Calculation method, device and equipment for life deposit interest, medium and product
By setting up a balance zipper list and a reversing interest-starting business registration form in the financial system, the problem of low interest-starting business interest calculation efficiency is solved, and accurate and efficient interest calculation is achieved.
Patent Information
- Application Number
- CN202411688587.X
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-11-22
- Publication Date
- 2025-02-28
Smart Images
Figure CN119539933A_ABST
Abstract
Description
Technical Field
[0001] The present invention relates to the field of financial technology, and in particular to a method, device, equipment, medium and product for calculating interest on demand deposits. Background Art
[0002] In financial transaction scenarios, due to the restrictions on the business hours of financial institutions, transfers, remittances and other businesses during non-business hours often involve the reverse calculation of the interest date of current deposits in order to accurately calculate the interest on current deposits.
[0003] At present, the existing technology calculates the balance of the account from the interest accrual date to the accounting date through the historical transaction information of the account after the reverse interest accrual business occurs, and then calculates the actual interest payable based on the new end-of-day balance.
[0004] However, the existing method of calculating the interest on current deposits requires associating the account's transaction records and querying and processing the account's historical transactions, which consumes a large amount of hardware resources in the business system. At the same time, the new balance calculated through the account transaction information cannot be traced back to the historical transaction records after the interest calculation is completed. In the case of multiple reverse interest transactions, when processing the current reverse interest record, it is necessary to associate the interest date of the previous reverse interest transaction. If the interest date of the current reverse interest transaction is earlier than the interest date of the previous reverse interest transaction, the interest date of the previous reverse interest transaction needs to be used as the dividing point when calculating the new balance. The historical transaction records before the previous reverse interest date need to add the previous reverse interest amount, and the historical transaction records after the previous reverse interest date do not need to add the previous reverse interest amount. Therefore, the more reverse interest transactions there are, the more complicated the calculation process is, and it is easy to make errors in the calculation of current deposit interest. Summary of the invention
[0005] The present invention provides a method, device, equipment, medium and product for calculating the interest on demand deposits, so as to solve the problem of low efficiency in calculating the interest on demand deposits involving reverse interest accrual services. By setting a balance zipper table for storing the end-of-day balance of an account and setting a reverse interest accrual service registration table for registering reverse interest accrual services, accurate calculation of demand deposit interest can be achieved, which is beneficial to improving the calculation efficiency of demand deposit interest rates.
[0006] According to one aspect of the present invention, a method for calculating interest on a demand deposit is provided, the method comprising:
[0007] If it is detected that the current transaction of the target account is a reverse interest business, the current transaction is registered in the reverse interest business registration table of the target account; the reverse interest business registration table is used to store transaction information of the reverse interest business;
[0008] According to the reverse interest business registration form, the balance zipper table of the target account is updated; the balance zipper table is used to store the interest accrual time information of the balance;
[0009] If it is detected that the settlement cycle has been reached, the current deposit interest of the target account in the settlement cycle is calculated based on the balance zipper table of the target account.
[0010] According to another aspect of the present invention, there is provided a device for calculating interest on a demand deposit, the device comprising:
[0011] A reverse interest business registration module, for registering the current transaction business to the reverse interest business registration table of the target account if it is detected that the current transaction business of the target account is a reverse interest business; the reverse interest business registration table is used to store transaction information of the reverse interest business;
[0012] A balance zipper table update module, used to update the balance zipper table of the target account according to the reverse interest business registration table; the balance zipper table is used to store the balance interest accrual time information;
[0013] The deposit interest calculation module is used to calculate the current deposit interest of the target account in the settlement period according to the balance zipper table of the target account if it is detected that the settlement period has been reached.
[0014] According to another aspect of the present invention, an electronic device is provided, the electronic device comprising:
[0015] At least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores a computer program executable 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 method for calculating the interest on current deposits described in any embodiment of the present invention.
[0016] According to another aspect of the present invention, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the method for calculating the interest on demand deposits described in any embodiment of the present invention when executed.
[0017] According to another aspect of the present invention, there is provided a computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the method for calculating the interest on a demand deposit according to any embodiment of the present invention is implemented.
