A method, apparatus, device, and computer storage medium for real-time interest settlement.

Abstract

This application discloses a real-time interest settlement method, apparatus, device, and computer storage medium. The method includes: in response to a user's confirmation of the end of a first transaction, acquiring transaction data and transaction duration of the first transaction; registering the transaction data in a sub-registration book of the first transaction; determining the interest payable for the first transaction based on the transaction data and transaction duration; determining whether the balance of the interest register is greater than or equal to the interest payable; if the balance is greater than or equal to the interest payable, settling the interest based on the interest payable through the interest register; if the balance is less than the interest payable, determining the current account interest based on the transaction data and the current time, and settling the interest based on the current account interest and the balance. According to the embodiments of this application, interest can be settled in real time when a user's transaction ends, providing convenience for user transactions.

Description

Technical Field

[0001] This application belongs to the field of information technology, and in particular relates to a real-time interest settlement method, apparatus, device and computer storage medium. Background Technology

[0002] Recently, in order to connect with the financial system, achieve information sharing, and ensure transaction security, a register account system has been established.

[0003] However, during use, it was found that because bank current account settlements are based on preset cycles, short-term transactions often end before the preset settlement cycle is reached, resulting in delayed interest settlement. This leads to the problem of interest not being able to be transferred out upon transaction completion. Currently, for this issue, users can only process refunds manually at bank counters, causing inconvenience. Summary of the Invention

[0004] This application provides a real-time interest settlement method, apparatus, device, and computer storage medium, which can settle interest in real time at the end of a user's transaction, providing convenience for user transactions.

[0005] On one hand, embodiments of this application provide a real-time interest settlement method, including:

[0006] In response to the user's first input confirming the end of the first transaction, the transaction data and transaction duration of the first transaction are obtained; the transaction data is registered in the sub-registration book of the first transaction;

[0007] Based on the transaction data and the transaction duration, determine the interest payable for the first transaction;

[0008] Determine whether the balance of the interest register is greater than or equal to the accrued interest;

[0009] If the balance is greater than or equal to the accrued interest, interest shall be settled through the interest register based on the accrued interest.

[0010] If the balance is less than the interest due, the current account interest is determined based on the transaction data and the current time, and the interest is settled based on the current account interest and the balance.

[0011] In one possible implementation, before obtaining the transaction data and duration of the first transaction in response to the user's first input confirming the end of the first transaction, the method further includes:

[0012] In response to the second input from the user's subscription, an interest register is established for the user to record interest.

[0013] In response to the user's confirmation of the start of the first transaction via a third input, the transaction data is registered in the sub-registration.

[0014] In one possible implementation, after establishing an interest register for the user in response to the second input of the user's subscription, the method further includes:

[0015] Obtain the interest accrual start time and current account interest settlement cycle of the registered transaction data;

[0016] The current account interest settlement time of the transaction data is determined based on the interest accrual start time and the current account interest settlement cycle;

[0017] If the current time is the interest settlement time for the current account, the phase interest is determined based on the transaction data;

[0018] The interest for that stage shall be transferred to the sub-registry;

[0019] Update the balance of the sub-registry.

[0020] In one possible implementation, the transaction duration of the first transaction is not a multiple of the current account settlement cycle; before determining the accrued interest of the first transaction based on the transaction data and the transaction duration, the method further includes:

[0021] If the current time is the current deposit interest settlement time, interest will be settled according to the preset current deposit settlement method of the first transaction.

[0022] In one possible implementation, after the first input confirming the end of the first transaction by the user, the method further includes:

[0023] Obtain the user's refund account;

[0024] The transaction data is transferred from the sub-registration to the refund account.

[0025] On the other hand, embodiments of this application also provide a real-time interest settlement device, the device comprising:

[0026] The acquisition module is used to acquire the transaction data and transaction duration of the first transaction in response to the user's first input confirming the end of the first transaction; the transaction data is registered in the sub-registration book of the first transaction;

[0027] The determining module is used to determine the interest payable for the first transaction based on the transaction data and the transaction duration;

[0028] The judgment module is used to determine whether the balance of the interest register is greater than or equal to the interest due.

[0029] The first interest settlement module is used to settle interest from the interest register according to the interest due when the balance is greater than or equal to the interest due.

