Interest calculation method, system, device, medium and computer program product

Abstract

The present invention relates to the field of data processing, and particularly to an interest calculation processing method, system, device, medium and computer program product. The method includes: Step A, generating a first end-of-day balance file and a second end-of-day balance file based on the end-of-day cross-sectional data; Step B, sending the second end-of-day balance file to an external interest calculation system; Step C, calculating and generating a first current-day interest to be accrued file based on the first end-of-day balance file; Step D, receiving a second current-day interest to be accrued file from the external interest calculation system; Step E, merging the first current-day interest to be accrued file and the second current-day interest to be accrued file. The technical problem of poor scalability of the bank deposit system is solved.

Description

Technical Field

[0001] The present invention relates to the field of data processing, and particularly to an interest calculation processing method, system, device, medium and computer program product. Background Art

[0002] Interest accrual refers to that according to the accrual basis of the enterprise accounting system, an enterprise needs to accrue the interest that should be paid in the current period but has not been paid in the current period at the end of the current period. Here, the enterprise refers to a bank, and the accrual frequency is daily. At present, the scalability of the bank deposit system is poor, and a series of processes such as interest calculation, interest settlement, and bookkeeping of deposit accounts need to be completed in the core system. When a special deposit product needs to be added in business and another system already has the interest calculation function for this deposit product, the core system still needs to be re-developed to meet the business requirements. Summary of the Invention

[0003] The purpose of the present invention is to provide an interest calculation processing method, system, device, medium and computer program product to solve the technical problem of poor scalability of the bank deposit system.

[0004] An embodiment of the present invention discloses an interest calculation processing method for an electronic device. The method includes:

[0005] Step A, generating a first end-of-day balance file and a second end-of-day balance file based on the end-of-day cross-sectional data;

[0006] Step B, sending the second end-of-day balance file to an external interest calculation system;

[0007] Step C, calculating and generating a first daily interest accrual file based on the first end-of-day balance file;

[0008] Step D, receiving a second daily interest accrual file from the external interest calculation system;

[0009] Step E, merging the first daily interest accrual file and the second daily interest accrual file.

[0010] Optionally, step D further includes:

[0011] Sub-step d1, checking whether the second daily interest accrual file is received. If received, end step D and execute step E. If not received, execute sub-step d2;

[0012] Sub-step d2, judging whether sub-step d3 has been executed a predetermined number of times. If so, end step D and do not execute step E. If not, execute sub-step d3;

[0013] Sub-step d3, waiting for a predetermined duration and then repeating sub-step d1.

[0014] Optionally, the method further includes:

[0015] Step F, perform interest accrual accounting;

[0016] Step G, process the ledger file.

[0017] Optionally,

[0018] Step D further includes: receiving the accumulated interest accrual from an external interest calculation system;

[0019] In sub-step d2, if it is determined that sub-step d3 has been executed a predetermined number of times, then Step F includes:

[0020] Determine the first daily interest accrual accounting amount based on the first daily interest accrual file;

[0021] Determine the second daily interest accrual accounting amount, where the second daily interest accrual accounting amount = the accumulated interest accrual received on the current day - the accumulated interest accrual received on the previous day;

[0022] Perform interest accrual accounting based on the first daily interest accrual accounting amount and the second daily interest accrual accounting amount.

[0023] Optionally, when Step E is executed, Step F includes:

[0024] Perform interest accrual accounting based on the combined result of the first daily interest accrual file and the second daily interest accrual file.

[0025] An embodiment of the present invention discloses an interest calculation processing system, the system includes:

[0026] A core system, used to execute:

[0027] Step A, generate a first end-of-day balance file and a second end-of-day balance file based on end-of-day cross-sectional data,

[0028] Step B, send the second end-of-day balance file to an external interest calculation system,

[0029] Step C, calculate and generate a first daily interest accrual file based on the first end-of-day balance file,

[0030] Step D, receive a second daily interest accrual file from the external interest calculation system,

[0031] Step E, merge the first daily interest accrual file and the second daily interest accrual file;

[0032] An external interest calculation system, used to execute:

[0033] Step H, receive the second end-of-day balance file from the core system,

[0034] Step I: Calculate and generate the interest accrual file for the second day based on the second day end balance file.

[0035] Step J: Send the interest accrual file for the second day to the core system.

[0036] Optionally, step D further comprises:

[0037] Sub-step d1, checking whether the document on interest to be accrued on the second day has been received, if received, then ending step D and executing step E, if not received, then executing sub-step d2;

[0038] Sub-step d2, determining whether sub-step d3 has been executed for a predetermined number of times, if so, ending step D and not executing step E, if not, executing sub-step d3;

[0039] Sub-step d3, repeat sub-step d1 after waiting for a predetermined period of time.

