Interest calculation method and device, electronic equipment and storage medium

Abstract

The invention discloses an interest calculation method and device, electronic equipment and a storage medium, and relates to the field of financial science and technology or other related fields, and the method comprises the steps: analyzing the use type of each deposit fund in a target account, obtaining N fund use types, determining the fund storage period of each deposit fund based on the fund use types, wherein N is a positive integer; a deposit product library is inquired based on the fund storage cycle, a deposit product list is obtained, the deposit product list comprises R deposit products and product information, and R is a positive integer; allocating each deposit fund in the target account to R deposit products based on the fund storage cycle and all product information to obtain a deposit scheme; an interest revenue result is calculated based on the deposit scheme and the product information. Through the method and the device, the technical problem that the income of a user is reduced due to the fact that deposit interest calculation is single and an interest calculation method cannot be dynamically customized according to different requirements and funds in the prior art is solved.

Description

Technical Field

[0001] The present invention relates to the field of financial technology or other related fields, and in particular, to an interest calculation method and device, an electronic device, and a storage medium. Background Art

[0002] In the current financial management practice, deposit accounts A and B have become an important way for corporate project management and fund control. By opening two accounts A and B in the bank where the project is located, the company can achieve refined management of project funds. Account A is the owner's settlement fund account, which is directly controlled by the company and bears the core responsibilities of fund allocation and settlement; Account B is the project department's use fund account, which is specifically used for the daily expenses of the project. Under this model, the fund demand of Account B must be applied to Account A. After the company's review and approval, the funds will be transferred from Account A to Account B, ensuring the transparency and rationality of the fund flow.

[0003] However, the existing AB account management method for deposits has obvious deficiencies in terms of fund returns. Although a large amount of funds are stored in account A, these funds need to be used at any time to meet the funding needs of the project department, so traditionally, they are mostly in the form of demand deposits to maintain the liquidity of funds. Although demand deposits provide flexibility, their low interest income greatly reduces the overall financial benefits of the company, especially when the amount of funds is huge and the idle time is long. This inefficient way of using funds is particularly prominent. Customers have an increasing demand for the value-added of funds and are no longer satisfied with the fixed low-interest demand deposit services provided by banks. Especially in the scenario of depositing AB accounts, the dynamic and uncertain nature of the funds in account A requires a more intelligent and flexible interest calculation and allocation method.

[0004] In the prior art, although there are interest calculation methods for different deposit terms and amounts, these methods often lack in-depth consideration of customer needs and the dynamic use characteristics of funds, and are unable to effectively judge and reflect the actual deposit period of funds. There are obvious defects in the interest calculation and distribution of deposit funds of accounts AB, and the potential earning capacity of funds cannot be fully tapped, and customers' returns are often less than ideal.

[0005] To address the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0006] The main purpose of this application is to provide an interest calculation method and device, an electronic device, and a storage medium, so as to at least solve the technical problem in the related art that the deposit interest calculation is single and the interest calculation method cannot be customized according to different needs and funds, resulting in reduced user benefits.

[0007] In order to achieve the above-mentioned purpose, according to one aspect of the present application, there is provided an interest calculation method, which includes: analyzing the usage type of each deposit fund in the target account to obtain N types of fund usage types, and determining the fund deposit period of each deposit fund based on the fund usage type, wherein N is a positive integer; querying the deposit product library based on the fund deposit period to obtain a deposit product list, wherein the deposit product list includes: R deposit products and product information of each of the deposit products, and R is a positive integer; allocating each deposit fund in the target account to R deposit products based on the fund deposit period and the product information of all the deposit products to obtain a deposit plan; and calculating the interest income result of the target account based on the deposit plan and the product information.

[0008] Furthermore, the step of determining the funds placement period of each deposit fund based on the funds usage type includes: obtaining the funds payment situation of each deposit fund in the target account within a specified historical period, and determining the usage frequency based on the funds payment situation; inputting the usage frequency and the funds usage type into a preset model, and outputting a model determination result, wherein the preset model is a pre-trained machine learning model, and the model determination result includes a usage trend of each deposit fund output by the preset model within a specified future period; and determining the funds placement period corresponding to each deposit fund based on the usage trend.

[0009] Furthermore, the step of querying the deposit product library based on the fund deposit period to obtain a deposit product list includes: traversing the deposit product library to obtain the deposit conditions of all the deposit products; matching the fund deposit period of each deposit fund with the deposit period indicated in the deposit conditions of each deposit product to obtain a matching result; obtaining product information of each deposit product in the matching result, wherein the product information at least includes a product interest rate, a deposit period and early withdrawal regulations; arranging the deposit products corresponding to all the deposit funds and the product information in a preset order to obtain the deposit product list.

[0010] Furthermore, the step of allocating each deposit fund in the target account to the deposit product based on the fund deposit cycle and the product information of all the deposit products to obtain a deposit plan includes: converting the deposit product list into a matrix mode to obtain a product matrix array, wherein the product matrix array at least includes: product interest rate, deposit period and early withdrawal regulations; calculating the fund ratio based on the fund stock amount of each deposit fund, and generating a fund matrix array based on the fund stock amount, the fund ratio and the fund deposit cycle; generating a collision array based on the product matrix array and the fund matrix array, wherein the collision array includes the matching degree of each deposit fund and each deposit product; based on the matching degree indicated by the collision array, determining the fund allocation ratio and target deposit duration of each deposit fund allocated to each deposit product, and allocating based on the fund allocation ratio to obtain the deposit plan.

[0011] Furthermore, the step of calculating the interest income result of the target account based on the deposit plan and the product information includes: calculating the expected interest income of each deposit fund based on the fund allocation ratio of each deposit fund corresponding to each deposit product in the deposit plan, the target deposit period and the product interest rate; summarizing the expected interest income of all the deposit funds to obtain the interest income result of the target account.

[0012] Furthermore, after calculating the interest income result of the target account based on the deposit plan and the product information, it also includes: obtaining the funds balance information and the current deposit plan in the target account according to a specified update cycle; re-querying the deposit product library based on the funds balance information to obtain the latest deposit product list; adjusting the current deposit plan based on the latest deposit product list to obtain the latest deposit plan, and calculating the latest interest income result based on the latest deposit plan.

[0013] Furthermore, the target account is account A in deposit account AB, and account B is the receiving account of account A. The interest calculation method also includes: analyzing daily expenditure needs based on the account flow information of account B; determining the amount of working capital in account A used to meet the daily expenditure needs of account B, and determining the corresponding amount of deposit funds as working capital; setting the funds deposit period of the working capital to short-term.

[0014] In order to achieve the above-mentioned purpose, according to another aspect of the present application, there is also provided an interest calculation device, which includes: an analysis unit, used to analyze the usage type of each deposit fund in the target account, obtain N types of fund usage types, and determine the fund deposit period of each deposit fund based on the fund usage type, wherein N is a positive integer; a query unit, used to query the deposit product library based on the fund deposit period, and obtain a deposit product list, wherein the deposit product list includes: R deposit products and product information of each of the deposit products, and R is a positive integer; an allocation unit, used to allocate each deposit fund in the target account to R of the deposit products based on the fund deposit period and the product information of all the deposit products, and obtain a deposit plan; a calculation unit, used to calculate the interest income result of the target account based on the deposit plan and the product information.

