System and method for generating fund transfer information

Abstract

The invention provides a system and a method for generating fund transfer information. The method comprises the following steps: generating configuration parameters of the fund transfer information; determining a configuration method executed by each account by using a preset matching algorithm according to configuration elements of the accounts, the matching conditions and the priorities; according to the determined configuration method and the transfer information generation parameter, fund transfer information of each account is generated; performing data quality detection on the generated fund transfer price, and processing abnormal data; and summarizing the fund transfer information of each account to generate a result information summary sheet. According to the method, the workload of repeated development is reduced, the code maintenance work is simplified, and the problem of omission possibly occurring when multiple configuration method codes are maintained is avoided. According to the method, all accounts can be subjected to unified batch running, and the bottleneck problem caused by data volume difference when different configuration methods are subjected to batch running respectively is solved.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of finance, and in particular to a fund transfer information generation system and method. BACKGROUND

[0002] Fund transfer pricing (FTP) management is a fund transfer pricing management system that charges fund users for the cost of funds and pays fund providers for the value of funds. Fund transfer information generation is the core function of fund transfer pricing management, which calculates fund transfer prices for each account based on various configuration factors, price curves, and system configurations.

[0003] Currently, the traditional fund transfer information generation method is to develop different fund transfer information generation methods for different configuration factors according to business needs. For example, a commercial bank usually has six or seven configuration methods, such as specified interest rate method, cash flow method, contract term method, etc., and these methods need to run in parallel and aggregate the results. However, this configuration method has the following defects:

[0004] 1. Large amount of repeated development work: Different fund transfer configuration methods need to be developed repeatedly for different business needs, resulting in a large amount of development work.

[0005] 2. Easy to miss when modifying: When modifying the configuration rules, multiple configuration methods need to be modified, which is easy to miss, resulting in configuration errors.

[0006] 3. Time bottleneck: When different configuration methods run in parallel, the data volume is different, which will cause the batch running time to be inconsistent, resulting in a time bottleneck.

[0007] The present application aims to solve the above-mentioned deficiencies in the prior art and provide a fund transfer information generation system and method that can be flexibly configured to improve the efficiency and accuracy of fund transfer information generation. SUMMARY

[0008] Therefore, the present application provides a fund transfer information generation system and method to solve at least one of the above-mentioned problems.

[0009] To achieve the above-mentioned purpose, the present application adopts the following scheme:

[0010] According to a first aspect of this application, a method for generating funds transfer information is provided. The method includes: generating configuration parameters for funds transfer information, the configuration parameters including matching conditions, priority, and transfer information generation parameters, wherein the matching conditions are associated with configuration elements of an account; determining the configuration method to be executed for each account using a preset matching algorithm based on the account's configuration elements, the matching conditions, and the priority; generating funds transfer information for each account based on the determined configuration method and the transfer information generation parameters; performing data quality checks on the generated funds transfer information and processing abnormal data; and summarizing the funds transfer information of each account to generate a result information summary table.

[0011] As an embodiment of this application, the method described above, which determines the configuration method to be executed for each account based on the account's configuration elements, the matching conditions, and the priority using a preset matching algorithm, includes: constructing a rule base containing multiple configuration methods, each configuration method corresponding to one or more matching conditions and a corresponding priority; extracting the account's configuration elements, and using a decision tree algorithm to match the extracted configuration elements with the matching conditions in the rule base to determine the configuration method; if an account simultaneously meets the matching conditions of multiple configuration methods, then sorting the matched configuration methods according to a preset priority, and selecting the configuration method with the highest priority as the configuration method to be executed for that account.

[0012] As an embodiment of this application, the above method, based on the account's configuration elements, the matching conditions, and the priority, uses a preset matching algorithm to determine the configuration method to be executed for each account, including: if the account meets the priority configuration conditions and there is an account fund transfer price, then priority configuration is determined to be executed; if the account's priority belongs to the fallback configuration method, then fallback configuration is executed; for other accounts besides priority configuration and fallback configuration, the configuration method to be executed for the account is determined based on the reconfiguration date.

[0013] As an embodiment of this application, the above method for determining the configuration to be executed by the account based on the reconfiguration date includes: determining whether the current business date is a reconfiguration date based on the reconfiguration cycle, business date and the last reconfiguration date; if the current business date is not a reconfiguration date and there is an account fund transfer price from the previous day, the configuration method executed by the account remains unchanged; otherwise, the reconfiguration algorithm is determined to be executed by the account.

[0014] As an embodiment of this application, the method described above, in which fund transfer information for each account is generated according to the determined configuration method and the transfer information generation parameters, includes: when performing priority configuration, reading the account fund transfer price table, and directly assigning a specified price to eligible accounts based on the fund transfer price table; when performing fallback configuration, directly assigning a fallback price; when performing a reconfiguration algorithm, the reconfiguration algorithm includes: determining the position of the account on the configuration benchmark curve based on the configuration period and the account's interest accrual date and maturity date information; if the position is a standard term point, then directly... The interest rate at that point is taken as the benchmark interest rate parameter for the account. If the point is a non-standard term point, the benchmark interest rate parameter for the account is calculated based on the preset curve interpolation configuration and the adjacent left and right points. The interest rate spread is determined based on the fund transfer price spread configuration. If the interest rate spread is configured as a constant interest rate spread, the constant is taken as the interest rate spread value. If the interest rate spread is configured as a locked interest rate spread and there is a previous day's interest rate spread, the previous day's interest rate spread is taken as the current day's interest rate spread value. Otherwise, the current day's interest rate spread value is calculated according to the preset formula. The benchmark interest rate parameter and the interest rate spread value are added together to generate the fund transfer information for the account.

[0015] As an embodiment of this application, the above reconfiguration algorithm further includes: if the configuration period is configured as cash flow, then the cash flow calculation engine is called to split the cash flow into several transactions according to the repayment plan, calculate them separately and then summarize them to obtain the benchmark interest rate parameter of the account.

[0016] As an embodiment of this application, the data quality detection in the above method includes checking the reasonable range of interest rates, the integrity of the data, and the consistency of the data.

