Financial information processing method, device and system
By dividing the contract payment period into multiple sub-time series and updating interest accrual in real time when the contract changes, the problem of the interest calculation benchmark not being able to accurately match the actual performance is solved, achieving real-time alignment between contract status and financial accounting, and improving the system's processing accuracy and compliance.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- PING AN INT FINANCIAL LEASING CO LTD
- Filing Date
- 2026-01-23
- Publication Date
- 2026-05-01
AI Technical Summary
In existing technologies, the benchmark time for interest calculation cannot accurately match the actual performance status, resulting in a time difference between the contract status and financial accounting. Furthermore, manual processing is prone to calculation errors, and the system struggles to support differentiated processing needs under multi-dimensional status combinations, posing compliance risks.
Each contract payment period is treated as a time series, which is then divided into multiple sub-time series. Interest is accrued on time during the sub-payment period of each sub-time series. When a contract changes, the sub-series information of the sub-time series is updated immediately, and a new sub-time series is generated for real-time interest accrual, ensuring that the contract status matches the financial accounting time.
It achieves a precise match between the interest calculation benchmark time and the actual performance status, reduces the time difference, lowers the risk of manual intervention, improves the system's intelligent processing capabilities, and reduces compliance risks.
Smart Images
Figure CN121961759A_ABST
Abstract
Description
Technical Field
[0001] This invention relates to the field of data processing technology and can be applied to the financial and medical fields, and in particular to a financial information processing method, apparatus and system. Background Technology
[0002] Interest accrual is a continuous process that accrues interest over the contractual payment period. However, due to factors such as fluctuating interest rates, changes in account accrual status, and varying interest payment conditions, interest cannot be calculated rigidly according to the initial contract. To mitigate the risks posed by these volatile factors and improve the accuracy of interest accrual, interest is typically accrued after the contractual payment period has ended. However, this delayed accrual method creates a time lag between the contract status and financial accounting entries, resulting in the interest calculation benchmark not accurately matching the actual performance of the contract. Summary of the Invention
[0003] This invention provides a financial information processing method, apparatus, and system to at least solve the problem in related technologies where the benchmark time for interest calculation cannot accurately match the actual performance status. The technical solution of this invention is as follows: According to a first aspect of the present invention, a financial information processing method is provided, wherein a first standardized interest accrual sequence for each contract payment period is generated based on the initial contract terms information of each contract payment period; the initial contract terms information includes principal, interest rate, interest rate fluctuation rules, and interest calculation period; the first standardized interest accrual sequence includes multiple first sub-time series, and the first sub-sequence information of each first sub-time series includes a benchmark interest rate, a fluctuation coefficient, an interest calculation base, and an expected interest accrual amount; interest is accrued sequentially for each first sub-time series according to the order of the first sub-time series, based on the first sub-sequence information of the corresponding position and the sequence change information of the first sub-time series of the position, to obtain the interest accrual results of each sub-interest accrual; the sequence change information indicates whether the first sub-sequence information of the first sub-time series has been modified; and the interest accrual result of the contract payment period is obtained based on the interest accrual results of each sub-interest accrual.
[0004] As one implementation method, interest is accrued on the first sub-time series of the position according to the first sub-sequence information of the corresponding position and the sequence change information of the first sub-time series of the position, to obtain the interest accrual results of each sub-interest, including: determining the first sub-sequence information of the position and modifying it to the second sub-sequence information of the position according to the sequence change information; modifying the unaccrued first sub-time series according to the second sub-sequence information of the position to obtain the second standardized interest accrual sequence; and accruing interest on each second sub-time series in the second standardized interest accrual sequence to obtain the interest accrual results of each sub-interest.
[0005] Another implementation method involves modifying the first sub-time series that has not been accrued based on the second sub-sequence information of the positional order to obtain the second standardized interest accrual sequence; this includes: determining that the second sub-sequence information includes interest suspension contract information, modifying the sequence status of the first sub-sequence information of the first sub-time series that has not been accrued to the interest suspension status, and obtaining the second standardized interest accrual sequence; the interest suspension status indicates that no interest accrual is performed on the corresponding sub-time series.
[0006] Another implementation involves modifying the first sub-time series that has not been accrued, based on the second sub-sequence information of the positional order, to obtain a second standardized interest accrual sequence. This includes: determining that the second sub-sequence information includes compound interest contract information; determining a first target sub-time series and a second target sub-time series of the second sub-time series determined from the first sub-time series that has not been accrued, based on the delayed accrual time indicated by the compound interest contract information; the first target sub-time series represents the sub-time series that cannot perform interest accrual; the second target sub-time series represents the sub-time series that can perform interest accrual; modifying the sequence status of the sub-sequence information of the first target sub-time series to a suspended interest status; and adding supplementary interest information to the sub-sequence information of the second target sub-time series to obtain the second standardized interest accrual sequence; the supplementary interest information includes the total amount of interest accrued in the first target sub-time series and the overdue supplementary amount of the first target sub-time series for which no interest accrual has been made.