[0015] Furthermore, the analysis unit includes: a first acquisition module, used to obtain the fund payment status of each deposit fund in the target account within a specified historical period, and determine the usage frequency based on the fund payment status; an input module, used to input the usage frequency and the fund usage type into a preset model, and output a model judgment result, wherein the preset model is a pre-trained machine learning model, and the model judgment result includes a usage trend of each deposit fund output by the preset model within a specified future period; a first determination module, used to determine the fund storage period corresponding to each deposit fund according to the usage trend.

[0016] Furthermore, the query unit includes: a second acquisition module, used to traverse the deposit product library and obtain the storage conditions of all the deposit products; a matching module, used to match the fund storage period of each deposit fund with the storage period indicated in the storage conditions of each deposit product to obtain a matching result; a third acquisition module, used to obtain product information of each deposit product in the matching result, wherein the product information at least includes the product interest rate, storage period and early withdrawal regulations; an arrangement module, used to arrange the deposit products corresponding to all deposit funds and the product information in a preset order to obtain the deposit product list.

[0017] Furthermore, the allocation unit includes: a conversion module, which is used to convert the deposit product list into a matrix mode to obtain a product matrix array, wherein the product matrix array at least includes: product interest rate, deposit period and early withdrawal regulations; a first generation module, which is used to calculate the fund ratio based on the fund stock amount of each deposit fund, and generate a fund matrix array based on the fund stock amount, the fund ratio and the fund deposit period; a second generation module, which is used to generate a collision array based on the product matrix array and the fund matrix array, wherein the collision array includes the matching degree of each deposit fund and each deposit product; a second determination module, which is used to determine the fund allocation ratio and target deposit duration of each deposit fund allocated to each deposit product based on the matching degree indicated by the collision array, and allocate based on the fund allocation ratio to obtain the deposit plan.

[0018] Furthermore, the calculation unit includes: a first calculation module, used to calculate the expected interest income of each deposit fund based on the fund allocation ratio of each deposit fund corresponding to each deposit product in the deposit plan, the target deposit period and the product interest rate; a summary module, used to summarize the expected interest income of all the deposit funds to obtain the interest income result of the target account.

[0019] Furthermore, the interest calculation device also includes: a fourth acquisition module, used to obtain the funds balance information and the current deposit plan in the target account according to a specified update cycle; a query module, used to re-query the deposit product library based on the funds balance information to obtain the latest deposit product list; a second calculation module, used to adjust the current deposit plan based on the latest deposit product list to obtain the latest deposit plan, and calculate the latest interest income result based on the latest deposit plan.

[0020] Furthermore, the target account is account A in deposit account AB, account B is the receiving account of account A, and the interest calculation device also includes: an analysis module, used to analyze daily expenditure needs based on the account flow information of account B; a third determination module, used to determine the amount of working capital in account A used to meet the daily expenditure needs of account B, and determine the corresponding amount of deposit funds as working capital; a setting module, used to set the funds deposit period of the working capital to short-term.

[0021] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a computer-readable storage medium is also provided, wherein the computer-readable storage medium includes a stored computer program, wherein when the computer program is running, the device where the computer-readable storage medium is located is controlled to execute any one of the interest calculation methods described above.

[0022] In order to achieve the above-mentioned purpose, according to another aspect of the present application, an electronic device is also provided, including one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement any one of the interest calculation methods described above.

[0023] The present invention proposes an interest calculation method, which first analyzes the usage type of each deposit fund in a target account to obtain N types of fund usage types, and determines the fund deposit period of each deposit fund based on the fund usage type, wherein N is a positive integer, and then queries a deposit product library based on the fund deposit period to obtain a deposit product list, wherein the deposit product list includes: R deposit products and product information of each deposit product, R is a positive integer, and then allocates each deposit fund in the target account to the R deposit products based on the fund deposit period and the product information of all deposit products to obtain a deposit plan, and finally calculates the interest income result of the target account based on the deposit plan and the product information.

[0024] In the present invention, a dynamic analysis and intelligent matching method is adopted, a deep learning model is combined to predict the trend of fund use, and a collision matrix algorithm is combined to optimize fund allocation. Specifically, a plurality of fund use characteristics are determined by analyzing the use type of each deposit fund in the target account, and the fund deposit cycle of each deposit fund is intelligently predicted based on these characteristics. This method ensures the balance between satisfying liquidity and maximizing returns, and achieves the purpose of personalized configuration of deposit products. Then, based on the fund deposit cycle, a deposit product library is queried, and multiple deposit products matching the needs of each fund and their detailed product information are intelligently screened out. The matching degree between each fund and each deposit product is analyzed by the collision matrix algorithm, and the allocation of funds among different deposit products is optimized, and the optimal deposit plan is generated. The interest income result of the target account is accurately calculated, and the technical effect of improving fund utilization and user benefits is achieved, and a more efficient and intelligent way of adding value to the funds is provided for the A account in the deposit AB account management, thereby achieving the technical effect of providing users with a more flexible and competitive deposit interest calculation strategy and maximizing the user's investment return, thereby solving the technical problem that the deposit interest calculation in the related technology is single and the interest calculation method cannot be customized according to different needs and fund dynamics, resulting in reduced user benefits. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] The drawings constituting a part of the present application are used to provide a further understanding of the present application. The illustrative embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0026] Figure 1A hardware structure block diagram of a computer terminal for implementing an interest calculation method is shown;

[0027] Figure 2 is a flow chart of an optional interest calculation method according to an embodiment of the present invention;

[0028] Figure 3 is a flow chart of a method for generating an optional deposit scheme according to an embodiment of the present invention;

[0029] Figure 4 is a flow chart of an optional method for dynamically adjusting interest income according to an embodiment of the present invention;

[0030] Figure 5 is a flow chart of an optional deposit scheme generation method based on a collision matrix algorithm according to an embodiment of the present invention;

[0031] Figure 6 is a schematic diagram of an optional interest calculation device according to an embodiment of the present invention;

[0032] Figure 7 The invention is a structural block diagram of an electronic device for executing an interest calculation method according to an embodiment of the present invention. DETAILED DESCRIPTION

[0033] 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.

[0034] 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 interchanged 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 variations thereof 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.

[0035] To facilitate those skilled in the art to understand the present invention, some terms or nouns involved in the embodiments of the present invention are explained below:

[0036] Deep learning model, an artificial intelligence technology, is a subset of machine learning. It processes and analyzes complex data by simulating the neural network structure of the human brain. In the present invention, the deep learning model is used to analyze the historical use of each deposit fund in the account, predict future deposit cycles, and provide a basis for the intelligent allocation of funds.

[0037] The collision matrix algorithm, in the present invention, refers to an algorithm for comparing and matching different data sets (such as deposit funds and deposit product information). By converting product information and fund information into matrix form and performing specific operations (such as matrix multiplication), the collision matrix algorithm can quantify the degree of matching between deposit funds and various deposit products, providing data support for the optimal allocation strategy of funds.

[0038] Deposit AB account is a mode of enterprise financial management and fund control, which distinguishes the management and use of funds by setting up account A and account B. Account A is controlled by the company and is mainly used for centralized storage of funds and outward payments; account B is for daily use of the project, and funds can only be transferred from account A.

[0039] It should be noted that the interest calculation method and device thereof in the present application can be used in the field of financial technology to perform intelligent fund allocation and yield optimization for deposit accounts AB, and can also be used in any field other than the field of financial technology to perform intelligent fund allocation and yield optimization for deposit accounts AB. The application field of the interest calculation method and device thereof is not limited in the present application.

