A data processing method, device and storage medium

Abstract

The embodiments of this specification provide a data processing method, device and storage medium. The method includes: obtaining a first resource growth rate corresponding to a target account; the first resource growth rate is used to characterize the rate of increase of resources in the target account within a preset time; when the current time exceeds the preset time, a target model is selected from a preset model set according to how much the current time exceeds the preset time; wherein the preset model set includes a plurality of different models; the models in the preset model set are used to calculate a second resource growth rate; the second resource growth rate is used to characterize the rate of increase of resources in the target account outside the preset time; using the target model, the second resource growth rate corresponding to the target account at the current time is calculated according to the first resource growth rate, thereby automatically simplifying the calculation process of the second resource growth rate and improving the efficiency of the server in processing data.

Description

Technical Field

[0001] The embodiments of this specification relate to the field of Internet finance, and more particularly to a data processing method, device, and storage medium. Background Art

[0002] Penalty interest is a penalty that the borrower pays for overdue payments if they fail to repay the loan on the specified date. The lender can extend the loan, at which time the lender will generally modify the original term. During the remaining loan period, the lender will increase the interest rate, and this new interest rate is called the penalty interest rate.

[0003] The interest rate value is the result of the interest rate calculation formula. In a certain scenario, according to the signed loan agreement, the penalty interest rate is floating on the basis of the normal loan interest rate. At present, in order to achieve the floating of the penalty interest rate with the normal interest rate, the calculation process of the penalty interest rate is based on the calculation process of the normal interest rate, and the penalty interest adjustment operator and penalty interest adjustment percentage are added. At present, the bank system synchronizes the normal interest rate calculation process of the account during the daily batch run, and then obtains the penalty interest rate of a certain account based on the overdue time of the account based on the normal interest rate calculation process.

[0004] However, different business scenarios can construct different interest rate calculation processes, and the same business scenario can also construct different interest rate calculation processes. For example, the interest rate calculation process is different for home loans and car loans, and the interest rate calculation process is also different for different loan terms. Once the normal interest rate calculation process changes, the penalty interest rate calculation process must also change accordingly. If the normal interest rate calculation process becomes more complicated, the penalty interest rate calculation process will also become more complicated, which may cause the bank system server to be unable to recognize such a complex penalty interest rate calculation process, and the penalty interest rate calculation process needs to be manually adjusted and simplified.

[0005] Since the bank system server needs to synchronize the normal interest rate calculation process when running batches every day, and then obtain the penalty interest rate of a certain account based on the normal interest rate calculation process, a large number of unrecognizable penalty interest rate calculation processes are encountered every day. A large amount of manpower is required to adjust and simplify the penalty interest rate calculation process, resulting in low efficiency in calculating the penalty interest rate. Summary of the invention

[0006] The purpose of the embodiments of this specification is to provide a data processing method, device and storage medium to automatically simplify the calculation process of the second resource growth rate and improve the efficiency of data processing by the server.

[0007] To solve the above problems, an embodiment of the present specification provides a data processing method, which includes: obtaining a first resource growth rate corresponding to a target account; the first resource growth rate is used to characterize the rate of increase of resources in the target account within a preset time; when the current time exceeds the preset time, selecting a target model from a preset model set according to how much the current time exceeds the preset time; wherein the preset model set includes multiple different models; the models in the preset model set are used to calculate a second resource growth rate; the second resource growth rate is used to characterize the rate of increase of resources in the target account outside the preset time; using the target model, the second resource growth rate corresponding to the target account at the current time is calculated according to the first resource growth rate.

[0008] To solve the above problems, an embodiment of the present specification also provides a data processing device, which includes: an acquisition module, used to acquire a first resource growth rate corresponding to a target account; the first resource growth rate is used to characterize the rate of increase of resources in the target account within a preset time; a selection module, used to select a target model from a preset model set according to how much the current time exceeds the preset time when the current time exceeds the preset time; wherein the preset model set includes multiple different models; the models in the preset model set are used to calculate a second resource growth rate; the second resource growth rate is used to characterize the rate of increase of resources in the target account outside the preset time; a calculation module, used to use the target model to calculate the second resource growth rate corresponding to the target account at the current time according to the first resource growth rate.

[0009] To solve the above problems, an embodiment of the present specification also provides an electronic device, including: a network communication unit, used to obtain a first resource growth rate corresponding to a target account; the first resource growth rate is used to characterize the rate of increase of resources in the target account within a preset time; a memory, used to store a computer program; a processor, used to execute the computer program to achieve: when the current time exceeds the preset time, selecting a target model from a preset model set according to how much the current time exceeds the preset time; wherein the preset model set includes multiple different models; the models in the preset model set are used to calculate a second resource growth rate; the second resource growth rate is used to characterize the rate of increase of resources in the target account outside the preset time; using the target model, the second resource growth rate corresponding to the target account at the current time is calculated according to the first resource growth rate.