[0007] Another implementation involves modifying the unaccrued first sub-time series based on the second sub-series information of the positional order to obtain the second standardized interest rate increase sequence. This includes: determining that the interest rates and / or interest rate fluctuation rules in the second sub-series information of the positional order and the first sub-series information of the positional order are different; and modifying the interest rates and / or interest rate fluctuation rules in the first sub-series information of the unaccrued first sub-time series to match the interest rates and / or interest rate fluctuation rules in the second sub-series information of the positional order to obtain the second standardized interest rate increase sequence.
[0008] Another implementation method is to set the sequence state in the first sub-sequence information to be in the interest-accruing state; and to accrue interest on each second sub-time series in the second standardized interest-accruing sequence in sequence, including: determining that the sequence state of the second sub-sequence information of any second sub-time series is in the interest-accruing state, and accruing interest on any second sub-time series; and determining that the sequence state of the second sub-sequence information of any second sub-time series is in the interest-free state, and stopping the accrual of interest on any second sub-time series.
[0009] Another implementation involves sequentially calculating interest on the first sub-time series of the position based on the information of the first sub-sequence of the corresponding position and the sequence change information of the first sub-time series of the position, to obtain the interest calculation results for each sub-interest. This includes: determining that the information of the first sub-sequence of the position has not been modified based on the sequence change information; and calculating interest on the first sub-time series of the position based on the information of the first sub-sequence of the position, to obtain the interest calculation results for each sub-interest.
[0010] Another implementation method is to obtain the interest accrual result for the contract period based on the interest accrual results of each sub-interest accrual, including: determining the first number of rounding-up and the second number of rounding-down in the interest accrual results of each first sub-time series; performing a write-off calculation on the first and second number of rounding-down to obtain the rounding-down result; and obtaining the interest accrual result by combining the cumulative sum of the interest accrual results of each first sub-time series with the rounding-down result.
[0011] According to a second aspect of the present invention, a financial information processing apparatus is provided, comprising a sequence generation unit for generating a first standardized interest increase sequence for each contract payment period based on initial contract terms information for each contract payment period; the initial contract terms information includes principal, interest rate, interest rate fluctuation rules, and interest calculation period; the first standardized interest increase sequence includes multiple first sub-time sequences, and the first sub-sequence information of each first sub-time sequence includes a benchmark interest rate, a fluctuation coefficient, an interest calculation base, and an expected interest increase amount; an interest accrual unit for accruing interest on the first sub-time sequences in the order of each first sub-time sequence, according to the first sub-sequence information of the corresponding position and the sequence change information of the first sub-time sequence of the position, to obtain each sub-interest accrual result; the sequence change information indicates whether the first sub-sequence information of the first sub-time sequence has been modified; and an interest accrual confirmation unit for obtaining the interest accrual result of the contract payment period based on the each sub-interest accrual result.
[0012] According to a third aspect of the present invention, a financial information processing system is provided, which is configured to perform a financial information processing method as described in the first aspect and any possible implementation thereof.
[0013] According to a fourth aspect of the present invention, a computer-readable storage medium is provided, on which instructions are stored, such that when the instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device is able to perform a financial information processing method as described in the first aspect and any possible implementation thereof.
[0014] According to a fifth aspect of the present disclosure, a computer program product is provided, the computer program product including computer instructions that, when executed on an electronic device, cause the electronic device to perform the financial information processing method of the first aspect and any possible implementation thereof.
[0015] The technical solution provided by the embodiments of the present invention brings at least the following beneficial effects: Each contract payment period is considered as a time series and re-divided into multiple sub-time series. Interest is accrued on time for each sub-time series during its sub-payment period. Furthermore, in the event of contract changes, the sub-series information of the corresponding sub-time series for which interest has not been accrued is immediately updated, a new sub-time series is regenerated, and interest is accrued immediately for the newly generated sub-time series based on the updated sub-series information. This ensures that even when contract information changes, accurate interest accrual can still be performed for each sub-time series affected by the contract changes. Through the above interest accrual method, the contract status and financial accounting time are ensured to match in real time without any time lag, thereby ensuring that the interest calculation benchmark time accurately matches the actual performance status.
[0016] It should be understood that the above general description and the following detailed description are exemplary and explanatory only, and are not intended to limit this disclosure. Attached Figure Description
[0017] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this disclosure and, together with the description, serve to explain the principles of this disclosure, and are not intended to unduly limit this disclosure.
[0018] Figure 1 This is a schematic diagram illustrating a financial information processing system according to an exemplary embodiment; Figure 2 This is a flowchart illustrating a financial information processing method according to an exemplary embodiment; Figure 3 This is a block diagram illustrating a financial information processing apparatus according to an exemplary embodiment; Figure 4 This is a schematic diagram of an electronic device according to an exemplary embodiment. Detailed Implementation
[0019] To enable those skilled in the art to better understand the technical solutions of this disclosure, the technical solutions in the embodiments of this disclosure will be clearly and completely described below with reference to the accompanying drawings.
[0020] It should be noted that the terms "first," "second," etc., used in the specification, claims, and accompanying drawings of this disclosure are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this disclosure described herein can be implemented in orders other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this disclosure. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this disclosure as detailed in the appended claims.