[0018] The technical solution of the embodiment of the present invention is that if it is detected that the current transaction business of the target account is a reverse interest business, the current transaction business is registered in the reverse interest business registration table of the target account; the reverse interest business registration table is used to store the transaction information of the reverse interest business; according to the reverse interest business registration table, the balance zipper table of the target account is updated; the balance zipper table is used to store the interest accrual time information of the balance; if it is detected that the settlement period is reached, the current deposit interest of the target account in the settlement period is calculated according to the balance zipper table of the target account. This technical solution solves the problem of low efficiency in calculating the interest on current deposits involving reverse interest business, by setting a balance zipper table for storing the end-of-day balance of the account, and setting a reverse interest business registration table for registering reverse interest business, accurate calculation of current deposit interest is achieved, which is conducive to improving the calculation efficiency of current deposit interest rates.
[0019] It should be understood that the contents described in this section are not intended to identify the key or important features of the embodiments of the present invention, nor are they intended to limit the scope of the present invention. Other features of the present invention will become easily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS
[0020] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.
[0021] Figure 1 is a flow chart of a method for calculating interest on demand deposits provided according to Embodiment 1 of the present invention;
[0022] Figure 2 is a flow chart of a method for calculating interest on demand deposits provided according to Embodiment 2 of the present invention;
[0023] Figure 3 is a schematic diagram of the structure of a device for calculating interest on demand deposits provided according to Embodiment 3 of the present invention;
[0024] Figure 4 The present invention is a schematic diagram of the structure of an electronic device for implementing the method for calculating the interest on demand deposits according to an embodiment of the present invention. DETAILED DESCRIPTION
[0025] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.
[0026] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices. The acquisition, storage, use, processing, etc. of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.
[0027] Embodiment 1
[0028] Figure 1 A flowchart of a method for calculating interest on demand deposits is provided for the first embodiment of the present invention. This embodiment is applicable to demand deposit interest calculation scenarios of financial institutions, especially demand deposit interest calculation scenarios involving reverse interest business. The method can be executed by a device for calculating demand deposit interest, which can be implemented in the form of hardware and / or software, and can be configured in an electronic device. Figure 1 As shown, the method includes:
[0029] S110. If it is detected that the current transaction of the target account is a reverse interest-bearing business, the current transaction is registered in a reverse interest-bearing business registration table of the target account; the reverse interest-bearing business registration table is used to store transaction information of the reverse interest-bearing business.
[0030] This solution can be executed by the business processing system of the financial institution, which can detect the unprocessed transactions in sequence to determine whether the current transaction of the target account is a reverse value-added business. A reverse value-added business is a business in which the interest of a financial product is calculated backwards from the bookkeeping date, that is, an interest calculation business with a value date before the bookkeeping date.
[0031] If it is detected that the current transaction of the target account is a reverse interest business, the business processing system can obtain the transaction information of the current transaction and register it in the reverse interest business registration table of the target account. Specifically, the reverse interest business registration table may include information such as transaction number, own account, value date, transaction date, transaction amount, transaction type, processing flag, transaction currency, and counterparty account. Among them, the processing flag is used to mark whether the reverse interest business is processed, and can include two states: unprocessed and processed.
[0032] S120. Update the balance zipper table of the target account according to the reverse interest accrual service registration table; the balance zipper table is used to store the interest accrual time information of the balance.
[0033] The business processing system can update the balance zipper table of the target account according to the reverse interest business registration table according to the preset update cycle. For example, the business processing system can filter out the unprocessed reverse interest business in the reverse interest business registration table at the end of each day, and update the balance zipper table of the target account according to the transaction information of the unprocessed reverse interest business. The balance zipper table can be used to store the interest accrual time information of the target account balance. The balance zipper table can include information such as the account, the end-of-day balance, the current interest accrual date, the next interest accrual date, the number of days from the current interest accrual date to the next interest accrual date, and the registration date. It can be understood that the interest accrual date is the date when the financial product starts to calculate interest, the current interest accrual date refers to the interest accrual date corresponding to the current end-of-day balance, and the next interest accrual date refers to the interest accrual date corresponding to the next end-of-day balance. The end-of-day balance represents the balance of the account on the interest accrual date of the current settlement cycle. The registration date refers to the update date of the end-of-day balance.