[0010] To solve the above problems, an embodiment of the present specification also provides a computer-readable storage medium having computer instructions stored thereon, which when executed implement: obtaining a first resource growth rate corresponding to a target account; the first resource growth rate is used to characterize the rate of increase of resources in the target account within a preset time; when the current time exceeds the preset time, selecting a target model from a preset model set according to how much the current time exceeds the preset time; wherein the preset model set includes a plurality of different models; the models in the preset model set are used to calculate a second resource growth rate; the second resource growth rate is used to characterize the rate of increase of resources in the target account outside the preset time; using the target model, calculating the second resource growth rate corresponding to the target account at the current time according to the first resource growth rate.

[0011] It can be seen from the technical solutions provided in the above embodiments of this specification that in the embodiments of this specification, the first resource growth rate corresponding to the target account can be obtained; the first resource growth rate is used to characterize the rate of increase of resources in the target account within the preset time; when the current time exceeds the preset time, a target model is selected from the preset model set according to how much the current time exceeds the preset time; wherein the preset model set includes multiple different models; the models in the preset model set are used to calculate the second resource growth rate; the second resource growth rate is used to characterize the rate of increase of resources in the target account outside the preset time; using the target model, the second resource growth rate corresponding to the target account at the current time is calculated according to the first resource growth rate. The data processing method provided in the embodiments of this specification can use different target models to calculate the second resource growth rate according to how much the current time exceeds the preset time, directly based on the first resource growth rate, no matter how the calculation process of the first resource growth rate changes, the corresponding target model can be used to calculate the second resource growth rate, making the calculation process of the second resource growth rate easier to read and maintain, simplifying the complex and lengthy processing logic, and improving the efficiency of the server in processing data. BRIEF DESCRIPTION OF THE DRAWINGS

[0012] In order to more clearly illustrate the embodiments of this specification or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0013] Figure 1 This is a flow chart of a data processing method according to an embodiment of this specification;

[0014] Figure 2 This is a functional module diagram of a data processing device according to an embodiment of this specification;

[0015] Figure 3 This is a functional structure diagram of an electronic device according to an embodiment of this specification. DETAILED DESCRIPTION

[0016] The following will be combined with the drawings in the embodiments of this specification to clearly and completely describe the technical solutions in the embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of the embodiments. Based on the embodiments in this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this specification.

[0017] Bank interest rate, also known as interest rate, indicates the ratio of interest to principal in a certain period of time, expressed as a percentage. Generally speaking, interest rates are expressed in annual interest rate, monthly interest rate, and daily interest rate according to different measurement period standards. Interest rates can be divided into deposit interest rate and loan interest rate according to the different economic relations to which the interest rate is attached. From the borrower's perspective, the interest rate is the unit cost of using capital, which is the price paid by the borrower to the lender for using the lender's monetary capital; from the lender's perspective, the interest rate is the rate of return obtained by the lender for lending monetary capital.

[0018] The deposit and loan benchmark interest rate is the guiding interest rate for loans issued by the People's Bank of China to commercial banks. It is one of the monetary policies used by the People's Bank of China to regulate the operation of the social economy and financial system. Commercial banks will formulate a combination of deposit and loan interest rates based on this benchmark interest rate.

[0019] The Loan Prime Rate (LPR) is a basic reference rate for loans calculated and announced by the National Interbank Funding Center authorized by the People's Bank of China. Financial institutions should mainly refer to the LPR for loan pricing. According to the regulations of the People's Bank of China, the current loan interest rate is formed by adding points to the LPR to form the actual loan interest rate. The specific implementation is determined by each commercial bank according to its own situation.

[0020] Different business scenarios can construct different interest rate calculation processes. Specifically, when calculating the interest rate value with the benchmark interest rate as a reference, multiplication and division are usually used in the interest rate calculation formula. For example, if the loan interest rate is based on the benchmark interest rate increased by 20% as a reference, the interest rate calculation formula may include the benchmark interest rate multiplied by 20%. If the interest rate value is calculated with the LPR as a reference, addition and subtraction are usually used in the interest rate calculation formula. For example, if the LPR of this month is reduced by 0.2% compared with the LPR of last month, the interest rate calculation formula may include the LPR of last month minus 0.2%. At present, in order to achieve the floating of the penalty interest rate with the normal interest rate, the calculation process of the penalty interest rate is obtained by adding the penalty interest adjustment operator and the penalty interest adjustment percentage to the calculation process of the normal interest rate. In other words, when the calculation process of the normal interest rate is determined, the calculation process of the penalty interest rate can also be determined. It can be seen from this that once the calculation process of the normal interest rate changes, the calculation process of the penalty interest rate must also change accordingly. Because the calculation process of the normal interest rate is too complicated in some scenarios, the bank system does not support obtaining the penalty interest rate of a certain account through this normal interest rate calculation process. Considering that if the current date exceeds the repayment date agreed with the borrower, when calculating the penalty interest rate, the interest rate value corresponding to the borrower's account is obtained, and the penalty interest rate is calculated based on the interest rate value using a new calculation model, so that no matter how the normal interest rate calculation process changes, the penalty interest rate can be calculated using the corresponding penalty interest rate calculation model, which is expected to solve the problem in the prior art that the bank system does not support obtaining the penalty interest rate of a certain account through a complex normal interest rate calculation process, simplify the penalty interest rate calculation process, and improve the penalty interest rate calculation efficiency. To this end, the embodiments of this specification provide a data processing method.