[0021] Before providing a detailed description of the financial information processing method provided in the embodiments of this application, let's briefly introduce the application scenarios and implementation environment involved in the embodiments of this application.
[0022] First, a brief introduction to the application scenarios involved in this application will be given.
[0023] Interest accrual is a continuous process that accrues interest over the contractual payment period. However, due to factors such as fluctuating interest rates, changes in account accrual status, and varying interest payment conditions, interest cannot be calculated rigidly according to the initial contract. To mitigate the risks posed by these volatile factors and improve the accuracy of interest accrual, interest is typically accrued after the contractual payment period has ended. However, this delayed accrual method creates a time lag between the contract status and financial accounting entries, resulting in the interest calculation benchmark not accurately matching the actual performance of the contract.
[0024] In some embodiments, lease agreements require monthly interest accrual based on contract terms and payment terms. When the contract status changes, the corresponding interest accrual financial data also needs to be updated accordingly. For example, in cases of overdue payments, litigation, or loss assessment, interest accrual must be suspended, meaning no further interest accrual will be recorded. For non-overdue, litigation, or loss assessment contracts, interest must be reinstated, and normal interest accrual will continue.
[0025] Research has revealed that the current processing method involves manual data updates and manual accounting. Using a system-based processing method typically processes the corresponding accounts on a T+1 day basis, resulting in low timeliness.
[0026] The above methods have the following drawbacks. First, there is a status lag effect: in the traditional model, there is a time difference between the contract status (such as overdue / termination / extension) and financial accounting, making it impossible to accurately match the actual performance status with the interest calculation benchmark. Second, there is the risk of manual intervention: in the face of sudden changes in contract status (such as judicial freezing, asset impairment), manual intervention to correct the interest ledger is prone to calculation errors, with an average correction time of 3-5 working days per case. Third, there is a lack of support for complex scenarios: the current system is unable to support differentiated processing needs under multi-dimensional status combinations, such as the lack of intelligent judgment mechanisms for special cases such as "overdue but with sufficient collateral value". Fourth, there is an accumulation of compliance risks: according to statistics from the China Banking and Insurance Regulatory Commission, in 2022, the number of cases in which financial institutions received regulatory penalties for violations of interest provision regulations increased by 68% year-on-year, of which more than 40% were due to the failure of contract status linkage.
[0027] To address the aforementioned issues, this application proposes a financial information processing method that treats each contract payment period as a time series and re-divides it into multiple sub-time series. Interest is accrued on time for each sub-time series during its respective payment period. Furthermore, in the event of contract changes, the sub-series information of the corresponding sub-time series for which interest has not yet been accrued is immediately updated, a new sub-time series is generated, and interest is accrued instantly for the newly generated sub-time series based on the updated sub-series information. This ensures accurate interest accrual for each sub-time series affected by contract changes, even when contract information changes. This interest accrual method ensures real-time alignment between contract status and financial accounting time, eliminating any time lag and guaranteeing that the interest calculation benchmark accurately matches the actual performance status.
[0028] Secondly, the implementation architecture involved in this application will be briefly introduced below.
[0029] Figure 1 This is a schematic diagram of a financial information processing system 10 provided in this disclosure. For example... Figure 1 As shown, the financial information processing system includes a server 101 and a client 102. The financial information processing system 10 can be a distributed system.
[0030] In some embodiments, the user terminal 102 can be a terminal device.
[0031] Each user terminal 102 sends a financial information processing request to the server 101. The server 101 receives the contract payment period and the corresponding initial contract terms from the billing processing request. Based on the initial contract terms, each contract payment period is re-divided into multiple sub-time series. Interest is accrued sequentially for each sub-contract payment period according to the chronological order of the sub-time series, resulting in sub-accrual results. Each time a sub-accrual result is calculated, it is first determined whether the sub-contract information for each sub-time series has been modified. If a contract is modified within the time period of a sub-time series, the information related to interest accrual is updated in real time based on the modified sub-series information, enabling real-time and accurate interest accrual for modified sub-time series. The server 101 sends each sub-accrual result to the user terminal 102 in real time.
[0032] In some embodiments, the billing processing request includes one or more billing processing tasks, each corresponding to one or more contract periods. Server 101 contains a Redis database or is connected to a Redis database. Billing processing results for different user accounts are categorized and stored in this Redis database. The billing processing results include sub-interest accrual results and total interest accrual results. For example, billing processing results for financial users are stored in a first database, while billing processing results for medical users are stored in a second database. Each user terminal 102 can access the billing processing results in the Redis database of server 101.
[0033] In other embodiments, server 101 may be a single server, or it may be a server cluster consisting of multiple servers. In some embodiments, the server cluster may also be a distributed cluster. This application does not limit the specific implementation of server 101.