[0017] According to a second aspect of this application, a system for generating funds transfer information is provided. The system includes: a parameter generation unit for generating configuration parameters for funds transfer information, the configuration parameters including matching conditions, priority, and transfer information generation parameters, wherein the matching conditions are associated with configuration elements of an account; a configuration method matching unit for determining the configuration method to be executed for each account based on the account's configuration elements, the matching conditions, and the priority using a preset matching algorithm; an information generation unit for generating funds transfer information for each account based on the determined configuration method and the transfer information generation parameters; an anomaly handling unit for performing data quality detection on the generated funds transfer information and processing abnormal data; and a result generation unit for summarizing the funds transfer information of each account to generate a result information summary table.

[0018] As an embodiment of this application, the above-mentioned configuration method matching unit includes: a rule base construction module, used to construct a rule base containing multiple configuration methods, each configuration method corresponding to one or more matching conditions and a corresponding priority; a rule base matching module, used to extract the configuration elements of an account, and use a decision tree algorithm to match the extracted configuration elements with the matching conditions in the rule base to determine the configuration method; and a configuration method determination module, used to sort the matched configuration methods according to a preset priority when an account simultaneously meets the matching conditions of multiple configuration methods, and select the configuration method with the highest priority as the configuration method to be executed by the account.

[0019] As an embodiment of this application, the above configuration method matching unit includes: a first matching module, used to determine to execute priority configuration when an account meets the priority configuration conditions and there is an account fund transfer price; a second matching module, used to execute the fallback configuration when the priority of the account belongs to the fallback configuration method; and a third matching module, used to determine the configuration method to be executed for the remaining accounts other than the priority configuration and the fallback configuration based on the reconfiguration date.

[0020] As an embodiment of this application, the above-mentioned method for determining the configuration to be executed by the account based on the configuration price date includes: determining whether the current business date is a reconfiguration date based on the reconfiguration cycle, business date and the last reconfiguration date; if the current business date is not a reconfiguration date and there is an account fund transfer price for the previous day, the configuration method executed by the account remains unchanged; otherwise, the reconfiguration algorithm is determined to be executed by the account.

[0021] As an embodiment of this application, the aforementioned information generation unit includes: a priority generation module, used to read the account funds transfer price table when performing account priority configuration, and directly assign a specified price to eligible accounts based on the funds transfer price table; a fallback generation module, used to directly assign a fallback price when performing fallback configuration; a reconfiguration module, used to determine the position of the account on the configuration benchmark curve based on the configuration period and the account's interest accrual date and maturity date information; if the position is a standard term point, the interest rate at that point is directly taken as the account's benchmark interest rate parameter; if the position is a non-standard term point, the benchmark interest rate parameter of the account is calculated based on a preset curve interpolation configuration and adjacent left and right points; the interest rate spread value is determined based on the funds transfer price spread configuration; if the interest rate spread configuration is a constant interest rate spread, the constant is taken as the interest rate spread value; if the interest rate spread configuration is a locked interest rate spread and there is a previous day's interest rate spread, the previous day's interest rate spread is taken as the current day's interest rate spread value; otherwise, the current day's interest rate spread value is calculated according to a preset formula; the benchmark interest rate parameter is added to the interest rate spread value to generate the account's funds transfer price.

[0022] As an embodiment of this application, the above-mentioned reconfiguration module is also used to: when the configuration period is configured as cash flow, call the cash flow calculation engine, split the cash flow into several transactions according to the repayment plan, calculate them separately and then summarize them to obtain the benchmark interest rate parameter of the account.

[0023] As an embodiment of this application, the above-mentioned data quality inspection includes checking the reasonable range of interest rates, the integrity of the data, and the consistency of the data.

[0024] According to a third aspect of this application, an electronic device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the steps of the method described above.

[0025] According to a fourth aspect of this application, a computer-readable storage medium is provided, on which a computer program is stored, which, when executed by a processor, implements the steps of the above-described method.

[0026] According to a fifth aspect of this application, a computer program product is provided, comprising a computer program / instructions that, when executed by a processor, implement the steps of the above-described method.

[0027] As can be seen from the above technical solution, the fund transfer information generation system and method provided in this application avoid the drawbacks of repeatedly developing configuration methods for different business needs in traditional technologies. This not only reduces the workload of repeated development but also simplifies code maintenance, avoiding potential omissions when maintaining multiple configuration method codes. Furthermore, this application can perform batch processing on all accounts uniformly, overcoming the performance bottlenecks caused by differences in data volume when different configuration methods are run separately in existing technologies. This unified processing approach improves configuration efficiency and ensures the timeliness and accuracy of the overall configuration scheme. Attached Figure Description

[0028] To more clearly illustrate the technical solutions in the embodiments of this application or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort. In the drawings:

[0029] Figure 1 This is a flowchart illustrating a method for generating funds transfer information provided in an embodiment of this application;

[0030] Figure 2 This is a flowchart illustrating the configuration method for determining each account according to an embodiment of this application;

[0031] Figure 3 This is a flowchart illustrating a configuration method for determining each account according to another embodiment of this application;

[0032] Figure 4 This is a schematic diagram of the process for recalculating the funds transfer price provided in an embodiment of this application;

[0033] Figure 5 This is a flowchart illustrating a method for generating funds transfer information according to another embodiment of this application;

[0034] Figure 6 This is a schematic diagram of the structure of a fund transfer information generation system provided in an embodiment of this application;

[0035] Figure 7 This is a schematic diagram of the structure of the matching unit of the configuration method provided in the embodiments of this application;

[0036] Figure 8 This is a schematic diagram of the structure of the matching unit of the configuration method provided in another embodiment of this application;

[0037] Figure 9 This is a schematic diagram of the structure of the information generation unit provided in the embodiments of this application;

[0038] Figure 10 This is a schematic block diagram of the system configuration of the electronic device provided in the embodiments of this application. Detailed Implementation

[0039] To make the objectives, technical solutions, and advantages of the embodiments of this application clearer, the embodiments of this application will be further described in detail below with reference to the accompanying drawings. Here, the illustrative embodiments and descriptions of this application are used to explain this application, but are not intended to limit this application.

[0040] The information collected in the technical solution of this application is information and data authorized by the user or fully authorized by all parties. The collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data all comply with the relevant laws, regulations and standards of the relevant countries and regions, necessary confidentiality measures have been taken, and they do not violate public order and good morals. Corresponding operation portals are provided for users to choose to authorize or refuse.

[0041] The acquisition, transmission, storage, use, and processing of data in this application all comply with the relevant provisions of national laws and regulations.