[0021] In the embodiments of this specification, the subject executing the data processing method may be an electronic device having a logic operation function, the electronic device may be a server, and the server may be an electronic device having a certain operation and processing capability. It may have a network communication unit, a processor, a memory, etc. Of course, the server is not limited to the above-mentioned electronic device having a certain entity, and it may also be software running in the above-mentioned electronic device. The server may also be a distributed server, which may be a system having a plurality of processors, memories, network communication modules, etc. operating in coordination. Alternatively, the server may also be a server cluster formed by a plurality of servers.

[0022] In some embodiments, the server may be a cloud computing server, which can provide computing power and storage capacity to users as a service, and implement the data processing process of the automatic data modification method by cloud computing. The server may also be a quantum computer, which can implement the data processing process of the automatic data modification method by quantum algorithms.

[0023] Figure 1 Flowchart of a data processing method according to an embodiment of this specification. Figure 1 As shown, the data processing method may include the following steps.

[0024] S110: Obtain a first resource growth rate corresponding to the target account; the first resource growth rate is used to represent the rate of increase of resources in the target account within a preset time.

[0025] In some embodiments, the target account can acquire resources, but needs to return the acquired resources to their original location within a preset time, and based on the amount of acquired resources, in addition to returning the acquired resources, additional resources need to be returned. The ratio between the additional returned resources and the acquired resources can be used as the first resource growth rate.

[0026] Specifically, in a lending scenario, the target account may be a borrower's account, the resources in the target account may be a loan borrowed by the borrower from a bank, and the first resource growth rate may be the interest rate within the repayment date agreed with the bank.

[0027] In some embodiments, the first resource growth rate can be calculated according to a growth rate calculation formula. The constituent elements of the growth rate calculation formula are shown in Table 1.

[0028] Table 1

[0029]

[0030] The interest rate index code is a base interest rate represented by an index code, which is set and maintained through parameters. When the People's Bank of China announces a new base interest rate, the value corresponding to the interest rate index can be directly modified.

[0031] In some embodiments, the growth rate calculation formula may be composed of the above constituent elements. As can be seen from Table 1, the growth rate calculation method can be divided into three types, namely, a fixed interest rate calculation method, an interest rate index calculation method, and a custom calculation method. Among them, in the fixed type interest rate calculation formula, the first growth rate is equal to the fixed interest rate value; in the interest rate index calculation method, the first growth rate is equal to the value replaced by the interest rate index code; in the custom type interest rate calculation method, the calculation formula of the first growth rate is as follows:

[0032] First growth rate = base interest rate + / - / × / ÷ calculation factor one + / - / × / ÷ calculation factor two

[0033] Among them, in the above calculation formula, the first four operators are operator 1 in Table 1, and the last four operators are operator 2 in Table 1.

[0034] In some embodiments, when acquiring resources, the target account may agree with the acquisition object on which growth rate calculation method and growth rate calculation formula to use. In other words, the growth rate calculation method and growth rate calculation formula agreed upon by different target accounts and acquisition objects may be different. In the embodiments of this specification, regardless of which growth rate calculation method and growth rate calculation formula the target account and the acquisition object agree to use, the server can obtain the first resource growth rate corresponding to the target account.

[0035] In some embodiments, the server may acquire the first resource growth rate corresponding to the target account in any manner. For example, the user may directly send the first resource growth rate corresponding to the target account to the server, and the server may receive it; or another electronic device other than the server may send the first resource growth rate corresponding to the target account to the server, and the server may receive it. In the embodiments of this specification, the server is not limited to the manner in which it acquires the first resource growth rate corresponding to the target account.

[0036] S120: When the current time exceeds the preset time, select a target model from a preset model set according to how much the current time exceeds the preset time; wherein the preset model set includes a plurality of different models; the models in the preset model set are used to calculate a second resource growth rate; and the second resource growth rate is used to characterize the ratio of resource increase in the target account outside the preset time.

[0037] In some embodiments, the second resource growth rate may be a penalty interest rate. The penalty interest is a penalty paid by the borrower for overdue payment due to failure to repay the loan on a specified date. The lender may extend the loan, and the lender generally modifies the original term. During the remaining loan period, the lender will increase the interest rate, and this new interest rate is called the penalty interest rate.

[0038] At present, in order to achieve that the second resource growth rate changes with the change of the first resource growth rate, the calculation process of the second resource growth rate is obtained by adding the second resource growth rate adjustment operator and the second resource growth rate adjustment percentage on the basis of the calculation process of the first resource growth rate. That is to say, when the calculation process of the first resource growth rate is determined, the calculation process of the second resource growth rate can also be determined.

