Data processing method, device, equipment and medium

Abstract

The present application relates to the field of data processing technology, and in particular to a data processing method, apparatus, equipment and medium. It is used to solve the problem that the effective date of each interest rate determined in the prior art is inconsistent with each effective date determined at the time of retrospection. In the embodiment of the present application, after receiving the interest rate release notification message sent by the interest rate release server, the server determines the first target retrospective days according to the first interest rate type carried in the interest rate release notification message, and determines the effective days according to the first target retrospective days. The server determines the effective days after the interest rate release date as the first date, and determines the first natural day after the first date as the effective date of the first interest rate. The server not only considers the interest rate type and the retrospective days, but also adopts a combination of working days and natural day delays to determine the effective date of the interest rate, thereby ensuring consistency with the interest rate effective on each date determined at the time of retrospection.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a data processing method, apparatus, device and medium. Background Art

[0002] With the development of society, more and more users are starting to deposit or take out loans in banks. After receiving the interest rate published by the interest rate publishing system, the server usually postpones the effective date of the received interest rate.

[0003] In one existing technology, the server postpones the effective date of the received interest rate by a preset number of working days, wherein the number of postponed working days is usually the same as the number of backdated working days. This method will cause the effective interest rate determined during holidays to be inaccurate. For example, Monday to Friday are working days, and Saturday and Sunday are non-working days. When the effective date is postponed by 2 working days, the interest rate published on Wednesday will take effect on Friday. There is no interest rate published on a certain working day that takes effect on Saturday. Therefore, the interest rate that takes effect on Friday will continue to be used on Saturday, that is, the interest rate published on Wednesday will continue to be used on Saturday. In the existing technology, the accuracy of the interest rate that takes effect on a certain date is usually verified by backdating a preset number of working days. When specifically determining the interest rate that takes effect on Saturday, the server determines the date as Thursday based on backdating two working days on Saturday. Therefore, by backdating a preset number of working days, it is found that the interest rate determined by this existing technology is inaccurate and cannot meet the needs.

[0004] In another prior art, the server postpones the effective date of the received interest rate by a preset number of natural days, wherein the number of postponed natural days is usually the same as the number of backdated working days. This method may also cause the effective interest rate determined on certain dates to be inaccurate. For example, Monday to Friday are working days, and Saturday and Sunday are non-working days. When the effective date is postponed by two natural days, the interest rate published on Friday will take effect on Sunday. In the prior art, the accuracy of the interest rate determined to take effect on a certain date is usually verified by backdating a preset number of working days. Specifically, when determining the interest rate that takes effect on Sunday, the server determines that the date is Thursday based on backdating two working days from Sunday, that is, it is believed that the interest rate published on Thursday takes effect on Sunday. Therefore, by backdating a preset number of working days, it is found that the interest rate determined by this prior art is also inaccurate and cannot meet the needs. Summary of the Invention

[0005] Embodiments of the present application provide a data processing method, apparatus, device, and medium for resolving the problem that the effective date of each interest rate determined in the prior art is inconsistent with each effective date determined during retrospective review.

[0006] In a first aspect, an embodiment of the present application provides a data processing method, the method comprising:

[0007] receiving an interest rate release notification message sent by an interest rate release server, obtaining a first interest rate type and a first interest rate carried in the interest rate release notification message, and determining an interest rate release date corresponding to the interest rate release notification message;

[0008] Determining a first target lookback number of days corresponding to the first interest rate type based on a pre-stored correspondence between interest rate types and lookback number of days;

[0009] The effective days are determined based on the first target lookback days, the effective number of working days after the interest rate publication date is determined as the first date, and the first natural day after the first date is determined as the second date; the first interest rate is determined to be effective on the second date.

[0010] Furthermore, determining the effective days according to the first target retrospective days includes:

[0011] The difference between the first target retrospective number of days and the preset number of days is determined as the effective number of days.

[0012] Furthermore, the method further includes determining the number of working days after the interest rate publication date as the number of working days after the first date, and determining the first natural day after the first date as the number of working days before the second date:

[0013] Determining whether the pre-saved set of deferred natural day interest rates includes the first interest rate type;

[0014] If yes, the subsequent step of determining the first natural day after the first date as the second date is performed.

[0015] Furthermore, if the pre-stored set of deferred natural day interest rates does not include the first interest rate type, the method further includes:

[0016] The first interest rate is determined to be effective on the first date.

[0017] Furthermore, the method further comprises:

[0018] The correspondence between the first interest rate and the second date is stored in the correspondence between the interest rate of the first interest rate type and the effective date.

[0019] Furthermore, the method further comprises:

[0020] If an interest rate acquisition request is received from the terminal, obtaining the query date and the second interest rate type carried in the interest rate acquisition request;

[0021] According to the stored correspondence between the interest rate of the second interest rate type and the effective date, the second interest rate corresponding to the query date is determined as the target interest rate effective on the query date and sent to the terminal.

[0022] Furthermore, the method further comprises:

[0023] If the query date is not included in the saved correspondence between the interest rate of the second interest rate type and the effective date, a third date closest to the query date and before the query date in the correspondence is determined based on the correspondence between the interest rate of the second interest rate type and the effective date, and the interest rate corresponding to the third date is determined as the target interest rate effective on the query date and sent to the terminal.

[0024] In a second aspect, an embodiment of the present application further provides a data processing device, the device comprising:

[0025] a receiving and obtaining module, configured to receive an interest rate release notification message sent by an interest rate release server, obtain a first interest rate type and a first interest rate carried in the interest rate release notification message, and determine an interest rate release date corresponding to the interest rate release notification message;

[0026] a determination module, configured to determine a first target lookback number of days corresponding to the first interest rate type based on a pre-stored correspondence between interest rate types and lookback number of days;

[0027] A processing module is used to determine the effective days based on the first target lookback days, determine the effective number of working days after the interest rate release date as the first date, and determine the first natural day after the first date as the second date; determine that the first interest rate is effective on the second date.

[0028] Furthermore, the processing module is specifically configured to determine the difference between the first target retrospective days and the preset days as the effective days.