[0034] The terminal device can be a mobile phone, tablet computer, desktop computer, laptop computer, handheld computer, notebook computer, ultra-mobile personal computer (UMPC), netbook, as well as cellular phone, personal digital assistant (PDA), augmented reality (AR) / virtual reality (VR) device, etc., that can install and use content community applications (such as Kuaishou). This disclosure does not impose any special restrictions on the specific form of the terminal device. It can interact with users through one or more methods such as keyboard, touchpad, touch screen, remote control, voice interaction, or handwriting device.
[0035] The server 101 described above can be connected to at least one terminal device. Furthermore, this application does not limit the number or type of terminal devices.
[0036] The financial information processing method provided in this application embodiment can be applied to the aforementioned... Figure 1 The financial information processing system in the implementation architecture shown is illustrated below. For ease of understanding, the financial information processing method provided in this application will be described in detail below with reference to the accompanying drawings.
[0037] Figure 2 This is a flowchart illustrating a financial information processing method according to an exemplary embodiment, such as... Figure 2 As shown, the financial information processing method includes the following steps.
[0038] S21, based on the initial contract terms information for each contract period, generate the first standardized interest rate increase sequence for each contract period.
[0039] The initial contract terms include the principal, interest rate, interest rate fluctuation rules, and interest calculation period.
[0040] The first standardized interest rate hike sequence includes multiple first sub-time series. The first sub-series information of each first sub-time series includes the benchmark interest rate, floating coefficient, interest base, and expected interest rate hike amount.
[0041] In one embodiment, each first sub-time series corresponds to an interest-bearing period, and the sum of all interest-bearing periods constitutes a contractual payment period.
[0042] The interest calculation periods mentioned above can be the same or different.
[0043] S22, according to the order of each first sub-time series, interest is accrued for the first sub-time series of the corresponding position based on the information of the first sub-series of the corresponding position and the sequence change information of the first sub-time series of the position, so as to obtain the interest accrual results of each sub-interest.
[0044] The above sequence change information indicates whether the information of the first subsequence at each position in the first sub-time series has been modified.
[0045] If it is determined that the information of the first subsequence of any position has not been modified, interest is calculated on the corresponding first subsequence based on the information of the first subsequence that has not been modified.
[0046] Based on this, when the contract status changes, i.e. when the contract is modified, the information related to interest accrual can be modified in real time within the sub-time series to which the contract modification time belongs, thereby enabling real-time and accurate interest accrual.
[0047] S23. Based on the interest accrual results of each sub-interest, the interest accrual results for the contract payment period are obtained.
[0048] Through the above implementation method, each contract payment period is treated as a time series and then re-divided into multiple sub-time series. Interest is accrued on time for each sub-time series during its sub-payment period. Furthermore, in the event of contract changes, the sub-series information of the corresponding sub-time series for which interest has not yet been accrued is immediately updated, a new sub-time series is regenerated, and interest is accrued instantly for the newly generated sub-time series based on the updated sub-series information. This ensures accurate interest accrual for each sub-time series affected by contract changes, even when contract information changes. This interest accrual method ensures that the contract status and financial accounting time are synchronized in real time, with no time lag, thus guaranteeing that the interest calculation benchmark accurately matches the actual performance status.
[0049] As one implementation method, the specific determination process of each sub-interest accrual result in step S22 above is as follows.
[0050] Step 221: Based on the sequence change information, determine the first subsequence information of the position order and modify it to the second subsequence information of the position order.
[0051] Step 222: Based on the second subsequence information of the position, modify the first sub-time series that has not been accrued to obtain the second standardized interest accrual sequence.
[0052] The unrecorded first sub-time series includes the position and the unrecorded first sub-time series following that position.
[0053] Step 223: Perform interest accrual on each second sub-time series in the second standardized interest accrual sequence in sequence to obtain the interest accrual results for each sub-series.
[0054] In this implementation, for scenarios where the contract changes during the payment period, a standardized interest accrual sequence is regenerated to generate new sub-interest accrual results in real time based on the modified contract information.
[0055] As another implementation method, the specific determination process of each sub-interest accrual result in step S22 above is as follows: Step 22A, based on the sequence change information, determine that the information of the first sub-sequence of the position order has not been modified. Step 22B, based on the information of the first sub-sequence of the position order, accrue interest on the first sub-time series of the position order to obtain the sub-interest accrual results.
[0056] In this implementation, for scenarios where the contract remains unchanged during the payment period, the sub-interest accrual result is generated directly based on the sequence information of the previous first standardized interest accrual sequence.
[0057] In some implementations, subsequence information includes a sequence status that characterizes whether interest is accrued on the corresponding subsequence.
[0058] Different methods are used to determine the above-mentioned second standardized interest rate sequence based on different sequence states.
[0059] The first approach involves determining that the second subsequence information includes interest-free contract information, and then modifying the sequence status of the first subsequence information of the first sub-time series that has not been accrued to the interest-free status, thus obtaining the second standardized interest-free sequence.
[0060] The above-mentioned suspension of interest indicates that no interest is accrued for the corresponding sub-time series.
[0061] The second approach involves first determining that the second sub-sequence information includes compound interest contract information.
