Bank interest calculation method, device, equipment and storage medium based on daily accrual

Abstract

The present invention relates to artificial intelligence technology and discloses a bank interest calculation method based on daily accrual, comprising: obtaining daily active account transaction information and identifying multiple transaction accounts with balance changes; obtaining the number of idle accrual process resources and comparing it with the number of transaction accounts; if the number of idle accrual process resources is greater than or equal to the number of transaction accounts, performing a single interest accrual on each transaction account simultaneously; otherwise, obtaining account information for each transaction account and determining the account level of each transaction account; and selecting transaction accounts with the same number of idle accrual process resources as the number of idle accrual process resources from high to low according to account level for single interest accrual. Furthermore, the present invention relates to blockchain technology, and account information can be stored in blockchain nodes. The present invention also provides a bank interest calculation device, electronic device, and storage medium based on daily accrual. The present invention can improve the operating efficiency of a bank accrual system.

Description

Technical Field

[0001] The present invention relates to the field of artificial intelligence technology, and in particular to a bank interest calculation method, device, electronic device and computer-readable storage medium based on daytime accrual. Background Art

[0002] As people's living standards improve, more and more people choose bank savings for financial management. However, in order to provide real-time business services to bank customers and improve users' savings experience, it is necessary to make provisions for massive amounts of dynamic account information to ensure business operations.

[0003] Existing bank provisioning methods mostly rely on batch provisioning at the daily cutoff. In practice, due to the diverse product offerings and flexible business models of deposit and loan businesses, the provisioning logic is extremely complex. Furthermore, due to banks' extensive customer base and large account volume, the daily end-of-day provisioning batch processing is extremely burdensome, resulting in low efficiency in banks' provisioning systems. Summary of the Invention

[0004] The present invention provides a bank interest calculation method, device and computer-readable storage medium based on daytime accrual, the main purpose of which is to solve the problem of low efficiency of the bank's accrual system.

[0005] To achieve the above-mentioned purpose, the present invention provides a bank interest calculation method based on daytime accrual, comprising:

[0006] Obtaining intraday account transaction information, and identifying multiple transaction accounts with balance changes based on the intraday account transaction information;

[0007] Obtaining the number of idle accrual process resources, and comparing the number of idle accrual process resources with the number of transaction accounts;

[0008] If the number of idle accrual process resources is greater than or equal to the number of trading accounts, a single interest accrual is performed on each of the trading accounts simultaneously;

[0009] If the number of idle accrual process resources is less than the number of transaction accounts, obtaining account information of each transaction account, and determining the account level of each transaction account based on the account information;

[0010] Transaction accounts having the same number of idle accrual process resources as the number of idle accrual process resources are selected according to the account levels of the transaction accounts from high to low, and single interest accrual is performed on the selected transaction accounts.

[0011] Optionally, obtaining the number of idle provisioning process resources includes:

[0012] Send a communication request instruction to the resource server;

[0013] Performing a handshake connection with the resource server according to a preset communication request instruction;

[0014] Sending a resource check instruction to the resource server through the handshake link to obtain the number of idle resources on the server;

[0015] The idle resource quantity of the server is received, and the idle resource quantity of the server is converted into the idle provision process resource quantity.

[0016] Optionally, converting the number of idle resources of the server into the number of idle accrual process resources includes:

[0017] Obtaining preset single-item resource usage, classifying the single-item resource usage according to CPU, memory, hard disk, and bandwidth resource usage, and obtaining multiple single-item resource usages;

[0018] Obtaining parameters of a resource allocation algorithm for the resource server according to the single resource occupancy amount of the single provision and the number of idle resources on the server;

[0019] Configuring a resource allocation algorithm through the parameters of the resource allocation algorithm, and tentatively allocating resources according to the resource allocation algorithm to obtain a safe amount of resource usage for each single provision;

[0020] According to the wooden barrel principle, the minimum safe quantity among the safe quantities of the single resource occupancy amounts of the multiple single provisions is obtained, and the minimum safe quantity is the idle provision process resource quantity.

[0021] Optionally, the simultaneously accruing a single interest payment for each of the transaction accounts includes:

[0022] Fill in the balance table based on the final daily balance of each of the aforementioned trading accounts;

[0023] According to the balance list, the daily balances of the trading accounts during the interest accrual period are added together to obtain a cumulative total;

[0024] The accumulated product is multiplied by the daily interest rate of the trading account to obtain the accrued interest for a single interest provision on the trading account.