[0030] The second interest settlement module is used to determine the current account interest based on the transaction data and the current time when the balance is less than the interest due, and to settle the interest based on the current account interest.

[0031] In another aspect, embodiments of this application provide a real-time interest settlement device, the device comprising: a processor and a memory storing computer program instructions;

[0032] When the processor executes the computer program instructions, it implements the real-time interest settlement method as described in any of the above.

[0033] In another aspect, embodiments of this application provide a computer-readable storage medium storing computer program instructions, which, when executed by a processor, implement the real-time interest settlement method as described in any of the preceding claims.

[0034] In another aspect, embodiments of this application provide a computer program product in which instructions, when executed by a processor of an electronic device, cause the electronic device to perform the real-time interest settlement method as described in any of the preceding claims.

[0035] The real-time interest settlement method, apparatus, device, and computer storage medium of this application calculate the interest due at the end of a user's transaction and refund the outstanding interest based on the balance in the interest register. This achieves real-time interest settlement at the end of the transaction, avoiding the manual work of calculating, settling, and transferring interest at the counter. Furthermore, it can automatically create an interest register for recording interest when the user signs up and automatically create a sub-registration for recording transaction data when the user makes a transaction, providing convenience for user transactions. Attached Figure Description

[0036] To more clearly illustrate the technical solutions of the embodiments of this application, the accompanying drawings used in the embodiments of this application will be briefly introduced below. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0037] Figure 1 This is a flowchart illustrating the real-time interest settlement method provided in the embodiments of this application;

[0038] Figure 2 This is a schematic diagram of the structure of the real-time interest settlement device provided in the embodiments of this application;

[0039] Figure 3This is a schematic diagram of the structure of the real-time interest settlement device provided in the embodiments of this application. Detailed Implementation

[0040] The features and exemplary embodiments of various aspects of this application will be described in detail below. To make the objectives, technical solutions, and advantages of this application clearer, the application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain this application and not to limit it. For those skilled in the art, this application can be implemented without some of these specific details. The following description of the embodiments is merely to provide a better understanding of this application by illustrating examples.

[0041] It should be noted that, in this document, relational terms such as "first" and "second" are used merely to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising..." does not exclude the presence of additional identical elements in the process, method, article, or apparatus that includes said element.

[0042] The acquisition, storage, use, and processing of data in this application all comply with the relevant provisions of national laws and regulations.

[0043] Currently, in the register account system, the inability to settle interest on short-term transactions in a timely manner mainly falls into the following two categories:

[0044] 1. The transaction was completed before the interest settlement date;

[0045] Second, when the transaction is closed, the interest accrued after the interest settlement date cannot be determined.

[0046] In either of these two situations, users can only settle interest manually at the bank counter, which causes inconvenience to them.

[0047] Based on this, the inventors propose a real-time interest settlement method, apparatus, device, and computer storage medium. This method calculates the accrued interest at the end of a user's transaction and refunds the outstanding interest based on the balance in the interest register. This achieves real-time interest settlement at the end of the transaction, avoiding the manual work of calculating, settling, and transferring interest at the counter. Furthermore, it can automatically create an interest register for recording interest when the user signs up, and automatically create a sub-registration for recording transaction data during the user's transaction, providing convenience for user transactions.

[0048] To address the problems of the prior art, embodiments of this application provide a real-time interest settlement method, apparatus, device, and computer storage medium. The real-time interest settlement method provided in this application embodiment will be described first below.

[0049] Figure 1 A flowchart illustrating the real-time interest settlement method provided in an embodiment of this application is shown. Figure 1 As shown, the real-time interest settlement method provided in this application embodiment includes the following steps: S101 to S105.

[0050] S101, in response to the user's first input confirming the end of the first transaction, obtain the transaction data and transaction duration of the first transaction;

[0051] As one implementation of S101, in response to the user's first input confirming the end of the first transaction, the system searches the database used to store transaction data based on the first input to obtain the transaction data and transaction duration of the first transaction.

[0052] In one example, transaction data is recorded in a sub-registry of the first transaction. The sub-registry corresponds to the interest register, which in turn corresponds to the user. In this application, transaction data and the interest generated by that transaction data are recorded in separate registers; the sub-registry is used to record the user's transaction data, and the interest register is used to record the interest generated by that transaction data.