[0062] Furthermore, based on the delayed accrual time indicated by the compound interest contract information, the first target sub-time series and the second target sub-time series of the second sub-time series determined from the first sub-time series that has never been accrued.
[0063] The first target sub-time series represents the sub-time series in which interest accrual cannot be performed; the second target sub-time series represents the sub-time series in which interest accrual can be performed.
[0064] Finally, the sequence state of the subsequence information of the first target sub-time series is modified to a pause state; and supplementary interest information is added to the subsequence information of the second target sub-time series to obtain the second standardized interest rate increase sequence.
[0065] The aforementioned supplementary interest information includes the total amount of interest accrued for the first target sub-time series and the overdue supplementary amount for the first target sub-time series for which no interest accrued.
[0066] The third type involves determining that the interest rate and / or interest rate fluctuation rules differ between the second subsequence information and the first subsequence information of the position.
[0067] Secondly, the interest rate and / or interest rate fluctuation rules in the first subsequence information of the first sub-time series that have not been accrued are modified to the interest rate and / or interest rate fluctuation rules in the second subsequence information of the position sequence, thus obtaining the second standardized interest rate increase series.
[0068] As one implementation method, based on the implementation method where the sequence state in the first sub-sequence information is in the interest-accruing state, in S223, interest is accrued sequentially for each second sub-time series in the second standardized interest-accruing sequence, specifically including: determining that the sequence state of the second sub-sequence information of any second sub-time series is in the interest-accruing state, and accruing interest for any second sub-time series; determining that the sequence state of the second sub-sequence information of any second sub-time series is in the interest-free state, and stopping the accrual of interest for any second sub-time series.
[0069] As one implementation method, the specific determination process of each sub-interest accrual result in step S223 above is as follows: Based on the sequence change information, it is determined that the information of the first sub-sequence of the position order has not been modified; based on the information of the first sub-sequence of the position order, interest is accrued on the first sub-time series of the position order to obtain the sub-interest accrual results.
[0070] As one implementation method, the specific process for determining the total interest accrual result in step S23 above is as follows: First, determine the first number of rounding-up and the second number of rounding-down in the sub-interest accrual results of each first sub-time series. Second, perform a reconciliation calculation on the first and second rounding-up to obtain the rounding-down result. Finally, based on the cumulative sum of the sub-interest accrual results of each first sub-time series and the rounding-down result, obtain the interest accrual result.
[0071] As a standardized interest rate increase sequence method, each contract payment period is divided into multiple interest-bearing cycles based on the historical repayment information of the borrower and the frequency of interest rate changes for each contract payment period; and a first standardized interest rate increase sequence is generated for each contract payment period based on the initial contract terms information and the multiple interest-bearing cycles.
[0072] The above historical repayment information includes the historical repayment amount and the historical repayment period.
[0073] As one specific implementation method, the above financial information processing procedure is described as follows.
[0074] I. Interest Rate Pre-generation Mechanism.
[0075] Based on the above implementation method, an intelligent interest sequence preprocessing architecture based on the entire lifecycle of a lease contract can be proposed. Once the lease contract is registered and becomes effective (i.e., after the "lease commencement" action is completed), the system immediately invokes the interest rate calculation engine to automatically standardize the interest rate sequence according to the interest rate fluctuation rules, interest calculation cycle parameters, and special agreed conditions in the contract terms. This sequence includes, but is not limited to, core elements such as the benchmark interest rate value for each period, the fluctuation coefficient, the interest calculation base, and the expected interest rate increase amount, and establishes a strong correlation index with the contract.
[0076] Compared to the traditional per-transaction calculation model, this application achieves three major innovations by pre-setting interest rate trajectories in batches: improving the certainty of accounting: solidifying the interest rate evolution path in advance and avoiding recalculation disputes caused by later policy changes; reducing computing resource consumption: transforming O(n²) level real-time calculation into O(1) level state retrieval; supporting multi-scenario backtracking analysis: forming a complete digital twin of interest rate evolution to meet the regulatory need for penetrating verification.
[0077] II. Big Data Split Table Storage Architecture.
[0078] To address the challenges of managing massive interest rate increase data (currently, the production environment already supports approximately 3 million active contracts, generating over 100 million interest rate increase event records), a database partitioning strategy was introduced: using the contract start date as the partitioning key, and combining it with natural month intervals to divide sub-table clusters.
[0079] This architecture improves system throughput by 83% compared to the original single-table design, especially when executing batch stop-start instructions, reducing I / O wait time from minutes to within seconds.
[0080] III. Intelligent Workflow Collaboration Engine.
[0081] Develop a task orchestration platform with self-evolution capabilities, integrating the following core technology components.
[0082] Multi-source data acquisition pipeline: The timed scheduler retrieves overdue contract lists from the post-rental management system according to the logical value script; the loss assessment process is automatically connected to the financial system to realize loss assessment of contracts; data is acquired in real time; and the data import function is supported, allowing users to import the list of contracts that need to be suspended.
[0083] Intelligent decision-making hub: Key indicators are configured and managed, such as the number of overdue days, to enable flexible rule judgment; Contracts are categorized and processed according to their status, with different lists and processing logics for contracts that require suspension of interest and contracts that require resumption of interest.