[0040] It should be noted that the relevant information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, processing, transmission, provision, disclosure, use and processing of the relevant data comply with the laws, regulations and standards of the relevant regions, take necessary confidentiality measures, do not violate public order and good customs, and provide corresponding operation entrances for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or organizations. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned user or organization through the interface, and obtain relevant information after receiving the consent information fed back by the aforementioned user or organization.

[0041] The information collection (for example, user voice, video, and text collection) and analysis operations involved in this application have provided users with corresponding operation entrances when they are executed, allowing users to choose to agree or reject the automated decision-making results; if the user chooses to reject, the expert decision-making process will be entered.

[0042] The following embodiments of the present invention can be applied to various systems / applications / devices that require fund management and interest income optimization, and can realize intelligent dynamic adjustment of deposit interest. The present invention uses a deep learning model to analyze the type of fund use, and then optimally configures the funds through a collision matrix algorithm, which can better match user needs and deposit products, thereby improving the efficiency of fund use and user benefits.

[0043] The present invention is described in detail below in conjunction with various embodiments.

[0044] Embodiment 1

[0045] According to an embodiment of the present invention, an embodiment of an interest calculation method is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0046] The interest calculation method embodiment provided in the first embodiment of the present invention can be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1 FIG. 1 shows a hardware structure block diagram of a computer terminal (or mobile device) for implementing an interest calculation method. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more (102a, 102b, ..., 102n are used to illustrate) processors 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera. It can be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations are shown.

[0047] It should be noted that the one or more processors 102 and / or other data processing circuits described above may generally be referred to herein as "data processing circuits". The data processing circuits may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuit may be a single independent processing module, or may be incorporated in whole or in part into any of the other components in the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0048] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the interest calculation method in the embodiment of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, realizing the above-mentioned interest calculation method. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories may be connected to the computer terminal 10 via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0049] The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0050] The display may be, for example, a touch screen liquid crystal display (LCD) that enables a user to interact with a user interface of the computer terminal 10 (or mobile device).

[0051] Under the above operating environment, the present invention provides Figure 2The interest calculation method shown in the figure is implemented by a financial system or a dynamic interest adjustment system. It is combined with artificial intelligence technology and applied to fund management and optimization scenarios in the field of financial technology, especially to deal with the interest income problem of deposit accounts AB. When the fund demand and market conditions change, the user's deposit strategy is dynamically adjusted to ensure that the funds can obtain maximum returns while meeting liquidity needs. According to the user's transaction history, fund stock and expected financial goals, a personalized interest income optimization plan is customized for each user to achieve the purpose of increasing the user's fund income, enhancing the attractiveness of financial institutions to customers and increasing customer stickiness.

[0052] The embodiment of the present invention is described in detail below in conjunction with various specific steps.

[0053] Figure 2 is a flow chart of an optional interest calculation method according to an embodiment of the present invention, such as Figure 2 As shown, the method comprises the following steps:

[0054] Step S201, analyzing the usage type of each deposit fund in the target account, obtaining N types of fund usage types, and determining the fund storage period of each deposit fund based on the fund usage type, where N is a positive integer.

[0055] Specifically, the target account refers to a specific financial institution account that the dynamic interest adjustment system pays attention to and analyzes, which is usually part of the deposit AB account management, that is, account A in the account system of account A (owner settlement fund account) and account B (project use fund account). There are usually multiple types of deposit funds in the target account to facilitate the target account to serve complex business scenarios and diverse funding needs.

[0056] An exemplary type of fund use includes, but is not limited to: project-specific funds, daily operating funds, reserve funds, investment funds, and settlement funds.

[0057] Among them, project-specific funds refer to counterpart funds set up for a certain project, which are closely related to the project progress and project budget, and usually include advance payments, project fees, material fees, etc. The frequency and cycle of use are affected by the specific circumstances of the project implementation; daily operating funds are mainly used for the company's daily operating expenses, such as salary payments, office expenses, service fees, etc. The frequency of use is usually high and relatively regular, and it is necessary to maintain high liquidity to cope with expenditure needs anytime and anywhere; reserve funds are reserves established by the company to deal with unforeseen emergencies or future funding needs. The frequency of use is relatively low and has high requirements for security; investment funds are used for investment and financial management, with a longer use cycle and expected returns higher than ordinary deposits. The use and deposit of investment funds need to be flexibly adjusted according to market conditions and investment strategies; settlement funds refer to funds used for settlement with owners, suppliers, partners, etc. The frequency and cycle of use are affected by settlement agreements and project progress.

[0058] Therefore, each type of fund usage corresponds to a specific usage frequency and fund demand pattern. In an embodiment of the present invention, the dynamic interest adjustment method identifies these different types of deposit funds and matches the most suitable deposit product for each type of funds according to their respective usage characteristics and expected usage cycles, so as to achieve efficient management of funds and maximize returns. Specifically, analyzing the type of fund usage is crucial for predicting the fund storage cycle and selecting matching deposit products.

[0059] Furthermore, the fund deposit period refers to the length of time that the deposit funds are expected to stay in the target account. The fund deposit period in the embodiment of the present invention is determined according to the type of fund use and user attributes. User attributes refer to the financial status, risk preference, investment habits, fund liquidity requirements, deposit purpose, etc. of the holder of the target account. The fund deposit period is a key factor in determining how funds are allocated to different deposit products to obtain the optimal interest income.

[0060] Optionally, the step of determining the funds storage period of each deposit fund based on the funds usage type in step S201 includes: obtaining the funds payment situation of each deposit fund in the target account within a specified historical period, and determining the usage frequency based on the funds payment situation; inputting the usage frequency and the funds usage type into a preset model, and outputting the model judgment result, wherein the preset model is a pre-trained machine learning model, and the model judgment result includes the usage trend of each deposit fund output by the preset model within a specified future period; determining the funds storage period corresponding to each deposit fund according to the usage trend.

[0061] It should be noted that the fund payment situation within the specified historical period refers to the payment activity record of each deposit fund in the target account, including: each transaction behavior, transaction timestamp, transaction amount and transaction type (such as salary payment, bill payment, investment, etc.). Determining the usage frequency based on the fund payment situation refers to statistically analyzing the above payment activity records to determine the number of transactions, total transaction amount, average transaction interval duration, average number of transactions per day, etc. within the specified time period, and then comparing the frequency determination rules to determine whether the usage frequency of the deposit funds is high frequency, medium frequency or low frequency, and the usage frequency can be further accurately quantified using values ​​in [0,1].

[0062] Another thing that needs to be explained is that the training data used by the preset model in the embodiment of the present invention during the model training stage are the usage frequency and fund usage type in the historical data. The model learns the future usage patterns of different types of funds at different usage frequencies, including identifying that certain fund usage types tend to maintain stable usage patterns at specific usage frequencies, while other types may exhibit more dynamic or unpredictable usage patterns; in the application stage, the preset model uses the usage frequency and fund usage type of each deposit fund in the target account as input, and outputs a future usage trend forecast for each deposit fund based on the pattern learned during training, including an estimate of whether the funds will be frequently used, when they may be used, and the possible usage amount. This future usage trend forecast will guide the setting of the deposit period of the funds. Specifically, a shorter deposit period is recommended for funds predicted to have high liquidity demand to ensure the immediate availability of the funds, while a longer deposit period is recommended for funds predicted to have low liquidity demand, so as to facilitate the use of this part of the funds for time deposits or other investments to increase user returns.