[0040] Optionally, the core system also performs:

[0041] Step F, record the interest accrual;

[0042] Step G, process the sub-account files.

[0043] Optionally,

[0044] Step D also includes: receiving accumulated accrued interest from an external interest calculation system;

[0045] In sub-step d2, if it is determined that sub-step d3 has been executed for a predetermined number of times, step F includes:

[0046] Determine the first day’s accrual amount based on the first day’s accrual interest document;

[0047] Determine the accrual amount on the second day, which is the accrual amount on the second day = the accumulated accrual interest received on the day - the accumulated accrual interest received on the previous day;

[0048] Based on the accrual amount on the first day and the accrual amount on the second day, interest is accrued.

[0049] Optionally, when performing step E, step F includes:

[0050] Based on the combined result of the first day’s accrued interest file and the second day’s accrued interest file, interest accrual accounting is performed.

[0051] An embodiment of the present invention discloses an interest calculation processing device, which includes a memory storing computer executable instructions and a processor. When the instructions are executed by the processor, the device implements the interest calculation processing method according to the embodiment of the present invention.

[0052] Embodiments of the present invention disclose a computer storage medium, on which instructions are stored. When the instructions run on a computer, the computer is caused to execute an interest calculation processing method according to the embodiments of the present invention.

[0053] Embodiments of the present invention disclose a computer program product, including computer-executable instructions, which are executed by a processor to implement an interest calculation processing method according to the embodiments of the present invention.

[0054] Compared with the prior art, the main differences and effects of the embodiments of the present invention are as follows:

[0055] In the present invention, the (core system) sends the second day-end balance file to an external interest calculation system, receives the second current-day accrued interest file from the external interest calculation system, and merges the first current-day accrued interest file and the second current-day accrued interest file. The core system has added a new way of batch interface access. In terms of interest calculation and settlement, the core system does not need to care about the interest calculation rules of this type of deposit product and only assists in accounting. The external system only needs to care about how to calculate interest and does not need to care about how to account and reconcile accounts. The core system and the external system cooperate to complete the processing of a special interest calculation deposit product account, improving the expansion ability of the core system, enabling flexible access to external systems, and realizing special interest calculation functions.

[0056] In the present invention, in sub-step d1, it is checked whether the second current-day accrued interest file is received. If it is received, step D ends and step E is executed. If it is not received, sub-step d2 is executed; in sub-step d2, it is judged whether sub-step d3 is executed a predetermined number of times. If it reaches, step D ends and step E is not executed. If it does not reach, sub-step d3 is executed; in sub-step d3, after waiting for a predetermined duration, sub-step d1 is repeated. The loop waiting logic prevents the core system from not receiving the external file in abnormal situations and affecting the batch processing of the system.

[0057] In the present invention, step D further includes: receiving the cumulative accrued interest from the external interest calculation system; in sub-step d2, if it is judged that sub-step d3 is executed a predetermined number of times, then step F includes: determining the first current-day accrued interest accounting amount based on the first current-day accrued interest file; determining the second current-day accrued interest accounting amount, where the second current-day accrued interest accounting amount = the cumulative accrued interest received on the current day - the cumulative accrued interest received on the previous day; based on the first current-day accrued interest accounting amount and the second current-day accrued interest accounting amount, perform accrued interest accounting. If the core system still does not receive the external file after waiting for the maximum number of times (maximum time) on the current day, the system can adaptively solve the problem, solving the problem of incomplete accrued interest in special cases. BRIEF DESCRIPTION OF THE DRAWINGS

[0058] Figure 1 A block diagram showing an exemplary interest calculation processing system according to an embodiment of the present invention.

[0059] Figure 2 A flowchart showing an interest calculation processing method according to an embodiment of the present invention.

[0060] Figure 3 A hardware structure block diagram of an electronic device for implementing the interest calculation processing method according to an embodiment of the present invention. Detailed implementation manners

[0061] The present application will be further described below in conjunction with specific embodiments and the accompanying drawings. It can be understood that the specific embodiments described herein are only for explaining the present application and not for limiting the present application. In addition, for the convenience of description, only parts related to the present application rather than all structures or processes are shown in the drawings. It should be noted that in this specification, similar reference numerals and letters denote similar items in the following drawings.

[0062] It should be understood that although terms such as "first", "second", etc. may be used herein to describe various features, these features should not be limited by these terms. These terms are only used for distinction and should not be construed as indicating or implying relative importance. For example, without departing from the scope of the exemplary embodiments, the first feature may be referred to as the second feature, and similarly, the second feature may be referred to as the first feature.

