-book
ratio quantile of the index fund.
[0128]
In some implementations, the aforementioned user agreement refers to an
agreement
corresponding to a special fixed investment service, after the agreement is
signed, the first server 101
performs steps S201-S205; However, for third-party institutions, they will
generally launch a variety of
fund investment services, such as a variety of fixed investment businesses
(including the aforementioned
special fixed investment business and the current common fixed investment
business) and a variety of non-
fixed investment businesses. At this time, if the first server 101 needs to
perform the task of end-of-day
clearing, it needs to distinguish between different agreements and then
perform related data processing,
because it involves special fixed investment business, it needs to update the
virtual account, performs the
Date recue/ date received 2021-12-23
take-profit monitoring task, and automatically generates the first redemption
information; for ordinary fixed
investment services, the first server 101 may only need to generate the third
redemption information
according to the instructions sent by the first terminal, and the third
redemption information is used to
instruct to execute the redemption operation according to the redemption share
confirmed by the first
terminal. In this case, when the first server 101 performs day-end liquidation
task, the server first obtains
fund business operation information, the fund business operation information
is used to record which fund
business operations are involved in a certain fund purchased by the user on
the trading day, then determining
the agreement type according to the fund business operation information, when
the agreement type is the
aforementioned user agreement, the virtual account is updated; when the
agreement type is other contract
agreements (for example, the agreement for ordinary fixed investment
business), according to the
corresponding contract agreement, the preset processing method updates the
corresponding subscription
order information. After the virtual account is updated or corresponding
subscription order information is
updated, the processing result can be sent to the first terminal by means of
SMS or email.
[0129] What should be noted is that, although the steps of the above-mentioned
process diagram of Figure
2 - 6 are shown in sequence as indicated by the arrows, these steps are not
necessarily executed in the order
indicated by the arrows. Unless explicitly instruction in this article, there
is no strict order in which these
steps can be performed, and they can be performed in any other orders. In
addition, at least parts of the
Figure 2 ¨ 6 in the steps can include more sub steps or a plurality of stages,
these sub steps or stages are not
necessarily completed at the same time but can be executed in different time,
the execution order of these
sub steps or stages is also not necessarily in sequence order but can be
performed alternately with the other
steps or sub steps of other steps or at least one part of the other stages.
[0130] In an implementation, as shown in Figure 7, a fund data processing
apparatus 700 is provided, the
apparatus comprises: a first task generation module 701, an order generation
module 702, a second task
generation module 703, a first profit determining module 704, a first
redemption module 705, wherein:
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[0131] A first task generation module configured to obtain subscription
conditions of target fund and
default subscription share corresponding to the subscription conditions,
generate first monitoring task
according to the subscription conditions;
[0132] An order generation module configured to obtain latest valuation of the
target fund after generating
the first monitoring task, and when the latest valuation meets the
subscription conditions, generating a
subscription order for the target fund according to the default subscription
share;
[0133] A second task generation module configured to after the subscription
order becomes effective, a
second monitoring task and a virtual account of the subscription order are
generated, the virtual account is
used to record identification information and real-time share of the
subscription order;
[0134] A first profit determining module configured to after the second
monitoring task is generated,
determining profit value of the subscription order according to the real-time
share;
[0135] A first redemption module configured to when the profit value meets the
preset first profit
condition, generating a first redemption request according to the
identification information and the real-
time share.
[0136] In an implementation, the fund data processing apparatus 700 further
includes a first reference
value obtaining module (not shown) for obtaining the first reference value of
the target fund; accordingly,
an order generation module 702 also includes a first subscription unit (not
shown), which is used to generate
a subscription order for the target fund according to the default subscription
share when the current date is
a trading day and the latest valuation is less than the first reference value.
[0137] In an implementation, the fund data processing apparatus 700 further
includes a second reference
value obtaining module (not shown) for obtaining a second reference value of
the target fund, wherein the
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Date recue/ date received 2021-12-23
second reference value is greater than the first reference value; accordingly,
the order generation module
702 also includes a second subscription unit (not shown), which is used to
reduce the default subscription
share when the current date is the trading day and the latest valuation is
between the first reference value
and the second reference value, generating a subscription order based on the
reduced default subscription
share.