[0029] Furthermore, the processing module is further configured to determine whether the pre-stored deferred natural day interest rate set includes the first interest rate type; if so, executing the subsequent step of determining the first natural day after the first date as the second date.

[0030] Furthermore, the processing module is further configured to determine that the first interest rate is effective on the first date if the pre-stored set of deferred natural day interest rates does not include the first interest rate type.

[0031] Furthermore, the processing module is further configured to store the correspondence between the first interest rate and the second date in the correspondence between the interest rate of the first interest rate type and the effective date.

[0032] Furthermore, the processing module is also used to obtain the query date and the second interest rate type carried in the interest rate acquisition request if it receives an interest rate acquisition request sent by the terminal; and determine, based on the correspondence between the interest rate and the effective date of the saved second interest rate type, the second interest rate corresponding to the query date as the target interest rate effective on the query date and send it to the terminal.

[0033] Furthermore, the processing module is also used to determine, based on the correspondence between the interest rate of the second interest rate type and the effective date, a third date that is closest to the query date and before the query date in the correspondence if the query date is not included in the saved correspondence between the interest rate of the second interest rate type and the effective date, determine the interest rate corresponding to the third date as the target interest rate that is effective on the query date, and send the result to the terminal.

[0034] In a third aspect, an embodiment of the present application further provides an electronic device, which includes at least a processor and a memory, and the processor is used to implement the steps of the data processing method as described in any one of the above items when executing a computer program stored in the memory.

[0035] In a fourth aspect, an embodiment of the present application further provides a computer-readable storage medium storing a computer program, which implements the steps of the data processing method as described in any one of the above items when executed by a processor.

[0036] In a fifth aspect, an embodiment of the present application further provides a computer program product, which includes: a computer program code, which, when the computer program code is run on a computer, enables the computer to execute the steps of any of the data processing methods described above.

[0037] In an embodiment of the present application, the server receives an interest rate publication notification message sent by an interest rate publishing server, obtains the interest rate publication date, the first interest rate type and the first interest rate carried in the interest rate publication notification message, and determines the first target backtracking days corresponding to the first interest rate type according to the correspondence between the interest rate type and the backtracking days pre-saved in the server. After determining the first target backtracking days, the server determines the effective days according to the first target backtracking days, determines the effective days as the first working days after the interest rate publication date, and determines the first natural day after the first date as the second date when the first interest rate takes effect. Because in the embodiment of the present application, after receiving the interest rate publication notification message sent by the interest rate publishing server, the server determines the first target backtracking days according to the first interest rate type carried in the interest rate publication notification message, and determines the effective days according to the first target backtracking days. The server determines the effective number of working days after the interest rate publication date as the first date, and determines the first natural day after the first date as the effective date of the first interest rate. The server not only considers the interest rate type and the backtracking days, but also adopts a combination of working day and natural day delays to determine the effective date of the interest rate, so as to ensure consistency with the interest rate effective on each date determined at the time of backtracking. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0039] Figure 1 A schematic diagram of a data processing process provided in an embodiment of the present application;

[0040] Figure 2 A detailed diagram of a data processing process provided in an embodiment of the present application;

[0041] Figure 3 A schematic diagram of a process for determining a target interest rate effective on a query date provided in an embodiment of the present application;

[0042] Figure 4 A schematic diagram of the structure of a data processing device provided in an embodiment of the present application;

[0043] Figure 5 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0044] The present application will be further described in detail below with reference to the accompanying drawings. It is apparent that the embodiments described are only a portion of the embodiments of the present application, not all of them. All other embodiments derived by persons of ordinary skill in the art based on the embodiments of the present application without creative effort are intended to fall within the scope of protection of the present application.

[0045] In an embodiment of the present application, the server receives an interest rate publication notification message sent by an interest rate publishing server, obtains the interest rate publication date, the first interest rate type and the first interest rate carried in the interest rate publication notification message, and determines the first target backtracking days corresponding to the first interest rate type according to the correspondence between the interest rate type and the backtracking days pre-saved in the server. After determining the first target backtracking days, the server determines the effective days according to the first target backtracking days, determines the effective days as the first working days after the interest rate publication date, and determines the first natural day after the first date as the second date when the first interest rate takes effect.

[0046] In order to accurately determine the effective date of an interest rate, embodiments of the present application provide a data processing method, apparatus, device, and medium.

[0047] Example 1:

[0048] Figure 1 A data processing process diagram provided in an embodiment of the present application includes the following steps:

[0049] S101: Receive an interest rate release notification message sent by an interest rate release server, obtain a first interest rate type and a first interest rate carried in the interest rate release notification message, and determine an interest rate release date corresponding to the interest rate release notification message.

[0050] The data processing method provided in the embodiment of the present application is applied to a server.

[0051] When each currency issuer publishes a market benchmark interest rate after compiling statistics based on price levels of market trading behavior, the interest rate is published through a device running an interest rate publishing system, which may be an interest rate publishing server. When the interest rate publishing server running the interest rate publishing system publishes the interest rate, the server can receive an interest rate publication notification message sent by the interest rate publishing server, wherein the server is connected to the interest rate publishing server. The interest rate publication notification message carries the interest rate publication date, the first interest rate type, and the first interest rate. In one possible embodiment, the interest rate publication notification message carries the first interest rate type and the first interest rate, and the server determines the date of receipt of the interest rate publication notification message as the interest rate publication date of the first interest rate.

[0052] The "first interest rate type" is the specific type of the first interest rate, such as the risk-free overnight rate, the risk-free term rate, etc. The first interest rate is the market benchmark interest rate published by each currency issuer on the interest rate publication date based on market transaction price levels. The first interest rate is a specific interest rate value, such as 3%. It is worth noting that the interest rate publication server operating the interest rate publication system only publishes interest rates on weekdays. This means that the server will only receive interest rate publication notification messages on weekdays.