[0025] Optionally, obtaining the account information of each transaction account includes:

[0026] dividing the account information into account information sentences;

[0027] Segmenting the account information sentence into account information words and setting word vectors for the account information words;

[0028] An account information matrix of the account information is constructed according to the account information words, and a sentence vector of the account information sentence is obtained.

[0029] Optionally, determining the account level of each transaction account according to the account information includes:

[0030] The preset account level pool is divided into multiple customer level indicator pools from high to low according to the average daily deposit data, overdue debt records and historical storage records;

[0031] Performing text segmentation on each customer level indicator pool to obtain core words, and matrixing the core words to obtain core word codes;

[0032] Convert the core word encoding to obtain a sentence vector of the core sentence;

[0033] The sentence vector of the core sentence is matched with the sentence vector of the account information sentence, and the account level of the account in the customer level indicator pool is determined according to the matching result.

[0034] Optionally, selecting, according to the account levels of the transaction accounts from high to low, transaction accounts having the same number of idle accrual process resources as that of the idle accrual process resources includes:

[0035] Arrange the account levels of the trading accounts from high to low to obtain a level queue;

[0036] Transaction accounts having the same number of resources as the idle accrual process are selected from the hierarchical queue in a forward-to-backward order.

[0037] In order to solve the above problems, the present invention further provides a bank interest calculation device based on daytime accrual, the device comprising:

[0038] An account information acquisition module, configured to acquire intraday account transaction information and identify multiple transaction accounts with balance changes based on the intraday account transaction information;

[0039] A resource quantity comparison module is used to obtain the number of idle accrual process resources and compare the number of idle accrual process resources with the number of transaction accounts;

[0040] A first single interest accrual module, configured to simultaneously perform a single interest accrual on each of the trading accounts when the number of idle interest accrual process resources is greater than or equal to the number of the trading accounts;

[0041] an account grading module, configured to obtain account information of each trading account when the number of idle accrual process resources is less than the number of trading accounts, and determine the account grading of each trading account based on the account information;

[0042] The second single interest accrual module is configured to select, from high to low, transaction accounts having the same number of idle interest accrual process resources as the transaction accounts according to their account levels, and perform single interest accrual on the selected transaction accounts.

[0043] In order to solve the above problem, the present invention further provides an electronic device, comprising:

[0044] at least one processor; and,

[0045] a memory communicatively connected to the at least one processor; wherein,

[0046] The memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the above-mentioned bank interest calculation method based on daily accrual.

[0047] In order to solve the above problems, the present invention also provides a computer-readable storage medium, in which at least one computer program is stored. The at least one computer program is executed by a processor in an electronic device to implement the above-mentioned bank interest calculation method based on daily accrual.

[0048] The embodiment of the present invention can effectively reduce the pressure of end-of-day batch processing by simultaneously making a single interest accrual for each of the transaction accounts, break the performance bottleneck of the system, improve the settlement efficiency of the bank, and reduce the cost of expanding the system hardware; using the resource allocation algorithm to tentatively allocate resources can avoid the occurrence of deadlocks in the system process, improve the fault tolerance of the system, enhance the robustness of the system, and ensure the safe and stable operation of the system; according to the account level of the transaction account, the transaction account with the same number of resources as the idle accrual process is selected from high to low, and a single interest accrual is made for the selected transaction account, which can ensure the user experience of the high-level account, give the high-level account a greater sense of belonging, reflect the differentiation of the account, and enhance customer stickiness. Therefore, the bank interest calculation method, device, electronic device and computer-readable storage medium based on daytime accrual proposed by the present invention can solve the problem of low efficiency of the bank's accrual system. BRIEF DESCRIPTION OF THE DRAWINGS

[0049] Figure 1 A flow chart of a bank interest calculation method based on daytime accrual provided in one embodiment of the present invention;

[0050] Figure 2 A schematic diagram of a process flow for obtaining the number of idle provisioning process resources provided by an embodiment of the present invention;

[0051] Figure 3A schematic diagram of a process for converting the number of idle server resources into the number of idle provisioning process resources provided by an embodiment of the present invention;

[0052] Figure 4 This is a functional module diagram of a bank interest calculation device based on daily accrual provided by one embodiment of the present invention;

[0053] Figure 5 A schematic structural diagram of an electronic device for implementing the bank interest calculation method based on daytime accrual provided in one embodiment of the present invention.

[0054] The purpose, features and advantages of the present invention will be further described with reference to the accompanying drawings and in conjunction with the embodiments. DETAILED DESCRIPTION

[0055] It should be understood that the specific embodiments described herein are only used to explain the present invention and are not intended to limit the present invention.