[0042] It should be noted that in the embodiments of this application, certain software, components, models and other existing solutions in the industry may be mentioned. These should be regarded as exemplary and are only intended to illustrate the feasibility of implementing the technical solution of this application. However, it does not mean that the applicant has used or necessarily used the solution.

[0043] like Figure 1 The diagram shown is a flowchart illustrating a method for generating funds transfer information according to an embodiment of this application. The executing entity in this embodiment can be a group of computers or servers within a financial institution, or processing software within a computer or server. The method includes the following steps:

[0044] Step S101: Generate configuration parameters for fund transfer information. The configuration parameters include matching conditions, priority, and transfer information generation parameters. The matching conditions are associated with the account's configuration elements.

[0045] In this embodiment, fund transfer information refers to fund transfer price. According to business requirements, various configuration parameters required for the fund transfer price configuration method can be preset. These configuration parameters are the basis for subsequent fund transfer price calculation.

[0046] In this embodiment, these configuration parameters include: matching conditions, priority, and transfer information generation parameters, wherein:

[0047] Matching criteria are used to determine which accounts are suitable for which configuration method. Matching criteria typically include account configuration elements such as product type, accounting subject, institution, currency, and value date. In addition, custom configuration elements can also be included.

[0048] Priority refers to the configuration method with the highest priority that will be used when an account meets multiple matching conditions. For example, if an account meets the matching conditions of both the cash flow method and the contract term method, and the cash flow method has a higher priority than the contract term method, then the system will use the cash flow method to calculate the fund transfer information for that account. In this embodiment, the account priority configuration (directly specifying the fund transfer price for a specific account) is usually set to the highest priority (e.g., 0), and the fallback configuration method is usually set to the lowest priority (e.g., 99).

[0049] Transfer information generation parameters are various parameters used to calculate the price of fund transfers, including but not limited to: configuration benchmark, fund transfer price spread, configuration period, reconfiguration cycle, interpolation method, and data quality inspection standards.

[0050] Configuration benchmarks include key interest rates (which can be categorized as key interest rates for the current day, the value date, the last reconfiguration date, or other custom dates), manual interest rate curves, market interest rate curves, etc.

[0051] Funds transfer price spreads include constant spreads, formula spreads, and locked-in spreads.

[0052] Configuration period: including contract term, remaining contract term, cash flow (weighted term), etc.

[0053] Reconfiguration period: The validity period of the fund transfer price (within the validity period, no reconfiguration is performed, and the price of the previous day is used directly).

[0054] Interpolation methods: For non-standard maturities, determine how to calculate the interest rate through interpolation, including linear interpolation, left step function method, right step function method, etc.

[0055] Data quality inspection standards include, but are not limited to, integrity inspection, reasonableness inspection, consistency inspection, validity inspection, and anomaly handling methods.

[0056] Step S102: Based on the account's configuration elements, the matching conditions, and the priority, determine the configuration method to be executed for each account using a preset matching algorithm.

[0057] In this embodiment, the executing entity checks the configuration elements of each account, such as account type, amount, and term. The account configuration elements are compared with the matching conditions configured in step S101 to determine which configuration methods the account conforms to.

[0058] Step S103: Generate fund transfer information for each account according to the determined configuration method and the transfer information generation parameters.

[0059] According to the configuration method determined in step S102, select the corresponding transfer information generation parameters, and use various elements in the transfer information generation parameters (such as benchmark interest rate, interest rate spread, term, etc.) to calculate the fund transfer price of each account through a specific calculation formula or model.

[0060] Step S104: Perform data quality checks on the generated fund transfer information and process any abnormal data.

[0061] The generated fund transfer prices are checked according to the established data quality inspection standards. The checks may include the reasonableness of interest rates, data completeness, and consistency. Data that does not meet the standards is recorded and processed. Processing methods may include automatic repair, manual intervention, and data backtracking. Abnormal data is temporarily stored and statistically analyzed to determine whether the configuration results meet expectations.

[0062] Step S105: Summarize the fund transfer information of each account to generate a result information summary table.

[0063] The fund transfer information from each account is integrated to form a unified configuration result table or file. The result summary table contains key information for each account, such as account ID, fund transfer price, configuration method, and configuration date. This result summary table can be used for subsequent financial accounting, performance evaluation, and risk management.

[0064] As described above, the fund transfer information generation method provided in this embodiment has the following beneficial effects: This application solution automatically matches a configuration scheme tailored to business needs for each account by flexibly configuring configuration elements such as priority, configuration benchmark, configuration period / remaining period, repayment / interest payment cycle, reconfiguration cycle, price curve, and interpolation method. In other words, all configuration methods are integrated into the same set of code, implementing different configuration strategies by configuring different parameters, rather than writing a separate set of code for each configuration method. Therefore, only this set of code needs to be maintained and updated to ensure the correctness and consistency of all configuration methods, avoiding omissions and errors that may occur due to maintaining multiple sets of code. This application solution can perform batch processing on all accounts uniformly, avoiding the bottleneck of batch processing different configuration methods separately.

[0065] In one embodiment of this application, such as Figure 2 As shown, in step S102 above, determining the configuration method to be executed for each account based on the account's configuration elements, the matching conditions, and the priority includes:

[0066] Step S201: Construct a rule base containing multiple configuration methods, each configuration method corresponding to one or more matching conditions and their respective priorities.

[0067] The rule base in this step is a collection used to store and manage various configuration methods and their related information. It can be implemented in various forms, such as a database or a rule engine. The rule base contains several different configuration methods, such as the specified interest rate method, the cash flow method, and the contract term method. Each configuration method has its specific calculation logic and applicable scenarios. Each configuration method corresponds to one or more matching conditions used to determine which accounts are applicable to that configuration method. Matching conditions typically include account configuration elements such as product type, accounting subject, institution, currency, and value date, and may also include custom configuration elements.

[0068] Step S202: Extract the configuration elements of the account, and use the decision tree algorithm to match the extracted configuration elements with the matching conditions in the rule base to determine the configuration method.

[0069] Extract configuration-related elements from the account information system, such as account type, amount, term, product type, and currency. These elements will serve as input to the decision tree algorithm.