[0063] Through the above steps, the intelligence level and economic benefits of fund management have been significantly improved. Specifically, the frequency of fund use is precisely portrayed based on the payment of deposit funds in a specified historical period, and the trend of fund use in future periods is predicted based on the pre-trained machine learning model, providing forward-looking data support for interest optimization. The deposit period of each deposit fund is dynamically adjusted according to the predicted usage trend, realizing flexible allocation of funds and maximizing returns, greatly enhancing the liquidity management of funds, avoiding the opportunity cost loss caused by idle funds or excessive withdrawals, and providing users with a more personalized and efficient financial service experience, especially in the deposit AB account management scenario, which can effectively balance the project fund demand and interest income, realize the maximum benefit of funds, and improve the efficiency of fund management and the economic benefits of enterprises as a whole.

[0064] Optionally, the target account is account A in deposit account AB, and account B is the receiving account of account A. The interest calculation method also includes: analyzing daily expenditure needs based on the account flow information of account B; determining the amount of working capital in account A used to meet the daily expenditure needs of account B, and determining the corresponding amount of deposit funds as working capital; setting the funds deposit period of working capital to short-term.

[0065] It should be noted that the account flow information of account B refers to the detailed record of all transaction activities of account B within a certain time range, including but not limited to the time, amount, transaction type and counterparty information of each transaction such as fund transfer, transfer, consumption and payment, which provides a comprehensive perspective on the use of funds in account B and is the basic data for analyzing daily expenditure needs. Daily expenditure needs refer to the average amount of funds required by account B to meet daily operating expenses or personal living expenses during normal operations or life cycles. For example, for enterprises, daily expenses may include employee wages, rent, purchase of office supplies, etc. For individuals, they may include transportation fees, catering expenses, daily shopping, etc.

[0066] In the embodiment of the present invention, the amount of liquid funds that must be maintained in account A is determined based on the analysis of the daily expenditure needs of account B to ensure that the daily expenses of account B can be met in a timely manner. The deposits in account A that exceed this amount of liquid funds are then divided into different fund categories based on their usage type predictions and storage cycle analysis, and managed using corresponding interest strategies.

[0067] For example, the liquidity deposit period for meeting the daily expenditure needs of Account B is set to a short term so as to respond to the funding needs of Account B at any time. The remaining funds can be deposited for a longer period based on their predicted usage period to obtain higher interest income. The above process not only ensures that there is sufficient liquidity in Account A, but also continuously monitors and predicts changes in expenditure needs through the account flow information of Account B, and dynamically adjusts the amount of liquidity to achieve efficient use of funds and maximize interest.

[0068] Step S202, querying the deposit product library based on the fund deposit period to obtain a deposit product list, wherein the deposit product list includes: R deposit products and product information of each deposit product, where R is a positive integer.

[0069] Specifically, the deposit product library refers to a collection of various deposit product information provided by financial institutions, where the deposit products include but are not limited to: time deposits, demand deposits, notice deposits, structured deposits, etc. Each product has corresponding product information, including but not limited to: product interest rate, deposit period and early withdrawal regulations, etc. The deposit product library is an important data source for intelligently selecting the deposit product that is most suitable for deposit funds in the embodiments of the present invention.

[0070] Optionally, step S202 includes: traversing the deposit product library to obtain the storage conditions of all deposit products; matching the fund storage period of each deposit fund with the storage period indicated in the storage conditions of each deposit product to obtain a matching result; obtaining product information of each deposit product in the matching result, wherein the product information includes at least the product interest rate, storage period and early withdrawal regulations; arranging the deposit products and product information corresponding to all deposit funds in a preset order to obtain a deposit product list.

[0071] It should be noted that deposit conditions are a series of deposit rules and requirements established by financial institutions for different types of deposit products, including but not limited to: minimum deposit amount, deposit period, early withdrawal regulations, interest calculation method and other details. For example, the interest rate of fixed deposits is higher, and a minimum deposit amount is required. In addition, withdrawals cannot be made at will within the set deposit period, otherwise there will be penalty interest or interest loss. However, there is no minimum deposit amount limit for demand deposits, and funds can be deposited and withdrawn at any time, but their interest rates are usually lower.

[0072] In an embodiment of the present invention, the deposit period indicated in the deposit conditions refers to the fixed or recommended deposit period set for each deposit product. By matching the deposit period of the deposit funds with the deposit period of the deposit product, a deposit product can be found that satisfies the flexibility of fund use and provides higher returns, thereby bringing more optimized interest returns to users or enterprises.

[0073] Another thing that needs to be explained is that the purpose of arranging products in a preset order is to optimize interest income and fund management efficiency. The preset order can refer to arranging products from high to low according to product interest rates, which is used to ensure that deposit funds are first matched to deposit products with higher interest rates to obtain the maximum interest income; or, the preset order can also be arranged from loose to strict according to early withdrawal conditions, which is used to ensure the balance between flexible use of funds and maximum income. The embodiment of the present invention does not make specific provisions for the preset order, which can be determined in combination with actual application scenarios and application requirements in the application.

[0074] Through the above steps, the user's deposit period and the deposit conditions of the deposit products are intelligently matched, especially the precise alignment of the deposit period, which effectively avoids the mismatch between fund use and deposit period and reduces unnecessary financial costs. Product information is obtained and sorted, and deposit products with high interest rates and that meet user needs are recommended first, which significantly improves the flexibility and profitability of fund management, provides users with personalized and intelligent deposit optimization solutions, and achieves the dual goals of maximizing fund liquidity and profitability.

[0075] Step S203, allocating each deposit fund in the target account to R deposit products based on the fund deposit cycle and product information of all deposit products to obtain a deposit plan.

[0076] It should be noted that allocating deposit funds to deposit products means dividing and investing the funds into the most matching deposit products based on the storage period of each deposit fund and the conditions and interest rates of various deposit products in the deposit product library (such as demand deposits, time deposits, notice deposits, etc.).

[0077] Figure 3 is a flow chart of a method for generating an optional deposit scheme according to an embodiment of the present invention, such as Figure 3 As shown, the generation method includes the following steps:

[0078] Step S301, converting the deposit product list into a matrix mode to obtain a product matrix array, wherein the product matrix array at least includes: product interest rate, deposit period and early withdrawal regulations.

[0079] Specifically, in step S301, the product matrix array contains key information of each deposit product, such as product interest rate, deposit period and early withdrawal provisions. Each row can be set to represent a deposit product, and each column corresponds to a product attribute, thereby establishing an intuitive data structure to facilitate subsequent calculations and matching.

[0080] Step S302, calculate the fund ratio based on the fund stock amount of each deposit fund, and generate a fund matrix array based on the fund stock amount, fund ratio and fund deposit period.

[0081] Specifically, the proportion of each deposit fund in the total account funds is calculated based on the amount of funds in the account in order to understand the distribution and importance of the funds. Then, the funds matrix array is generated in combination with the funds storage period (i.e., the time during which the funds are not expected to be used). Each row of the funds matrix array can be set to represent a deposit fund, and each column contains information such as the amount of funds in stock, the proportion of funds, the funds storage period, etc., which clearly reflects the characteristics and needs of each fund.

[0082] Step S303, generating a collision array based on the product matrix array and the fund matrix array, wherein the collision array includes the matching degree between each deposit fund and each deposit product.

[0083] Specifically, step S303 generates a collision array based on the product matrix array and the fund matrix array. The array contains the matching degree of each deposit fund and each deposit product. This collision process is essentially to compare the deposit period of the fund with the deposit period of the deposit product through an algorithm, and to calculate the expected return and risk when the funds are allocated to different products by considering conditions such as product interest rates. The generation of the collision array is the core of intelligent fund allocation, which ensures that the fund allocation plan not only meets the fund use characteristics, but also maximizes the benefits.