[0039] In the embodiments of the present specification, the calculation process of the second resource growth rate is similar to the calculation process of the first resource growth rate, and may include the constituent elements shown in Table 1. The calculation method of the second resource growth rate may also include a fixed interest rate calculation method, an interest rate index calculation method, and a custom calculation method.

[0040] Specifically, assuming that the second resource growth rate operator is "÷" and the second resource growth rate adjustment percentage is "Y" (assuming the value is 1.5), the following analyzes the calculation method and formula of the second resource growth rate based on the calculation method of the first resource growth rate.

[0041] 1. The calculation method of the first resource growth rate is F, and the fixed interest rate value is Q. According to the original rules, the calculation method of the second resource growth rate is also F, and its calculation formula is:

[0042] Second resource growth rate = Q ÷ Y

[0043] 2. The calculation method of the first resource growth rate is E, and the interest rate index code is I. According to the existing rules, the calculation method of the second resource growth rate becomes C, and its calculation formula is "CIDY", that is:

[0044] Second resource growth rate = I ÷ Y

[0045] 3. The calculation method of the first resource growth rate is "C", the base interest rate code is "I", the operator 1 is "M" (multiplication), the factor 1 is "1" (the value is percentage 1, assuming the value is 1.3), and the formula is "CIM1". According to the existing rules, the calculation method of the second resource growth rate becomes C, and the calculation formula is "CIM1DY", that is:

[0046] Second resource growth rate = I × 1.3 ÷ Y

[0047] 4. The calculation method of the first resource growth rate is "C", the base rate is "1" (the value is percentage one, the assumed value is 4.3), the operator is "S" (minus), and the factor is "2" (the value is percentage two, the assumed value is 1.3). At this time, the calculation formula of the first resource growth rate is "C1S2". According to the formula, the calculation result of the first resource growth rate should be: 4.3-1.3=3. According to the existing rules, the calculation formula of the second resource growth rate is also "C1S2". After expansion

[0048] Second resource growth rate = "1" ÷ 1.5 - "2" ÷ 1.5 = 4.3 ÷ 1.5 - 1.3 ÷ 1.5 = 2.0

[0049] 5. If the calculation formula of the first resource growth rate is more complicated, for example, the calculation method of the first resource growth rate is "C", and its calculation formula is "C1M1S2", according to existing rules, the bank system server does not support the calculation of the second resource growth rate based on this calculation process.

[0050] In an embodiment of the present specification, the preset model set includes a plurality of different models, and the models in the preset model set can be used to calculate the second resource growth rate. The model may include a growth rate calculation formula using a custom calculation method. Specifically, the growth rate calculation formula in the model may include the constituent elements of the growth rate calculation formula in Table 1. Regardless of whether the calculation formula of the first resource growth rate is simple or complex or changes, the first resource growth rate can be directly substituted into the base interest rate in the second resource growth rate calculation formula, and the second resource growth rate adjustment operator and percentage are added to form a new second resource growth rate calculation formula.

[0051] Specifically, no matter what calculation process the first resource growth rate is, the second resource growth rate calculation formula in the model can be a custom calculation method "C", and the base interest rate in the second resource growth rate calculation formula can use the character "P", that is, use the character "P" to substitute the first resource growth rate, plus the second resource growth rate adjustment operator (addition, subtraction, multiplication, division) and the adjustment percentage, which can form four simple calculation formulas, "CPA1", "CPS1", "CPM1" and "CPD1". For example, the second resource growth rate adjustment operator is "M" (multiplication), and the second resource growth rate adjustment percentage is substituted into the percentage one in the formula, then the second resource growth rate calculation formula in the model is "CPM1". Different models can include different second resource growth rate calculation formulas. This intuitively expresses that the second resource growth rate changes with the changes in the first resource growth rate. Regardless of whether a fixed interest rate calculation method, an interest rate index calculation method, or a custom calculation method is used in the calculation process of the first resource growth rate, and no matter how complex the calculation formula is, the character "P" can be used to replace the first resource growth rate. That is to say, the model in the embodiment of this specification uses the first resource growth rate to calculate the second resource growth rate, and the calculation process of the first resource growth rate will not be used. Therefore, no matter how the calculation process of the first resource growth rate changes, the corresponding model can be used to calculate the second resource growth rate, making the calculation process of the second resource growth rate easier to read and maintain, simplifying the complex and lengthy processing logic, and improving the efficiency of the server in processing data.