[0070] Then, the decision tree algorithm is used to match the extracted configuration elements with the matching conditions in the rule base. The decision tree algorithm will judge and select from the root node of the tree layer by layer according to the configuration elements of the account, and finally reach the leaf node. The configuration method corresponding to the leaf node is the configuration method that should be executed for the account.

[0071] In this implementation, the decision tree algorithm can be used to automatically match configuration methods, reduce manual intervention, and improve configuration efficiency.

[0072] Step S203: If an account meets the matching conditions of multiple configuration methods at the same time, the matching configuration methods are sorted according to the preset priority, and the configuration method with the highest priority is selected as the configuration method to be executed by the account.

[0073] In real-world business scenarios, an account may simultaneously meet the matching criteria for multiple configuration methods. For example, an account might meet the criteria for both the cash flow method and the contract term method. When an account meets the matching criteria for multiple configuration methods, the matching methods need to be sorted according to a preset priority. The priority can be preset in a rule base or dynamically adjusted based on actual business needs. Then, the configuration method with the highest priority is selected as the final configuration method executed for that account. For example, if the cash flow method has a higher priority than the contract term method, then the cash flow method is selected as the configuration method for that account.

[0074] By following the steps above, the configuration method to be executed for each account can be automatically and accurately determined based on the account's configuration elements, matching conditions, and priorities, thus laying the foundation for subsequent internal transfer price calculations.

[0075] In another embodiment of this application, such as Figure 3 As shown, in step S102 above, determining the configuration method to be executed for each account based on the account's configuration elements, the matching conditions, and the priority includes:

[0076] Step S301: If the account meets the priority configuration conditions and there is an account fund transfer price, then determine to execute the priority configuration.

[0077] An account meets the priority configuration criteria if it simultaneously satisfies the matching conditions of multiple configuration methods, and one of these methods has a specified funds transfer price. During priority configuration, the system reads the account's funds transfer price table and, based on preset priorities, selects the highest-priority method from the multiple matching methods. Then, the system assigns the specified funds transfer price corresponding to the highest-priority configuration method to the account.

[0078] For example, account priority configuration allows you to directly assign a funds transfer price to a specific account. If an account meets the account priority configuration criteria (e.g., belongs to a specific VIP client, a specific institution, etc.), and a funds transfer price already exists for that account in the system (it could be a historical price or a manually assigned price), then the account is directly assigned the assigned funds transfer price. The priority is usually set to the highest (e.g., 0).

[0079] Step S302: If the account priority belongs to the fallback configuration method, then execute the fallback configuration.

[0080] The fallback configuration method is a safety net strategy. If an account doesn't have a suitable configuration method, its priority can be set to the lowest (e.g., 99) when configuring parameters. In this case, the system will apply the fallback configuration method to the account with the lowest priority configuration, assigning a preset fallback price. This ensures that all accounts receive a funds transfer price, even if they don't meet any specific configuration rules.

[0081] Step S303: For accounts other than priority configuration and fallback configuration, determine the configuration method to be executed for each account based on the reconfiguration date.

[0082] For accounts that do not meet the priority configuration criteria or the fallback configuration method, the system will determine their configuration method based on the reconfiguration date. This involves determining whether the current date is the account's reconfiguration date. If it is, the reconfiguration calculation process will be triggered, and the funds transfer price will be recalculated; if it is not, the funds transfer price from the previous day may be used.

[0083] In another embodiment of this application, the method for determining the configuration to be performed on the account based on the reconfiguration date in step S1023 above includes: determining whether the current business date is a reconfiguration date based on the reconfiguration cycle, business date and the last reconfiguration date; if the current business date is not a reconfiguration date and there is an account fund transfer price from the previous day, the configuration method to be performed on the account remains unchanged; otherwise, the reconfiguration calculation process to be performed on the account is determined.

[0084] The system will determine whether the current business date is the reconfiguration date for the account based on a pre-set reconfiguration period (e.g., daily, monthly, quarterly), combined with the current business date and the account's last reconfiguration date. The reconfiguration period is the validity period of the funds transfer price; within this period, no reconfiguration is required, and the price from the previous day is used directly. For example:

[0085] Reconfiguration cycle: once a month.

[0086] Account A's last reconfiguration date: January 15, 2024.

[0087] Current business date: February 1, 2024.

[0088] Judgment Process: Since the reconfiguration cycle is monthly, the next reconfiguration date for Account A should be February 15, 2024. The current business date (February 1, 2024) is compared with the calculated reconfiguration date (February 15, 2024). Because February 1, 2024, is earlier than February 15, 2024, the current business date (February 1, 2024) is not the reconfiguration date for Account A. In this case, the system will use the previous day's funds transfer price (if a previous day's price exists).

[0089] If the current date is a reconfiguration date, or if it is not a reconfiguration date but there is no previous day's funds transfer price (e.g., for a newly opened account), the system will determine that the account needs to undergo the reconfiguration calculation process to recalculate the funds transfer price.

[0090] like Figure 4 As shown, the algorithm for recalculating the funds transfer price is as follows:

[0091] Step S401: Determine the position of the account on the configuration benchmark curve based on the term configuration and the account's interest accrual date and maturity date information.

[0092] The purpose of this step is to determine the account's term and its corresponding position on the yield curve. The term configuration specifies the basis for the configuration, such as the contract term, remaining contract term, or cash flow. The value date and maturity date provide the necessary information for calculating the term. Based on this information, the system calculates the account's actual term and locates its corresponding position on a pre-defined benchmark curve (e.g., the Treasury yield curve).

[0093] Step S402: If the position is a standard term point, then the interest rate at that point is directly taken as the benchmark interest rate for the account.

[0094] If the calculated account term falls exactly at a standard term point on the interest rate curve (e.g., 3 months, 6 months, 1 year, 2 years, etc.), then the interest rate corresponding to that term point is directly used as the account's benchmark interest rate.

[0095] Step S403: If the position is a non-standard term point, the benchmark interest rate parameter of the account is calculated according to the preset curve interpolation configuration and the adjacent left and right points.

[0096] If the calculated account term does not fall exactly on the standard term point, but rather between two standard term points, then interpolation is used to estimate the interest rate corresponding to that term. The curve interpolation configuration specifies which interpolation method to use (e.g., linear interpolation, left step function, right step function, etc.). The system calculates the base interest rate for the account based on the selected interpolation method and the interest rates of the two adjacent standard term points.