[0056] The embodiment of the present application provides a bank interest calculation method based on daily accrual. The execution subject of the bank interest calculation method based on daily accrual includes but is not limited to at least one of the electronic devices such as the server, the terminal, etc. that can be configured to execute the method provided by the embodiment of the present application. In other words, the bank interest calculation method based on daily accrual can be executed by software or hardware installed on the terminal device or the server device, and the software can be a blockchain platform. The server includes but is not limited to: a single server, a server cluster, a cloud server or a cloud server cluster, etc. The server can be an independent server, or it can be a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (CDNs), and big data and artificial intelligence platforms.

[0057] Reference Figure 1 FIG. 1 is a flow chart of a bank interest calculation method based on daytime accrual provided by an embodiment of the present invention. In this embodiment, the bank interest calculation method based on daytime accrual includes:

[0058] S1. Obtaining intraday account transaction information, and identifying multiple transaction accounts with balance changes based on the intraday account transaction information;

[0059] In the embodiment of the present invention, the intraday account transaction information includes but is not limited to intra-bank transfers, inter-bank transfers, internal account transfers, etc.

[0060] In detail, the intraday account transaction information comes from the interactive front end, which can be any system that can interact with the outside world for data, such as mobile banking on the customer's mobile terminal, self-service terminals at bank branches, and internal bank employee terminals.

[0061] In an embodiment of the present invention, the step of confirming multiple transaction accounts with balance changes based on the intraday transaction information includes:

[0062] Extracting the transaction account information URL address from the intraday transaction information;

[0063] Parsing the path parameters of the transaction account information URL address;

[0064] The path parameter is used to connect to a preset database to obtain transaction account information in the preset database.

[0065] S2. Obtain the number of idle accrual process resources, and compare the number of idle accrual process resources with the number of transaction accounts;

[0066] In the embodiment of the present invention, referring to Figure 2 As shown, the method of obtaining the number of idle accrual process resources includes:

[0067] S21, sending a communication request instruction to the resource server;

[0068] S22: Perform a handshake connection with the resource server according to a preset communication request instruction;

[0069] S23. Send a resource check instruction to the resource server through the handshake link to obtain the number of idle resources on the server;

[0070] S24. Receive the number of idle resources of the server, and convert the number of idle resources of the server into the number of idle provisioning process resources.

[0071] Specifically, the resource server includes but is not limited to a database server, an application server and an intermediate server.

[0072] Specifically, the process resources include the server's CPU, memory, hard disk, and bandwidth.

[0073] In detail, the sending of the resource viewing instruction to the resource server includes but is not limited to:

[0074] Obtain the disk usage information of the resource server through the df -k command;

[0075] Obtain the overall memory usage information of the resource server through the free -m command;

[0076] Get the CPU usage information of the resource server through the top command;

[0077] The bandwidth usage information of the resource server is obtained through the iftop command.

[0078] In the embodiment of the present invention, referring to Figure 3 As shown, converting the idle resource quantity of the server into the idle accrual process resource quantity includes:

[0079] S31. Obtain preset single-item resource usage, classify the single-item resource usage according to CPU, memory, hard disk, and bandwidth resource usage, and obtain multiple single-item resource usages;

[0080] S32. Obtaining parameters of a resource allocation algorithm for the resource server based on the single resource occupancy amount of the single provision and the number of idle resources on the server;

[0081] S33. Configuring a resource allocation algorithm using the parameters of the resource allocation algorithm, and tentatively allocating resources according to the resource allocation algorithm to obtain a safe amount of resource usage for each single provision;

[0082] S34. According to the wooden barrel principle, the minimum safe quantity among the safe quantities of the single resource occupancy amounts of the plurality of items is obtained, and the minimum safe quantity is determined to be the idle accrual process resource quantity.

[0083] In detail, the tentative allocation of resources by the resource allocation algorithm includes:

[0084] Assume the resource vector Available, the maximum demand matrix Max, the allocation matrix Allocation, and the demand matrix Need. Let Request be the request vector of process Pi, and Requesti[j] = K, which means that process Pi needs K resources of type Rj. When process Pi issues a resource request, the system performs the following checks:

[0085] Step 1: If Requesti[j] ≤ Need[i, j], go to step 2, otherwise the algorithm is considered to be wrong because the number of resources required by the process has exceeded its declared maximum value;

[0086] Step 2: If Requesti[j] ≤ Available[j], go to step 3; otherwise, it means that the system does not have enough resources and process Pi must wait.