[0034] S130: If it is detected that the settlement period has been reached, the current deposit interest of the target account in the settlement period is calculated according to the balance zipper table of the target account.
[0035] When the arrival of the settlement cycle is detected, the business processing system can filter the balance records of the current settlement cycle in the balance zipper table of the target account, and calculate the current deposit interest of the target account in the settlement cycle based on the interest calculation formula according to the interest value date information of the balance record.
[0036] The technical solution of the embodiment of the present invention is that if it is detected that the current transaction business of the target account is a reverse interest business, the current transaction business is registered in the reverse interest business registration table of the target account; the reverse interest business registration table is used to store the transaction information of the reverse interest business; according to the reverse interest business registration table, the balance zipper table of the target account is updated; the balance zipper table is used to store the interest accrual time information of the balance; if it is detected that the settlement period is reached, the current deposit interest of the target account in the settlement period is calculated according to the balance zipper table of the target account. This technical solution solves the problem of low efficiency in calculating the interest on current deposits involving reverse interest business, by setting a balance zipper table for storing the end-of-day balance of the account, and setting a reverse interest business registration table for registering reverse interest business, accurate calculation of current deposit interest is achieved, which is conducive to improving the calculation efficiency of current deposit interest rates.
[0037] Embodiment 2
[0038] Figure 2 This is a flow chart of a method for calculating interest on a demand deposit provided in Embodiment 2 of the present invention. This embodiment is based on the above embodiment and is refined. Figure 2 As shown, the method includes:
[0039] S210. If it is detected that the current transaction of the target account is a reverse interest-bearing business, the current transaction is registered in a reverse interest-bearing business registration table of the target account; the reverse interest-bearing business registration table is used to store transaction information of the reverse interest-bearing business.
[0040] In this solution, the reverse interest business registration table includes at least one reverse interest record; each reverse interest record includes the transaction date, interest accrual date, transaction amount and transaction type of the reverse interest business; the transaction type may include expenditure and income.
[0041] S220: Obtain, from the reverse interest business registration table, a target reverse interest record with a transaction date that is less than or equal to the current date.
[0042] The business processing system can select the reverse interest records whose transaction dates are less than or equal to the current date in the reverse interest business registration table as the target reverse interest records.
[0043] S230: Determine whether there is a target balance record matching the target reverse interest record in the balance zipper table.
[0044] It can be understood that the balance zipper table includes at least one balance record; each balance record includes information such as the end-of-day balance, the current value date, and the next value date. The balance records in the balance zipper table are arranged in the order of the current value date.
[0045] The business processing system can determine whether there is a target balance record in the balance zipper table that matches the target reverse value record. The target reverse value record matches the target balance record when the current value date of the target balance record is the same as the value date of the target reverse value record.
[0046] If there is a target balance record matching the target reverse interest record in the balance zipper table, S240 is executed; if there is no target balance record matching the target reverse interest record in the balance zipper table, S250 is executed.
[0047] S240. Update the end-of-day balance of the target balance record and the end-of-day balance of the balance record whose current value date is after the target balance record according to the transaction amount and transaction type of the target reverse value record; wherein the current value date of the target balance record is the same as the value date of the target reverse value record.
[0048] If there is a target balance record matching the target reverse value record in the balance zipper table, the business processing system can update the end-of-day balance of the target balance record according to the transaction amount and transaction type of the target reverse value record. For example, the end-of-day balance of the target balance record can be increased or decreased according to the amount of income or expenditure of the target reverse value record. It is easy to understand that after the end-of-day balance of the target balance record changes, the end-of-day balance of the balance record with the current value date after the target balance record also changes. Therefore, it is necessary to update the end-of-day balance of the balance record with the current value date after the target balance record after the target balance record is updated.
[0049] S250: Generate a target balance record according to the interest accrual date, transaction amount and transaction type of the target reverse interest accrual record, insert the target balance record into the balance zipper table, and update the balance record associated with the target balance record in the balance zipper table.