[0097] For example, in this embodiment, if linear interpolation is used, assuming the non-standard maturity point is X, its interest rate is Y, and two adjacent standard maturity points are X1 and X2, with corresponding interest rates Y1 and Y2 respectively. The basic idea of ​​linear interpolation is to establish a linear equation between (X1, Y1) and (X2, Y2), and then calculate the Y value corresponding to X. This linear equation can be expressed as follows:

[0098] Y=Y1+(X-X1)*(Y2-Y1) / (X2-X1).

[0099] In this embodiment, if the left-hand step function method is used, the interest rate of the adjacent standard term point on the left is directly taken as the benchmark interest rate for the account, i.e., Y = Y1. Similarly, if the right-hand step function method is used, the interest rate of the adjacent standard term point on the right is directly taken as the benchmark interest rate for the account, i.e., Y = Y2.

[0100] Step S404: Determine the interest rate spread value based on the fund transfer price spread configuration. If the interest rate spread configuration is a constant interest rate spread, then take the constant as the interest rate spread value; if the interest rate spread configuration is a locked interest rate spread and there is an interest rate spread from the previous day, then take the interest rate spread from the previous day as the interest rate spread value for the current day; otherwise, calculate the interest rate spread value for the current day according to the preset formula.

[0101] Funds transfer price spreads are added value used to adjust benchmark interest rates. There are several ways to determine the spread: constant spread, locked spread, or formula spread, etc. Specifically: a constant spread uses a pre-set fixed value as the spread. A locked spread uses the previous day's spread if one exists. A formula spread calculates the spread using certain variables (e.g., customer credit rating, business type, etc.) according to a pre-defined formula.

[0102] Step S405: Add the benchmark interest rate parameter to the interest rate spread to generate the fund transfer price of the account.

[0103] Adding the benchmark interest rate and the interest rate spread obtained in the previous steps yields the final funds transfer price. This funds transfer price represents the cost or benefit of the funds transfer. Note that adding the benchmark interest rate and the interest rate spread here does not mean directly adding them together as the funds transfer price; rather, it refers to the interest rate used as the funds transfer price, which is then calculated using the following formula:

[0104] Funds transfer price = Principal × Funds transfer price interest rate × Funds usage period.

[0105] Through the above steps, the system can calculate a reasonable fund transfer price based on factors such as account term, market interest rate, and risk profile.

[0106] In another embodiment of this application, if the configuration period is configured as cash flow, the cash flow calculation engine is invoked to split the cash flow into several transactions according to the repayment plan, calculate them separately, and then summarize them to obtain the benchmark interest rate of the account.

[0107] Cash flow represents a series of future inflows or outflows of funds at different points in time. Each cash flow at any given point in time corresponds to a specific maturity date. For example, receiving 100 yuan one month later and receiving 100 yuan one year later, although the amount is the same, have different maturities and therefore different interest rates. If we don't break down the cash flow and simply treat the entire cash flow as a single entity, using an average maturity (such as a weighted average) to determine the interest rate, we ignore the differences between the different points in time within the cash flow. This simplification leads to inaccurate allocation, especially when the cash flow has a large maturity span or when the interest rate curve fluctuates significantly, the error will be more pronounced.

[0108] In this embodiment, the cash flow calculation engine breaks down the cash flow into several transactions based on the account's repayment plan. The repayment plan typically includes the following information: repayment date, repayment amount, and repayment type (principal, interest). For example, the repayment plan for an account is shown in Table 1 below:

[0109] Table 1

[0110] Repayment date Repayment amount Repayment type 2023-03-31 1000 Capital 2023-06-30 1000 Capital 2023-09-30 1000 Capital 2023-12-31 1000 Capital

[0111] The cash flow will then be split into four transactions, each amounting to 1000, with repayment dates of March 31, 2023, June 30, 2023, September 30, 2023, and December 31, 2023. For each of these split cash flows, its interest rate on the benchmark curve is calculated. The calculation method is similar to the handling of standard and non-standard term points described above and will not be repeated here. Then, the interest rates of each cash flow are weighted and summed to obtain the account's benchmark interest rate.

[0112] In the above process, if the account has no repayment plan, cash flow cannot be split and calculated. In this case, the default interest rate can be used or an anomaly can be thrown. If there is a repayment plan, but the repayment plan is incomplete, such as missing repayment dates or repayment amounts, special processing is required. For example, the average repayment date can be used or the repayment amount can be estimated. Alternatively, if the interest rate curve corresponding to certain repayment dates is missing, interpolation or extrapolation can be performed.

[0113] In another embodiment of this application, if batch processing is performed on all accounts, different accounts may use different configuration methods, and the computational complexity of these different methods may vary greatly. If some configuration methods involve complex calculations (such as cash flow calculations), the computation time may be long, while other configuration methods may complete quickly. In this case, the overall batch processing time depends on the slowest part, causing data skew. This coarse-grained parallel computation may result in low resource utilization. Therefore, in step S103 above, when generating the funds transfer price for each account based on the determined configuration method and the price generation parameters, the following further step is included:

[0114] Accounts are grouped according to their configuration elements, with accounts having the same configuration elements grouped together. Within each group, parallel calculations are performed on the accounts to generate the funds transfer price for each account. The configuration elements include, but are not limited to, product type, accounting subject, institution, currency, and value date.

[0115] In this embodiment, account configuration elements are used as the basis for grouping. Configuration elements are decisive factors in the fund transfer pricing process. Based on actual business conditions and performance test results, one or more configuration elements are selected as the basis for grouping. For example, product type and currency can be selected as grouping elements to group accounts with the same product type and currency into the same group. The values ​​of the selected configuration elements are combined into a string as the grouping key. For example, if product type and currency are selected as grouping elements, and an account's product type is "Loan" and its currency is "CNY", then the grouping key for that account could be "Loan_CNY". Based on the account's grouping key, the account is assigned to the corresponding group. Data structures such as HashMap can be used to store grouping information, improving the efficiency of account allocation.

[0116] Then, within each group, parallel computations are performed on the accounts to generate the funds transfer price for each account. During parallel computation, a thread pool can be created for each group to execute the funds transfer price configuration calculation task for the accounts within that group. The accounts within each group are divided into smaller batches, and each batch is submitted to the thread pool as a computation task for execution. The threads in the thread pool concurrently execute the various computation tasks, calculating the funds transfer price for each account. Finally, the funds transfer prices calculated by each thread are aggregated to generate the funds transfer price configuration result for that group.