[0138] In an implementation, the fund data processing apparatus 700 also
comprises:
[0139] A valuation obtaining module (not shown) configured to before obtaining
the subscription
conditions of the target fund and the default subscription share corresponding
to the subscription conditions,
obtaining the latest valuation of fund available for subscription and
historical valuation data in designated
historical time period; wherein, the fund available for subscription includes
the target fund;
[0140] A reference value determining module (not shown) configured to
determine first reference value
and second reference value of the fund available for subscription according to
the historical valuation data;
[0141] A list generation module (not shown) configured to generate a fund list
including identification
information, latest valuation, first reference value, and second reference
value of the funds available for
subscription, sending the fund list to first terminal for display, preferably,
the fund list also includes a
subscription link of the fund available for subscription, the fund available
for subscription includes the
target fund.
[0142] In an implementation, the fund data processing apparatus 700 also
comprises:
[0143] An operate information obtaining module (not shown) configured to
obtain business operation
information, the business operation information is used to record result
changes in fund business operation;
wherein, the fund business operation includes forced redemption operation,
forced increase operation, or
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Date recue/ date received 2021-12-23
dividend reinvestment operation;
[0144] A change value determining module (not shown) configured to determine
change value of total
share held by user according to the business operation information;
[0145] An updating module (not shown) configured to update the real-time share
corresponding to
subscription order according to the change value.
[0146] In an implementation, the fund data processing apparatus 700 also
comprises:
[1047] A latest total share obtaining module (not shown) configured to obtain
latest total share held by
user according to the business operation information;
[0148] A sum processing module (not shown) configured to after the updating of
the real-time share
corresponding to the subscription order, adding up the real-time shares of all
the subscription orders to
obtain an added value;
[0149] A tail difference processing module (not shown) configured to when
there is a difference value
between the added value and the latest total share, determining the
subscription order with the largest real-
time share, the sum of the difference value and the largest real-time share is
taken as the latest real-time
subscription order share.
[0150] In an implementation, the order generation module 702 is also used for
generating a plurality of
subscription orders;
[0151] The fund data processing apparatus 700 also comprises:
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Date recue/ date received 2021-12-23
[0152] A third task generation module (not shown) configured to after the
subscription orders become
effective, generating a third monitoring task;
[0153] A second profit determining module (not shown) configured to determine
the total profit value
corresponding to a plurality of subscription orders according to the third
monitoring task and the real-time
shares of a plurality orders;
[0154] A second redemption module (not shown) configured to when the total
income value meets the
preset second income condition, generating a second redemption request.
[0155] For the specific limitation of the fund data processing apparatus can
refer to the above-mentioned
the fund data processing method, which will not be repeated here. Each module
of the above fund data
processing apparatus can be achieved fully or partly by software, hardware,
and their combinations. The
above modules can be embedded in the processor or independent of the processor
in computer device and
can store in the memory of computer device in form of software, so that the
processor can call and execute
the operations corresponding to the above modules.
[0156] In an implementation, a fund data processing system is provided,
including a first server 101 and
a second server 102; the first server 101 is used to: execute a ftind data
processing method; after the
subscription order is generated, the subscription order is sent to the second
server 102; the first redemption
request is sent to the second server 102; the second server 102 is used to:
generate subscription transaction
information according to the subscription order, and send the subscription
transaction information to the
second terminal 103; generate the first redemption transaction information
according to the first redemption
information, and send the first redemption transaction information to the
second terminal 103.
[0157] In an implementation, a computer device is provided to be a server and
whose internal structure
diagram is shown in Figure 8. The computer device includes a processor, a
memory, a network interface,
Date recue/ date received 2021-12-23
and a database connected through a system bus. The processor of the computer
device is configured to
provide calculation and control capabilities. The memory of computer device
includes non-volatile storage
medium and internal memory. The memory of non-volatile storage medium has
operation system, computer
programs and database. The internal memory provides an environment for the
operation system and
computer program running in a non-volatile storage medium. The network
interface of the computer device
is used to communicate with an external terminal through a network connection.
The computer program is
executed by the processor to implement a fund data processing method.
[0158] The skilled in the art can understand that the structure shown in
Figure 8 is only partial structural
diagram related this application solution and not constitute limitation to the
computer device applied on the
current application solution, the specific computer device can include more or
less components than what
is shown in the figure, or combinations of some components or different
components to what is shown in
the figure.