[0063] In the description of the present application, it should also be noted that unless otherwise clearly defined and limited, the terms "set", "connected", "coupled" should be understood in a broad sense. For example, it may be a fixed connection, a detachable connection, or an integral connection; it may be a mechanical connection or an electrical connection; it may be directly connected or indirectly connected through an intermediate medium, and it may be the internal communication of two elements. For those of ordinary skill in the art, the specific meanings of the above terms in this embodiment can be understood according to specific situations.

[0064] The illustrative embodiments of the present application include, but are not limited to, an interest calculation processing method, system, device, medium, and computer program product.

[0065] Aspects of the illustrative embodiments will be described using terms commonly employed by those skilled in the art to convey the substance of their work to others skilled in the art. However, it will be apparent to those skilled in the art that some alternative embodiments may be practiced using some of the features described herein. For purposes of explanation, specific numbers and configurations are set forth in order to provide a thorough understanding of the illustrative embodiments. However, it will be apparent to those skilled in the art that alternative embodiments may be practiced without the specific details. In some other instances, some well-known features are omitted or simplified in order not to obscure the illustrative embodiments of the present application.

[0066] In addition, various operations will be described as multiple discrete operations in a manner that is most helpful in understanding the illustrative embodiments; however, the order of description should not be construed as to imply that these operations are necessarily dependent on the order of description. Many of these operations may be performed in parallel, concurrently, or simultaneously. In addition, the order of the operations may be rearranged. When the described operations are completed, the processing may be terminated, but there may be additional steps not included in the figures. The processing may correspond to a method, a function, a procedure, a subroutine, a subprogram, etc.

[0067] References in the specification to "one embodiment", "an embodiment", "illustrative embodiment", etc., mean that the described embodiment may include a particular feature, structure, or property, but every embodiment may or may not necessarily include the particular feature, structure, or property. Moreover, these phrases are not necessarily referring to the same embodiment. In addition, when a particular feature is described in connection with a specific embodiment, the knowledge of those skilled in the art can influence the combination of such feature with other embodiments, whether or not such embodiments are explicitly described.

[0068] Unless the context dictates otherwise, the terms "comprising", "having", and "including" are synonyms. The phrase "A and / or B" means "(A), (B), or (A and B)".

[0069] As used herein, the term "module" may refer to, as part of, or include: a memory (shared, dedicated, or group) for running one or more software or firmware programs, an application specific integrated circuit (ASIC), an electronic circuit, and / or a processor (shared, dedicated, or group), combinational logic circuitry, and / or other suitable components that provide the described functionality.

[0070] In the accompanying drawings, some structural or method features may be shown in a specific arrangement and / or order. However, it should be understood that such a specific arrangement and / or ordering is not necessary. Instead, in some embodiments, these features may be illustrated in a manner and / or order different from that shown in the illustrative drawings. Additionally, the structural or method features included in a specific drawing do not mean that all embodiments need to include such features. In some embodiments, these features may be excluded or combined with other features.

[0071] To make the objectives, technical solutions, and advantages of this application clearer, the following will further describe the embodiments of this application in detail in conjunction with the accompanying drawings.

[0072] In view of the problem of poor scalability of the current bank deposit system, embodiments of this application provide an interest calculation processing system, as Figure 1 shown. The exemplary interest calculation processing system 100 includes:

[0073] A core system (corporate deposit system) 101, configured to execute:

[0074] Step A: Generate a first end-of-day balance file 1011 and a second end-of-day balance file 1012 based on end-of-day cross-sectional data;

[0075] For example, in the corporate deposit system 101, marks are made on the accounts, and corporate current deposit accounts are divided into two types of accounts for interest calculation processing:

[0076] 1) The first type of account is an interest calculation account of this system. For this type of account, in the conventional mode, a series of processes such as interest calculation and interest settlement of the account are completed by the corporate deposit system 101.

[0077] 2) The second type of account is an interest calculation account of an external system. For example, for accounts that have signed special deposit products, the following mode is adopted for interest calculation processing:

[0078] End-of-day batch accrual processing: The external system 102 calculates the interest and provides the accrued interest file to the corporate deposit system 101.

[0079] The corporate deposit system 101 provides two interest settlement modes for such accounts: (1) Similar to the first type of account, the corporate deposit system 101 processes quarterly interest settlement; (2) The corporate deposit system 101 provides an online interest settlement transaction for the external system 102 to call for interest settlement to perform interest settlement processing on this second type of account.

[0080] In this step A, the corporate deposit system 101 generates the first day-end balance file for the first type of accounts and the second day-end balance file for the second type of accounts. For example, for corporate account 1 and corporate account 2, where corporate account 1 has a regular current deposit in the bank and corporate account 2 has subscribed to a special deposit product with the bank. Among them, corporate account 1 and corporate account 2 can belong to the same user or different users respectively. After the daily cut batch processing, the corporate deposit system 101 of the bank will obtain the day-end cross-sectional data. Based on this day-end cross-sectional data, the corporate deposit system 101 can generate the first day-end balance file 1011 for corporate account 1 and the second day-end balance file 1012 for corporate account 2.