[0084] Step S304, based on the matching degree indicated by the collision array, determine the fund allocation ratio and target deposit duration of each deposit fund allocated to each deposit product, and allocate based on the fund allocation ratio to obtain a deposit plan.

[0085] Specifically, step S304 determines the proportion of each deposit fund allocated to different deposit products and the target storage period of each part of the funds based on the matching degree in the collision array, fully considers the liquidity demand and profit potential of the funds, and determines the optimal fund allocation strategy through precise calculation.

[0086] For example, funds with high liquidity requirements may be allocated to current or short-term deposit products, while long-term idle funds may be allocated to time deposit products with higher interest rates, ultimately generating a deposit plan.

[0087] Through the above steps S301 to S304, the deposit product list is converted into a product matrix array, and a collision array is generated in combination with the fund matrix array to evaluate the matching degree, thereby realizing the intelligent and personalized allocation of user deposit funds. Not only is the deposit product accurately matched based on the fund stock and deposit period to ensure the efficient use of funds and maximize the return, but also the balance between fund liquidity and profitability is coordinated by calculating the fund allocation ratio and the target deposit period, thus avoiding the limitations of the traditional single deposit method, providing users with a more flexible and high-yield fund management strategy, and greatly improving the intelligent level of fund management and user satisfaction.

[0088] Step S204, calculating the interest income result of the target account based on the deposit plan and product information.

[0089] Optionally, step S204 includes: calculating the expected interest income of each deposit fund based on the fund allocation ratio of each deposit fund to each deposit product in the deposit plan, the target deposit period and the product interest rate; summarizing the expected interest income of all deposit funds to obtain the interest income result of the target account.

[0090] For example, the total amount of deposit funds is RMB 10,000, the proportion allocated to the time deposit product is 80%, and the target deposit period is 1 year. Then the actual deposit amount in the time deposit product is RMB 8,000, and the deposit period is 1 year. The expected interest income is calculated by applying the product interest rate, usually following the compound interest or simple interest calculation formula, depending on the interest calculation method of the deposit product. Taking simple interest calculation as an example, the expected interest income calculation formula is: Expected interest income = actual deposit amount × (product interest rate / 100) × deposit period, that is, assuming that the annual interest rate of the time deposit product is 2%, for the above deposit amount of RMB 8,000, the expected interest income within 1 year is 8,000 × 2% × 1 = RMB 160.

[0091] Through the above steps, the expected interest income of each deposit fund under different products can be accurately calculated, and the overall account income result can be comprehensively summarized. The beneficial effect is that the level of refinement of fund management and the transparency of user income are significantly improved.

[0092] The embodiment of the present invention can not only quantify the potential return of each fund based on the fund allocation ratio, target deposit period and product interest rate, but also ensure the accuracy of the profit calculation, avoid the limitations of the traditional single calculation method, and enable users to intuitively understand the profit differences brought by different fund strategies, which is convenient for making better fund allocation decisions. At the same time, it enhances users' trust and satisfaction in fund management and achieves dual optimization of fund returns and liquidity management.

[0093] In order to ensure that the user's deposit plan always remains in the optimal state, it can also be combined with periodically updated funds balance information and deposit product conditions. Optionally, after executing step S204, it also includes: obtaining the funds balance information and the current deposit plan in the target account according to the specified update period; re-querying the deposit product library based on the funds balance information to obtain the latest deposit product list; adjusting the current deposit plan based on the latest deposit product list to obtain the latest deposit plan, and calculating the latest interest income result based on the latest deposit plan.

[0094] Specifically, the latest fund stock information in the target account is automatically collected and analyzed at pre-set time intervals (such as weekly or monthly), which may include: the current balance of the target account, fund inflows and outflows, etc.

[0095] It should be noted that the deposit product library may be updated due to changes in market interest rates, the launch of new products or the removal of old products. Re-querying the deposit products can obtain the latest list of deposit products on the current market. By analyzing the latest list of deposit products, you can identify products that may better meet user needs and provide higher return opportunities for funds.

[0096] The process of adjusting the current deposit plan may involve recalculating the fund allocation ratio, matching the most suitable deposit product according to product conditions and fund characteristics, generating the latest deposit plan and recalculating the expected interest income results to ensure that users can obtain maximum returns based on the latest market conditions and fund status.

[0097] The embodiment of the present invention can realize dynamic adjustment of user deposit strategies through the above steps, and can ensure the optimality and high profitability of deposit plans even when market conditions change or user fund status is updated. The periodic update mechanism not only enhances the flexibility and adaptability of the system, but also provides users with continuously optimized fund management services, thereby maximizing fund returns in a constantly changing financial environment.

[0098] Through the above steps S201 to S204, the usage type of each deposit fund in the target account can be analyzed first to obtain N types of fund usage types, and the fund placement period of each deposit fund can be determined based on the fund usage type, where N is a positive integer. Then, the deposit product library is queried based on the fund placement period to obtain a deposit product list, where the deposit product list includes: R deposit products and product information of each deposit product, where R is a positive integer. Then, based on the fund placement period and the product information of all deposit products, each deposit fund in the target account is allocated to R deposit products to obtain a deposit plan. Finally, the interest income result of the target account is calculated based on the deposit plan and the product information.

[0099] In the embodiment of the present invention, a dynamic analysis and intelligent matching method is adopted, a deep learning model is combined to predict the trend of fund use, and a collision matrix algorithm is combined to optimize fund allocation. Specifically, a plurality of fund use characteristics are determined by analyzing the use type of each deposit fund in the target account, and the fund deposit cycle of each deposit fund is intelligently predicted based on these characteristics. This method ensures the balance between satisfying liquidity and maximizing returns, and achieves the purpose of personalized configuration of deposit products. Then, based on the fund deposit cycle, a deposit product library is queried, and multiple deposit products matching the needs of each fund and their detailed product information are intelligently screened out. The matching degree between each fund and each deposit product is analyzed by the collision matrix algorithm, and the allocation of funds among different deposit products is optimized, and the optimal deposit plan is generated. The interest income result of the target account is accurately calculated, and the technical effect of improving fund utilization and user benefits is achieved, and a more efficient and intelligent way of adding value to the funds is provided for the A account in the deposit AB account management, thereby achieving the technical effect of providing users with a more flexible and competitive deposit interest calculation strategy and maximizing the user's investment return, thereby solving the technical problem that the deposit interest calculation in the related technology is single and the interest calculation method cannot be customized according to different needs and fund dynamics, resulting in reduced user benefits.

[0100] The present invention is described below in conjunction with another specific implementation manner.

[0101] In the prior art, deposit income mainly comes from interest. Due to the unique usage characteristics of the funds in deposit accounts AB, account A usually has a large amount of funds. Due to the deposit characteristics of these funds, the interest is mostly calculated in a current manner, and the interest is usually low. The prior art lacks a method for calculating and allocating interest on dynamic payment accounts such as account A.

[0102] The embodiment of the present invention aims to solve the problem of single interest calculation in the prior art and provide a method for dynamically adjusting interest income. Figure 4 is a flow chart of an optional method for dynamically adjusting interest income according to an embodiment of the present invention. Figure 4 As shown, the method comprises the following steps:

[0103] Step S401, determining the usage type of each part of the funds in the user account according to the user transaction information and deposit registration information.