[0084] Parallel processing acceleration unit: It adopts the Fork-Join parallel paradigm to decompose batch processing jobs and uses Executor to implement thread pool scheduling; it has an embedded compensation mechanism (Circuit Breaker Pattern) to perform idempotent repair on failed data; actual tests have verified that this pipeline is more than 9 times faster than the serial script solution, and the error rate is less than one in 100,000.
[0085] IV. Simple Locking Mechanism.
[0086] Due to the use of multi-threaded parallel processing and the involvement of large data volume operations, a custom simple locking mechanism is implemented based on the Redis in-memory database: the requester sends a SETNX command to the Redis Cluster to attempt to acquire the lock resource; upon successful acquisition, a TTL self-destruct countdown is started (default 15s); during processing, PING is periodically sent to extend the lock's lifespan; and when releasing the lock, a CAS check is performed to ensure atomic release.
[0087] To achieve the above functions, the financial information processing apparatus includes hardware structures and / or software modules corresponding to the execution of each function. Those skilled in the art will readily recognize that, based on the algorithmic steps of the examples described in conjunction with the embodiments disclosed herein, this application can be implemented in hardware or a combination of hardware and computer software. Whether a function is executed in hardware or by computer software driving hardware depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of this application.
[0088] This disclosure also provides an embodiment such as Figure 3 The financial information processing device shown includes: a sequence generation unit 301, an interest accrual unit 302, and an interest accrual confirmation unit 303.
[0089] The sequence generation unit 301 is used to generate a first standardized interest rate increase sequence for each contract payment period based on the initial contract terms information for each contract payment period. The initial contract terms information includes the principal, interest rate, interest rate fluctuation rules, and interest calculation period. The first standardized interest rate increase sequence includes multiple first sub-time series, and the first sub-sequence information of each first sub-time series includes the benchmark interest rate, floating coefficient, interest calculation base, and expected interest rate increase amount.
[0090] The interest accrual unit 302 is used to accrue interest on the first sub-time series of the position according to the order of each first sub-time series, based on the first sub-sequence information of the corresponding position and the sequence change information of the first sub-time series of the position, to obtain the interest accrual results of each sub-interest; the sequence change information indicates whether the first sub-sequence information of the first sub-time series has been modified.
[0091] The interest accrual confirmation unit 303 is used to obtain the interest accrual result for the contract payment period based on the interest accrual results of each sub-interest accrual.
[0092] As one implementation method, the interest accrual unit 302 is specifically used to: determine the first sub-sequence information of the position order and modify it to the second sub-sequence information of the position order according to the sequence change information; modify the first sub-time series that has not been accrued according to the second sub-sequence information of the position order to obtain the second standardized interest accrual sequence; and accrue interest on each second sub-time series in the second standardized interest accrual sequence in sequence to obtain the interest accrual result of each sub-interest.
[0093] In another implementation, the interest accrual unit 302 is specifically used to: determine that the second sub-sequence information includes interest suspension contract information, modify the sequence status of the first sub-sequence information of the first sub-time series that has not been accrued to the interest suspension status, and obtain the second standardized interest accrual sequence; the interest suspension status indicates that no interest accrual is performed on the corresponding sub-time series.
[0094] In another implementation, the interest accrual unit 302 is specifically used to: determine that the second sub-sequence information includes compound interest contract information; determine a first target sub-sequence and a second target sub-sequence of the second sub-sequence determined from the first sub-sequence that has not been accrued, based on the delayed accrual time indicated by the compound interest contract information; the first target sub-sequence represents a sub-sequence in which interest accrual cannot be performed; the second target sub-sequence represents a sub-sequence in which interest accrual can be performed; modify the sequence status of the sub-sequence information of the first target sub-sequence to a suspended interest status; and add supplementary interest information to the sub-sequence information of the second target sub-sequence to obtain a second standardized interest accrual sequence; the supplementary interest information includes the total amount of interest accrued in the first target sub-sequence and the overdue supplementary amount for which no interest accrual has been performed in the first target sub-sequence.
[0095] In another implementation, the interest accrual unit 302 is specifically used to: determine that the interest rate and / or interest rate fluctuation rule in the second subsequence information of the position sequence are different from those in the first subsequence information of the position sequence; modify the interest rate and / or interest rate fluctuation rule in the first subsequence information of the unaccrued first sub-time series to the interest rate and / or interest rate fluctuation rule in the second subsequence information of the position sequence, thereby obtaining the second standardized interest accrual sequence.
[0096] In another implementation, the sequence state in the first sub-sequence information is an interest-bearing state; the interest accrual unit 302 is specifically used to: determine that the sequence state of the second sub-sequence information of any second sub-time series is an interest-bearing state, and accrue interest on any second sub-time series; determine that the sequence state of the second sub-sequence information of any second sub-time series is a non-interest-bearing state, and stop accruing interest on any second sub-time series.