[0081] Step B, send the second day-end balance file 1012 to the external interest calculation system 102.

[0082] Step C, calculate and generate the first current-day interest to be accrued file 1013 based on the first day-end balance file 1011.

[0083] Step D, receive the second current-day interest to be accrued file 1014 from the external interest calculation system 102; In actual operation, the system interaction is carried out in the same batch period. How to connect the relevant processing logics without affecting the overall batch timeliness of the corporate deposit system is the key point of this invention. The external system 102 needs to receive the day-end balance file of the corporate deposit system 101 on the current day before it can start calculating the interest. Similarly, the corporate deposit system 101 needs to receive the accrued interest file from the external system 102 before it can continue the current-day accrued interest accounting process. This time needs to be limited because a too long waiting time will affect the overall accounting process of the bank system. Therefore, the corporate deposit system 101 can set the file waiting time as follows: In the corporate deposit system 101, determine the maximum waiting time T that can be waited according to the system performance, and at the same time set the waiting time t each time, that is, check whether the second current-day interest to be accrued file is received every time after time t. Then the maximum waiting times N = T / t (when N is not an integer, round N). Here, setting a smaller waiting time t each time is beneficial for quickly checking that the external file has been received and proceeding with the subsequent processing after the external file actually arrives. Setting the maximum time T can prevent the entire batch processing of this system from being affected due to not receiving the external file in case of an exception. This solution can be implemented as a loop waiting logic. Specifically, step D further includes:

[0084] Sub-step d1, check whether the second current-day interest to be accrued file 1014 is received. If it is received, end step D and execute step E. If not, execute sub-step d2;

[0085] Sub-step d2: Determine whether the execution of sub-step d3 has reached a predetermined number of times (i.e., the above maximum waiting time N = T / t). If it has reached, end step D and do not execute step E. If it has not reached, execute sub-step d3;

[0086] Sub-step d3: After waiting for a predetermined duration, repeat sub-step d1.

[0087] Step E: Merge the first daily accrued interest file 1013 and the second daily accrued interest file 1014;

[0088] Step F: Perform accrued interest accounting; If within the maximum waiting time T (or loop waiting N times) of the corporate deposit system 101 on the same day, the second daily accrued interest file 1014 from the external interest calculation system 102 is received, that is, when step E is executed, step F includes: Based on the merged result of the first daily accrued interest file and the second daily accrued interest file 1014, perform accrued interest accounting.

[0089] If the corporate deposit system 101 still has not received the second daily accrued interest file 1014 from the external interest calculation system 102 after the maximum waiting time T (or loop waiting N times) on the same day, the corporate deposit system 101 can handle it adaptively. Specifically, step D also includes: Receiving the cumulative accrued interest from the external interest calculation system 102. The cumulative accrued interest refers to the accrued interest payable from the last interest settlement date of the user account to the current date, which is calculated by the external interest calculation system 102, calculated separately from the second daily accrued interest file 1014, and merged with the second daily accrued interest file 1014 into a file and then sent by the external interest calculation system 102 to the corporate deposit system 101. In the case where the external interest calculation system 102 does not generate the second daily accrued interest file 1014 in a timely manner, the cumulative accrued interest can also be calculated, generated, and sent to the corporate deposit system 101;

[0090] In sub-step d2, if it is determined that the execution of sub-step d3 has reached a predetermined number of times, step F includes:

[0091] Determine the first daily accrued interest accounting amount based on the first daily accrued interest file 1013;

[0092] Determine the second daily accrued interest accounting amount, where the second daily accrued interest accounting amount = the cumulative accrued interest received on the current day - the cumulative accrued interest received on the previous day;

[0093] Based on the first daily accrued interest accounting amount and the second daily accrued interest accounting amount, perform accrued interest accounting.

[0094] In this way, the problem of incomplete interest accrual in special cases is solved. Moreover, if a failure occurs on day T and the corporate deposit system 101 does not receive the second daily interest accrual file 1014 from the external interest calculation system 102, the incremental interest accrual on day T can be postponed to day T+1 for bookkeeping, that is, on day T+1, the incremental interest accrual for both day T and day T+1 will be recorded respectively, which will have no impact on customers.

[0095] Step G, process the ledger file. The ledger of the bank is the details of each corporate account opened in the bank on a monthly basis. It is the main form of detailed accounting, established according to the specific content of the aggregated accounts, and is the detailed record of each account, including the cash journal, bank journal, and subsidiary ledger (including many accounting subjects, such as accounts receivable, accounts payable, other receivables, and other payables). In the present invention, after completing the interest accrual bookkeeping, the ledger file can be processed.