[0159] In an implementation, the processor performs the following steps when
executing the computer
program: obtaining subscription conditions of target fund and default
subscription share corresponding to
the subscription conditions, generating first monitoring task according to the
subscription conditions; after
generating the first monitoring task, obtaining latest valuation of the target
fund, and when the latest
valuation meets the subscription conditions, generating a subscription order
for the target fund according
to the default subscription share; after the subscription order becomes
effective, a second monitoring task
and a virtual account of the subscription order are generated, the virtual
account is used to record
identification information and real-time share of the subscription order;
after the second monitoring task is
generated, determining profit value of the subscription order according to the
real-time share; when the
profit value meets the preset first profit condition, generating a first
redemption request according to the
identification information and the real-time share.
[0160] In an implementation, the processor performs the following steps when
executing the computer
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Date recue/ date received 2021-12-23
program: obtaining first reference value of the target fund; when the latest
valuation meets the subscription
conditions, generating a subscription order for the target fund according to
the default subscription share
comprises: the cun-ent date is a trading day and the latest valuation is less
than the first reference value,
generating a subscription order for the target fund according to the default
subscription share;
[0161] In an implementation, the processor performs the following steps when
executing the computer
program: obtaining a second reference value of the target fund, the second
reference value is greater than
the first reference value; when the latest valuation meets the subscription
conditions, generating a
subscription order for the target fund according to the default subscription
share further comprises: the
current date is a trading day and the latest valuation is in between the first
the reference value and the second
reference value, reducing the default subscription share, generating the
subscription order according to the
reduced default subscription share.
[0162] In an implementation, the processor performs the following steps when
executing the computer
program: before obtaining the subscription conditions of the target fund and
the default subscription share
corresponding to the subscription conditions, obtaining the latest valuation
of fund available for
subscription and historical valuation data in designated historical time
period; wherein, the fund available
for subscription includes the target fund; determining first reference value
and second reference value of
the fund available for subscription according to the historical valuation
data; generating a fund list including
identification information, latest valuation, first reference value, and
second reference value of the funds
available for subscription, sending the fund list to first terminal for
display, preferably, the fund list also
includes a subscription link of the fund available for subscription, the fund
available for subscription
includes the target fund.
[0163] In an implementation, the processor performs the following steps when
executing the computer
program: obtaining business operation information, the business operation
information is used to record
result changes in fund business operation; wherein, the fund business
operation includes forced redemption
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operation, forced increase operation, or dividend reinvestment operation;
determining change value of total
share held by user according to the business operation information; updating
the real-time share
corresponding to subscription order according to the change value.
[0164] In an implementation, the processor performs the following steps when
executing the computer
program: obtaining latest total share held by user according to the business
operation information; after the
updating of the real-time share corresponding to the subscription order,
adding up the real-time shares of
all the subscription orders to obtain an added value; when there is a
difference value between the added
value and the latest total share, determining the subscription order with the
largest real-time share, the sum
of the difference value and the largest real-time share is taken as the latest
real-time subscription order share.
[0165] In an implementation, the processor performs the following steps when
executing the computer
program: generating a plurality of the subscription orders; after the
subscription orders become effective,
generating a third monitoring task; determining the total profit value
corresponding to a plurality of
subscription orders according to the third monitoring task and the real-time
shares of a plurality orders;
when the total income value meets the preset second income condition,
generating a second redemption
request.
[0166] In an implementation, a readable storage is provided and stored with a
computer program, the
processor performs the following steps when executing the computer program:
obtaining subscription
conditions of target fund and default subscription share corresponding to the
subscription conditions,
generating first monitoring task according to the subscription conditions;
after generating the first
monitoring task, obtaining latest valuation of the target fund, and when the
latest valuation meets the
subscription conditions, generating a subscription order for the target fund
according to the default
subscription share; after the subscription order becomes effective, a second
monitoring task and a virtual
account of the subscription order are generated, the virtual account is used
to record identification
information and real-time share of the subscription order; after the second
monitoring task is generated,
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Date recue/ date received 2021-12-23
determining profit value of the subscription order according to the real-time
share; when the profit value
meets the preset first profit condition, generating a first redemption request
according to the identification
information and the real-time share.