[0050] If there is no target balance record matching the target reverse interest record in the balance zipper table, the business processing system can generate a target balance record based on the interest date, transaction amount and transaction type of the target reverse interest record, insert it into the balance zipper table, and update the balance record associated with the target balance record in the balance zipper table.
[0051] Based on the above solution, the balance records associated with the target balance record in the balance zipper table include a first balance record, a second balance record and a third balance record;
[0052] The first balance record is a balance record in the balance zipper table whose current value date is before the value date of the target reverse value record and whose current value date is closest to the value date of the target reverse value record;
[0053] The second balance record is a second balance record in the balance zipper table whose current value date is after the value date of the target reverse value record and whose current value date is closest to the value date of the target reverse value record;
[0054] The third balance record is a balance record in the balance zipper table whose current value date is after the value date of the target reverse value record.
[0055] In a feasible solution, generating a target balance record according to the value date, transaction amount and transaction type of the target value record, inserting it into the balance zipper table, and updating the balance record associated with the target balance record in the balance zipper table include:
[0056] If there is a first balance record, the end-of-day balance of the target balance record is calculated according to the end-of-day balance in the first balance record and the transaction amount and transaction type in the target value-added record;
[0057] The value date in the target reverse value record is used as the current value date of the target balance record;
[0058] Updating the next interest accrual date in the first balance record to the interest accrual date in the target reverse interest accrual record;
[0059] If there is no first balance record, the transaction amount in the target value-added record is used as the end-of-day balance of the target balance record;
[0060] If there is a second balance record, the current interest value date in the second balance record is used as the next interest value date of the target balance record;
[0061] If the second balance record does not exist, determining the next interest payment date of the target balance record according to the settlement cycle;
[0062] If there is a third balance record, the end-of-day balance of the third balance record is updated according to the transaction amount and transaction type in the target value-added interest record.
[0063] In a specific example, the target account is "111111", the current time is February 23, 2024, the end-of-day balance on the previous day, February 22, 2024, is 25,000 yuan, the interest payment period is 1 month, the number of days in a year is 365, the interest payment date is the end of the month, and before the balance zipper table is updated, the balance record of the target account is shown in Table 1 below.
[0064] Table 1:
[0065] Account End of day balance interest rate Current Value Date Next rest day Number of days Registration Date 111111 10000 1％ 20240101 20240110 9 20240101 111111 20000 1％ 20240110 20240201 22 20240110 111111 30000 1％ 20240201 20240205 4 20240201 111111 25000 1％ 20240205 20240301 25 20240205
[0066] The interest settled in January is On February 23, 2024, a reverse interest transaction with a value date of January 15, 2024 and a non-reverse interest transaction with a value date of February 23, 2024 were conducted. The transaction amount was RMB 5,000 for both transactions, and the transaction type was income transaction. After the transaction was completed, the account balance was RMB 35,000.
[0067] As shown in Table 1 above, there is no balance record with a current value date of January 15, 2024 in the balance zipper table. The business processing system can generate a balance record with a current value date of January 15, 2024 based on the value date, transaction amount, and transaction type. In the balance record with a current value date of January 15, 2024, the end-of-day balance of the target balance record (the balance record on January 15, 2024) is the sum of the end-of-day balance (20,000) of the previous balance record (the balance record on January 10, 2024) in the balance zipper table and the income transaction amount (5,000), that is, RMB 25,000. The current value date of the target balance record is the value date of the target reverse value record, that is, January 15, 2024. The next interest date of the target balance record is the current interest date of the next balance record in the balance zipper table (balance record on February 1, 2024), that is, February 1, 2024. The business processing system can insert the generated target balance record into the balance zipper table to obtain the balance record shown in Table 2.