[0117] By grouping accounts and performing parallel computation within each group, data skew can be effectively reduced, resource utilization can be improved, and the computation time for funds transfer price allocation can be shortened.

[0118] In another embodiment of this application, the data quality detection in step S104 above includes checking the reasonable range of the interest rate, the integrity of the data, and the consistency of the data.

[0119] The interest rate reasonableness check here examines whether the generated funds transfer price (FTP) rate is within a reasonable range, preventing abnormally high or low rates. For example, it checks the upper and lower limits of the allocation rate; for instance, the lower limit for the FTP rate could be set at 0%, and the upper limit at 20%. Any rate exceeding this range will be marked as unacceptable data. The generated FTP rate can also be compared with market rates for similar maturities and risks. If the FTP rate deviates significantly from the market rate, there may be a problem. For example, if the market rate for a 3-year AAA-rated bond is 3%, but the generated 3-year FTP rate for a certain account is 10%, further investigation is needed. The generated FTP rate can also be compared with historical FTP rates for this account or similar accounts. If the FTP rate changes significantly compared to historical data, there may be a problem.

[0120] Data integrity checks verify the completeness of the data required to generate funds transfer prices, preventing configuration errors due to missing data. This involves checking for missing key elements. For example, if information such as the account's value date, maturity date, allocation benchmark, and interest rate spread are missing, funds transfer prices cannot be calculated. The integrity of the allocation benchmark curve can also be checked. Missing data for certain maturity points on the interest rate curve may lead to interpolation errors. If the allocation period is configured as cash flow, the completeness of the repayment plan must be checked. Missing repayment dates or amounts will prevent cash flow breakdown and calculation.

[0121] Data consistency checks verify the consistency of the data used to generate funds transfer prices, preventing configuration errors due to data conflicts. For example, it checks whether configuration elements for the same account originate from the same data source. If some elements for the same account come from system A and others from system B, there may be a risk of data inconsistency. It can also check for logical conflicts between configuration elements. For instance, if the account's currency is RMB, but the configuration benchmark is set to a USD interest rate curve, a logical conflict exists. Furthermore, it checks whether the parameters in the interest rate spread calculation formula are consistent with the account's attributes. For example, if the interest rate spread calculation formula uses customer credit ratings, but the account's customer credit rating information is missing, an inconsistency exists.

[0122] like Figure 5 The diagram shown is a flowchart illustrating a method for generating funds transfer information according to another embodiment of this application. Figure 5 As can be seen, it includes the following steps:

[0123] Step 1: Generate the various parameters required for the configuration method, such as matching conditions, priority, configuration baseline, FTP spread, configuration period, reconfiguration cycle, interpolation method, and data quality check criteria.

[0124] Step 2: Match the configuration method based on the account's configuration elements, matching condition parameters, and priority configuration. If the account uses account priority configuration and has an account funds transfer price, proceed to Step 4; if a fallback configuration method is matched, proceed to Step 3; otherwise, proceed to Step 5.

[0125] Step 3: Assign a safety net price to the account.

[0126] Step 4: Read the account funds transfer price table and directly assign the specified price to the accounts that meet the conditions.

[0127] Step 5: Determine the reconfiguration date for each account based on the reconfiguration cycle, business date, and last reconfiguration date. If the current business date is not a reconfiguration date and the account has a previous day's fund transfer price, proceed to Step 6; otherwise, proceed to Step 8.

[0128] Step 6: Based on the configured term and the account's interest accrual date and maturity date information, calculate the account's position on the benchmark curve. If it is at a standard term point, the benchmark interest rate at that point is directly taken; if it is at a non-standard term point, the benchmark interest rate is further calculated based on the curve interpolation configuration and the points to the left and right. In particular, if the configured term is configured as cash flow, the cash flow calculation engine is invoked to split the repayment plan into several transactions, calculate them, and then summarize them to obtain the benchmark interest rate.

[0129] Step 7: If the interest rate spread is configured as a constant interest rate spread, then take that constant. If it is configured as a locked interest rate spread and there is a previous day's interest rate spread, then take the previous day's interest rate spread as the current day's interest rate spread. In other cases, calculate the current day's interest rate spread according to the formula and add the interest rate spread to the benchmark interest rate to generate the funds transfer price.

[0130] Step 8: Copy the fund transfer price of each account from the previous business date as the fund transfer price for the current day.

[0131] Step 9: Perform data quality checks. Unqualified data proceeds to Step 10, and qualified data proceeds to Step 11.

[0132] Step 10: Temporarily store and analyze abnormal data to determine whether the processing result meets expectations.

[0133] Step 11: Summarize the fund transfer price configuration results data of each parallel execution job to generate an FTP configuration result table.

[0134] As can be seen from the above technical solution, the method for generating fund transfer information provided in this application avoids the drawbacks of repeatedly developing configuration methods for different business needs in traditional technologies. This not only reduces the workload of repeated development but also simplifies code maintenance, avoiding potential omissions when maintaining multiple configuration method codes. Furthermore, this application can perform batch processing on all accounts uniformly, overcoming the performance bottlenecks caused by differences in data volume when different configuration methods are run separately in existing technologies. This unified processing approach improves configuration efficiency and ensures the timeliness and accuracy of the overall configuration scheme.

[0135] like Figure 6 The diagram shows a structural schematic of a fund transfer information generation system provided in an embodiment of this application. The system includes: a parameter configuration unit 610, a configuration method matching unit 620, an information generation unit 630, an exception handling unit 640, and a result generation unit 650, which are connected sequentially.

[0136] The parameter configuration unit 610 is used to generate configuration parameters for fund transfer information. The configuration parameters include matching conditions, priority, and price generation parameters. The matching conditions are associated with the configuration elements of the account.

[0137] The configuration method matching unit 620 is used to determine the configuration method to be executed for each account based on the account's configuration elements, the matching conditions, and the priority using a preset matching algorithm.

[0138] The information generation unit 630 is used to generate fund transfer information for each account according to the determined configuration method and the transfer information generation parameters.

[0139] The anomaly handling unit 640 is used to perform data quality checks on the generated fund transfer information and process abnormal data.