[0167] In an implementation, the processor performs the following steps when
executing the computer
program: obtaining first reference value of the target fund; when the latest
valuation meets the subscription
conditions, generating a subscription order for the target fund according to
the default subscription share
comprises: the cun-ent date is a trading day and the latest valuation is less
than the first reference value,
generating a subscription order for the target fund according to the default
subscription share;
[0168] In an implementation, the processor performs the following steps when
executing the computer
program: obtaining a second reference value of the target fund, the second
reference value is greater than
the first reference value; when the latest valuation meets the subscription
conditions, generating a
subscription order for the target fund according to the default subscription
share further comprises: the
current date is a trading day and the latest valuation is in between the first
the reference value and the second
reference value, reducing the default subscription share, generating the
subscription order according to the
reduced default subscription share.
[0169] In an implementation, the processor performs the following steps when
executing the computer
program: before obtaining the subscription conditions of the target fund and
the default subscription share
corresponding to the subscription conditions, obtaining the latest valuation
of fund available for
subscription and historical valuation data in designated historical time
period; wherein, the fund available
for subscription includes the target fund; determining first reference value
and second reference value of
the fund available for subscription according to the historical valuation
data; generating a fund list including
identification information, latest valuation, first reference value, and
second reference value of the funds
available for subscription, sending the fund list to first terminal for
display, preferably, the fund list also
includes a subscription link of the fund available for subscription, the fund
available for subscription
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includes the target fund.
[0170] In an implementation, the processor performs the following steps when
executing the computer
program: obtaining business operation information, the business operation
information is used to record
result changes in fund business operation; wherein, the fund business
operation includes forced redemption
operation, forced increase operation, or dividend reinvestment operation;
determining change value of total
share held by user according to the business operation information; updating
the real-time share
corresponding to subscription order according to the change value.
[0171] In an implementation, the processor performs the following steps when
executing the computer
program: obtaining latest total share held by user according to the business
operation information; after the
updating of the real-time share corresponding to the subscription order,
adding up the real-time shares of
all the subscription orders to obtain an added value; when there is a
difference value between the added
value and the latest total share, determining the subscription order with the
largest real-time share, the sum
of the difference value and the largest real-time share is taken as the latest
real-time subscription order share.
[0172] In an implementation, the processor performs the following steps when
executing the computer
program: generating a plurality of the subscription orders; after the
subscription orders become effective,
generating a third monitoring task; determining the total profit value
corresponding to a plurality of
subscription orders according to the third monitoring task and the real-time
shares of a plurality orders;
when the total income value meets the preset second income condition,
generating a second redemption
request.
[0173] The skilled in the art can understand that all or partial of procedures
from the above-mentioned
methods can be performed by computer program instructions through related
hardware, the mentioned
computer program can be stored in a non-volatile material computer readable
storage medium, this
computer can include various implementation procedures from the abovementioned
methods when
Date recue/ date received 2021-12-23
execution. Any reference to the memory, the storage, the database, or the
other media used in each
implementation provided in current application can include non-volatile and/or
volatile memory. Non-
volatile memory can include read-only memory (ROM), programable ROM (PROM),
electrically
programmable ROM (EPRPMD), electrically erasable programmable ROM (EEPROM) or
flash memory.
Volatile memory can include random access memory (RAM) or external cache
memory. As an instruction
but not limited to, RAM is available in many forms such as static RAM (SRAM),
dynamic RAM
(DRAMD), synchronous DRAM (SDRAM), dual data rate SDRAM (DDRSDRAM), enhanced
SRAM
(ESDRAM), synchronal link (Synchlink) DRAM (SLDRAM), memory bus (Rambus),
direct RAM
(RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM
(RDRAM),
etc.
[0174] The technical features of the above-mentioned implementations can be
randomly combined, for
concisely statement, not all possible combinations of technical features in
the abovementioned
implementations are described. However, if there are no conflicts in the
combinations of these technical
features, it shall be within the scope of this descriptions.
[0175] The above-mentioned implementations are only several implementations in
this disclosure and the
description is more specific and detailed but cannot be understood as the
limitation of the scope of the
invention patent. Evidently those ordinary skilled in the art can make various
modifications and variations
to the disclosure without departing from the spirit and scope of the
disclosure. Therefore, the appended
claims are intended to be construed as encompassing the described embodiment
and all the modifications
and variations coming into the scope of the disclosure.
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