[0068] Table 2:
[0069] Account End of day balance interest rate Current Value Date Next rest day Number of days Registration Date 111111 10000 1％ 20240101 20240110 9 20240101 111111 20000 1％ 20240110 20240115 5 20240110 111111 25000 1％ 20240115 20240201 17 20240223 111111 35000 1％ 20240201 20240205 4 20240201 111111 30000 1％ 20240205 20240301 25 20250205
[0070] As shown in Table 2, after inserting the target balance record into the balance zipper table, the balance records associated with the target balance record need to be updated, namely the first balance record (balance record on January 10, 2024), the second balance record (balance record on February 1, 2024), and the third balance record (balance record on February 1, 2024 and balance record on February 5, 2024). It can be understood that the previous balance record of the target balance record is the first balance record, the next balance record of the target balance record is the second balance record, and the balance record in the balance zipper table whose current value date is after the value date of the target reverse value record is the third balance record.
[0071] The business processing system may update the next interest date in the first balance record to the value date in the target reverse value record, i.e., January 15, 2024. If the balance zipper table includes the number of days from the current value date to the next interest date, the business processing system shall also update the number of days for interest calculation based on the updated next interest date in the first balance record. The business processing system may use the current value date in the second balance record as the next interest date of the target balance record, and update the end-of-day balance of the third balance record based on the transaction amount and transaction type in the target reverse value record.
[0072] It should be noted that if the first balance record (balance record on January 10, 2024) does not exist in Table 1, the business processing system can use the transaction amount in the target reverse interest record as the end-of-day balance of the target balance record, that is, the end-of-day balance of the target balance record is 5,000 yuan. If the second balance record (balance record on February 1, 2024) does not exist in Table 1, the business processing system can determine the next interest accrual date of the target balance record based on the settlement cycle (February), that is, March 1, 2024.
[0073] In another feasible solution, the method further includes:
[0074] If it is detected that the current transaction business of the target account is a non-reversible interest-bearing business, the balance zipper table of the target account is updated according to the transaction information of the current transaction business.
[0075] For non-reversing interest-bearing services, since the balance of the target account changes, the business processing system can generate a balance record and update the balance zipper table based on the transaction date, transaction amount and transaction type. For example, for a non-reversing interest-bearing service on February 23, 2024, the business processing system can generate a balance record as shown in the last row of Table 3, and update the next interest-bearing date of the previous balance record of the balance record.
[0076] Table 3:
[0077] Account End of day balance interest rate Current Value Date Next rest day Number of days Registration Date 111111 10000 1％ 20240101 20240110 9 20240101 111111 20000 1％ 20240110 20240115 5 20240110 111111 25000 1％ 20240115 20240201 17 20240223 111111 35000 1％ 20240201 20240205 4 20240201 111111 30000 1％ 20240205 20240223 18 20250205 111111 35000 1％ 20240223 20240301 7 20240223
[0078] S260. According to the updated data in the balance zipper table, extract the balance record associated with the settlement period in the balance zipper table of the target account.
[0079] After the zipper table is updated, if it is detected that the settlement period has arrived, the business processing system extracts the balance record associated with the settlement period in the balance zipper table of the target account based on the updated data in the balance zipper table to calculate the interest on current deposits within the settlement period.
[0080] For example, if the balance record for January in the balance zipper table is updated and the current settlement period is February, the business processing system can obtain the balance records for January and February as the associated balance records for February to calculate the current deposit interest for February based on the balance records for January and February.
[0081] S270. Calculate the current deposit interest of the target account in the settlement period based on the balance record associated with the settlement period and the interest calculation formula.
[0082] Specifically, the business processing system may extract the balance records in January and February with the current interest value date in Table 3, and calculate the demand deposit interest in January and February in turn based on the interest calculation formula.
[0083] The interest payable on demand deposits in January is 14.52 yuan has been paid, and the difference of 2.33 yuan should be added to the end-of-day balance in February. The balance record for February is updated as Table 4.
[0084] Table 4:
[0085] Account End of day balance interest rate Current Value Date Next rest day Number of days Registration Date 111111 10000 1％ 20240101 20240110 9 20240101 111111 20000 1％ 20240110 20240115 5 20240110 111111 25000 1％ 20240115 20240201 17 20240223 111111 35002.33 1％ 20240201 20240205 4 20240201 111111 30002.33 1％ 20240205 20240223 18 20250205 111111 35002.33 1％ 20240223 20240301 7 20240223
[0086] Therefore, the interest payable on demand deposits in February is The interest settlement amount in February is 2.33+25.35=27.68 yuan.