[0096] The external interest calculation system 102 is used to execute:

[0097] Step H, receive the second day-end balance file 1012 from the corporate deposit system 101,

[0098] Step I, calculate and generate the second daily interest accrual file 1014 based on the second day-end balance file 1012,

[0099] Step J, send the second daily interest accrual file 1014 to the corporate deposit system 101.

[0100] An embodiment of the present application also discloses an interest calculation processing method for an electronic device, Figure 2 The flowchart showing this interest calculation processing method, the method 200 includes:

[0101] Step 202, generate the first day-end balance file and the second day-end balance file based on the day-end cross-sectional data;

[0102] Reference Figure 1 , for example, in the corporate deposit system 101, a mark is made on the account, and the corporate demand deposit accounts are divided into two types of accounts in terms of interest calculation processing:

[0103] 1) The first type of account is the interest calculation account of this system. For this type of account, according to the conventional mode, a series of processes such as interest calculation and interest settlement of the account are completed by the corporate deposit system 101.

[0104] 2) The second type of account is the interest calculation account of the external system. For example, for accounts that have signed special deposit products, the following mode is adopted for interest calculation processing:

[0105] Daily end batch interest accrual processing, where the external system 102 calculates the interest and provides the interest accrual file to the corporate deposit system 101.

[0106] The corporate deposit system 101 provides two interest settlement modes for such accounts: (1) Similar to the first type of accounts, the corporate deposit system 101 processes quarterly interest settlement; (2) The corporate deposit system 101 provides an online interest settlement transaction for the external system 102 to call for interest settlement to process the interest settlement of the second type of accounts.

[0107] In this step 202, the corporate deposit system 101 generates the first end-of-day balance file for the first type of accounts and the second end-of-day balance file for the second type of accounts. For example, for corporate account 1 and corporate account 2, where corporate account 1 has a regular demand deposit in the bank and corporate account 2 has subscribed to a special deposit product with the bank. Among them, corporate account 1 and corporate account 2 can belong to the same user or different users respectively. After the daily batch processing by the corporate deposit system 101 of the bank, end-of-day cross-sectional data can be obtained. Based on this end-of-day cross-sectional data, the corporate deposit system 101 can generate the first end-of-day balance file for corporate account 1 and the second end-of-day balance file for corporate account 2.

[0108] Step 204, send the second end-of-day balance file to the external interest calculation system;

[0109] Step 206, calculate and generate the first current-day accrued interest file based on the above-mentioned first end-of-day balance file;

[0110] Reference Figure 1 , the corporate deposit system 101 needs to receive the accrued interest file from the external system 102 before it can continue the current-day accrued interest accounting process. This time needs to be limited because a too long waiting time will affect the overall accounting process of the bank system. Therefore, the corporate deposit system 101 can set a file waiting time as follows: In the corporate deposit system 101, determine the maximum waiting time T that can be waited according to the system performance, and at the same time set the waiting time t each time, that is, check whether the second current-day accrued interest file is received every time after time t. Then the maximum waiting times N = T / t (when N is not an integer, round N). Here, setting a smaller waiting time t each time is beneficial to being able to quickly check that the external file has been received and proceed with the following processing after the external file actually arrives. Setting the maximum time T can prevent the entire batch processing of this system from being affected in case the external file cannot be received under abnormal circumstances. This solution can be implemented through subsequent loop waiting logic.

[0111] Step 208, check whether the second current-day accrued interest file is received. If received, execute step 214a. If not received, execute step 210;

[0112] Step 210: Determine whether step 212 has been executed a predetermined number of times. If so, execute step 214b; if not, execute step 212.

[0113] Step 212: After waiting for a predetermined duration, repeat step 208.

[0114] Step 214a: Merge the first daily interest to be accrued file and the second daily interest to be accrued file, and based on the merged result, execute step 216.

[0115] Reference Figure 1 , for example, if within the maximum waiting time T (or loop waiting N times) of the corporate deposit system 101 on the current day, the second daily interest to be accrued file from the external interest accrual system 102 is received, based on the merged result of the first daily interest to be accrued file and the second daily interest to be accrued file, interest accrual accounting is performed.