[0052] In some embodiments, which model is selected as the target model to calculate the second resource growth rate can be associated with how much the current time exceeds the preset time. Specifically, the data processing method provided in this description embodiment is applied to the lending scenario for explanation. The borrower may be temporarily in arrears due to personal reasons, such as forgetting to repay, transfer failure, etc. The bank can give a certain penalty interest preferential period, and during the penalty interest preferential period, the penalty interest rate calculation model during the penalty interest preferential period is used to calculate the penalty interest rate. Of course, the borrower may also fail to repay the loan during the penalty interest preferential period due to inconvenience in capital turnover. Outside the penalty interest preferential period, the penalty interest rate can be calculated according to the penalty interest rate calculation model outside the penalty interest preferential period. Further, if the loan is not repaid for a long time outside the penalty interest preferential period, it can be judged that the borrower maliciously defaults on the loan. At this time, the penalty interest rate can be calculated according to the penalty interest rate calculation model corresponding to the malicious default loan. For example, if the repayment date is June 1, 2020, the penalty interest preferential period is two months. If the penalty interest preferential period is exceeded by 8 months (i.e., 10 months beyond the repayment date), it can be judged that the borrower is in malicious default. If the borrower repays the loan after June 1, 2020 and before August 1, 2020, the penalty interest rate from June 1, 2020 to the repayment date can be calculated according to the penalty interest rate calculation model during the penalty interest preferential period; if the borrower repays the loan after August 1, 2020 and before April 1, 2021, the penalty interest rate from August 1, 2020 to the repayment date can be calculated according to the penalty interest rate calculation model outside the penalty interest preferential period; if the borrower still fails to repay after April 1, 2021, the penalty interest rate for the period after April 1, 2021 can be calculated according to the penalty interest rate calculation model corresponding to malicious default loans.

[0053] In some embodiments, a target model may be selected from a preset model set according to how much the current time exceeds the preset time. Specifically, when the difference between the current time and the preset time is less than or equal to a first preset value, the first model is selected as the target model; when the difference between the current time and the preset time is greater than the first preset value and less than the second preset value, the second model is selected as the target model; when the difference between the current time and the preset time is greater than or equal to the second preset value, the third model is selected as the target model.

[0054] In some embodiments, the data processing method provided in the present description embodiment is applied to a lending scenario as an example. The first preset value can be determined according to the penalty interest preferential period. Specifically, if the penalty interest preferential period is two months, the first preset value can be 60 days. Of course, according to the number of days in each month, the first preset value can also be changed accordingly. The first preset value can also be 58 days, 59 days, 61 days, etc.; if the penalty interest preferential period is one month, according to the number of days included in the month, the first preset value can be 28 days, 29 days, 30 days, 31 days.

[0055] In some embodiments, the second preset value may be determined based on the date when the borrower is judged to have maliciously defaulted on the loan. Specifically, if the borrower is judged to have maliciously defaulted on the loan 8 months after the repayment date, the second preset value may be 240 days. Of course, depending on the number of days in each month, the first preset value may also be 235 days, 237 days, 242 days, etc.

[0056] In some embodiments, the batch run is the automatic settlement of the bank's internal system. Each bank has its own batch run program and batch run process, which is to generate the operating income and expenditure of the month in the public account opened by the enterprise in the bank, batch form the system general ledger, conduct large-scale transactions, such as interest settlement, provision, payment, etc., and batch form system reports. The bank will run the batch run every day. When running the batch every day, the current date can be compared with the repayment date of the borrower. If the current date does not exceed the repayment date, it means that the borrower is still within the loan period and no penalty interest is generated; if the current date has exceeded the repayment date, the time that the current date has exceeded the repayment date can be calculated, and then the time that the current date has exceeded the repayment date can be compared with the size of the first preset value and the second preset value, and then the penalty interest rate calculation model for calculating the penalty interest rate value is selected according to the difference between the current date and the repayment date.

[0057] In some embodiments, when the current time does not exceed the preset time, the resource increase value in the target account at the current time is determined according to the first resource growth rate.

[0058] S130: Using the target model, calculate a second resource growth rate corresponding to the target account at the current time according to the first resource growth rate.

[0059] In some embodiments, after selecting a target model, the first resource growth rate may be input into the target model to obtain an output result, and the output result may be used as the second resource growth rate.

[0060] In some embodiments, the second resource growth rates calculated by the first model, the second model, and the third model are different, wherein the second resource growth rate calculated by the first model is less than the second resource growth rate calculated by the second model, and the second resource growth rate calculated by the third model is greater than the second resource growth rate calculated by the second model.

[0061] In some embodiments, the resource increase value in the target account from the preset time to the current time can also be determined according to the second resource growth rate. Specifically, taking the data processing method provided in the present embodiment as an example and applied to a lending scenario, the penalty interest amount within the penalty interest preferential period can be calculated according to the second resource growth rate calculated by the first model; the penalty interest amount from outside the penalty interest preferential period to the date when the borrower is judged to be maliciously defaulting on the loan can be calculated according to the second resource growth rate calculated by the second model; the penalty interest amount outside the date when the borrower is judged to be maliciously defaulting on the loan can be calculated according to the second resource growth rate calculated by the third model.

[0062] The data processing method provided in the embodiment of this specification can obtain the first resource growth rate corresponding to the target account; the first resource growth rate is used to characterize the rate of increase of resources in the target account within the preset time; when the current time exceeds the preset time, a target model is selected from the preset model set according to how much the current time exceeds the preset time; wherein the preset model set includes multiple different models; the models in the preset model set are used to calculate the second resource growth rate; the second resource growth rate is used to characterize the rate of increase of resources in the target account outside the preset time; using the target model, the second resource growth rate corresponding to the target account at the current time is calculated according to the first resource growth rate. The data processing method provided in the embodiment of this specification can use different target models to calculate the second resource growth rate according to how much the current time exceeds the preset time, directly based on the first resource growth rate, no matter how the calculation process of the first resource growth rate changes, the corresponding target model can be used to calculate the second resource growth rate, making the calculation process of the second resource growth rate easier to read and maintain, simplifying the complex and lengthy processing logic, and improving the efficiency of the server in processing data.