[0087] The technical solution of the embodiment of the present invention is that if it is detected that the current transaction business of the target account is a reverse interest business, the current transaction business is registered in the reverse interest business registration table of the target account; the reverse interest business registration table is used to store the transaction information of the reverse interest business; according to the reverse interest business registration table, the balance zipper table of the target account is updated; the balance zipper table is used to store the interest accrual time information of the balance; if it is detected that the settlement period is reached, the current deposit interest of the target account in the settlement period is calculated according to the balance zipper table of the target account. This technical solution solves the problem of low efficiency in calculating the interest on current deposits involving reverse interest business, by setting a balance zipper table for storing the end-of-day balance of the account, and setting a reverse interest business registration table for registering reverse interest business, accurate calculation of current deposit interest is achieved, which is conducive to improving the calculation efficiency of current deposit interest rates.
[0088] Embodiment 3
[0089] Figure 3 This is a schematic diagram of a device for calculating interest on a current deposit provided by Embodiment 3 of the present invention. Figure 3 As shown, the device comprises:
[0090] The reverse interest business registration module 310 is used to register the current transaction business to the reverse interest business registration table of the target account if it is detected that the current transaction business of the target account is a reverse interest business; the reverse interest business registration table is used to store the transaction information of the reverse interest business;
[0091] The balance zipper table update module 320 is used to update the balance zipper table of the target account according to the reverse interest business registration table; the balance zipper table is used to store the balance interest accrual time information;
[0092] The deposit interest calculation module 330 is used to calculate the current deposit interest of the target account in the settlement period according to the balance zipper table of the target account if it is detected that the settlement period has been reached.
[0093] In a feasible solution, the reverse interest business registration table includes at least one reverse interest record; each reverse interest record includes the transaction date, value date, transaction amount and transaction type of the reverse interest business; the balance zipper table includes at least one balance record; each balance record includes the end-of-day balance, the current value date and the next value date;
[0094] The balance zipper table update module 320 includes:
[0095] A target record acquisition unit, configured to acquire a target reverse interest record with a transaction date less than or equal to the current date from the reverse interest service registration table;
[0096] a first updating unit, configured to update, if there is a target balance record matching the target reverse value record in the balance zipper table, the end-of-day balance of the target balance record and the end-of-day balance of the balance record whose current value date is after the target balance record according to the transaction amount and transaction type of the target reverse value record; wherein the current value date of the target balance record is the same as the value date of the target reverse value record;
[0097] The second updating unit is configured to generate a target balance record according to the interest accrual date, transaction amount and transaction type of the target interest accrual record if there is no target balance record matching the target interest accrual record in the balance zipper table, insert the target balance record into the balance zipper table, and update the balance record associated with the target balance record in the balance zipper table.
[0098] Optionally, the balance records associated with the target balance record in the balance zipper table include a first balance record, a second balance record and a third balance record;
[0099] The first balance record is a balance record in the balance zipper table whose current value date is before the value date of the target reverse value record and whose current value date is closest to the value date of the target reverse value record;
[0100] The second balance record is a second balance record in the balance zipper table whose current value date is after the value date of the target reverse value record and whose current value date is closest to the value date of the target reverse value record;
[0101] The third balance record is a balance record in the balance zipper table whose current value date is after the value date of the target reverse value record.
[0102] Based on the above solution, the second updating unit is specifically used to:
[0103] If there is a first balance record, the end-of-day balance of the target balance record is calculated according to the end-of-day balance in the first balance record and the transaction amount and transaction type in the target value-added record;
[0104] The value date in the target reverse value record is used as the current value date of the target balance record;
[0105] Updating the next interest accrual date in the first balance record to the interest accrual date in the target reverse interest accrual record;
[0106] If there is no first balance record, the transaction amount in the target value-added record is used as the end-of-day balance of the target balance record;
[0107] If there is a second balance record, the current interest value date in the second balance record is used as the next interest value date of the target balance record;
[0108] If the second balance record does not exist, determining the next interest payment date of the target balance record according to the settlement cycle;
[0109] If there is a third balance record, the end-of-day balance of the third balance record is updated according to the transaction amount and transaction type in the target value-added interest record.