[0053] To determine the effective date of the first interest rate carried in the interest rate publication notification message, after receiving the interest rate publication notification message, the server may obtain the interest rate publication date, the first interest rate type, and the first interest rate carried in the interest rate publication notification message. In one possible implementation, if the interest rate publication notification message does not carry the interest rate publication date, the server may obtain the first interest rate type and the first interest rate carried in the interest rate publication notification message. The server determines the date of receipt of the interest rate publication notification message as the interest rate publication date. For example, if the interest rate publication notification message is received at 00:02:24 on May 30, 2022, the interest rate publication date is May 30, 2022.

[0054] S102: Determine a first target lookback number of days corresponding to the first interest rate type according to a pre-stored correspondence between interest rate types and lookback number of days.

[0055] In an embodiment of the present application, different lookback days can be set for different types of interest rates, that is, the lookback days corresponding to different interest rate types may be different. After the server obtains the first interest rate type carried in the interest rate release notification message, in order to determine the day on which each interest rate released on the interest rate release date takes effect, the server can determine the lookback days corresponding to the first interest rate type based on the pre-saved correspondence between the interest rate type and the lookback days, and use the lookback days as the first target lookback days. In an embodiment of the present application, the lookback days are positive integers. The first target lookback days are the specific number of working days to be looked back at during the lookback.

[0056] S103: Determine the effective days based on the first target lookback days, determine the effective days that are the number of working days after the interest rate publication date as the first date, and determine the first natural day after the first date as the second date; determine that the first interest rate is effective on the second date.

[0057] After the server determines the first target backtracking days, the server may determine the effective days based on the first target backtracking days. The server may determine the effective days based on a preset function and the first target backtracking days. The server may also determine the difference between the first target backtracking days and a preset value, and determine the difference as the effective days.

[0058] After determining the effective date, the server may determine the first date as the number of working days after the interest rate publication date, and the first natural day after the first date as the second date. After determining the second date, the server determines that the first interest rate will take effect on the second date, i.e., the second date is the effective date of the first interest rate.

[0059] The working days described in the embodiments of this application refer to the days on which ordinary employees work under legal regulations. Natural days include normal working days and non-working days, as well as holidays. Every day of the year is a natural day.

[0060] Generally, in the absence of holidays, Monday to Friday are working days, and Saturday to Sunday are non-working days. Any day from Monday to Sunday is a natural day, that is, any day of the year is a natural day. Take the example of an effective number of days being 1 and the interest rate release date being Thursday. The first working day after the interest rate release date is Friday, that is, Friday is the first date, and the first natural day after Friday is Saturday, that is, Saturday is the second date. In other words, the interest rate released on Thursday takes effect on Saturday, or the effective date of the interest rate is Saturday. Of course, when the server receives the interest rate release notification message, it may need to specifically determine on which specific date the interest rate release notification message was received, such as the specific date of May 9, 2022. When determining the first and second dates based on the specific date, you can first determine what day of the week the specific date is, and then determine the specific first and second dates based on the extension days between working days and natural days.

[0061] Take a week with Monday to Friday as working days, Saturday to Sunday of that week as natural days, Monday to Friday of the following week as working days, the effective number of days is 1, and the interest rate release date is Friday of that week as an example. Since the interest rate release date is Friday of that week and the effective number of days is 1, the first working day after the interest rate release date is Monday of the following week, that is, Monday of the following week is the first date, and the first natural day after Monday of the following week is Tuesday of the following week, that is, Tuesday of the following week is the second date, which means that Tuesday of the following week is the effective date of the interest rate released on Friday of that week.

[0062] In the embodiment of the present application, based on the publication date of the interest rate, the method of first postponing the effective date by several working days and then postponing the effective date by one natural day is an important measure to achieve accurate interest rate backdating.

[0063] Because in the embodiment of the present application, after receiving the interest rate publication notification message sent by the interest rate publishing server, the server determines the first target backtracking days according to the first interest rate type carried in the interest rate publication notification message, and determines the effective days according to the first target backtracking days. The server determines the effective number of working days after the interest rate publication date as the first date, and determines the first natural day after the first date as the effective date of the first interest rate. The server not only considers the interest rate type and the backtracking days, but also adopts a combination of working day and natural day delays to determine the effective date of the interest rate, so as to ensure consistency with the interest rate effective on each date determined at the time of backtracking.

[0064] Example 2:

[0065] In order to accurately determine the effective date, based on the above embodiment, in the embodiment of the present application, determining the effective date based on the first target backtracking days includes:

[0066] The difference between the first target retrospective number of days and the preset number of days is determined as the effective number of days.

[0067] In the embodiment of the present application, a preset number of days is pre-stored in the server, and the preset number of days can be set as needed. Specifically, in the embodiment of the present application, the preset number of days is 1. In the embodiment of the present application, the server can determine the difference between the first target backtracking days and the preset number of days, and determine the difference as the effective day.

[0068] Taking the preset number of days as 1, the first target lookback number of days as 2, Monday to Friday of a certain week as working days, Saturday and Sunday of that week as non-working days, and Monday of the next week to Friday of the next week as working days as an example, the effective date of the interest rate published from Monday to Friday of that week is explained as shown in Table 1.

[0069] Since the preset number of days is 1 and the first target backtracking number of days is 2, the effective number of days is 2-1, which is 1, that is, the effective number of days is 1.