[0104] It should be noted that the user account, i.e. the target account in the above-mentioned embodiment 1, refers to a specific financial institution account that the dynamic interest adjustment system pays attention to and analyzes, and here specifically refers to the A account in the deposit AB account management. The types of use of each part of the funds include but are not limited to: project-specific funds, daily operating funds, reserves, investment funds and settlement funds.

[0105] User transaction information refers to all transaction records of users within a certain period of time, including but not limited to details of inflow and outflow of funds, transaction frequency, transaction amount, transaction time, transaction type (such as transfer, consumption, investment, cash withdrawal, etc.), counterparty information, etc. Deposit registration information refers to the conditions clearly specified by the user when making a deposit, including but not limited to the source of the deposit, the purpose of the deposit, the expected deposit period, whether it can be withdrawn in advance, whether it is automatically transferred, etc., and also includes personal information provided by the user when registering or using bank services, such as age, occupation, income level, risk tolerance, etc.

[0106] User transaction information and deposit registration information are used at least to determine user attributes, which include: user's financial status, risk preference, investment habits, liquidity needs, deposit purpose, etc., to build a personalized financial profile of the user.

[0107] Step S402, determining the storage period corresponding to each part of the funds according to the usage type and user attributes.

[0108] Step S403, determining all matching deposit products from the current product library according to the deposit period, and determining the product interest rate and product conditions.

[0109] It should be noted that step S403 may include: retrieving product information of all products in the current product library that meet the storage period; extracting corresponding product interest rates and product conditions based on the product information, and sorting them in a preset order (for example, in order of product interest rates from large to small) to obtain product sorting information.

[0110] Step S404, combining various funds and all deposit products according to product interest rates and product conditions to obtain a deposit plan.

[0111] Based on step S403, step S404 may include: according to product conditions (minimum deposit amount of deposit products, deposit term, early withdrawal regulations, etc.), the funds in the user account are disassembled one by one in order from large to small according to the product interest rate, and products are matched separately when there is surplus funds.

[0112] In addition, the step of generating a deposit plan may also include: adjusting the combination of various funds according to the update of product interest rates and product conditions to obtain an updated deposit plan; comparing the returns of the updated deposit plan with those of the deposit plan before the update, and when the return of the updated deposit plan is higher, generating recommendation information based on the updated deposit plan; and sending the recommendation information to the terminal held by the user.

[0113] Alternatively, in step S404, the matrix mode may be used to convert the product interest rate and product conditions into a matrix array, and then the amount and deposit period of each part of the funds are converted into a collision array, and the final deposit plan is determined by the collision calculation results of the matrix array and the collision array. Specifically, Figure 5 is a flowchart of an optional deposit scheme generation method based on a collision matrix algorithm according to an embodiment of the present invention, such as Figure 5 As shown, the method comprises the following steps:

[0114] Step S501, obtaining the fund balance information of each part of the funds under the user account;

[0115] Specifically, the fund stock information refers to the total amount of funds currently held in the account and the distribution of each part of funds at a specific time point or time period. In the scenario of deposit AB account management, the fund stock information at least includes: the amount of funds and the usage cycle. The usage cycle refers to the expected usage period of each part of funds when it is initially deposited into the user's account.

[0116] Step S502, determining the proportion of each part of funds in a preset period according to the fund stock information;

[0117] It should be noted that the preset period refers to the preset time frame specified when formulating the deposit plan, that is, the deposit period. Calculating the proportion of funds refers to calculating the proportion of each part of the remaining funds in the user's account at different periods in the preset period relative to the total remaining funds, or calculating the proportion of funds of different types / natures (such as working capital, reserve funds, project-specific funds, etc.) in the total funds.

[0118] Step S503, determining a deposit plan based on the capital proportion and the deposit period corresponding to each portion of the capital.

[0119] It should be noted that the most suitable deposit products are matched to the different nature / types of funds in the user's account according to the different proportions of funds. For example, highly liquid funds may be matched with short-term or current interest products, while relatively stable reserve funds may be matched with long-term or periodic interest products.

[0120] The dynamic adjustment method of interest income provided in the implementation mode of the present invention can provide more deposit product matching plans for the funds in the user's account, thereby increasing the user's actual income. The staff only needs less workload to complete the analysis of multiple types of data, and then determine a personalized plan that is more suitable for the user, providing the user with more choices and improving user satisfaction.

[0121] The present invention is described below in conjunction with another optional embodiment.

[0122] Embodiment 2

[0123] An embodiment of the present invention also provides an interest calculation device. It should be noted that the interest calculation device of the embodiment of the present invention includes multiple implementation units, which can be used to execute the interest calculation method provided in the above-mentioned embodiment one, and each implementation unit corresponds to each implementation step in the above-mentioned embodiment one.

[0124] Figure 6 is a schematic diagram of an optional interest calculation device according to an embodiment of the present invention, such as Figure 6 As shown, the device may include: an analyzing unit 61 , a querying unit 62 , an allocating unit 63 , and a calculating unit 64 .

[0125] The analysis unit 61 is used to analyze the usage type of each deposit fund in the target account, obtain N types of fund usage types, and determine the fund storage period of each deposit fund based on the fund usage type, wherein N is a positive integer.

[0126] The query unit 62 is used to query the deposit product library based on the fund deposit period to obtain a deposit product list, wherein the deposit product list includes: R deposit products and product information of each deposit product, where R is a positive integer.

[0127] The allocation unit 63 is used to allocate each deposit fund in the target account to R deposit products based on the fund deposit cycle and product information of all deposit products to obtain a deposit plan.

[0128] The calculation unit 64 is used to calculate the interest income result of the target account based on the deposit plan and product information.

[0129] The above-mentioned interest calculation device can use the calculation unit 64 to first analyze the usage type of each deposit fund in the target account through the analysis unit 61 to obtain N types of fund usage types, and determine the fund deposit period of each deposit fund based on the fund usage type, where N is a positive integer, and then use the query unit 62 to query the deposit product library based on the fund deposit period to obtain a deposit product list, where the deposit product list includes: R deposit products and product information of each deposit product, R is a positive integer, and then use the allocation unit 63 to allocate each deposit fund in the target account to R deposit products based on the fund deposit period and the product information of all deposit products to obtain a deposit plan, and finally use the calculation unit 64 to calculate the interest income result of the target account based on the deposit plan and product information.

[0130] In the embodiment of the present invention, a dynamic analysis and intelligent matching method is adopted, a deep learning model is combined to predict the trend of fund use, and a collision matrix algorithm is combined to optimize fund allocation. Specifically, a plurality of fund use characteristics are determined by analyzing the use type of each deposit fund in the target account, and the fund deposit cycle of each deposit fund is intelligently predicted based on these characteristics. This method ensures the balance between satisfying liquidity and maximizing returns, and achieves the purpose of personalized configuration of deposit products. Then, based on the fund deposit cycle, a deposit product library is queried, and multiple deposit products matching the needs of each fund and their detailed product information are intelligently screened out. The matching degree between each fund and each deposit product is analyzed by the collision matrix algorithm, and the allocation of funds among different deposit products is optimized, and the optimal deposit plan is generated. The interest income result of the target account is accurately calculated, and the technical effect of improving fund utilization and user benefits is achieved, and a more efficient and intelligent way of adding value to the funds is provided for the A account in the deposit AB account management, thereby achieving the technical effect of providing users with a more flexible and competitive deposit interest calculation strategy and maximizing the user's investment return, thereby solving the technical problem that the deposit interest calculation in the related technology is single and the interest calculation method cannot be customized according to different needs and fund dynamics, resulting in reduced user benefits.