[0087] Step 3: The system tentatively allocates resources to process Pi and modifies the values in the following data structure so that:

[0088] Available[j] = Available[j]- Requesti[j];

[0089] Allocation[i,j] = Allocation[i,j]+Requesti[j];

[0090] Need[i,j] = Need[i,j]-Requesti[j];

[0091] Step 4: The system executes the security algorithm to check whether the system is in a safe state after the resource allocation;

[0092] If it is safe, the resources are allocated to process Pi to complete this allocation;

[0093] If it is not safe, the current tentative allocation will be invalidated, the original resource allocation state will be restored, and process Pi will be allowed to wait.

[0094] Specifically, the system executes a security algorithm to check whether the system is in a safe state after resource allocation, including:

[0095] Step 1. Set the following two vectors:

[0096] The work vector Work represents the number of resources that the system can provide to the process to continue running. The work vector Work contains m elements. When the security algorithm starts executing, Work = Available;

[0097] The end vector Finish indicates whether the system has enough resources to allocate to the process. The end vector Finish can ensure that the process completes its operation. When the security algorithm starts executing, the end vector Finish is first assigned a value so that Finish[i] = false. When there are enough resources to allocate to the process, Finish[i] = true.

[0098] Step 2: Find a process from the process set that meets the following conditions:

[0099] Finish[i] = false;

[0100] Need[i, j] ≤ Work[j];

[0101] If the process is found in the process set, execute step 3; otherwise, execute step 4.

[0102] Step 3: After process Pi obtains resources, it can execute smoothly until completion and release the resources allocated to it, so it should execute:

[0103] Work[j] = Work[j]+ Allocation[i, j];

[0104] Finish[i] = true;

[0105] Go to step 2;

[0106] Step 4: If the Finish[i]=true condition of all processes is met, it means that the system is in a safe state, otherwise the system is in an unsafe state.

[0107] In the embodiment of the present invention, the tentative allocation of resources through the resource allocation algorithm can avoid the occurrence of deadlock in the system process, improve the fault tolerance of the system, enhance the robustness of the system, and ensure the safe and stable operation of the system.

[0108] S3. If the number of idle accrual process resources is greater than or equal to the number of transaction accounts, then simultaneously accrue a single interest payment for each transaction account;

[0109] In an embodiment of the present invention, the step of simultaneously accruing a single interest payment for each of the transaction accounts includes:

[0110] Fill in the balance table based on the final daily balance of each of the aforementioned trading accounts;

[0111] According to the balance list, the daily balances of the trading accounts during the interest accrual period are added together to obtain a cumulative total;

[0112] The accumulated product is multiplied by the daily interest rate of the trading account to obtain the accrued interest for a single interest provision on the trading account.

[0113] In an embodiment of the present invention, accruing interest on each transaction account simultaneously can effectively reduce the pressure of end-of-day batch processing, break the performance bottleneck of the system, improve the settlement efficiency of the bank, and reduce the cost of expanding system hardware.

[0114] S4. If the number of idle accrual process resources is less than the number of transaction accounts, obtaining account information of each transaction account, and determining an account level of each transaction account based on the account information;

[0115] In an embodiment of the present invention, the account information may be user information pre-stored in the blockchain, including the user's historical transaction data, business handling status, historical defaults, and accumulated credit reports.

[0116] In an embodiment of the present invention, obtaining the account information of each transaction account includes:

[0117] dividing the account information into account information sentences;

[0118] Segmenting the account information sentence into account information words and setting word vectors for the account information words;

[0119] An account information matrix of the account information is constructed according to the account information words, and a sentence vector of the account information sentence is obtained.

[0120] Specifically, the punctuation marks in the account information may be identified by using a regular expression of a Python statement, and the account information may be segmented into account information sentences.

[0121] Furthermore, the account information sentence may be segmented into account information words using a bidirectional maximum matching algorithm.

[0122] In the embodiment of the present invention, an account information matrix of the account information may be constructed using a text matrixing tool.

[0123] In detail, the text matrixing tool can be the sklearn library, which is a very powerful machine learning library provided by a third party in Python. It can easily convert individual information words into numbers, thereby converting the account information into an account information matrix, which is convenient for computer processing.

[0124] In an embodiment of the present invention, determining the account level of each transaction account according to the account information includes:

[0125] The preset account level pool is divided into multiple customer level indicator pools from high to low according to the average daily deposit data, overdue debt records and historical storage records;

[0126] Performing text segmentation on each customer level indicator pool to obtain core words, and matrixing the core words to obtain core word codes;

[0127] Convert the core word encoding to obtain a sentence vector of the core sentence;

[0128] The sentence vector of the core sentence is matched with the sentence vector of the account information sentence, and the account level of the account in the customer level indicator pool is determined according to the matching result.