[0070]

[0071]

[0072] Table 1

[0073] Among them, Table 1 records the interest rates published on each working day of a week and the corresponding effective dates. The 1st and 4th rows in Table 1 refer to the dates, the 2nd and 5th rows in Table 1 refer to the published interest rates, and the 3rd and 6th rows in Table 1 refer to the effective interest rates. It can be seen from Table 1 that the interest rate published on Monday of that week is 1%, of which the effective days after Monday of that week are 1 working day, that is, Tuesday of that week, and the first natural day after Tuesday of that week is Wednesday of that week. Therefore, the interest rate of 1% published on Monday of that week takes effect on Wednesday of that week; the interest rate published on Tuesday of that week is 2%, of which the 1 working day after Tuesday of that week is Wednesday of that week, and the first natural day after Wednesday of that week is Thursday of that week. Therefore, the interest rate of 2% published on Tuesday of that week takes effect on Thursday of that week; the interest rate published on Wednesday of that week is 3%, of which the 1 working day after Wednesday of that week is Thursday of that week, and the first natural day after Thursday of that week is Thursday of that week. If the first day of the week is Friday of that week, the interest rate of 3% published on Wednesday of that week will take effect on Friday of that week; if the interest rate of 4% is published on Thursday of that week, the working day after Thursday of that week is Friday of that week, and the first natural day after Friday of that week is Saturday of that week, so the interest rate of 4% published on Thursday of that week will take effect on Saturday of that week; if the interest rate of 5% is published on Friday of that week, the working day after Friday of that week is Monday of the following week, that is, the next Monday of that week, and the first natural day after Monday of the following week is Tuesday of the following week, that is, the next Tuesday of that week, so the interest rate of 5% published on Friday of that week will take effect on Tuesday of the following week.

[0074] Example 3:

[0075] In order to accurately determine the effective date of the first interest rate, based on the above embodiments, in the embodiment of the present application, the method further includes: determining the effective date that is the number of working days after the interest rate publication date as the date after the first date, and determining the first natural day after the first date as the date before the second date.

[0076] Determining whether the pre-saved set of deferred natural day interest rates includes the first interest rate type;

[0077] If yes, the subsequent step of determining the first natural day after the first date as the second date is performed.

[0078] In an embodiment of the present application, the server may also pre-store a set of deferred natural day interest rates, wherein the set of deferred natural day interest rates includes interest rate types that require deferred natural day processing.

[0079] In order to accurately determine the effective date of the interest rate, after determining the first date, the server can determine whether the pre-saved deferred natural day interest rate set contains the first interest rate type. If the deferred natural day interest rate set contains the first interest rate type, it means that when determining the effective date of the interest rate of the first interest rate type, deferred natural day processing is required. Therefore, the server continues to execute the subsequent step of determining the first natural day after the first date as the second date.

[0080] In order to accurately determine the effective date of the first interest rate, based on the above embodiments, in this embodiment of the present application, if the pre-stored set of deferred calendar day interest rates does not include the first interest rate type, the method further includes:

[0081] The first interest rate is determined to be effective on the first date.

[0082] In an embodiment of the present application, if the first interest rate type is not included in the set of deferred natural day interest rates pre-saved in the server, it means that when determining the date on which the interest rate of the first interest rate type takes effect, there is no need to perform deferred natural day processing, so the server determines that the first interest rate takes effect on the first date.

[0083] That is, in the embodiment of the present application, after determining the first date, the server can determine the effective date of the first interest rate based on whether the first interest rate type is included in the deferred natural day interest rate set.

[0084] Figure 2 A detailed diagram of a data processing process provided in an embodiment of the present application includes the following steps:

[0085] S201: Receive interest rate release notification message.

[0086] S202: Obtain the interest rate release date, first interest rate type, and first interest rate carried in the interest rate release notification message.

[0087] S203: Determine a first target lookback number of days corresponding to the first interest rate type according to a pre-stored correspondence between interest rate types and lookback number of days.

[0088] S204: The difference between the first target retrospective days and the preset days is determined as the effective days.

[0089] S205: Determine the first date as the number of working days after the interest rate release date that is effective.

[0090] S206: Determine whether the pre-saved deferred natural day interest rate set includes the first interest rate type. If so, execute S207; if not, execute S208.

[0091] S207: Determine the first natural day after the first date as the second date, and determine that the first interest rate takes effect on the second date.

[0092] S208: Determine that the first interest rate is effective on the first date.

[0093] Example 4:

[0094] In order to accurately determine the adopted interest rate when there is a need to determine the effective interest rate, based on the above embodiments, in the embodiment of the present application, the method further includes:

[0095] The correspondence between the first interest rate and the determined effective date is stored in the correspondence between the interest rate of the first interest rate type and the effective date.

[0096] In an embodiment of the present application, after determining the effective date of the first interest rate, the server can save the correspondence between the first interest rate and the effective date, so that when there is a need to use the interest rate in the future, the interest rate that is effective on the corresponding effective date can be used.

[0097] Specifically, since the server determines the effective date of the interest rate based on the interest rate of each interest rate type published every day, and there may be multiple interest rate types corresponding to the interest rate effective on the same date, if only the correspondence between the interest rate and the effective date is saved, there may be multiple interest rates saved for a certain date, resulting in the inability to accurately determine the interest rate to be used later. Therefore, in order to facilitate subsequent searches, in an embodiment of the present application, after determining the effective date of the first interest rate, the server can save the correspondence between the first interest rate and the determined effective date in the correspondence between the interest rate of the first interest rate type and the effective date. Specifically, the server can save the correspondence between the first interest rate and the second date in the correspondence between the interest rate of the first interest rate type and the effective date. Or, the server can save the correspondence between the first interest rate and the first date in the correspondence between the interest rate of the first interest rate type and the effective date.

[0098] Example 5:

[0099] To accurately determine the interest rate effective on any date, based on the above embodiments, in the embodiment of the present application, the method further includes:

[0100] If an interest rate acquisition request is received from the terminal, obtaining the query date and the second interest rate type carried in the interest rate acquisition request;

[0101] According to the stored correspondence between the interest rate of the second interest rate type and the effective date, the second interest rate corresponding to the query date is determined as the target interest rate effective on the query date and sent to the terminal.

[0102] In an embodiment of the present application, when a user or bank staff wants to obtain the interest rate effective on a certain date, he or she can select the date and interest rate type to be queried through the first preset page of the terminal used by himself or the second preset page of the preset terminal. Usually, the date to be queried is the current date, and click the preset button. The server will receive the interest rate acquisition request, wherein the terminal used by the user or bank staff himself or the preset terminal has a connection relationship with the server.

[0103] After receiving the interest rate acquisition request, the server obtains the query date and the second interest rate type carried in the interest rate acquisition request. The query date is the date selected by the user or bank staff to be queried, and the second interest rate type is the interest rate type selected by the user or bank staff to be queried.