[0053] In one example, the user confirms the completion of the first transaction through a user terminal. The user terminal can be a computer, mobile phone, or other input-enabled device. The first input can be text, voice, options, or other information entered by the user on the user terminal.

[0054] In one example, the interest register is a virtual register, and the sub-registration is the actual register. The user is the one who transfers transaction data to the sub-registration, i.e., the owner of the transaction data.

[0055] In one possible implementation, to ensure the security of real-time interest settlement for users, security verification can be performed before S101.

[0056] In one example, before the user confirms the end of the first transaction with their initial input, the user needs to log in to their terminal. During login, the user needs to enter their username and password. The terminal will only accept the user's initial input to confirm the end of the first transaction if the username and password match. If the username and password do not match, the terminal will display "Login failed."

[0057] To further enhance user account security, if a user's username and password do not match more than a preset threshold within a predetermined time period, the account will be locked. The lock duration is determined by the number of times the username and password do not match; the more times the username and password do not match, the longer the lock duration.

[0058] If the number of times a user's account and password do not match exceeds a preset upper limit, the account is determined to be an abnormal account and added to the blacklist.

[0059] S102, Determine the interest payable for the first transaction based on the transaction data and transaction duration;

[0060] As one implementation of S102, since the interest rate changes in real time according to market conditions, when calculating the accrued interest of the transaction data, the interest rate at which the first transaction was transferred to the sub-registration is first found based on the transaction number of the first transaction. Then, the transaction duration of the first transaction is determined up to the current time based on the current time and the time when the first transaction was transferred to the sub-registration. Finally, the accrued interest of the first transaction is determined based on the transaction duration and the interest rate.

[0061] In practice, the interest payable on the first transaction was determined according to the calculation rules at the time.

[0062] In one example, interest is calculated based on a unit time period, but the unsettled interest from previous periods is recorded in the interest register on the interest settlement date.

[0063] In another example, interest accrued within a current account interest settlement period is only recorded if the current account interest settlement period meets the multiple requirements. Interest accrued outside of the current account interest settlement period is not settled.

[0064] In one possible implementation, the interest rate needs to be determined before determining the interest payable on the first transaction.

[0065] In one example, the interest rate at the time the first transaction ended is obtained.

[0066] In one example, the interest rate at that time is obtained based on the start time of the first transaction.

[0067] In one example, based on the start time and end time of the first transaction, the interest rate at the start of the first transaction and the interest rate at the end of the first transaction are obtained, and the interest rate is determined based on the average of the interest rates at the start and end of the first transaction.

[0068] S103, determine whether the balance of the interest register is greater than or equal to the interest due;

[0069] As one implementation of S103, the balance of the interest register is obtained, and the balance of the interest register is compared with the interest due. The balance of the interest register represents the interest already settled, while the interest due is the total interest due for the entire transaction process of the first transaction.

[0070] S104. If the balance is greater than or equal to the accrued interest, interest shall be settled through the interest register based on the accrued interest.

[0071] As one implementation of S104, if the balance is greater than or equal to the accrued interest, it indicates that there is sufficient refundable amount registered in the interest register. There is no need to make another payment to the user from the internal account of the financial system. The accrued interest can be settled directly through the interest register, that is, the accrued interest is transferred to the user's receiving account.

[0072] S105: If the balance is less than the interest due, determine the current account interest based on the transaction data and the current time, and settle the interest based on the current account interest and the balance.

[0073] As one implementation of S105, if the balance is less than the interest due, it indicates that there is not enough refundable amount in the interest register. In this case, the current account interest is determined based on the transaction data and the current time, and the interest is settled based on the current account interest and the balance.

[0074] In one example, when the first transaction ends, if the transaction duration is less than the current account settlement period and the interest register has no recorded balance, the current account interest is determined directly based on the transaction data and the current time, and a refund is issued to the user's refund account.

[0075] In another example, when the first transaction ends, if the transaction duration of the first transaction is longer than the current account settlement period, and the interest settlement register shows a balance, then the current account interest is determined based on the transaction data and the remaining unsettled transaction duration. Finally, a refund is issued to the user's refund account based on the balance and the current account interest.

[0076] The above only illustrates the scenario where a user's interest register is associated with only one sub-register. In practice, it's possible for a user's interest register to be associated with multiple sub-registers. In this case, the interest register records the settled interest from the user's multiple sub-registers. When a user's transaction ends, interest can still be settled in real-time using the method described above, which will not be elaborated further here. Recording user transaction data and the interest generated by that data in separate registers facilitates interest management and reduces manual intervention.