[0129] Specifically, the preset account level pool is divided into multiple customer levels from high to low according to the average daily deposit data, overdue debt records and historical storage records, including:

[0130] Customers with no overdue balances and an average daily deposit of RMB 5 million or more will be classified as private banking customers;

[0131] Customers with no overdue balances and an average daily deposit amount of less than 5 million yuan but 1 million yuan or more will be classified as diamond customers;

[0132] Customers with no overdue balances and an average daily deposit amount of less than 1 million yuan but 500,000 yuan or more will be classified as black gold customers;

[0133] Customers with no overdue balances and an average daily deposit amount of less than 500,000 yuan but 300,000 yuan or more will be classified as platinum customers;

[0134] Customers with no overdue balances and an average daily deposit of less than 300,000 yuan but 100,000 yuan or more will be classified as gold card customers;

[0135] Customers with no overdue balances and an average daily deposit amount of less than RMB 100,000 are classified as ordinary customers;

[0136] Customers with overdue payment records who are listed as credit denial customers by banks are classified as blacklisted customers.

[0137] In the embodiment of the present invention, determining the account level of each transaction account based on the account information can quickly determine the account priority when the system is busy, avoid affecting important transactions, and reduce performance losses caused by insufficient performance.

[0138] S5. Selecting transaction accounts with the same number of idle accrual process resources as the idle accrual process resources according to the account levels of the transaction accounts from high to low, and performing single interest accrual on the selected transaction accounts.

[0139] In an embodiment of the present invention, selecting, according to the account levels of the transaction accounts from high to low, the transaction accounts having the same number of idle accrual process resources as the idle accrual process resources includes:

[0140] Arrange the account levels of the trading accounts from high to low to obtain a level queue;

[0141] Transaction accounts having the same number of resources as the idle accrual process are selected from the hierarchical queue in a forward-to-backward order.

[0142] Specifically, the step of obtaining the number of idle accrual process resources is consistent with the step of obtaining the number of idle accrual process resources in the above S2.

[0143] Specifically, the step of making a single interest accrual for the selected transaction account is consistent with the step of making a single interest accrual in the above S3.

[0144] In an embodiment of the present invention, transaction accounts with the same number of idle accrual process resources are selected from high to low according to the account levels of the transaction accounts, and single interest accrual is performed on the selected transaction accounts. This can ensure the user experience of high-level accounts, give high-level accounts a greater sense of belonging, reflect account differentiation, and enhance customer stickiness.

[0145] The embodiment of the present invention can effectively reduce the pressure of end-of-day batch processing by simultaneously making a single interest accrual for each of the transaction accounts, break the performance bottleneck of the system, improve the settlement efficiency of the bank, and reduce the cost of expanding the system hardware; using the resource allocation algorithm to tentatively allocate resources can avoid the occurrence of deadlocks in the system process, improve the fault tolerance of the system, enhance the robustness of the system, and ensure the safe and stable operation of the system; according to the account level of the transaction account, the transaction account with the same number of resources as the idle accrual process is selected from high to low, and a single interest accrual is made for the selected transaction account, which can ensure the user experience of the high-level account, give the high-level account a greater sense of belonging, reflect the differentiation of the account, and enhance customer stickiness. Therefore, the bank interest calculation method, device, electronic device and computer-readable storage medium based on daytime accrual proposed by the present invention can solve the problem of low efficiency of the bank's accrual system.

[0146] like Figure 4 1 is a functional module diagram of a bank interest calculation device based on daytime accrual provided by an embodiment of the present invention.

[0147] The bank interest calculation device 100 based on daily accrual described in the present invention can be installed in an electronic device. Depending on the functionality implemented, the bank interest calculation device 100 based on daily accrual can include an account information acquisition module 101, a resource quantity comparison module 102, a first single accrual module 103, an account level classification module 104, and a second single accrual module 105. A module, also referred to as a unit, is a series of computer program segments that can be executed by an electronic device processor and perform a fixed function, and is stored in the electronic device's memory.

[0148] In this embodiment, the functions of each module / unit are as follows:

[0149] The account information acquisition module 101 is used to acquire intraday account transaction information and identify multiple transaction accounts with balance changes based on the intraday account transaction information;

[0150] The resource quantity comparison module 102 is used to obtain the number of idle accrual process resources and compare the number of idle accrual process resources with the number of transaction accounts;

[0151] The first single interest accrual module 103 is configured to simultaneously accrue a single interest payment to each of the trading accounts when the number of idle interest accrual process resources is greater than or equal to the number of trading accounts;

[0152] The account level classification module 104 is configured to obtain account information of each trading account when the number of idle accrual process resources is less than the number of trading accounts, and determine the account level of each trading account based on the account information;

[0153] The second single interest accrual module 105 is configured to select, from high to low, transaction accounts having the same number of idle interest accrual process resources as the transaction accounts according to their account levels, and perform single interest accrual on the selected transaction accounts.