[0104] After obtaining the query date and the second interest rate type, the server can obtain the correspondence between the interest rate of the second interest rate type and the effective date based on the stored correspondence between the interest rate and the effective date for each interest rate type. After obtaining the correspondence between the interest rate of the second interest rate type and the effective date, the server can search for the second interest rate corresponding to the query date based on the stored correspondence between the interest rate of the second interest rate type and the effective date, determine that the second interest rate is the target interest rate effective on the query date, and after determining the target interest rate, send the target interest rate to the terminal that sent the interest rate acquisition request. The terminal is the terminal used by the user or bank staff described above, or a preset terminal.

[0105] Example 6:

[0106] In order to accurately determine the corresponding effective interest rate when there is a need to determine the effective interest rate, based on the above embodiments and the embodiment of the present application, the method further includes:

[0107] If the query date is not included in the saved correspondence between the interest rate of the second interest rate type and the effective date, then based on the correspondence between the interest rate of the second interest rate type and the effective date, determine the third date that is closest to the query date and before the query date in the correspondence, and determine the interest rate corresponding to the third date as the target interest rate effective on the query date and send it.

[0108] In this embodiment of the present application, the correspondence between interest rates and effective dates for different interest rate types may not include every date. For example, for a particular interest rate type, the correspondence between effective interest rates and dates in Table 1 shows that no interest rate is effective on Sunday of this week or Monday of the following week. Therefore, in this embodiment of the present application, if the query date is Monday of the following week, that query date will not be included in the correspondence between interest rates and effective dates for the second interest rate type.

[0109] In an embodiment of the present application, if the query date is found based on the saved correspondence between the interest rate of the second interest rate type and the effective date, the server can determine the third date closest to the query date in the correspondence based on the correspondence between the interest rate of the second interest rate type and the effective date. The third date is the date with the closest time interval between the query date and the query date, and the corresponding interest rate is saved in the correspondence between the interest rate of the second interest rate type and the effective date. The server can obtain the interest rate corresponding to the third date in the correspondence between the interest rate of the second interest rate type and the effective date, and determine the obtained interest rate as the target interest rate effective on the query date. After determining the target interest rate, the target interest rate is sent to the terminal that sends the interest rate acquisition request. The terminal is the terminal used by the user or bank staff described above, or a preset terminal.

[0110] Figure 3 A schematic diagram of a process for determining a target interest rate effective on a query date provided in an embodiment of the present application includes the following steps:

[0111] S301: receiving an interest rate acquisition request sent by a terminal.

[0112] S302: Obtain the query date and second interest rate type carried in the interest rate acquisition request.

[0113] S303: From the saved correspondence between the interest rate and the effective date of each interest rate type, obtain the correspondence between the interest rate and the effective date of the second interest rate type.

[0114] S304: Determine whether the corresponding relationship between the interest rate of the second interest rate type and the effective date includes the query date. If so, execute S305; if not, execute S306.

[0115] S305: According to the saved correspondence between the interest rate of the second interest rate type and the effective date, determine that the second interest rate corresponding to the query date is the target interest rate effective on the query date, and execute S307.

[0116] S306: Determine the correspondence between the interest rate of the second interest rate type and the effective date, the third date before the query date and closest to the query date, and determine the interest rate corresponding to the third date as the target interest rate effective on the query date.

[0117] S307: Send the target interest rate to the terminal that sent the interest rate acquisition request.

[0118] Example 7:

[0119] Taking the interest rate type recorded in Table 1 as the second interest rate type as an example, in an embodiment of the present application, the correspondence between the effective interest rate and the date in Table 1 is recorded in the correspondence between the interest rate of the second interest rate type and the effective date.

[0120] The correspondence between the interest rate of the second interest rate type and the effective date includes a correspondence between Wednesday of a certain week and 1%, a correspondence between Thursday of the same week and 2%, a correspondence between Friday of the same week and 3%, a correspondence between Saturday of the same week and 4%, and a correspondence between Tuesday of the week following the same week and 5%. If the query date is Sunday of the same week, since Sunday of the same week does not exist in the correspondence between the interest rate of the second interest rate type and the effective date, the third date closest to the query date in the correspondence is determined, and the third date is Saturday of the same week. If the query date is Monday of the week following the same week, since Monday of the week following the same week does not exist in the correspondence between the interest rate of the second interest rate type and the effective date, the third date closest to the query date in the correspondence is determined, and the third date is Saturday of the same week.

[0121] In the embodiment of the present application, the accuracy of the interest rate effective on each date determined in the embodiment of the present application can be verified by looking back a preset number of working days in the prior art. Specifically, the first target looking back number of working days before Wednesday of the week is Monday of the week; the first target looking back number of working days before Thursday of the week is Tuesday of the week; the first target looking back number of working days before Friday of the week is Wednesday of the week; the first target looking back number of working days before Saturday of the week is Thursday of the week; the first target looking back number of working days before Sunday of the week is Thursday of the week; the first target looking back number of working days before Monday of the next week of the week is Thursday of the week; the first target looking back number of working days before Tuesday of the next week of the week is Friday of the week. After verification in this way, it can be explained that the method of determining the effective date of the interest rate in the embodiment of the present application can ensure consistency with the effective date of the interest rate determined at the time of looking back.

[0122] By adopting the method in the prior art of postponing the effectiveness of the received interest rate for a preset number of working days, the effective date of the interest rate published in a certain week is determined as shown in Table 2: Specifically, Table 2 takes the number of lookback days as 2, Monday to Friday of the week as working days, Saturday and Sunday of the week as non-working days, Monday of the next week to Friday of the next week as working days, and the preset number as 2 as an example, and shows the effective date of the interest rate published from Monday to Friday of the week.