[0140] Result generation unit 650 is used to summarize the fund transfer information of each account to generate a result information summary table.

[0141] In one embodiment of this application, such as Figure 7 As shown, the above configuration method matching unit 620 includes:

[0142] The rule base building module 621 is used to build a rule base containing multiple configuration methods, each of which corresponds to one or more matching conditions and a corresponding priority.

[0143] The rule base matching module 622 is used to extract the configuration elements of the account and use a decision tree algorithm to match the extracted configuration elements with the matching conditions in the rule base to determine the configuration method.

[0144] The configuration method determination module 623 is used to sort the matching configuration methods according to a preset priority when an account meets the matching conditions of multiple configuration methods at the same time, and select the configuration method with the highest priority as the configuration method to be executed by the account.

[0145] In one embodiment of this application, such as Figure 8 As shown, the above configuration method matching unit 620 includes:

[0146] The first matching module 624 is used to determine the execution of account priority configuration when the account meets the priority configuration conditions and there is an account fund transfer price.

[0147] The second matching module 625 is used to determine the execution of the fallback configuration when the account's priority belongs to the fallback configuration method.

[0148] The third matching module 626 is used to determine the configuration method to be executed for accounts other than priority configuration and fallback configuration based on the reconfiguration date.

[0149] In one embodiment of this application, the third matching module 626 determines the configuration method executed by the account based on the reconfiguration date, which includes: determining whether the current business date is a reconfiguration date based on the reconfiguration cycle, business date and the last reconfiguration date; if the current business date is not a reconfiguration date and there is an account fund transfer price on the previous day, the configuration method executed by the account remains unchanged; otherwise, the account is determined to execute the reconfiguration algorithm.

[0150] In one embodiment of this application, such as Figure 9 As shown, the information generation unit 630 includes:

[0151] The priority generation module 631 is used to read the account funds transfer price table when performing account priority configuration, and directly assign a specified price to the eligible accounts based on the fund transfer price table.

[0152] The fallback generation module 632 is used to directly assign a fallback price when the fallback configuration is executed.

[0153] The reconfiguration module 633 is used to determine the position of the account on the configuration benchmark curve based on the configured term and the account's interest accrual date and maturity date information. If the position is a standard term point, the interest rate at that point is directly taken as the account's benchmark interest rate parameter. If the position is a non-standard term point, the account's benchmark interest rate parameter is calculated based on the preset curve interpolation configuration and adjacent left and right points. The interest rate spread is determined based on the funds transfer price spread configuration. If the interest rate spread is configured as a constant interest rate spread, the constant is taken as the interest rate spread value. If the interest rate spread is configured as a locked interest rate spread and there is a previous day's interest rate spread, the previous day's interest rate spread is taken as the current day's interest rate spread value. Otherwise, the current day's interest rate spread value is calculated according to a preset formula. The benchmark interest rate parameter and the interest rate spread value are added together to generate the account's funds transfer price.

[0154] In one embodiment of this application, the reconfiguration module 633 is further configured to: when the configuration period is configured as cash flow, call the cash flow calculation engine, split the cash flow into several transactions according to the repayment plan, calculate them separately and then summarize them to obtain the benchmark interest rate of the account.

[0155] In one embodiment of this application, the above-mentioned data quality inspection includes checking the reasonable range of interest rates, the integrity of the data, and the consistency of the data.

[0156] For detailed descriptions of the above-mentioned units and modules, please refer to the corresponding descriptions in the foregoing method embodiments, which will not be repeated here.

[0157] As can be seen from the above technical solution, the fund transfer information generation system provided in this application avoids the drawbacks of repeatedly developing configuration methods for different business needs in traditional technologies. This not only reduces the workload of repeated development but also simplifies code maintenance, avoiding potential omissions when maintaining multiple configuration method codes. Furthermore, this application can perform batch processing on all accounts uniformly, overcoming the performance bottlenecks caused by differences in data volume when different configuration methods are run separately in existing technologies. This unified processing approach improves configuration efficiency and ensures the timeliness and accuracy of the overall configuration scheme.

[0158] This application also provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the program to implement the above-described method.

[0159] This application also provides a computer-readable storage medium storing a computer program thereon, which, when executed by a processor, implements the steps of the above-described method.

[0160] This application also provides a computer program product, including a computer program / instructions, which, when executed by a processor, implement the steps of the above-described method.

[0161] like Figure 10 As shown, the electronic device 600 may also include: a communication module 110, an input unit 120, an audio processor 130, a display 160, and a power supply 170. It is worth noting that the electronic device 600 does not necessarily need to include these components. Figure 10 All components shown; in addition, the electronic device 600 may also include Figure 10 For components not shown, please refer to existing technologies.

[0162] like Figure 10 As shown, the central processing unit 100, sometimes also referred to as a controller or operating control, may include a microprocessor or other processor device and / or logic device. The central processing unit 100 receives inputs and controls the operation of various components of the electronic device 600.

[0163] The memory 140 may be, for example, one or more of a cache, flash memory, hard drive, removable media, volatile memory, non-volatile memory, or other suitable devices. It may store the aforementioned failure-related information, and also store a program for executing that information. The central processing unit 100 may execute the program stored in the memory 140 to perform information storage or processing, etc.

[0164] Input unit 120 provides input to central processing unit 100. Input unit 120 may be, for example, a keypad or touch input device. Power supply 170 provides power to electronic device 600. Display 160 displays images and text. Display may be, for example, an LCD display, but is not limited thereto.

[0165] The memory 140 can be a solid-state memory, such as a read-only memory (ROM), random access memory (RAM), a SIM card, etc. It can also be a memory that retains information even when power is off, can be selectively erased, and contains more data; examples of this type of memory are sometimes referred to as ERPOM, etc. The memory 140 can also be some other type of device. The memory 140 includes a buffer memory 141 (sometimes referred to as a buffer). The memory 140 may include an application / function storage unit 142 for storing application programs and function programs or processes for executing the operation of the electronic device 600 via the central processing unit 100.

[0166] The memory 140 may also include a data storage unit 143 for storing data, such as contacts, digital data, pictures, sounds, and / or any other data used by the electronic device. The driver storage unit 144 of the memory 140 may include various drivers for the electronic device's communication functions and / or for performing other functions of the electronic device (such as messaging applications, address book applications, etc.).