[0131] Optionally, the analysis unit includes: a first acquisition module, used to obtain the fund payment status of each deposit fund in the target account within a specified historical period, and determine the usage frequency based on the fund payment status; an input module, used to input the usage frequency and fund usage type into a preset model, and output a model judgment result, wherein the preset model is a pre-trained machine learning model, and the model judgment result includes the usage trend of each deposit fund output by the preset model within a specified future period; a first determination module, used to determine the fund storage period corresponding to each deposit fund based on the usage trend.

[0132] Optionally, the query unit includes: a second acquisition module, used to traverse the deposit product library and obtain the storage conditions of all deposit products; a matching module, used to match the fund storage period of each deposit fund with the storage period indicated in the storage conditions of each deposit product to obtain a matching result; a third acquisition module, used to obtain product information of each deposit product in the matching result, wherein the product information includes at least the product interest rate, storage period and early withdrawal regulations; an arrangement module, used to arrange the deposit products and product information corresponding to all deposit funds in a preset order to obtain a deposit product list.

[0133] Optionally, the allocation unit includes: a conversion module, which is used to convert the deposit product list into a matrix mode to obtain a product matrix array, wherein the product matrix array at least includes: product interest rate, deposit period and early withdrawal regulations; a first generation module, which is used to calculate the fund ratio based on the fund stock amount of each deposit fund, and generate a fund matrix array based on the fund stock amount, fund ratio and fund deposit period; a second generation module, which is used to generate a collision array based on the product matrix array and the fund matrix array, wherein the collision array includes the matching degree of each deposit fund and each deposit product; a second determination module, which is used to determine the fund allocation ratio and target deposit duration of each deposit fund allocated to each deposit product based on the matching degree indicated by the collision array, and allocate based on the fund allocation ratio to obtain a deposit plan.

[0134] Optionally, the calculation unit includes: a first calculation module, used to calculate the expected interest income of each deposit fund based on the fund allocation ratio of each deposit fund corresponding to each deposit product in the deposit plan, the target deposit period and the product interest rate; and a summary module, used to summarize the expected interest income of all deposit funds to obtain the interest income result of the target account.

[0135] Optionally, the interest calculation device also includes: a fourth acquisition module, used to obtain the funds balance information and the current deposit plan in the target account according to a specified update cycle; a query module, used to re-query the deposit product library based on the funds balance information to obtain the latest deposit product list; a second calculation module, used to adjust the current deposit plan based on the latest deposit product list, obtain the latest deposit plan, and calculate the latest interest income result based on the latest deposit plan.

[0136] Optionally, the target account is account A in deposit account AB, and account B is the receiving account of account A. The interest calculation device also includes: an analysis module, which is used to analyze daily expenditure needs based on the account flow information of account B; a third determination module, which is used to determine the amount of working capital in account A used to meet the daily expenditure needs of account B, and determine the corresponding amount of deposit funds as working capital; a setting module, which is used to set the funds deposit period of working capital to short-term.

[0137] It should be noted that the above-mentioned analysis unit 61, query unit 62, allocation unit 63, and calculation unit 64 correspond to steps S201 to S204 in the first embodiment, and the above-mentioned units and corresponding steps implement the same examples and application scenarios, but are not limited to the contents disclosed in the first embodiment. It should be noted that the above-mentioned modules or units may be hardware components or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n), and the above-mentioned modules or units may also be part of a device and may be run in the computer terminal 10 provided in the first embodiment.

[0138] The present invention is described below in conjunction with another optional embodiment.

[0139] Embodiment 3

[0140] An embodiment of the present invention may also provide an electronic device, Figure 7 is a structural block diagram of an electronic device for executing an interest calculation method according to an embodiment of the present invention. Figure 7 As shown, the electronic device may include: one or more ( Figure 7 (only one is shown) processor 702, memory 704, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0141] Among them, the memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the interest calculation method and device in the embodiment of the present application. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, realizing the above-mentioned interest calculation method. The memory may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include a memory remotely arranged relative to the processor, and these remote memories can be connected to the terminal via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0142] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: analyze the usage type of each deposit fund in the target account to obtain N types of fund usage, and determine the fund placement period of each deposit fund based on the fund usage type, where N is a positive integer; query the deposit product library based on the fund placement period to obtain a deposit product list, where the deposit product list includes: R deposit products and product information of each deposit product, where R is a positive integer; allocate each deposit fund in the target account to R deposit products based on the fund placement period and the product information of all deposit products to obtain a deposit plan; calculate the interest income result of the target account based on the deposit plan and the product information.

[0143] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: obtain the fund payment status of each deposit fund in the target account within a specified historical period, and determine the usage frequency based on the fund payment status; input the usage frequency and fund usage type into a preset model, and output the model judgment result, wherein the preset model is a pre-trained machine learning model, and the model judgment result includes the usage trend of each deposit fund output by the preset model within a specified future period; determine the fund storage period corresponding to each deposit fund based on the usage trend.

[0144] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: query the deposit product library based on the funds deposit period to obtain a deposit product list, including: traversing the deposit product library to obtain the deposit conditions of all deposit products; matching the funds deposit period of each deposit fund with the storage period indicated in the storage conditions of each deposit product to obtain a matching result; obtaining product information of each deposit product in the matching result, wherein the product information at least includes the product interest rate, storage period and early withdrawal regulations; arranging the deposit products and product information corresponding to all deposit funds in a preset order to obtain a deposit product list.

[0145] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: based on the fund deposit cycle and the product information of all deposit products, each deposit fund in the target account is allocated to the deposit product to obtain a deposit plan, including: converting the deposit product list into a matrix mode to obtain a product matrix array, wherein the product matrix array at least includes: product interest rate, deposit period and early withdrawal regulations; calculating the fund ratio based on the fund stock amount of each deposit fund, and generating a fund matrix array based on the fund stock amount, fund ratio and fund deposit cycle; generating a collision array based on the product matrix array and the fund matrix array, wherein the collision array contains the matching degree of each deposit fund and each deposit product; based on the matching degree indicated by the collision array, determining the fund allocation ratio and target deposit duration of each deposit fund allocated to each deposit product, and allocating based on the fund allocation ratio to obtain a deposit plan.

[0146] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: the step of calculating the interest income result of the target account based on the deposit plan and product information, including: calculating the expected interest income of each deposit fund based on the fund allocation ratio of each deposit fund to each deposit product in the deposit plan, the target deposit period and the product interest rate; summarizing the expected interest income of all deposit funds to obtain the interest income result of the target account.

[0147] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: after calculating the interest income result of the target account based on the deposit plan and product information, it also includes: obtaining the funds balance information and the current deposit plan in the target account according to the specified update cycle; re-querying the deposit product library based on the funds balance information to obtain the latest deposit product list; adjusting the current deposit plan based on the latest deposit product list to obtain the latest deposit plan, and calculating the latest interest income result based on the latest deposit plan.

[0148] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: the target account is account A in the deposit account AB, and account B is the receiving account of account A. The interest calculation method also includes: analyzing daily expenditure needs based on the account flow information of account B; determining the amount of working capital in account A used to meet the daily expenditure needs of account B, and determining the corresponding amount of deposit funds as working capital; setting the funds deposit period of working capital to short term.