[0123] on Monday Tuesday Wednesday Thursday Friday Saturday Sunday Published interest rates 1％ 2％ 3％ 4％ 5％ Effective interest rate 1％ 2％ 3％ Next Monday Next Tuesday Next Wednesday Next Thursday Next Friday Next Saturday Next Sunday Published interest rates Effective interest rate 4％ 5％

[0124] Table 2

[0125] Among them, Table 2 records the effective date of the interest rate published on each working day of a week. The first and fourth rows in Table 2 refer to the date, the second and fifth rows in Table 2 refer to the published interest rate, and the third and sixth rows in Table 2 refer to the effective interest rate. As can be seen from Table 2, the interest rate published on Monday of that week is 1%, and the two working days after Monday of that week are Wednesday of that week, so the interest rate of 1% published on Monday of that week is effective on Wednesday of that week; the interest rate published on Tuesday of that week is 2%, and the two working days after Tuesday of that week are Thursday of that week, so the interest rate of 2% published on Tuesday of that week is effective on Thursday of that week; the interest rate published on Wednesday of that week is 3%, and the two working days after Wednesday of that week are Friday of that week, so the interest rate of 3% published on Wednesday of that week is effective on Friday of that week; the interest rate published on Thursday of that week is 4%, and the two working days after that week are Monday of the following week, so the interest rate of 4% published on Thursday of that week is effective on Monday of the following week; the interest rate published on Friday of that week is 5%, and the two working days after Friday of that week are Tuesday of the following week, so the interest rate of 5% published on Friday of that week is effective on Tuesday of the following week. Among them, there is no published interest rate effective on Saturday and Sunday of that week, so the interest rate effective on Saturday and Sunday of that week is the same as the interest rate effective on Friday of that week, that is, the interest rate effective on Saturday and Sunday of that week is 3%.

[0126] In an embodiment of the present application, the accuracy of the interest rate effective on each date determined in Table 2 can be verified by looking back a preset number of working days in the prior art. Specifically, the number of working days before Wednesday of the week, i.e., 2 working days before Thursday of the week, is Monday of the week; the number of working days before Friday of the week, i.e., 2 working days before Saturday of the week, is Tuesday of the week; the number of working days before Sunday of the week, is Wednesday of the week; the number of working days before Monday of the following week, is Thursday of the week; the number of working days before Tuesday of the following week, is Friday of the week. After verification in this way, it can be explained that the prior art method of determining the effective interest rate cannot guarantee that the effective interest rate of each date is consistent with the interest rate determined at the time of looking back.

[0127] By adopting the method in the prior art of postponing the effectiveness of the received interest rate by a preset number of natural days, the effective date of the interest rate published in a certain week is determined as shown in Table 3: Specifically, Table 3 takes the number of lookback days as 2, Monday to Friday of the week as working days, Saturday and Sunday of the week as non-working days, Monday of the next week to Friday of the next week as working days, and the preset number as 2 as an example, and shows the effective date of the interest rate published from Monday to Friday of the week.

[0128] on Monday Tuesday Wednesday Thursday Friday Saturday Sunday Published interest rates 1％ 2％ 3％ 4％ 5％ Effective interest rate 1％ 2％ 3％ 4％ 5％

[0129] Table 3

[0130] Table 3 records the effective dates of the interest rates published on each business day of a week. Row 1 of Table 3 indicates the date, row 2 of Table 3 indicates the published interest rate, and row 3 of Table 3 indicates the effective interest rate. As Table 3 shows, if the interest rate published on Monday of that week is 1%, and Wednesday is two calendar days after Monday, the 1% interest rate published on Monday takes effect on Wednesday of that week. If the interest rate published on Tuesday of that week is 2%, and Thursday is two calendar days after Tuesday, the 2% interest rate published on Tuesday takes effect on Thursday of that week. If the interest rate published on Wednesday of that week is 3%, and Friday is two calendar days after Wednesday, the 3% interest rate published on Wednesday takes effect on Friday of that week. If the interest rate published on Thursday of that week is 4%, and Saturday is two calendar days after Thursday, the 4% interest rate published on Thursday takes effect on Saturday of that week. If the interest rate published on Friday of that week is 5%, and Sunday is two calendar days after Friday, the 5% interest rate published on Friday takes effect on Sunday of that week.

[0131] In this embodiment of the present application, the accuracy of the interest rate effective on each date determined in Table 3 can be verified by looking back a preset number of working days, as used in the prior art. Specifically, the number of working days before Wednesday of that week, i.e., two working days before Thursday of that week, is Monday of that week; the number of working days before Friday of that week is Tuesday of that week; the number of working days before Saturday of that week is Thursday of that week; the number of working days before Sunday of that week is Thursday of that week. This verification method demonstrates that the interest rate effective on each date determined using the prior art method of determining the effective interest rate cannot be guaranteed to be consistent with the interest rate determined during the lookback.

[0132] Example 8:

[0133] Figure 4 A schematic diagram of the structure of a data processing device provided in an embodiment of the present application, the device comprising:

[0134] Receiving and obtaining module 401, configured to receive an interest rate release notification message sent by an interest rate release server, obtain the first interest rate type and first interest rate carried in the interest rate release notification message, and determine the interest rate release date corresponding to the interest rate release notification message;

[0135] Determination module 402, configured to determine a first target lookback number of days corresponding to the first interest rate type based on a pre-stored correspondence between interest rate types and lookback number of days;

[0136] Processing module 403 is used to determine the effective days based on the first target back-dating days, determine the effective number of working days after the interest rate release date as the first date, and determine the first natural day after the first date as the second date; determine that the first interest rate is effective on the second date.

[0137] In a possible implementation, the processing module 403 is specifically configured to determine the difference between the first target retrospective days and a preset number of days as the effective days.

[0138] In a possible implementation, the processing module 403 is further configured to determine whether the pre-saved set of deferred natural day interest rates includes the first interest rate type; if so, executing a subsequent step of determining the first natural day after the first date as the second date.

[0139] In a possible implementation, the processing module 403 is further configured to determine that the first interest rate is effective on the first date if the pre-stored deferred natural day interest rate set does not include the first interest rate type.

[0140] In a possible implementation, the processing module 403 is further configured to store the correspondence between the first interest rate and the second date in the correspondence between the interest rate of the first interest rate type and the effective date.