[0167] The communication module 110 is a transmitter / receiver that transmits and receives signals via the antenna 111. The communication module 110 (transmitter / receiver) is coupled to the central processing unit 100 to provide input signals and receive output signals, which can be the same as in a conventional mobile communication terminal.

[0168] Based on different communication technologies, multiple communication modules 110 can be configured in the same electronic device, such as cellular network modules, Bluetooth modules, and / or wireless LAN modules. The communication module 110 (transmitter / receiver) is also coupled to a speaker 131 and a microphone 132 via an audio processor 130 to provide audio output via the speaker 131 and receive audio input from the microphone 132, thereby enabling typical telecommunications functions. The audio processor 130 may include any suitable buffer, decoder, amplifier, etc. Additionally, the audio processor 130 is coupled to a central processing unit 100, enabling on-device recording via the microphone 132 and on-device playback of stored audio via the speaker 131.

[0169] Those skilled in the art will understand that embodiments of this application can be provided as methods, systems, or computer program products. Therefore, this application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this application can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0170] This application is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart... Figure 1 One or more processes and / or boxes Figure 1A device that provides the functions specified in one or more boxes.

[0171] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0172] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0173] This application uses specific embodiments to illustrate the principles and implementation methods of this application. The description of the above embodiments is only for the purpose of helping to understand the method and core ideas of this application. At the same time, for those skilled in the art, there will be changes in the specific implementation methods and application scope based on the ideas of this application. Therefore, the content of this specification should not be construed as a limitation of this application.

Claims

1. A method for generating funds transfer information, characterized in that, The method includes: Configuration parameters for generating fund transfer information, including matching conditions, priority, and transfer information generation parameters, wherein the matching conditions are associated with the account's configuration elements; Based on the account's configuration elements, the matching conditions, and the priority, a preset matching algorithm is used to determine the configuration method to be executed for each account. Based on the determined configuration method and the transfer information generation parameters, fund transfer information for each account is generated; Perform data quality checks on the generated fund transfer information and handle abnormal data; The fund transfer information of each account is summarized to generate a result summary table.

2. The method for generating funds transfer information as described in claim 1, characterized in that, The method for determining the configuration to be executed for each account using a preset matching algorithm based on the account's configuration elements, the matching conditions, and the priority includes: Build a rule base containing multiple configuration methods, each of which corresponds to one or more matching conditions and their respective priorities; Extract the configuration elements of the account, and use a decision tree algorithm to match the extracted configuration elements with the matching conditions in the rule base to determine the configuration method; If an account meets the matching conditions of multiple configuration methods, the matching configuration methods are sorted according to the preset priority, and the configuration method with the highest priority is selected as the configuration method to be executed for that account.

3. The method for generating funds transfer information as described in claim 1, characterized in that, The method for determining the configuration to be executed for each account using a preset matching algorithm based on the account's configuration elements, the matching conditions, and the priority includes: If an account meets the priority configuration criteria and there is an account funds transfer price, then priority configuration will be executed. If the account's priority belongs to the fallback configuration method, then execute the fallback configuration; For accounts other than priority configurations and fallback configurations, the configuration method to be executed for each account is determined based on the reconfiguration date.

4. The method for generating funds transfer information as described in claim 3, characterized in that, The method for determining the configuration to be performed on the account based on the reconfiguration date includes: Determine whether the current business date is a reconfiguration date based on the reconfiguration cycle, business date, and the last reconfiguration date; If the current business date is not the reconfiguration date, and there is an account funds transfer price from the previous day, the configuration method executed by the account remains unchanged. Otherwise, determine if the account will execute the reconfiguration algorithm.

5. The method for generating funds transfer information as described in claim 4, characterized in that, The step of generating fund transfer information for each account based on the determined configuration method and the transfer information generation parameters includes: When performing priority configuration, the account funds transfer price table is read, and the specified price is directly assigned to the eligible accounts based on the fund transfer price table; When executing the fallback configuration, the fallback price is directly assigned; When the reconfiguration algorithm is executed, the reconfiguration algorithm includes: Based on the configuration period and the account's interest accrual date and maturity date information, determine the account's position on the configuration benchmark curve; If the position is a standard term point, then the interest rate at that point is directly taken as the benchmark interest rate parameter for the account; If the position is a non-standard term point, the benchmark interest rate parameter of the account is calculated based on the preset curve interpolation configuration and the adjacent left and right points. The interest rate spread value is determined based on the allocation of the funds transfer price spread. If the interest rate spread is configured as a constant interest rate spread, then the constant is taken as the interest rate spread value. If the interest rate spread is configured as a locked interest rate spread and there is an interest rate spread from the previous day, then the interest rate spread from the previous day is taken as the interest rate spread value for the current day. Otherwise, the interest rate spread value for the current day is calculated according to a preset formula. The benchmark interest rate parameter is added to the interest rate spread to generate the fund transfer information for the account.

6. The method for generating funds transfer information as described in claim 5, characterized in that, The reconfiguration algorithm also includes: if the configuration period is configured as cash flow, then the cash flow calculation engine is called to split the cash flow into several transactions according to the repayment plan, calculate them separately, and then summarize them to obtain the benchmark interest rate parameter of the account.

7. The method for generating funds transfer information as described in claim 1, characterized in that, The data quality inspection includes checking the reasonable range of interest rates, the integrity of the data, and the consistency of the data.

8. A system for generating funds transfer information, characterized in that, The system includes: A parameter generation unit is used to generate configuration parameters for fund transfer information. The configuration parameters include matching conditions, priority, and transfer information generation parameters. The matching conditions are associated with the account's configuration elements. The configuration method matching unit is used to determine the configuration method to be executed for each account based on the account's configuration elements, the matching conditions, and the priority using a preset matching algorithm. The information generation unit is used to generate fund transfer information for each account according to the determined configuration method and the transfer information generation parameters; The anomaly handling unit is used to perform data quality checks on the generated fund transfer information and process abnormal data. The results generation unit is used to summarize the fund transfer information of each account to generate a results information summary table.

9. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that, When the processor executes the computer program, it implements the steps of the method according to any one of claims 1 to 7.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 7.

11. A computer program product, comprising a computer program / instructions, characterized in that, When the computer program / instructions are executed by the processor, they implement the steps of the method according to any one of claims 1 to 7.

Images