[0077] In one example, each user generates interest-bearing transactions associated with different sub-registries.

[0078] In one example, a user's transactions that generate interest are associated with the same sub-registry.

[0079] In one example, a user generates interest on the same type of transaction associated with the same sub-registry.

[0080] In one example, a user generates interest transactions, and transactions with the same interest rate are associated with the same sub-registry.

[0081] The real-time interest settlement method of this application calculates the interest due at the end of the user's transaction and refunds the interest based on the balance of the interest register and the interest due. This achieves real-time interest settlement at the end of the transaction, avoiding the work of manual interest calculation, settlement and transfer at the counter, and providing convenience for user transactions.

[0082] In one possible implementation, to facilitate real-time interest settlement, before obtaining the transaction data and duration of the first transaction in response to the user's first input confirming the end of the first transaction, the method may further include:

[0083] In response to the second input from the user's agreement, an interest register is created for the user to record interest.

[0084] As one possible implementation, in response to the second input from the user's contract, an interest register associated with the user and used for recording interest is established based on the user's user information.

[0085] In one example, the second input is the user's confirmation of opening an account in the financial system.

[0086] In response to the user's third input confirming the start of the first transaction, the transaction data is recorded in the sub-registration.

[0087] As one possible implementation, in response to the third input confirming the start of the first transaction by the user, a sub-registration associated with the interest register is created based on the user's user information, and the transaction data is registered in the sub-registration.

[0088] As a result, an interest register and a sub-register for registering transaction data were established to facilitate interest settlement at the due date and in real time.

[0089] In one possible implementation, to facilitate real-time interest settlement, after establishing an interest register for the user to record interest in response to the second input from the user's contract, the method may further include:

[0090] The start time for interest calculation and the current account interest settlement cycle for obtaining registered transaction data;

[0091] As one possible implementation, the database is searched based on the transaction number of the first transaction to obtain the interest calculation start time and current account interest settlement cycle of the registered transaction data.

[0092] The current account interest settlement time of transaction data is determined based on the interest accrual start time and the current account interest settlement cycle.

[0093] As one possible implementation, the current account interest settlement time of the transaction data is calculated based on the interest accrual start time and the multiple of the current account interest settlement period, and the current account interest settlement time after the current time is removed.

[0094] Given that the current time is the interest settlement period for demand deposits, the phase interest is determined based on transaction data;

[0095] Transfer the phase interest to the sub-registry;

[0096] Update the balance of the sub-registry.

[0097] In one example, the balance of the register and each update are stored in a database for easy reconciliation later.

[0098] Therefore, if the interest accrual period of the transaction data meets the current account interest settlement cycle, the interest will be transferred to the sub-registration in a timely manner.

[0099] In one possible implementation, the transaction duration of the first transaction is not a multiple of the current account settlement cycle; before determining the accrued interest for the first transaction based on the transaction data and transaction duration, the method also includes:

[0100] If the current time is the current deposit interest settlement time, interest will be settled according to the preset current deposit settlement method of the first transaction.

[0101] Therefore, if the current time is the current deposit interest settlement time, no real-time interest settlement will be carried out; instead, interest will be settled according to the existing current deposit settlement method.

[0102] In one possible implementation, to promptly return the transaction data to the user upon completion of the transaction, the method further includes, in response to the user's first input confirming the end of the first transaction:

[0103] Obtain the user's refund account;

[0104] In one possible implementation, the associated account is searched based on the user's user information, and the associated account is displayed on the user's terminal. Finally, the refund account is determined based on the user's selection of the associated account.

[0105] In one example, the refund account is the user's card number, mobile phone number, or third-party payment account.

[0106] Transfer the transaction data from the sub-registry to the refund account.

[0107] Therefore, transaction data is promptly returned to the user at the end of the transaction.

[0108] In one possible implementation, interest settlement processing will fail when there is a network failure or database anomaly. After the system recovers, a second interest settlement process is required for the failed transactions to ensure successful interest settlement.

[0109] In one example, when the server that processes interest settlement begins the interest settlement process, it first locks the relevant data for that interest settlement transaction.