[0154] In detail, each module in the bank interest calculation device 100 based on daytime accrual in the embodiment of the present invention adopts the same method as above when in use. Figures 1 to 3 The technical means are the same as the bank interest calculation method based on daily accrual described in, and can produce the same technical effects, so I will not go into details here.

[0155] like Figure 5 1 is a schematic diagram of the structure of an electronic device for implementing a bank interest calculation method based on daytime accrual provided by an embodiment of the present invention.

[0156] The electronic device 1 may include a processor 10, a memory 11, a communication bus 12 and a communication interface 13, and may also include a computer program stored in the memory 11 and executable on the processor 10, such as a bank interest calculation program based on daily accruals.

[0157] In some embodiments, the processor 10 may be composed of an integrated circuit, such as a single packaged integrated circuit or a plurality of packaged integrated circuits with the same or different functions, including one or more central processing units (CPUs), microprocessors, digital processing chips, graphics processors, and a combination of various control chips. The processor 10 is the control core (Control Unit) of the electronic device, connecting the various components of the entire electronic device using various interfaces and circuits. It executes or executes programs or modules stored in the memory 11 (such as executing a bank interest calculation program based on daily accruals) and calls data stored in the memory 11 to perform various functions of the electronic device and process data.

[0158] The memory 11 includes at least one type of readable storage medium, including a flash memory, a mobile hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory), a magnetic memory, a magnetic disk, an optical disk, etc. In some embodiments, the memory 11 may be an internal storage unit of an electronic device, such as a mobile hard disk of the electronic device. In other embodiments, the memory 11 may also be an external storage device of the electronic device, such as a plug-in mobile hard disk, a smart memory card (SMC), a secure digital (SD) card, a flash card, etc. equipped on the electronic device. Furthermore, the memory 11 may include both an internal storage unit and an external storage device of the electronic device. The memory 11 can be used not only to store application software and various types of data installed in the electronic device, such as the code of a bank interest calculation program based on daily accruals, but also to temporarily store data that has been output or is to be output.

[0159] The communication bus 12 may be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus. This bus may be divided into an address bus, a data bus, a control bus, etc. The bus is configured to enable communication between the memory 11 and at least one processor 10, etc.

[0160] The communication interface 13 is used for communication between the above-mentioned electronic device and other devices, and includes a network interface and a user interface. Optionally, the network interface may include a wired interface and / or a wireless interface (such as a WI-FI interface, a Bluetooth interface, etc.), which is generally used to establish a communication connection between the electronic device and other electronic devices. The user interface may be a display (Display), an input unit (such as a keyboard (Keyboard)), and optionally, the user interface may also be a standard wired interface or a wireless interface. Optionally, in some embodiments, the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, and an OLED (Organic Light-Emitting Diode) touch device, etc. Among them, the display may also be appropriately referred to as a display screen or a display unit, which is used to display information processed in the electronic device and to display a visual user interface.

[0161] The figure only shows an electronic device with components. Those skilled in the art will understand that the structure shown in the figure does not constitute a limitation on the electronic device, and may include fewer or more components than shown in the figure, or combine certain components, or arrange the components differently.

[0162] For example, although not shown, the electronic device may further include a power source (e.g., a battery) to power various components. Preferably, the power source may be logically connected to the at least one processor 10 via a power management device, thereby enabling functions such as charge management, discharge management, and power consumption management via the power management device. The power source may further include any of one or more DC or AC power sources, a recharging device, a power failure detection circuit, a power converter or inverter, a power status indicator, and the like. The electronic device may also include various sensors, Bluetooth modules, Wi-Fi modules, and the like, which are not further detailed here.

[0163] It should be understood that the embodiment is for illustration only and the scope of the patent application is not limited to this structure.

[0164] The bank interest calculation program based on daily accrual stored in the memory 11 of the electronic device 1 is a combination of multiple instructions. When executed in the processor 10, it can achieve the following:

[0165] Obtaining intraday account transaction information, and identifying multiple transaction accounts with balance changes based on the intraday account transaction information;

[0166] Obtaining the number of idle accrual process resources, and comparing the number of idle accrual process resources with the number of transaction accounts;

[0167] If the number of idle accrual process resources is greater than or equal to the number of trading accounts, a single interest accrual is performed on each of the trading accounts simultaneously;

[0168] If the number of idle accrual process resources is less than the number of transaction accounts, obtaining account information of each transaction account, and determining the account level of each transaction account based on the account information;

[0169] Transaction accounts having the same number of idle accrual process resources as the number of idle accrual process resources are selected according to the account levels of the transaction accounts from high to low, and single interest accrual is performed on the selected transaction accounts.