[0097] In another implementation, the interest accrual unit 302 is specifically used to: determine, based on the sequence change information, that the information of the first subsequence of the position order has not been modified; and to accrue interest on the first sub-time series of the position order based on the information of the first sub-sequence of the position order, thereby obtaining the interest accrual results for each sub-interest.
[0098] In another implementation, the interest accrual confirmation unit 303 is specifically used to: determine the first number of rounding-up and the second number of rounding-down in the sub-interest accrual results of each first sub-time series; perform a reconciliation calculation on the first number of rounding-up and the second number of rounding-down to obtain the rounding-down result; and obtain the interest accrual result by combining the cumulative sum of the sub-interest accrual results of each first sub-time series with the rounding-down result.
[0099] Regarding the apparatus in the above embodiments, the specific manner in which each unit module performs its operations has been described in detail in the embodiments related to the method, and will not be elaborated upon here.
[0100] Figure 4 This is a schematic diagram of an electronic device provided in this application. (For example...) Figure 4 The electronic device 50 may include at least one processor 501 and a memory 503 for storing processor-executable instructions. The processor 501 is configured to execute the instructions in the memory 503 to implement the financial information processing method in the following embodiments.
[0101] In addition, electronic device 50 may also include communication bus 502, at least one communication interface 504, input device 506 and output device 505.
[0102] The processor 501 may be a processor (central processing unit, CPU), a microprocessor unit, an ASIC, or one or more integrated circuits for controlling the execution of the program of the present application.
[0103] The communication bus 502 may include a path for transmitting information between the aforementioned components.
[0104] Communication interface 504 uses any transceiver-like device for communicating with other devices or communication networks, such as Ethernet, radio access network (RAN), wireless local area networks (WLAN), etc.
[0105] Input device 506 is used to receive input signals and output device 505 is used to output signals.
[0106] Memory 503 may be a read-only memory (ROM) or other type of static storage device capable of storing static information and instructions, random access memory (RAM) or other type of dynamic storage device capable of storing information and instructions, or electrically erasable programmable read-only memory (EEPROM), compact disc read-only memory (CD-ROM) or other optical disc storage, optical disc storage (including compressed discs, laser discs, optical discs, digital universal discs, Blu-ray discs, etc.), magnetic disk storage media or other magnetic storage devices, or any other medium capable of carrying or storing desired program code in the form of instructions or data structures and accessible by a computer, but not limited thereto. Memory may exist independently and be connected to the processing unit via a bus. Memory may also be integrated with the processing unit.
[0107] The memory 503 stores instructions for executing the scheme of this application, and the processor 501 controls the execution. The processor 501 executes the instructions stored in the memory 503 to implement the functions of the method of this application.
[0108] In a specific implementation, as one example, the processor 501 may include one or more CPUs, for example... Figure 4 CPU0 and CPU1 in the CPU.
[0109] In a specific implementation, as one example, the electronic device 50 may include multiple processors, such as... Figure 4 Processors 501 and 507 are mentioned. Each of these processors can be a single-core (single-CPU) processor or a multi-core (multi-CPU) processor. A processor here can refer to one or more devices, circuits, and / or processing cores used to process data (such as computer program instructions).
[0110] The electronic device is as follows Figure 4 The diagram includes a processor 501 and a memory 503 for storing executable instructions of the processor 501; wherein the processor 501 is configured to execute the executable instructions to implement the financial information processing method as described in any of the possible embodiments above. Furthermore, it achieves the same technical effects, and to avoid repetition, will not be described again here.
[0111] This application also provides a computer-readable storage medium, which, when executed by a processor of a financial information processing apparatus or electronic device, enables the financial information processing apparatus or electronic device to perform a financial information processing method as described in any of the possible embodiments above. The same technical effects can be achieved, and to avoid repetition, further details are omitted here.
[0112] This application also provides a computer program product, including a computer program or instructions, which are executed by a processor as a financial information processing method according to any of the possible implementations described above. Furthermore, it achieves the same technical effects, and to avoid repetition, it will not be described again here.
[0113] Other embodiments of this application will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of this application that follow the general principles of this application and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered exemplary only, and the true scope and spirit of this application are indicated by the following claims.
[0114] It should be understood that this application is not limited to the precise structure described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of this application is limited only by the appended claims.
Claims
1. A financial information processing method, characterized in that, The method includes: Based on the initial contract terms information for each contract payment period, a first standardized interest rate increase sequence is generated for each contract payment period; the initial contract terms information includes the principal, interest rate, interest rate fluctuation rules, and interest calculation period; the first standardized interest rate increase sequence includes multiple first sub-time series, and the first sub-sequence information of each first sub-time series includes the benchmark interest rate, floating coefficient, interest calculation base, and expected interest rate increase amount; According to the chronological order of each first sub-time series, interest is accrued on the first sub-time series of the corresponding position based on the first sub-sequence information of the corresponding position and the sequence change information of the first sub-time series of the position, so as to obtain the interest accrual results of each sub-interest; the sequence change information indicates whether the first sub-sequence information of the first sub-time series has been modified. Based on the interest accrual results for each sub-interest item, the interest accrual results for the contract payment period are obtained.