[0141] In one possible implementation, the processing module 403 is further configured to, upon receiving an interest rate acquisition request sent by a terminal, obtain the query date and the second interest rate type carried in the interest rate acquisition request; and, based on the saved correspondence between the interest rate of the second interest rate type and the effective date, determine that the second interest rate corresponding to the query date is the target interest rate effective on the query date and send the result to the terminal.

[0142] In one possible implementation, the processing module 403 is further configured to determine, based on the correspondence between the interest rate of the second interest rate type and the effective date, a third date closest to the query date and before the query date in the correspondence if the query date is not included in the saved correspondence between the interest rate of the second interest rate type and the effective date, determine the interest rate corresponding to the third date as the target interest rate effective on the query date, and send the result to the terminal.

[0143] Example 9:

[0144] Figure 5 This is a schematic diagram of the structure of an electronic device provided in an embodiment of the present application. Based on the above embodiments, the embodiment of the present application further provides an electronic device, such as Figure 5As shown, it includes: a processor 501, a communication interface 502, a memory 503 and a communication bus 504, wherein the processor 501, the communication interface 502, and the memory 503 communicate with each other through the communication bus 504;

[0145] The memory 503 stores a computer program. When the program is executed by the processor 501, the processor 501 performs the following steps:

[0146] receiving an interest rate release notification message sent by an interest rate release server, obtaining a first interest rate type and a first interest rate carried in the interest rate release notification message, and determining an interest rate release date corresponding to the interest rate release notification message;

[0147] Determining a first target lookback number of days corresponding to the first interest rate type based on a pre-stored correspondence between interest rate types and lookback number of days;

[0148] The effective days are determined based on the first target lookback days, the effective number of working days after the interest rate publication date is determined as the first date, and the first natural day after the first date is determined as the second date; the first interest rate is determined to be effective on the second date.

[0149] Furthermore, the processor 501 is specifically configured to determine the difference between the first target retrospective days and the preset days as the effective days.

[0150] Furthermore, the processor 501 is further configured to determine whether the pre-stored deferred natural day interest rate set includes the first interest rate type;

[0151] If yes, the subsequent step of determining the first natural day after the first date as the second date is performed.

[0152] Furthermore, the processor 501 is further configured to determine that the first interest rate is effective on the first date if the pre-stored set of deferred natural day interest rates does not include the first interest rate type.

[0153] Furthermore, the processor 501 is further configured to store the correspondence between the first interest rate and the second date in the correspondence between the interest rate of the first interest rate type and the effective date.

[0154] Furthermore, the processor 501 is further configured to, upon receiving an interest rate acquisition request sent by a terminal, acquire the query date and the second interest rate type carried in the interest rate acquisition request;

[0155] According to the stored correspondence between the interest rate of the second interest rate type and the effective date, the second interest rate corresponding to the query date is determined as the target interest rate effective on the query date and sent to the terminal.

[0156] Furthermore, the processor 501 is also used to determine, based on the correspondence between the interest rate of the second interest rate type and the effective date, a third date closest to the query date and before the query date in the correspondence if the query date is not included in the saved correspondence between the interest rate of the second interest rate type and the effective date, determine the interest rate corresponding to the third date as the target interest rate effective on the query date and send it to the terminal.

[0157] The communication bus mentioned in the server above can be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus. This communication bus can be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one thick line is used in the figure, but this does not mean that there is only one bus or only one type of bus.

[0158] The communication interface is used for communication between the above electronic device and other devices.

[0159] The memory may include random access memory (RAM) or non-volatile memory (NVM), such as at least one disk memory. Alternatively, the memory may be at least one storage device located away from the processor.

[0160] The above-mentioned processor can be a general-purpose processor, including a central processing unit, a network processor (NP), etc.; it can also be a digital signal processing processor (DSP), an application-specific integrated circuit, a field programmable gate array or other programmable logic device, a discrete gate or transistor logic device, a discrete hardware component, etc.

[0161] Example 10:

[0162] Based on the above embodiments, an embodiment of the present application further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program executable by an electronic device. When the program is executed on the electronic device, the electronic device implements the following steps:

[0163] The memory stores a computer program, which, when executed by the processor, causes the processor to perform the following steps:

[0164] receiving an interest rate release notification message sent by an interest rate release server, obtaining a first interest rate type and a first interest rate carried in the interest rate release notification message, and determining an interest rate release date corresponding to the interest rate release notification message;

[0165] Determining a first target lookback number of days corresponding to the first interest rate type based on a pre-stored correspondence between interest rate types and lookback number of days;

[0166] The effective days are determined based on the first target lookback days, the effective number of working days after the interest rate publication date is determined as the first date, and the first natural day after the first date is determined as the second date; the first interest rate is determined to be effective on the second date.

[0167] In a possible implementation, determining the effective days according to the first target retrospective days includes:

[0168] The difference between the first target retrospective number of days and the preset number of days is determined as the effective number of days.

[0169] In a possible implementation, determining the effective number of working days after the interest rate publication date as after a first date, and determining the first natural day after the first date as before a second date, the method further includes:

[0170] Determining whether the pre-saved set of deferred natural day interest rates includes the first interest rate type;

[0171] If yes, the subsequent step of determining the first natural day after the first date as the second date is performed.

[0172] In a possible implementation, if the pre-stored set of deferred natural day interest rates does not include the first interest rate type, the method further includes:

[0173] The first interest rate is determined to be effective on the first date.

[0174] In one possible implementation, the method further includes:

[0175] The correspondence between the first interest rate and the second date is stored in the correspondence between the interest rate of the first interest rate type and the effective date.

[0176] In one possible implementation, the method further includes:

[0177] If an interest rate acquisition request is received from the terminal, obtaining the query date and the second interest rate type carried in the interest rate acquisition request;

[0178] According to the stored correspondence between the interest rate of the second interest rate type and the effective date, the second interest rate corresponding to the query date is determined as the target interest rate effective on the query date and sent to the terminal.