[0063] An embodiment of the present specification also provides a computer-readable storage medium of a data processing method, wherein the computer-readable storage medium stores computer program instructions, which, when executed, implement: obtaining a first resource growth rate corresponding to a target account; the first resource growth rate is used to characterize the rate of increase of resources in the target account within a preset time; when the current time exceeds the preset time, selecting a target model from a preset model set according to how much the current time exceeds the preset time; wherein the preset model set includes a plurality of different models; the models in the preset model set are used to calculate a second resource growth rate; the second resource growth rate is used to characterize the rate of increase of resources in the target account outside the preset time; and using the target model, calculating the second resource growth rate corresponding to the target account at the current time according to the first resource growth rate.

[0064] In the embodiments of this specification, the above-mentioned storage medium includes but is not limited to random access memory (Random Access Memory, RAM), read-only memory (Read-Only Memory, ROM), cache (Cache), hard disk (Hard Disk Drive, HDD) or memory card (Memory Card). The memory can be used to store the computer program and / or module, and the memory can mainly include a storage program area and a storage data area, wherein the storage program area can store an operating system, at least one application required for a function, etc.; the storage data area can store data created according to the use of the user terminal, etc. In addition, the memory may include a high-speed random access memory and may also include a non-volatile memory. In the embodiments of this specification, the functions and effects specifically implemented by the program instructions stored in the computer-readable storage medium can be explained in comparison with other implementations, and will not be repeated here.

[0065] See also Figure 2 At the software level, the embodiments of this specification also provide a data processing device, which may specifically include the following structural modules.

[0066] An acquisition module 210 is used to acquire a first resource growth rate corresponding to a target account; the first resource growth rate is used to represent a rate of increase of resources in the target account within a preset time;

[0067] A selection module 220 is used to select a target model from a preset model set according to how much the current time exceeds the preset time when the current time exceeds the preset time; wherein the preset model set includes a plurality of different models; the models in the preset model set are used to calculate a second resource growth rate; the second resource growth rate is used to characterize the rate of increase of resources in the target account outside the preset time;

[0068] The calculation module 230 is used to use the target model to calculate the second resource growth rate corresponding to the current time target account according to the first resource growth rate.

[0069] Figure 3 This is a functional structure diagram of an electronic device according to an embodiment of the present specification. The electronic device may include a network communication unit, a memory, and a processor.

[0070] In some embodiments, the network communication unit may be used to obtain a first resource growth rate corresponding to the target account; the first resource growth rate is used to represent a rate of increase of resources in the target account within a preset time.

[0071] In some embodiments, the memory can be used to store the computer program and / or module, and the processor realizes various functions of data processing by running or executing the computer program and / or module stored in the memory, and calling the data stored in the memory. The memory may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system and an application required for at least one function; the data storage area may store data created according to the use of the user terminal. In addition, the memory may include a high-speed random access memory, and may also include a non-volatile memory, such as a hard disk, a memory, a plug-in hard disk, a smart memory card (Smart Media Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (Flash Card), at least one disk storage device, a flash memory device, or other volatile solid-state storage devices.

[0072] The processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components, etc. A general-purpose processor may be a microprocessor or the processor may be any conventional processor, etc. The processor may execute the computer instructions to implement the following steps: when the current time exceeds the preset time, a target model is selected from a preset model set according to how much the current time exceeds the preset time; wherein the preset model set includes a plurality of different models; the models in the preset model set are used to calculate a second resource growth rate; the second resource growth rate is used to characterize the ratio of resource increase in the target account outside the preset time; and the target model is used to calculate a second resource growth rate corresponding to the target account at the current time according to the first resource growth rate.

[0073] In the embodiments of this specification, the functions and effects specifically implemented by the electronic device can be explained in comparison with other embodiments and will not be repeated here.

[0074] It should be noted that the various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the device embodiment and the equipment embodiment, since they are basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0075] After reading this specification, those skilled in the art can conceive of any combination of some or all of the embodiments listed in this specification without creative work, and these combinations are also within the scope of disclosure and protection of this specification.

[0076] In the 1990s, improvements to a technology could be clearly distinguished as hardware improvements (for example, improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the method flow). However, with the development of technology, many improvements to the method flow today can be regarded as direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement in a method flow cannot be implemented using a hardware entity module. For example, a programmable logic device (PLD) (such as a field programmable gate array (FPGA)) is such an integrated circuit whose logical function is determined by the user's programming of the device. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to ask a chip manufacturer to design and produce a dedicated integrated circuit chip. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly implemented by "logic compiler" software, which is similar to the software compiler used when developing and writing programs, and the original code before compilation must also be written in a specific programming language, which is called hardware description language (HDL). There is not only one HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog2. Those skilled in the art should also know that it is only necessary to program the method flow slightly in the above-mentioned hardware description languages ​​and program it into the integrated circuit, and then it is easy to obtain the hardware circuit that implements the logic method flow.