[0110] If an anomaly occurs during the interest settlement process, the relevant data for that interest settlement transaction will be stored in the anomaly database.

[0111] After the system returns to normal, the server retrieves the relevant data for interest settlement from the abnormal database and processes the interest settlement.

[0112] After the interest settlement process is completed, the relevant data for the interest settlement business is unlocked, and the relevant data in the abnormal database is deleted.

[0113] This prevents users' interest settlement business from being disrupted due to network failures, database anomalies, or other issues. By locking the relevant data for interest settlement processing, data errors are prevented in the event of anomalies, thus reducing the error rate of institutions processing interest settlements.

[0114] In conjunction with the real-time interest settlement method in the above embodiments, this application also provides a real-time interest settlement device. Figure 2 A schematic diagram of the structure of the real-time interest settlement device provided in an embodiment of this application is shown, as follows: Figure 2 As shown, the real-time interest settlement device 200 includes:

[0115] The acquisition module 201 is used to acquire the transaction data and transaction duration of the first transaction in response to the user's first input confirming the end of the first transaction; the transaction data is registered in the sub-registration book of the first transaction;

[0116] Module 202 is used to determine the interest payable for the first transaction based on the transaction data and transaction duration.

[0117] The judgment module 203 is used to determine whether the balance of the interest register is greater than or equal to the interest due.

[0118] The first interest settlement module 204 is used to settle interest from the interest register when the balance is greater than or equal to the interest due.

[0119] The second interest settlement module 205 is used to determine the current account interest based on transaction data and the current time when the balance is less than the interest due, and to settle the interest based on the current account interest.

[0120] The real-time interest settlement device of this application calculates the interest due at the end of the user's transaction and refunds the interest based on the balance of the interest register and the interest due. This achieves real-time interest settlement at the end of the transaction, avoiding the work of manual interest calculation, settlement and transfer at the counter, and providing convenience for user transactions.

[0121] In one possible implementation, to facilitate real-time interest settlement, before acquiring the transaction data and duration of the first transaction in response to the user's first input confirming the end of the first transaction, the real-time interest settlement device 200 of this application embodiment may further include:

[0122] The interest register creation module is used to create an interest register for the user to record interest in response to the second input of the user's contract.

[0123] The transaction data registration module is used to register the transaction data in the sub-registration book in response to the user's confirmation of the start of the first transaction.

[0124] As a result, an interest register and a sub-register for registering transaction data were established to facilitate interest settlement at the due date and in real time.

[0125] In one possible implementation, to facilitate real-time interest settlement, after establishing an interest register for the user to record interest in response to the second input of the user's contract, the real-time interest settlement device 200 of this application embodiment may further include:

[0126] The information acquisition module is used to obtain the interest calculation start time and current account interest settlement cycle of the registered transaction data;

[0127] The current account interest settlement time determination module is used to determine the current account interest settlement time of transaction data based on the interest accrual start time and the current account interest settlement cycle.

[0128] The phase interest determination module is used to determine the phase interest based on transaction data when the current time is the interest settlement time for demand deposits.

[0129] The transfer-in module is used to transfer phase interest into the sub-registration;

[0130] The update module is used to update the balance of the sub-registration.

[0131] Therefore, if the interest accrual period of the transaction data meets the current account interest settlement cycle, the interest will be transferred to the sub-registration in a timely manner.

[0132] In one possible implementation, the transaction duration of the first transaction is not a multiple of the current account settlement cycle; before determining the interest payable for the first transaction based on the transaction data and transaction duration, the real-time interest settlement device 200 of this application embodiment may further include:

[0133] The preset current account settlement module is used to settle interest according to the preset current account settlement method of the first transaction when the current time is the current account interest settlement time.

[0134] In one possible implementation, in order to promptly return transaction data to the user upon completion of the transaction, the real-time interest settlement device 200 of this application embodiment may further include, after responding to the user's first input confirming the completion of the first transaction, the following:

[0135] The refund account retrieval module is used to retrieve the user's refund account;

[0136] The transfer-out module is used to transfer transaction data from the sub-registration to the refund account.

[0137] Therefore, transaction data is promptly returned to the user at the end of the transaction.

[0138] Figure 3 A schematic diagram of the structure of the real-time interest settlement device provided in an embodiment of this application is shown, as follows: Figure 3 As shown, the real-time interest settlement device may include a processor 301 and a memory 302 storing computer program instructions.