[0179] In one possible implementation, the method further includes:

[0180] If the query date is not included in the saved correspondence between the interest rate of the second interest rate type and the effective date, a third date closest to the query date and before the query date in the correspondence is determined based on the correspondence between the interest rate of the second interest rate type and the effective date, and the interest rate corresponding to the third date is determined as the target interest rate effective on the query date and sent to the terminal.

[0181] Example 11:

[0182] An embodiment of the present application further provides a computer program product, which, when executed by a computer, implements the data processing method described in any of the above method embodiments applied to an electronic device.

[0183] The above embodiments may be implemented in whole or in part through software, hardware, firmware, or any combination thereof, and may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions that, when loaded and executed on a computer, fully or partially generate the processes or functions described in the embodiments of the present application.

[0184] Since in the embodiment of the present application, the server determines the first target backtracking days according to the interest rate type, and determines the effective days according to the first target backtracking days, the effective number of working days after the interest rate release date is determined as the first date, and the first natural day after the first date is determined as the effective date of the first interest rate. Not only the interest rate type and the backtracking days are taken into consideration, but also the effective date of the interest rate is determined by combining the postponement of working days and natural days, thereby ensuring consistency with the interest rate effective on each date determined during the backtracking.

[0185] Those skilled in the art will appreciate that the embodiments of the present application can be provided as methods, systems, or computer program products. Therefore, the present application can adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application can adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0186] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the present application. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0187] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0188] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0189] Obviously, those skilled in the art may make various changes and modifications to this application without departing from the spirit and scope of this application. Thus, if these modifications and variations of this application fall within the scope of the claims of this application and their equivalents, this application is intended to include these modifications and variations.

Claims

1. A data processing method, characterized in that: Applied to a server, the method includes: receiving an interest rate release notification message sent by an interest rate release server, obtaining a first interest rate type and a first interest rate carried in the interest rate release notification message, and determining an interest rate release date corresponding to the interest rate release notification message; Determining a first target lookback number of days corresponding to the first interest rate type based on a pre-stored correspondence between interest rate types and lookback number of days; The difference between the first target back-dating days and the preset number of days is determined as the effective days, and the effective number of working days after the interest rate release date is determined as the first date. The server determines whether the locally pre-saved deferred natural day interest rate set includes the first interest rate type. If so, the first natural day after the first date is determined as the second date; and the first interest rate is determined to be effective on the second date; wherein, the deferred natural day interest rate set includes the interest rate type that needs to be processed for deferred natural days.

2. The method according to claim 1, characterized in that If the pre-stored set of deferred natural day interest rates does not include the first interest rate type, the method further includes: The first interest rate is determined to be effective on the first date.

3. The method according to claim 1 or 2, characterized in that The method further comprises: The correspondence between the first interest rate and the second date is stored in the correspondence between the interest rate of the first interest rate type and the effective date.

4. The method according to claim 3, characterized in that The method further comprises: If an interest rate acquisition request is received from the terminal, obtaining the query date and the second interest rate type carried in the interest rate acquisition request; According to the stored correspondence between the interest rate of the second interest rate type and the effective date, the second interest rate corresponding to the query date is determined as the target interest rate effective on the query date and sent to the terminal.

5. The method according to claim 4, characterized in that The method further comprises: If the query date is not included in the saved correspondence between the interest rate of the second interest rate type and the effective date, a third date closest to the query date and before the query date in the correspondence is determined based on the correspondence between the interest rate of the second interest rate type and the effective date, and the interest rate corresponding to the third date is determined as the target interest rate effective on the query date and sent to the terminal.

6. A data processing device, characterized in that: The device comprises: a receiving and obtaining module, configured to receive an interest rate release notification message sent by an interest rate release server, obtain a first interest rate type and a first interest rate carried in the interest rate release notification message, and determine an interest rate release date corresponding to the interest rate release notification message; a determination module, configured to determine a first target lookback number of days corresponding to the first interest rate type based on a pre-stored correspondence between interest rate types and lookback number of days; A processing module is used to determine the difference between the first target back-dating days and the preset number of days as the effective days, determine the effective number of working days after the interest rate release date as the first date, judge whether the locally pre-saved deferred natural day interest rate set contains the first interest rate type, and if so, determine the first natural day after the first date as the second date; determine that the first interest rate is effective on the second date; wherein, the deferred natural day interest rate set contains interest rate types that need to be processed for deferred natural days.

7. The device according to claim 6, characterized in that The processing module is further configured to determine that the first interest rate is effective on the first date if the pre-stored deferred natural day interest rate set does not include the first interest rate type.

8. The device according to claim 6 or 7, characterized in that The processing module is further configured to store the correspondence between the first interest rate and the second date in the correspondence between the interest rate of the first interest rate type and the effective date.

9. The device according to claim 8, characterized in that The processing module is further configured to, upon receiving an interest rate acquisition request sent by a terminal, obtain the query date and the second interest rate type carried in the interest rate acquisition request; and determine, based on the stored correspondence between the interest rate and the effective date of the second interest rate type, the second interest rate corresponding to the query date as the target interest rate effective on the query date, and send the result to the terminal.

10. The device according to claim 9, characterized in that The processing module is further configured to, if the query date is not included in the stored correspondence between the interest rate of the second interest rate type and the effective date, determine, based on the correspondence between the interest rate of the second interest rate type and the effective date, a third date that is closest to the query date and before the query date in the correspondence, determine the interest rate corresponding to the third date as the target interest rate effective on the query date, and send the result to the terminal.

11. An electronic device, characterized in that: The electronic device comprises at least a processor and a memory, and the processor is configured to implement the steps of the data processing method according to any one of claims 1 to 5 when executing a computer program stored in the memory.

12. A computer-readable storage medium, characterized in that It stores a computer program, which, when executed by a processor, implements the steps of the data processing method according to any one of claims 1 to 5.

13. A computer program product, characterized in that The computer program product comprises: computer program code, which, when running on a computer, enables the computer to execute the steps of the data processing method according to any one of claims 1 to 5.

Images