[0149] The embodiment of the present invention provides a solution for interest calculation, which adopts a dynamic analysis and intelligent matching method, combines a deep learning model to predict the trend of fund use, and combines a collision matrix algorithm to optimize fund allocation. Specifically, by analyzing the use type of each deposit fund in the target account, multiple fund use characteristics are determined, and based on these characteristics, the fund deposit cycle of each deposit fund is intelligently predicted. This method ensures the balance between satisfying liquidity and maximizing returns, and achieves the purpose of personalized configuration of deposit products. Further, based on the fund deposit cycle, the deposit product library is queried, and multiple deposit products matching the needs of each fund and their detailed product information are intelligently screened out. The matching degree between each fund and each deposit product is analyzed by the collision matrix algorithm, and the allocation of funds among different deposit products is optimized, and the optimal deposit plan is generated. The interest income result of the target account is accurately calculated, and the technical effect of improving fund utilization and user benefits is achieved, and a more efficient and intelligent way of adding value to the fund account A in the deposit AB account management is provided, thereby achieving the technical effect of providing users with a more flexible and competitive deposit interest calculation strategy and maximizing the user's investment return, thereby solving the technical problem that the deposit interest calculation in the related technology is single, and the interest calculation method cannot be customized according to different needs and fund dynamics, resulting in reduced user benefits.

[0150] It can be understood by those skilled in the art that Figure 7 The structure shown is for illustration only, and the electronic device may also be a smart phone, a tablet computer, a PDA, a mobile Internet device (MID), a PAD or other terminal device. Figure 7 The structure of the electronic device is not limited. Figure 7 More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Figure 7 Different configurations are shown.

[0151] A person of ordinary skill in the art can understand that all or part of the steps in the various methods of the above embodiments can be completed by instructing the hardware related to the terminal device through a program, and the program can be stored in a computer-readable storage medium, and the storage medium may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0152] The present invention is described below in conjunction with another optional embodiment.

[0153] Embodiment 4

[0154] The embodiment of the present invention further provides a computer-readable storage medium. Optionally, in the embodiment of the present invention, the computer-readable storage medium can be used to store the program code executed by the interest calculation method provided in the first embodiment.

[0155] Optionally, in an embodiment of the present invention, the above-mentioned storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group.

[0156] An embodiment of the present invention also provides a computer program product, which, when executed on a data processing device, is suitable for executing the steps of the interest calculation method: analyzing the usage type of each deposit fund in the target account to obtain N types of fund usage types, and determining the fund deposit period of each deposit fund based on the fund usage type, wherein N is a positive integer; querying the deposit product library based on the fund deposit period to obtain a deposit product list, wherein the deposit product list includes: R deposit products and product information of each deposit product, wherein R is a positive integer; allocating each deposit fund in the target account to R deposit products based on the fund deposit period and the product information of all deposit products to obtain a deposit plan; and calculating the interest income result of the target account based on the deposit plan and the product information.

[0157] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0158] In the above embodiments of the present application, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0159] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0160] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0161] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0162] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application is essentially or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions to enable a computer device (which can be a personal computer, server or network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, RandomAccess Memory), mobile hard disk, disk or CD-ROM and other media that can store program codes.

[0163] The above is only a preferred implementation of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. An interest calculation method, characterized in that: include: Analyze the usage type of each deposit fund in the target account to obtain N types of fund usage, and determine the fund storage period of each deposit fund based on the fund usage type, where N is a positive integer; Based on the fund deposit period, query the deposit product library to obtain a deposit product list, wherein the deposit product list includes: R deposit products and product information of each deposit product, where R is a positive integer; Allocate each deposit fund in the target account to R deposit products based on the fund deposit cycle and product information of all the deposit products to obtain a deposit plan; The interest income result of the target account is calculated based on the deposit plan and the product information.

2. The interest calculation method according to claim 1, characterized in that: The step of determining a fund storage period for each deposit fund based on the fund usage type includes: Obtaining the fund payment status of each deposit fund in the target account within a specified historical period, and determining the usage frequency based on the fund payment status; Inputting the usage frequency and the fund usage type into a preset model, and outputting a model determination result, wherein the preset model is a pre-trained machine learning model, and the model determination result includes a usage trend of each deposit fund output by the preset model in a specified future period; The fund storage period corresponding to each deposit fund is determined according to the usage trend.

3. The interest calculation method according to claim 1, characterized in that: The step of querying a deposit product database based on the fund deposit cycle to obtain a deposit product list includes: Traversing the deposit product library to obtain the deposit conditions of all the deposit products; Matching the fund storage period of each deposit fund with the storage period indicated in the storage conditions of each deposit product to obtain a matching result; Obtain product information of each deposit product in the matching result, wherein the product information at least includes product interest rate, deposit period and early withdrawal provisions; The deposit products and the product information corresponding to all deposit funds are arranged in a preset order to obtain the deposit product list.

4. The interest calculation method according to claim 1, characterized in that: The step of allocating each deposit fund in the target account to the deposit product based on the fund deposit cycle and the product information of all the deposit products to obtain a deposit plan includes: Convert the deposit product list into a matrix mode to obtain a product matrix array, wherein the product matrix array at least includes: product interest rate, deposit period and early withdrawal provisions; Calculate the fund proportion based on the fund stock amount of each deposit fund, and generate a fund matrix array based on the fund stock amount, the fund proportion and the fund deposit period; Generate a collision array based on the product matrix array and the fund matrix array, wherein the collision array includes the matching degree between each deposit fund and each deposit product; Based on the matching degree indicated by the collision array, the fund allocation ratio and the target deposit duration of each deposit fund allocated to each deposit product are determined, and allocation is performed based on the fund allocation ratio to obtain the deposit plan.

5. The interest calculation method according to claim 4, characterized in that: The step of calculating the interest income result of the target account based on the deposit plan and the product information comprises: Calculate the expected interest income of each deposit fund based on the fund allocation ratio of each deposit fund to each deposit product in the deposit plan, the target deposit period and the product interest rate; The expected interest income of all the deposit funds is aggregated to obtain the interest income result of the target account.

6. The interest calculation method according to claim 1, characterized in that: After calculating the interest income result of the target account based on the deposit plan and the product information, the method further includes: Obtaining the fund stock information and current deposit plan in the target account according to a specified update cycle; Re-query the deposit product database based on the fund stock information to obtain the latest deposit product list; The current deposit plan is adjusted based on the latest deposit product list to obtain the latest deposit plan, and the latest interest income result is calculated based on the latest deposit plan.

7. The interest calculation method according to claim 1, characterized in that: The target account is account A in deposit account AB, account B is the receiving account of account A, and the interest calculation method further includes: Analyze daily expenditure needs based on the account flow information of the B account; Determine the amount of working capital in the account A that is used to meet the daily expenditure needs of the account B, and determine the corresponding amount of the deposit funds as working capital; The funds holding period of the working capital is set to short term.

8. An interest calculation device, characterized in that: include: an analyzing unit, configured to analyze the usage type of each deposit fund in the target account, obtain N types of fund usage types, and determine a fund storage period of each deposit fund based on the fund usage types, wherein N is a positive integer; A query unit is used to query the deposit product library based on the fund deposit period to obtain a deposit product list, wherein the deposit product list includes: R deposit products and product information of each of the deposit products, R is a positive integer; an allocating unit, configured to allocate each deposit fund in the target account to R deposit products based on the fund deposit period and product information of all the deposit products, to obtain a deposit plan; A calculation unit is used to calculate the interest income result of the target account based on the deposit plan and the product information.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored computer program, wherein when the computer program is executed, the device where the computer-readable storage medium is located is controlled to execute the interest calculation method according to any one of claims 1 to 7.

10. An electronic device, characterized in that: It includes one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the interest calculation method described in any one of claims 1 to 7.

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