[0170] Specifically, the specific implementation method of the processor 10 for the above instructions can refer to the description of the relevant steps in the corresponding embodiment of the accompanying drawings, which will not be repeated here.

[0171] Furthermore, if the modules / units integrated into the electronic device 1 are implemented as software functional units and sold or used as independent products, they may be stored in a computer-readable storage medium. The computer-readable storage medium may be volatile or non-volatile. For example, the computer-readable medium may include any entity or device capable of carrying the computer program code, a recording medium, a USB flash drive, a mobile hard drive, a magnetic disk, an optical disk, a computer memory, or a read-only memory (ROM).

[0172] The present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program. When the computer program is executed by a processor of an electronic device, the computer program can implement:

[0173] Obtaining intraday account transaction information, and identifying multiple transaction accounts with balance changes based on the intraday account transaction information;

[0174] Obtaining the number of idle accrual process resources, and comparing the number of idle accrual process resources with the number of transaction accounts;

[0175] If the number of idle accrual process resources is greater than or equal to the number of trading accounts, a single interest accrual is performed on each of the trading accounts simultaneously;

[0176] If the number of idle accrual process resources is less than the number of transaction accounts, obtaining account information of each transaction account, and determining the account level of each transaction account based on the account information;

[0177] Transaction accounts having the same number of idle accrual process resources as the number of idle accrual process resources are selected according to the account levels of the transaction accounts from high to low, and single interest accrual is performed on the selected transaction accounts.

[0178] In the several embodiments provided by the present invention, it should be understood that the disclosed devices, apparatuses, and methods can be implemented in other ways. For example, the device embodiments described above are merely illustrative. For example, the module division is merely a logical function division, and other division methods may be used in actual implementation.

[0179] The modules described as separate components may or may not be physically separate, and the components shown as modules may or may not be physical units, that is, they may be located in one place or distributed across multiple network elements. Some or all of the modules may be selected to achieve the purpose of the solution of this embodiment according to actual needs.

[0180] In addition, the functional modules in various embodiments of the present invention may be integrated into a single processing unit, each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or hardware plus software functional modules.

[0181] It will be apparent to those skilled in the art that the present invention is not limited to the details of the exemplary embodiments described above, and that the present invention can be implemented in other specific forms without departing from the spirit or essential characteristics of the present invention.

[0182] Therefore, the embodiments should be considered in all respects as illustrative and non-restrictive, and the scope of the invention is defined by the appended claims rather than the foregoing description, and all changes that come within the meaning and range of equivalents of the claims are intended to be embraced therein. Any reference to a figure in a claim should not be construed as limiting the claim to which it relates.

[0183] Blockchain, as used in this article, refers to a novel application model for computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanisms, and encryption algorithms. Blockchain is essentially a decentralized database, a series of data blocks generated using cryptographic methods. Each block contains information about a batch of online transactions, used to verify the validity of this information (to prevent counterfeiting) and generate the next block. Blockchain can include the underlying blockchain platform, the platform product service layer, and the application service layer.

[0184] The embodiments of the present application can acquire and process relevant data based on artificial intelligence technology. Artificial intelligence (AI) refers to the theories, methods, techniques, and application systems that use digital computers or machines controlled by digital computers to simulate, extend, and expand human intelligence, perceive the environment, acquire knowledge, and use that knowledge to achieve optimal results.

[0185] Furthermore, it is clear that the word "comprising" does not exclude other units or steps, and the singular does not exclude the plural. Multiple units or devices recited in a system claim may also be implemented by a single unit or device through software or hardware. Terms such as "first" and "second" are used to indicate names and do not imply any particular order.

[0186] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention and are not limiting. Although the present invention has been described in detail with reference to the preferred embodiments, those skilled in the art should understand that the technical solutions of the present invention may be modified or replaced by equivalents without departing from the spirit and scope of the technical solutions of the present invention.