[0116] Step 214b: Adaptive processing. Specifically, receive the cumulative interest to be accrued from the external interest accrual system; the cumulative interest to be accrued refers to the interest payable from the last interest settlement date of the user account to the current time, which is calculated by the external interest accrual system 102, calculated separately from the second daily interest to be accrued file, and merged with the second daily interest to be accrued file into one file and then sent by the external interest accrual system 102 to the corporate deposit system 101. In the case where the external interest accrual system 102 does not generate the second daily interest to be accrued file in a timely manner, the cumulative interest to be accrued can also be calculated, generated, and sent to the corporate deposit system 101;

[0117] Determine the first daily interest accrual accounting amount based on the first daily interest to be accrued file;

[0118] Determine the second daily interest accrual accounting amount. The second daily interest accrual accounting amount = the cumulative interest to be accrued received on the current day - the cumulative interest to be accrued received on the previous day;

[0119] Based on the first daily interest accrual accounting amount and the second daily interest accrual accounting amount, then execute step 216.

[0120] Reference Figure 1 , for example, if the corporate deposit system 101 still does not receive the second daily interest to be accrued file from the external interest accrual system 102 after waiting for the maximum time T (or loop waiting N times) on the current day, the corporate deposit system 101 can perform adaptive processing to solve it. In this way, the problem of incomplete interest accrual in special cases is solved. And if a failure occurs on day T and the corporate deposit system 101 does not receive the second daily interest to be accrued file from the external interest accrual system 102, the incremental interest accrual on day T can be delayed to day T + 1 for accounting, that is, on day T + 1, the incremental interest accrual for both day T and day T + 1 will be accounted for, which will have no impact on the customers.

[0121] Step 216, perform interest accrual accounting.

[0122] Step 218, process the ledger file. The ledger of a bank is the monthly details of all corporate accounts opened at the bank. It is the main form of detailed accounting, established according to the specific content of the aggregated accounts, and is the detailed record of each account, including the cash journal, bank journal, and subsidiary ledger (which includes many accounting subjects, such as accounts receivable, accounts payable, other receivables, and other payables). In the present invention, after completing the interest accrual accounting, the ledger file can be processed. Figure 3 It is a hardware structure block diagram of an electronic device for implementing the interest calculation processing method according to an embodiment of the present invention.

[0123] Such as Figure 3 shown, the electronic device 300 may include one or more processors 302, a system motherboard 308 connected to at least one of the processors 302, a system memory 304 connected to the system motherboard 308, a non-volatile memory (NVM) 306 connected to the system motherboard 308, and a network interface 310 connected to the system motherboard 308.

[0124] The processor 302 may include one or more single-core or multi-core processors. The processor 302 may include any combination of general-purpose processors and dedicated processors (e.g., graphics processors, application processors, baseband processors, etc.). In an embodiment of the present invention, the processor 302 may be configured to execute one or more embodiments according to various embodiments of the interest calculation processing method.

[0125] In some embodiments, the system motherboard 308 may include any suitable interface controller to provide any suitable interface to at least one of the processors 302 and / or any suitable device or component communicating with the system motherboard 308.

[0126] In some embodiments, the system motherboard 308 may include one or more memory controllers to provide an interface connected to the system memory 304. The system memory 304 may be used to load and store data and / or instructions. In some embodiments, the system memory 304 of the electronic device 300 may include any suitable volatile memory, such as a suitable dynamic random access memory (DRAM).

[0127] The NVM 306 may include one or more tangible, non-transitory computer-readable media for storing data and / or instructions. In some embodiments, the NVM 306 may include any suitable non-volatile memory such as flash memory and / or any suitable non-volatile storage device, such as at least one of a HDD (Hard Disk Drive), a CD (Compact Disc) drive, and a DVD (Digital Versatile Disc) drive.

[0128] The NVM 306 may include a portion of the storage resources installed on the device of the electronic device 300, or it may be accessible by the device but not necessarily part of the device. For example, the NVM 306 may be accessed via the network interface 310 over a network.

[0129] Specifically, the system memory 304 and the NVM 306 may respectively include: a temporary copy and a permanent copy of the instructions 420. The instructions 420 may include: instructions that, when executed by at least one of the processors 302, cause the electronic device 300 to implement the interest calculation processing method. In some embodiments, the instructions 420, hardware, firmware, and / or its software components may alternatively / additionally be disposed in the system motherboard 308, the network interface 310, and / or the processor 302.

[0130] The network interface 310 may include a transceiver for providing a radio interface for the electronic device 300, and thus communicating with any other suitable device (such as a front-end module, an antenna, etc.) over one or more networks. In some embodiments, the network interface 310 may be integrated with other components of the electronic device 300. For example, the network interface 310 may be integrated with at least one of the processor 302, the system memory 304, the NVM 306, and a firmware device with instructions (not shown), and when at least one of the processors 302 executes the instructions, the electronic device 300 implements one or more embodiments of various embodiments of the interest calculation processing method.

[0131] The network interface 310 may further include any suitable hardware and / or firmware to provide a multiple-input multiple-output radio interface. For example, the network interface 310 may be a network adapter, a wireless network adapter, a telephone modem, and / or a wireless modem.