2. The financial information processing method according to claim 1, characterized in that, The step involves sequentially calculating interest on the first sub-time series of the position based on the first sub-sequence information of the corresponding position and the sequence change information of the first sub-time series of the position, to obtain the interest calculation results for each sub-interest, including: Based on the sequence change information, the first subsequence information of the position order is determined to be modified to the second subsequence information of the position order; Based on the second subsequence information of the position order, the first sub-time series that was not accrued is modified to obtain the second standardized interest accrual sequence; Interest is accrued sequentially for each of the second sub-time series in the second standardized interest accrual sequence to obtain the interest accrual results for each sub-time series.
3. The financial information processing method according to claim 2, characterized in that, The step of modifying the uncalculated first sub-time series based on the second sub-sequence information of the positional order to obtain the second standardized interest-raising sequence includes: The second subsequence information is determined to include interest accrual contract information. The sequence status of the first subsequence information of the unaccrued first sub-time series is modified to the interest accrual status to obtain the second standardized interest accrual sequence. The interest accrual status indicates that no interest is accrued for the corresponding sub-time series.
4. The financial information processing method according to claim 2, characterized in that, The step of modifying the uncalculated first sub-time series based on the second sub-sequence information of the positional order to obtain the second standardized interest-raising sequence includes: The second sub-sequence information is determined to include compound interest contract information; Based on the delayed accrual time indicated by the compound interest contract information, a first target sub-time series and a second target sub-time series of the second sub-time series are determined from the first sub-time series where interest accrual has not been performed; the first target sub-time series represents the sub-time series where interest accrual cannot be performed; the second target sub-time series represents the sub-time series where interest accrual can be performed. The sequence status of the subsequence information of the first target sub-time series is modified to a paused state; and supplementary interest information is added to the subsequence information of the second target sub-time series to obtain the second standardized interest increase sequence; the supplementary interest information includes the total amount of interest accrued in the first target sub-time series and the overdue supplementary amount of the first target sub-time series for which no interest accrued.
5. The financial information processing method according to claim 2, characterized in that, The step of modifying the uncalculated first sub-time series based on the second sub-sequence information of the positional order to obtain the second standardized interest-raising sequence includes: The interest rate and / or interest rate fluctuation rules in the second subsequence information of the position order are different from those in the first subsequence information of the position order; The interest rate and / or interest rate fluctuation rule in the first subsequence information of the first sub-time series that has not been accrued are modified to the interest rate and / or interest rate fluctuation rule in the second subsequence information of the position, to obtain the second standardized interest rate increase series.
6. The financial information processing method according to claim 4, characterized in that, The sequence status in the first sub-sequence information is interest-bearing status; The step of sequentially accruing interest on each of the second sub-time series in the second standardized interest accrual sequence includes: Determine the sequence state of the second subsequence information of any second sub-time series as the interest-bearing state, and accrue interest on the any second sub-time series; If the sequence state of the second subsequence information of any second sub-time series is determined to be in a paused state, interest accrual for any second sub-time series is stopped.
7. The financial information processing method according to claims 1 to 6, characterized in that, The step involves sequentially calculating interest on the first sub-time series of the position based on the first sub-sequence information of the corresponding position and the sequence change information of the first sub-time series of the position, to obtain the interest calculation results for each sub-interest, including: Based on the sequence change information, it is determined that the information of the first subsequence of the position order has not been modified; Based on the first sub-sequence information of the position order, interest is accrued on the first sub-time series of the position order to obtain the interest accrual results for each sub-interest.
8. The financial information processing method according to claims 1 to 6, characterized in that, Based on the interest accrual results for each of the sub-interest accruals, the interest accrual results for the contract payment period are obtained, including: In each of the first sub-time series' sub-interest accrual results, determine the first number of times the last digit is rounded up and the second number of times the last digit is rounded down; The first and second processing times are reconciled to obtain the tail number processing result; The interest accrual result is obtained by combining the cumulative sum of the sub-interest accrual results of each of the first sub-time series with the tail number processing result.
9. A financial information processing device, characterized in that, The device includes: The sequence generation unit is used to generate a first standardized interest rate increase sequence for each contract payment period based on the initial contract terms information for each contract payment period; the initial contract terms information includes the principal, interest rate, interest rate fluctuation rules, and interest calculation period; the first standardized interest rate increase sequence includes multiple first sub-time series, and the first sub-sequence information of each first sub-time series includes the benchmark interest rate, floating coefficient, interest calculation base, and expected interest rate increase amount; An interest accrual unit is used to accrue interest on the first sub-time series of a given position according to the order of each first sub-time series, based on the first sub-sequence information of the corresponding position and the sequence change information of the first sub-time series of the given position, to obtain the interest accrual results for each sub-time series; the sequence change information indicates whether the first sub-sequence information of the first sub-time series has been modified. The interest accrual confirmation unit is used to obtain the interest accrual result for the contract payment period based on the accrual results of each sub-interest accrual.
10. A financial information processing system, characterized in that, The financial information processing system is configured to perform the financial information processing method as described in any one of claims 1-8.