Claims

1. A bank interest calculation method based on daily accrual, characterized in that: The method comprises: Obtaining intraday account transaction information, and identifying multiple transaction accounts with balance changes based on the intraday account transaction information; Send a communication request instruction to the resource server, and perform a handshake link with the resource server according to the preset communication request instruction; Sending a resource check instruction to the resource server through the handshake link to obtain the number of idle resources on the server; Receiving the idle resource quantity of the server, and converting the idle resource quantity of the server into the idle provision process resource quantity; Comparing the number of idle accrual process resources with the number of transaction accounts; If the number of idle accrual process resources is greater than or equal to the number of trading accounts, a single interest accrual is performed on each of the trading accounts simultaneously; If the number of idle accrual process resources is less than the number of transaction accounts, obtaining account information of each transaction account, and determining the account level of each transaction account based on the account information; Transaction accounts having the same number of idle accrual process resources as the number of idle accrual process resources are selected according to the account levels of the transaction accounts from high to low, and single interest accrual is performed on the selected transaction accounts.

2. The bank interest calculation method based on daily accrual as claimed in claim 1, characterized in that: The converting the idle resource quantity of the server into the idle provision process resource quantity includes: Obtaining preset single-item resource usage, classifying the single-item resource usage according to CPU, memory, hard disk, and bandwidth resource usage, and obtaining multiple single-item resource usages; Obtaining parameters of a resource allocation algorithm for the resource server according to the single resource occupancy amount of the single provision and the number of idle resources on the server; Configuring a resource allocation algorithm through the parameters of the resource allocation algorithm, and tentatively allocating resources according to the resource allocation algorithm to obtain a safe amount of resource usage for each single provision; According to the wooden barrel principle, the minimum safe quantity among the safe quantities of the single resource occupancy amounts of the multiple single provisions is obtained, and the minimum safe quantity is the idle provision process resource quantity.

3. The bank interest calculation method based on daytime accrual as claimed in claim 1, characterized in that: The simultaneous accrual of interest on each of the trading accounts includes: Fill in the balance table based on the final daily balance of each of the aforementioned trading accounts; According to the balance list, the daily balances of the trading accounts during the interest accrual period are added together to obtain a cumulative total; The accumulated product is multiplied by the daily interest rate of the trading account to obtain the accrued interest for a single interest provision on the trading account.

4. The bank interest calculation method based on daytime accrual as claimed in claim 1, characterized in that: The obtaining of account information of each transaction account includes: dividing the account information into account information sentences; Segmenting the account information sentence into account information words and setting word vectors for the account information words; An account information matrix of the account information is constructed according to the account information words, and a sentence vector of the account information sentence is obtained.

5. The bank interest calculation method based on daytime accrual as claimed in claim 1, characterized in that: Determining the account level of each transaction account according to the account information includes: The preset account level pool is divided into multiple customer level indicator pools from high to low according to the average daily deposit data, overdue debt records and historical storage records; Performing text segmentation on each customer level indicator pool to obtain core words, and matrixing the core words to obtain core word codes; Convert the core word encoding to obtain a sentence vector of the core sentence; The sentence vector of the core sentence is matched with the sentence vector of the account information sentence, and the account level of the account in the customer level indicator pool is determined according to the matching result.

6. The bank interest calculation method based on daytime accrual as claimed in any one of claims 1 to 5, characterized in that: The selecting, from high to low account levels of the transaction accounts, transaction accounts having the same number of idle accrual process resources as the idle accrual process resources includes: Arrange the account levels of the trading accounts from high to low to obtain a level queue; Transaction accounts having the same number of resources as the idle accrual process are selected from the hierarchical queue in a forward-to-backward order.

7. A bank interest calculation device based on daytime accrual, used to implement the bank interest calculation method based on daytime accrual as claimed in any one of claims 1 to 6, characterized in that: The device comprises: An account information acquisition module, configured to acquire intraday account transaction information and identify multiple transaction accounts with balance changes based on the intraday account transaction information; A resource quantity comparison module is used to obtain the number of idle accrual process resources and compare the number of idle accrual process resources with the number of transaction accounts; A first single interest accrual module, configured to simultaneously perform a single interest accrual on each of the trading accounts when the number of idle interest accrual process resources is greater than or equal to the number of the trading accounts; an account grading module, configured to obtain account information of each trading account when the number of idle accrual process resources is less than the number of trading accounts, and determine the account grading of each trading account based on the account information; The second single interest accrual module is configured to select, from high to low, transaction accounts having the same number of idle interest accrual process resources as the transaction accounts according to their account levels, and perform single interest accrual on the selected transaction accounts.

8. An electronic device, characterized in that: The electronic device comprises: at least one processor; and, a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the bank interest calculation method based on daily accrual as described in any one of claims 1 to 6.

9. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the bank interest calculation method based on daily accrual as described in any one of claims 1 to 6 is implemented.

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