[0110] In this embodiment, the deposit interest calculation module 330 is specifically used for:
[0111] According to the updated data in the balance zipper table, extract the balance record associated with the settlement period from the balance zipper table of the target account;
[0112] Calculate the current deposit interest of the target account in the settlement period based on the balance records associated with the settlement period and the interest calculation formula.
[0113] In another feasible solution, the device is also used for:
[0114] If it is detected that the current transaction business of the target account is a non-reversible interest-bearing business, the balance zipper table of the target account is updated according to the transaction information of the current transaction business.
[0115] The current deposit interest calculation device provided in the embodiment of the present invention can execute the current deposit interest calculation method provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.
[0116] Embodiment 4
[0117] Figure 4 A schematic diagram of an electronic device 410 that can be used to implement an embodiment of the present invention is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device may also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or required herein.
[0118] like Figure 4 As shown, the electronic device 410 includes at least one processor 411, and a memory connected to the at least one processor 411 in communication, such as a read-only memory (ROM) 412, a random access memory (RAM) 413, etc., wherein the memory stores a computer program that can be executed by at least one processor, and the processor 411 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 412 or the computer program loaded from the storage unit 418 to the random access memory (RAM) 413. In the RAM 413, various programs and data required for the operation of the electronic device 410 can also be stored. The processor 411, the ROM 412, and the RAM 413 are connected to each other via a bus 414. An input / output (I / O) interface 415 is also connected to the bus 414.
[0119] Multiple components in the electronic device 410 are connected to the I / O interface 415, including: an input unit 416, such as a keyboard, a mouse, etc.; an output unit 417, such as various types of displays, speakers, etc.; a storage unit 418, such as a disk, an optical disk, etc.; and a communication unit 419, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 419 allows the electronic device 410 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.
[0120] Processor 411 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of processor 411 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various dedicated artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, digital signal processors (DSPs), and any appropriate processors, controllers, microcontrollers, etc. Processor 411 executes the various methods and processes described above, such as a method for calculating interest on demand deposits.
[0121] In some embodiments, the method for calculating the interest on a demand deposit may be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as a storage unit 418. In some embodiments, part or all of the computer program may be loaded and / or installed on the electronic device 410 via the ROM 412 and / or the communication unit 419. When the computer program is loaded into the RAM 413 and executed by the processor 411, one or more steps of the method for calculating the interest on a demand deposit described above may be performed. Alternatively, in other embodiments, the processor 411 may be configured to execute the method for calculating the interest on a demand deposit by any other appropriate means (e.g., by means of firmware).
[0122] Various implementations of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.
[0123] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable current deposit interest calculation device, so that when the computer program is executed by the processor, the functions / operations specified in the flow chart and / or block diagram are implemented. The computer program may be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.
[0124] In the context of the present invention, a computer-readable storage medium may be a tangible medium that may contain or store a computer program for use by or in combination with an instruction execution system, device or equipment. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
[0125] To provide interaction with a user, the systems and techniques described herein may be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and a pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices may also be used to provide interaction with the user; for example, the feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form (including acoustic input, voice input, or tactile input).
[0126] The systems and techniques described herein may be implemented in a computing system that includes backend components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system may be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.
[0127] A computing system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The client and server relationship is generated by computer programs running on the corresponding computers and having a client-server relationship with each other. The server may be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services.
[0128] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps described in the present invention can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution of the present invention can be achieved, and this document does not limit this.
[0129] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims
1. A method for calculating interest on demand deposits, characterized in that: The method comprises: If it is detected that the current transaction of the target account is a reverse interest business, the current transaction is registered in the reverse interest business registration table of the target account; the reverse interest business registration table is used to store transaction information of the reverse interest business; According to the reverse interest business registration form, the balance zipper table of the target account is updated; the balance zipper table is used to store the interest accrual time information of the balance; If it is detected that the settlement cycle has been reached, the current deposit interest of the target account in the settlement cycle is calculated based on the balance zipper table of the target account.