[0139] Specifically, the processor 301 may include a central processing unit (CPU), an application-specific integrated circuit (ASIC), or one or more integrated circuits that can be configured to implement the embodiments of this application.

[0140] Memory 302 may include mass storage for data or instructions. For example, and not limitingly, memory 302 may include a hard disk drive (HDD), floppy disk drive, flash memory, optical disk, magneto-optical disk, magnetic tape, or Universal Serial Bus (USB) drive, or a combination of two or more of these. Where appropriate, memory 302 may include removable or non-removable (or fixed) media. Where appropriate, memory 302 may be internal or external to the integrated gateway disaster recovery device. In a particular embodiment, memory 302 is non-volatile solid-state memory.

[0141] Memory 302 may include read-only memory (ROM), random access memory (RAM), disk storage media device, optical storage media device, flash memory device, electrical, optical, or other physical / tangible memory storage device. Therefore, generally, memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method according to one aspect of this application.

[0142] The processor 301 implements any of the real-time interest settlement methods in the above embodiments by reading and executing computer program instructions stored in the memory 302.

[0143] In one example, the real-time interest settlement device may also include a communication interface 303 and a bus 310. Wherein, as Figure 3 As shown, the processor 301, memory 302, and communication interface 303 are connected through bus 310 and complete communication with each other.

[0144] The communication interface 303 is mainly used to realize communication between various modules, devices, units and / or equipment in the embodiments of this application.

[0145] Bus 310 includes hardware, software, or both, that couples components of a real-time information receiving device together. For example, and not limitingly, the bus may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an Infinite Bandwidth Interconnect, a Low Pin Count (LPC) bus, a memory bus, a Microchannel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local (VLB) bus, or other suitable buses, or combinations of two or more of these. Where appropriate, bus 310 may include one or more buses. Although specific buses are described and illustrated in embodiments of this application, any suitable bus or interconnect is contemplated herein.

[0146] The real-time interest settlement device can execute the real-time interest settlement method in the embodiments of this application, thereby achieving the combination of Figure 1 and Figure 2 The method and apparatus for real-time interest settlement are described.

[0147] In conjunction with the real-time interest settlement method in the above embodiments, this application also provides a computer-readable storage medium storing computer program instructions, which, when executed by a processor, implement the real-time interest settlement method as described above.

[0148] In conjunction with the real-time interest settlement method in the above embodiments, this application also provides a computer program product, wherein when the instructions in the computer program product are executed by the processor of an electronic device, the electronic device performs the real-time interest settlement method as described above.

[0149] It should be clarified that this application is not limited to the specific configurations and processes described above and shown in the figures. For the sake of brevity, detailed descriptions of known methods are omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of this application is not limited to the specific steps described and shown. Those skilled in the art can make various changes, modifications, and additions, or change the order of steps, after understanding the spirit of this application.

[0150] The functional blocks shown in the above-described structural diagram can be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, they can be, for example, electronic circuits, application-specific integrated circuits (ASICs), appropriate firmware, plug-ins, function cards, etc. When implemented in software, the elements of this application are programs or code segments used to perform the required tasks. Programs or code segments can be stored on a machine-readable medium or transmitted over a transmission medium or communication link via data signals carried on a carrier wave. "Machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio frequency (RF) links, etc. Code segments can be downloaded via computer networks such as the Internet, intranets, etc.

[0151] It should also be noted that the exemplary embodiments mentioned in this application describe methods or systems based on a series of steps or apparatus. However, this application is not limited to the order of the above steps; that is, the steps can be performed in the order mentioned in the embodiments, or in a different order, or several steps can be performed simultaneously.

[0152] The aspects of this application have been described above with reference to flowchart illustrations and / or block diagrams of methods, apparatus, and computer program products according to embodiments of this application. It should be understood that each block in the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing apparatus to produce a machine such that these instructions, executable via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions / actions specified in one or more blocks of the flowchart illustrations and / or block diagrams. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field-programmable logic circuit. It is also understood that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, can also be implemented by dedicated hardware performing the specified functions or actions, or can be implemented by a combination of dedicated hardware and computer instructions.