[0077] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0078] It can be known from the above description of the implementation mode that the technicians in this field can clearly understand that the present specification can be implemented by means of software plus the necessary general hardware platform. Based on such an understanding, the technical solution of the present specification can be essentially or the part that contributes to the prior art can be embodied in the form of a software product, which can be stored in a storage medium, such as ROM / RAM, a disk, an optical disk, etc., including a number of instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods described in each embodiment of the present specification or some parts of the embodiments.

[0079] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0080] This specification can be used in many general or special computer system environments or configurations, such as personal computers, server computers, handheld or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set-top boxes, programmable consumer electronic devices, network PCs, minicomputers, mainframe computers, and distributed computing environments that include any of the above systems or devices.

[0081] This specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. This specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0082] Although the present specification is described through embodiments, those skilled in the art will appreciate that there are many modifications and changes to the present specification without departing from the spirit of the present specification, and it is intended that the appended claims include these modifications and changes without departing from the spirit of the present specification.

Claims

1. A data processing method, characterized in that: Applied to a server, the method comprises: Obtaining a first resource growth rate corresponding to the target account; the first resource growth rate is used to represent the rate of increase of resources in the target account within a preset time; the preset time includes the resource return time agreed upon by the target account after obtaining the resources; In the case where the current time exceeds the preset time, a target model is selected from the preset model set according to how much the current time exceeds the preset time; wherein the preset model set includes multiple different models; the model in the preset model set is used to calculate the second resource growth rate; the second resource growth rate is used to characterize the ratio of the increase of resources in the target account outside the preset time; the selection of the target model from the preset model set includes: in the case where the difference between the current time and the preset time is less than or equal to the first preset value, the first model is selected as the target model; in the case where the difference between the current time and the preset time is greater than the first preset value and less than the second preset value, the second model is selected as the target model; in the case where the difference between the current time and the preset time is greater than or equal to the second preset value, the third model is selected as the target model; the second resource growth rate calculated by the first model is less than the second resource growth rate calculated by the second model, and the second resource growth rate calculated by the third model is greater than the second resource growth rate calculated by the second model; different models include different second resource growth rate calculation formulas, and the second resource growth rate includes a penalty interest rate; Using the target model, calculating a second resource growth rate corresponding to the target account at the current time according to the first resource growth rate, and determining a resource increase value within the target account from the preset time to the current time according to the second resource growth rate; Among them, the first preset value is determined according to the penalty interest preferential period, and the second preset value is determined according to the date of malicious loan default; the first model is a penalty interest rate calculation model within the penalty interest preferential period, and the penalty interest amount within the penalty interest preferential period can be calculated according to the second resource growth rate calculated by the first model; the second model is a penalty interest rate calculation model outside the penalty interest preferential period, and the penalty interest amount from outside the penalty interest preferential period to the date of malicious loan default can be calculated according to the second resource growth rate calculated by the second model; the third model is a penalty interest rate calculation model corresponding to malicious loan default, and the penalty interest amount outside the date of malicious loan default can be calculated according to the second resource growth rate calculated by the third model.

2. The method according to claim 1, characterized in that The using the target model to calculate the second resource growth rate corresponding to the target account at the current time according to the first resource growth rate includes: Inputting the first resource growth rate into the target model to obtain an output result; The output result is used as the second resource growth rate.

3. The method according to claim 1, characterized in that The method further comprises: When the current time does not exceed the preset time, the resource increase value in the target account at the current time is determined according to the first resource growth rate.

4. A data processing device, characterized in that: The device comprises: An acquisition module, used to acquire a first resource growth rate corresponding to a target account; the first resource growth rate is used to represent a rate of increase of resources in the target account within a preset time; the preset time includes a resource return time agreed upon by the target account after acquiring the resources; A selection module is used to select a target model from a preset model set according to how much the current time exceeds the preset time when the current time exceeds the preset time; wherein the preset model set includes a plurality of different models; the models in the preset model set are used to calculate a second resource growth rate; the second resource growth rate is used to characterize the rate of increase of resources in the target account outside the preset time; the selection of the target model from the preset model set includes: when the difference between the current time and the preset time is less than or equal to a first preset value, selecting a first model as the target model; when the difference between the current time and the preset time is greater than the first preset value and less than a second preset value, selecting a second model as the target model; when the difference between the current time and the preset time is greater than or equal to a second preset value, selecting a third model as the target model; the second resource growth rate calculated by the first model is less than the second resource growth rate calculated by the second model, and the second resource growth rate calculated by the third model is greater than the second resource growth rate calculated by the second model; different models include different second resource growth rate calculation formulas, and the second resource growth rate includes a penalty interest rate; a calculation module, configured to use the target model to calculate a second resource growth rate corresponding to the target account at the current time according to the first resource growth rate, and determine a resource increase value within the target account from the preset time to the current time according to the second resource growth rate; Among them, the first preset value is determined according to the penalty interest preferential period, and the second preset value is determined according to the date of malicious loan default; the first model is a penalty interest rate calculation model within the penalty interest preferential period, and the penalty interest amount within the penalty interest preferential period can be calculated according to the second resource growth rate calculated by the first model; the second model is a penalty interest rate calculation model outside the penalty interest preferential period, and the penalty interest amount from outside the penalty interest preferential period to the date of malicious loan default can be calculated according to the second resource growth rate calculated by the second model; the third model is a penalty interest rate calculation model corresponding to malicious loan default, and the penalty interest amount outside the date of malicious loan default can be calculated according to the second resource growth rate calculated by the third model.