[0132] In one embodiment, at least one of the processors 302 may be packaged together with one or more controllers for the system motherboard 308 to form a system-in-package (SiP). In one embodiment, at least one of the processors 302 may be integrated on the same die with one or more controllers for the system motherboard 308 to form a system-on-chip (SoC).

[0133] The electronic device 300 may further include: an input / output (I / O) device 312, connected to the system motherboard 308. The I / O device 312 may include a user interface that enables a user to interact with the electronic device 300; the design of the peripheral component interface enables peripheral components to also interact with the electronic device 300. In some embodiments, the electronic device 300 further includes sensors for determining at least one of environmental conditions and location information related to the electronic device 300.

[0134] In some embodiments, the I / O device 312 may include, but is not limited to, a display (e.g., a liquid crystal display, a touch screen display, etc.), a speaker, a microphone, one or more cameras (e.g., a still image camera and / or a video camera), a flashlight (e.g., a light emitting diode flash), and a keyboard.

[0135] In some embodiments, the peripheral component interface may include, but is not limited to, a non-volatile memory port, an audio jack, and a power interface.

[0136] In some embodiments, the sensors may include, but are not limited to, a gyroscope sensor, an accelerometer, a proximity sensor, an ambient light sensor, and a positioning unit. The positioning unit may also be part of or interact with the network interface 310 to communicate with components of a positioning network (e.g., Global Positioning System (GPS) satellites).

[0137] It can be understood that the structure illustrated in the embodiments of the present invention does not constitute a specific limitation on the electronic device 300. In other embodiments of the present application, the electronic device 300 may include more or fewer components than those illustrated, or combine certain components, or split certain components, or have different component arrangements. The illustrated components may be implemented in hardware, software, or a combination of software and hardware.

[0138] Program code may be applied to input instructions to perform the various functions described in the present invention and generate output information. The output information may be applied to one or more output devices in a known manner. For the purposes of the present application, a system for processing instructions including the processor 302 includes any system having a processor such as a digital signal processor (DSP), a microcontroller, an application specific integrated circuit (ASIC), or a microprocessor.

[0139] The program code may be implemented in a high-level procedural language or an object-oriented programming language in order to communicate with the processing system. When needed, the program code may also be implemented in assembly language or machine language. In fact, the mechanisms described in the present invention are not limited to the scope of any specific programming language. In any case, the language may be a compiled language or an interpreted language.

[0140] One or more aspects of at least one embodiment can be implemented by instructions stored on a computer-readable storage medium that, when read and executed by a processor, enable an electronic device to implement the methods of the embodiments described in the present invention.

[0141] According to some embodiments of the present application, a computer storage medium is disclosed, on which instructions are stored that, when run on a computer, cause the computer to execute any of the possible methods of the first embodiment described above.

[0142] The first implementation manner is a method implementation manner corresponding to this implementation manner, and this implementation manner can be implemented in cooperation with the first implementation manner. The relevant technical details mentioned in the first implementation manner are still valid in this implementation manner. To avoid repetition, they are not elaborated here. Correspondingly, the relevant technical details mentioned in this implementation manner can also be applied in the first implementation manner.

[0143] According to some embodiments of the present application, a computer program product is disclosed, including computer-executable instructions that are executed by a processor to implement an interest calculation processing method according to an implementation manner of the present invention.

[0144] The first implementation manner is a method implementation manner corresponding to this implementation manner, and this implementation manner can be implemented in cooperation with the first implementation manner. The relevant technical details mentioned in the first implementation manner are still valid in this implementation manner. To avoid repetition, they are not elaborated here. Correspondingly, the relevant technical details mentioned in this implementation manner can also be applied in the first implementation manner.

[0145] In some cases, the disclosed embodiments may be implemented in hardware, firmware, software, or any combination thereof. The disclosed embodiments may also be implemented in the form of instructions or programs carried or stored on one or more transient or non-transient machine-readable (e.g., computer-readable) storage media, which may be read and executed by one or more processors, etc. When the instructions or programs are run by a machine, the machine may perform the various methods described above. For example, the instructions may be distributed via a network or other computer-readable media. Thus, machine-readable media may include, but are not limited to, any mechanism for storing or transmitting information in a form readable by a machine (e.g., a computer), such as a floppy disk, an optical disk, a compact disc read-only memory (CD-ROMs), a magneto-optical disk, a read-only memory (ROM), a random access memory (RAM), an erasable programmable read-only memory (EPROM), an electronically erasable programmable read-only memory (EEPROM), a magnetic or optical card, or a flash memory or tangible machine-readable memory for transmitting network information by electrical, optical, acoustic, or other forms of signals (e.g., carrier waves, infrared signals, digital signals, etc.). Thus, machine-readable media include any form of machine-readable media suitable for storing or transmitting electronic instructions or machine (e.g., computer) readable information.