[0153] The above description is merely a specific implementation of this application. Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the specific working processes of the systems, modules, and units described above can be referred to the corresponding processes in the foregoing method embodiments, and will not be repeated here. It should be understood that the protection scope of this application is not limited thereto. Any person skilled in the art can easily conceive of various equivalent modifications or substitutions within the technical scope disclosed in this application, and these modifications or substitutions should all be covered within the protection scope of this application.

Claims

1. A data processing method, characterized in that, include: In response to the second input from the user's contract, an interest register is established for the user to record interest, and the interest register corresponds to the user. In response to the user's third input confirming the start of the first transaction, the transaction data is registered in a sub-registration book, which corresponds to the interest register book. The user's transaction data and the interest generated by the transaction data are registered in different registers. If the user's identity security verification is successful, in response to the user's first input confirming the end of the first transaction, the sub-registration book used to store the transaction data is searched to obtain the transaction data and transaction duration of the first transaction; Based on the transaction data and the transaction duration, determine the interest payable for the first transaction; Determine whether the balance of the interest register is greater than or equal to the accrued interest; If the balance is greater than or equal to the accrued interest, interest shall be settled through the interest register based on the accrued interest. If the balance is less than the interest due, the current account interest is determined based on the transaction data and the current time, and the interest is settled based on the current account interest and the balance. During the interest settlement process, the relevant data of the interest settlement business will be locked; In the event of an anomaly in the interest settlement process, the relevant data of the interest settlement business will be stored in the anomaly database; After the interest settlement process returns to normal, the relevant data of the interest settlement business is unlocked, and the relevant data in the abnormal database is deleted.

2. The data processing method according to claim 1, characterized in that, After establishing an interest register for the user in response to the second input of the user's subscription, the method further includes: Obtain the interest accrual start time and current account interest settlement cycle of the registered transaction data; The current account interest settlement time of the transaction data is determined based on the interest accrual start time and the current account interest settlement cycle; If the current time is the interest settlement time for the current account, the phase interest is determined based on the transaction data; The interest for that stage shall be transferred to the sub-registry; Update the balance of the sub-registry.

3. The data processing method according to claim 1, characterized in that, The transaction duration of the first transaction is not a multiple of the current account settlement cycle; Before determining the accrued interest for the first transaction based on the transaction data and the transaction duration, the method further includes: If the current time is the current deposit interest settlement time, interest will be settled according to the preset current deposit settlement method of the first transaction.

4. The data processing method according to claim 1, characterized in that, Following the first input from the user confirming the end of the first transaction, the method further includes: Obtain the user's refund account; The transaction data is transferred from the sub-registration to the refund account.

5. A data processing apparatus, characterized in that, The device includes: An interest register creation module is used to create an interest register for the user to register interest in response to a second input from the user's contract, and the interest register corresponds to the user; The transaction data registration module is used to register the transaction data in a sub-registration book in response to the third input from the user confirming the start of the first transaction. The sub-registration book corresponds to the interest register book, and the user's transaction data and the interest generated by the transaction data are registered in different register books respectively. The acquisition module is used to, in response to the user's first input confirming the end of the first transaction, search the sub-registration book used to store the transaction data when the user's identity security verification is passed, so as to obtain the transaction data and transaction duration of the first transaction; The determining module is used to determine the interest payable for the first transaction based on the transaction data and the transaction duration; The judgment module is used to determine whether the balance of the interest register is greater than or equal to the interest due. The first interest settlement module is used to settle interest from the interest register according to the interest due when the balance is greater than or equal to the interest due. The second interest settlement module is used to determine the current account interest based on the transaction data and the current time when the balance is less than the interest due, and to settle the interest based on the current account interest. The first interest settlement module and the second interest settlement module are further used for: During the interest settlement process, the relevant data of the interest settlement business will be locked; In the event of an anomaly in the interest settlement process, the relevant data of the interest settlement business will be stored in the anomaly database; After the interest settlement process returns to normal, the relevant data of the interest settlement business is unlocked, and the relevant data in the abnormal database is deleted.

6. A data processing device, characterized in that, The device includes: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, it implements the data processing method as described in any one of claims 1-4.

7. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer program instructions, which, when executed by a processor, implement the data processing method as described in any one of claims 1-4.

8. A computer program product, characterized in that, When the instructions in the computer program product are executed by the processor of the electronic device, the electronic device performs the data processing method as described in any one of claims 1-4.

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