5. An electronic device, characterized in that: include: A network communication unit, used to obtain a first resource growth rate corresponding to a target account; The first resource growth rate is used to represent the rate of increase of resources in the target account within a preset time; the preset time includes the resource return time agreed upon by the target account after obtaining the resources; Memory for storing computer programs; A processor, configured to execute the computer program to achieve: when the current time exceeds the preset time, selecting a target model from a preset model set according to how much the current time exceeds the preset time; wherein the preset model set includes a plurality of different models; the models in the preset model set are used to calculate a second resource growth rate; the second resource growth rate is used to characterize the rate of increase of resources in the target account outside the preset time; the selecting a target model from the preset model set includes: when the difference between the current time and the preset time is less than or equal to a first preset value, selecting a first model as the target model, and when the difference between the current time and the preset time is greater than the first preset value and less than the second preset value, selecting The second model is used as the target model. When the difference between the current time and the preset time is greater than or equal to the second preset value, the third model is selected as the target model; the second resource growth rate calculated by the first model is less than the second resource growth rate calculated by the second model, and the second resource growth rate calculated by the third model is greater than the second resource growth rate calculated by the second model; different models include different second resource growth rate calculation formulas, and the second resource growth rate includes a penalty interest rate; using the target model, the second resource growth rate corresponding to the target account at the current time is calculated according to the first resource growth rate, and the resource increase value in the target account from the preset time to the current time is determined according to the second resource growth rate; Among them, the first preset value is determined according to the penalty interest preferential period, and the second preset value is determined according to the date of malicious loan default; the first model is a penalty interest rate calculation model within the penalty interest preferential period, and the penalty interest amount within the penalty interest preferential period can be calculated according to the second resource growth rate calculated by the first model; the second model is a penalty interest rate calculation model outside the penalty interest preferential period, and the penalty interest amount from outside the penalty interest preferential period to the date of malicious loan default can be calculated according to the second resource growth rate calculated by the second model; the third model is a penalty interest rate calculation model corresponding to malicious loan default, and the penalty interest amount outside the date of malicious loan default can be calculated according to the second resource growth rate calculated by the third model.

6. A computer-readable storage medium having computer instructions stored thereon, wherein when the instructions are executed, the following are achieved: obtaining a first resource growth rate corresponding to a target account; the first resource growth rate is used to represent the rate of increase of resources in the target account within a preset time; the preset time includes the resource return time agreed upon by the target account after obtaining the resources; When the current time exceeds the preset time, a target model is selected from a preset model set according to how much the current time exceeds the preset time; wherein, The preset model set includes a plurality of different models; The model in the preset model set is used to calculate the second resource growth rate; The second resource growth rate is used to represent the rate of increase of resources in the target account outside the preset time; The selecting of the target model from the preset model set includes: when the difference between the current time and the preset time is less than or equal to the first preset value, selecting the first model as the target model; when the difference between the current time and the preset time is greater than the first preset value and less than the second preset value, selecting the second model as the target model; when the difference between the current time and the preset time is greater than or equal to the second preset value, selecting the third model as the target model; the second resource growth rate calculated by the first model is less than the second resource growth rate calculated by the second model, and the second resource growth rate calculated by the third model is greater than the second resource growth rate calculated by the second model; different models include different second resource growth rate calculation formulas, and the second resource growth rate includes a penalty interest rate; using the target model, the second resource growth rate corresponding to the target account at the current time is calculated according to the first resource growth rate, and the resource increase value in the target account from the preset time to the current time is determined according to the second resource growth rate; Among them, the first preset value is determined according to the penalty interest preferential period, and the second preset value is determined according to the date of malicious loan default; the first model is a penalty interest rate calculation model within the penalty interest preferential period, and the penalty interest amount within the penalty interest preferential period can be calculated according to the second resource growth rate calculated by the first model; the second model is a penalty interest rate calculation model outside the penalty interest preferential period, and the penalty interest amount from outside the penalty interest preferential period to the date of malicious loan default can be calculated according to the second resource growth rate calculated by the second model; the third model is a penalty interest rate calculation model corresponding to malicious loan default, and the penalty interest amount outside the date of malicious loan default can be calculated according to the second resource growth rate calculated by the third model.

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