2. The method according to claim 1, characterized in that The reverse interest business registration table includes at least one reverse interest record; each reverse interest record includes the transaction date, value date, transaction amount and transaction type of the reverse interest business; the balance zipper table includes at least one balance record; each balance record includes the end-of-day balance, the current value date and the next value date; The updating of the target account's balance zipper table according to the reverse interest business registration table includes: Obtaining a target reverse interest record with a transaction date less than or equal to the current date from the reverse interest business registration table; If there is a target balance record matching the target reverse value record in the balance zipper table, then update the end-of-day balance of the target balance record and the end-of-day balance of the balance record whose current value date is after the target balance record according to the transaction amount and transaction type of the target reverse value record; wherein the current value date of the target balance record is the same as the value date of the target reverse value record; If there is no target balance record matching the target reverse interest record in the balance zipper table, a target balance record is generated according to the interest accrual date, transaction amount and transaction type of the target reverse interest record, inserted into the balance zipper table, and the balance record associated with the target balance record in the balance zipper table is updated.
3. The method according to claim 2, characterized in that The balance records associated with the target balance record in the balance zipper table include a first balance record, a second balance record and a third balance record; The first balance record is a balance record in the balance zipper table whose current value date is before the value date of the target reverse value record and whose current value date is closest to the value date of the target reverse value record; The second balance record is a second balance record in the balance zipper table whose current value date is after the value date of the target reverse value record and whose current value date is closest to the value date of the target reverse value record; The third balance record is a balance record in the balance zipper table whose current value date is after the value date of the target reverse value record.
4. The method according to claim 3, characterized in that The generating a target balance record according to the value date, transaction amount and transaction type of the target value record, inserting the target balance record into the balance zipper table, and updating the balance record associated with the target balance record in the balance zipper table includes: If there is a first balance record, the end-of-day balance of the target balance record is calculated according to the end-of-day balance in the first balance record and the transaction amount and transaction type in the target value-added record; The value date in the target reverse value record is used as the current value date of the target balance record; Updating the next interest accrual date in the first balance record to the interest accrual date in the target reverse interest accrual record; If there is no first balance record, the transaction amount in the target value-added record is used as the end-of-day balance of the target balance record; If there is a second balance record, the current interest value date in the second balance record is used as the next interest value date of the target balance record; If the second balance record does not exist, determining the next interest payment date of the target balance record according to the settlement cycle; If there is a third balance record, the end-of-day balance of the third balance record is updated according to the transaction amount and transaction type in the target value-added interest record.
5. The method according to claim 1, characterized in that The calculation of the current deposit interest of the target account in the settlement period according to the balance zipper table of the target account includes: According to the updated data in the balance zipper table, extract the balance record associated with the settlement period from the balance zipper table of the target account; Calculate the current deposit interest of the target account in the settlement period based on the balance records associated with the settlement period and the interest calculation formula.
6. The method according to claim 1, characterized in that The method further comprises: If it is detected that the current transaction business of the target account is a non-reversible interest-bearing business, the balance zipper table of the target account is updated according to the transaction information of the current transaction business.
7. A device for calculating interest on demand deposits, characterized in that: The device comprises: A reverse interest business registration module, for registering the current transaction business to the reverse interest business registration table of the target account if it is detected that the current transaction business of the target account is a reverse interest business; the reverse interest business registration table is used to store transaction information of the reverse interest business; A balance zipper table update module, used to update the balance zipper table of the target account according to the reverse interest business registration table; the balance zipper table is used to store the balance interest accrual time information; The deposit interest calculation module is used to calculate the current deposit interest of the target account in the settlement period according to the balance zipper table of the target account if it is detected that the settlement period has been reached.
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 executable 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 method for calculating the interest on current deposits as described in any one of claims 1-6.
9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the method for calculating the interest on demand deposits according to any one of claims 1 to 6 when executed.
10. A computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the computer program implements the method for calculating the interest on demand deposits according to any one of claims 1 to 6.