[0146] The embodiments of the present application have been described in detail above in conjunction with the accompanying drawings. However, the use of the technical solutions of the present application is not limited to the various applications mentioned in the embodiments of this patent. Various structures and variations can be easily implemented with reference to the technical solutions of the present application to achieve the various beneficial effects mentioned herein. Within the scope of knowledge possessed by those of ordinary skill in the art, various changes made without departing from the purpose of the present application shall fall within the scope covered by the patent of the present application.

Claims

1. An interest calculation processing method for an electronic device, characterized in that, the method includes: Step A, generating a first end-of-day balance file and a second end-of-day balance file based on end-of-day cross-sectional data; Step B, sending the second end-of-day balance file to an external interest calculation system; Step C, calculating and generating a first current-day interest to be accrued file based on the first end-of-day balance file; Step D, receiving a second current-day interest to be accrued file and an accumulated accrued interest from the external interest calculation system; Step D includes: Sub-step d1, checking whether the second current-day interest to be accrued file is received. If received, end Step D and execute Step E. If not received, execute Sub-step d2; Sub-step d2, determining whether Sub-step d3 has been executed a predetermined number of times. If so, end Step D and do not execute Step E. If not, execute Sub-step d3; Sub-step d3, waiting for a predetermined duration and then repeating Sub-step d1; Step E, merging the first current-day interest to be accrued file and the second current-day interest to be accrued file; Step F, performing interest accrual accounting. Among them, in Sub-step d2, if it is determined that Sub-step d3 has been executed a predetermined number of times, Step F includes: Determining a first current-day accrual accounting amount based on the first current-day interest to be accrued file; Determining a second current-day accrual accounting amount, where the second current-day accrual accounting amount = the accumulated accrued interest received on the current day - the accumulated accrued interest received on the previous day; Performing interest accrual accounting based on the first current-day accrual accounting amount and the second current-day accrual accounting amount; Step G, processing the ledger file.

2. The method according to claim 1, characterized in that, in the case of executing Step E, Step F includes: Performing interest accrual accounting based on the merged result of the first current-day interest to be accrued file and the second current-day interest to be accrued file.

3. An interest calculation processing system, characterized in that, the system includes: A core system for performing: Step A, generating a first end-of-day balance file and a second end-of-day balance file based on end-of-day cross-sectional data, Step B, sending the second end-of-day balance file to an external interest calculation system, Step C, calculating and generating a first current-day interest to be accrued file based on the first end-of-day balance file, Step D, receiving a second current-day interest to be accrued file and an accumulated accrued interest from the external interest calculation system; Step D includes: Sub-step d1, checking whether the second current-day interest to be accrued file is received. If received, end Step D and execute Step E. If not received, execute Sub-step d2; Sub-step d2, determining whether Sub-step d3 has been executed a predetermined number of times. If so, end Step D and do not execute Step E. If not, execute Sub-step d3; Sub-step d3, repeat sub-step d1 after waiting for a predetermined duration; Step E, merge the first daily accrued interest file and the second daily accrued interest file; Step F, perform accrued interest accounting. Among them, in the sub-step d2, if it is determined that the execution of sub-step d3 reaches a predetermined number of times, then Step F includes: Determine the first daily accrued interest accounting amount based on the first daily accrued interest file; Determine the second daily accrued interest accounting amount, where the second daily accrued interest accounting amount = the cumulative accrued interest received on the current day - the cumulative accrued interest received on the previous day; Based on the first daily accrued interest accounting amount and the second daily accrued interest accounting amount, perform accrued interest accounting; Step G, process the ledger file; External interest calculation system, used to execute: Step H, receive the second day-end balance file from the core system, Step I, calculate and generate the second daily accrued interest file based on the second day-end balance file, and Step J, send the second daily accrued interest file to the core system.

4. The system according to claim 3, wherein, In the case of executing Step E, Step F includes: Perform accrued interest accounting based on the merged result of the first daily accrued interest file and the second daily accrued interest file.

5. An interest calculation processing device, wherein, The device includes a memory storing computer-executable instructions and a processor. When the instructions are executed by the processor, the device implements the interest calculation processing method according to claim 1 or 2.

6. A computer storage medium, wherein, Instructions are stored on the computer storage medium. When the instructions run on a computer, the computer executes the interest calculation processing method according to claim 1 or 2.

7. A computer program product, wherein, Includes computer-executable instructions, and the instructions are executed by a processor to implement the interest calculation processing method according to claim 1 or 2.

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